Resource transfer method and device, equipment, storage medium and program product

Abstract

The invention discloses a resource transfer method and device, equipment, a storage medium and a program product. The method is applied to a resource transfer system, and comprises the following steps: in a process of performing resource transfer by using a POS machine, receiving an entity card number acquisition request of a target resource transfer party sent by an acquiring system; determining a target entity card number corresponding to a target virtual card number in the entity card number acquisition request based on a mapping relationship between the virtual card number and the entity card number, the mapping relationship including a first mapping relationship between the virtual card number generated by the card issuing bank system and the entity card number; the target entity card number is returned to the acquiring system, so that the acquiring system initiates a real name authentication request and a resource transfer request to the resource transfer system based on the target entity card number; and under the condition that the real-name authentication results of the resource transfer-out party and the resource transfer-in party both pass the authentication, resource transfer is carried out. According to the embodiment of the invention, the method can improve the convenience when a user carries out the resource collection through the financial management POS.

Description

TECHNICAL FIELD

[0001] The application belongs to the technical field of resource transfer, and particularly relates to a resource transfer method, device, equipment, storage medium and program product. BACKGROUND

[0002] At present, in the process of purchasing a financial product offline, due to the difference between products of different banks, the user often needs to collect funds between different banks. The existing fund collection methods mainly include four methods: counter transfer of other banks, personal online banking transfer, mobile banking transfer, and financial POS (Point of Sale) transfer. Among them, the specific process of using the financial POS to collect funds is: first, the user performs card swiping or card insertion operation on the POS machine, and then the acquirer institution initiates the "real name verification" and "fund transfer" of the physical card to the clearing and switching institution to complete the fund collection.

[0003] However, in the real name verification stage, the clearing and switching institution currently only supports real name verification of the physical card. Therefore, when using the financial POS to collect funds, the user often needs to carry multiple physical cards (including multiple transfer-out physical cards and one transfer-in physical card), which is extremely inconvenient.

[0004] Therefore, there is an urgent need for a resource transfer method to improve the convenience of the user using the financial POS to collect resources. SUMMARY

[0005] The embodiments of the application provide a resource transfer method, device, equipment, computer readable storage medium and computer program product, which can improve the convenience of the user using the financial POS to collect resources.

[0006] In a first aspect, the embodiments of the application provide a resource transfer method applied to a resource switching system, and the method comprises the following steps.

[0007] Receiving an entity card number acquisition request of a target resource transfer party sent by an acquirer system, wherein the entity card number acquisition request is generated by the acquirer system in response to a real name authentication request of the target resource transfer party, and the real name authentication request is generated by a sales terminal POS in response to a card swiping payment operation of a user on the target resource transfer party and sent to the acquirer system, the entity card number acquisition request includes a target virtual card number, and the target resource transfer party includes any one of a resource transfer-out party and a resource transfer-in party;

[0008] In response to the physical card number acquisition request, a target physical card number corresponding to the target virtual card number is determined based on the mapping relationship between the virtual card number and the physical card number. The mapping relationship is determined according to the first mapping relationship between the virtual card number and the physical card number sent by the issuing bank system to the resource transfer system and the second mapping relationship between the virtual card number and the physical card number generated by the resource transfer system.

[0009] The acquiring system returns the target entity card number to the acquiring system, so that the acquiring system can initiate the real-name authentication request and resource transfer request to the resource transfer system based on the target entity card number.

[0010] In response to the real-name authentication request and the resource transfer request, if the real-name authentication results of both the resource transferor and the resource transferee are successful, the resource is transferred from the resource transferor to the resource transferee.

[0011] Secondly, embodiments of this application provide a resource transfer method applied to an acquiring system, the method comprising:

[0012] The system receives a real-name authentication request sent by a point-of-sale (POS) terminal. The real-name authentication request is generated by the POS terminal in response to a user's card payment operation to a target resource transferor and sent to the acquiring system. The target resource transferor includes either the resource transferor or the resource transferee. The real-name authentication request includes a target field and a card number.

[0013] Parse the field values ​​of the target field to determine the category of the target resource transferor;

[0014] If the target resource transferor is a device card in an e-wallet, the card number is identified as the target virtual card number;

[0015] Based on the target virtual card number, generate a request to obtain the physical card number of the target resource transferor;

[0016] A request to obtain the physical card number is sent to the resource transfer system so that the resource transfer system can determine the target physical card number corresponding to the target virtual card number based on the mapping relationship between the virtual card number and the physical card number. The mapping relationship is determined according to the first mapping relationship between the virtual card number and the physical card number sent by the issuing bank system to the resource transfer system and the second mapping relationship between the virtual card number and the physical card number generated by the resource transfer system.

[0017] Receive the target entity card number returned by the resource transfer system;

[0018] Based on the target entity card number, a real-name authentication request and a resource transfer request are initiated to the resource transfer system, so that the resource transfer system responds to the real-name authentication request and the resource transfer request, and if the real-name authentication results of both the resource transferor and the resource transferee are successful, the resource is transferred from the resource transferor to the resource transferee.

[0019] Thirdly, embodiments of this application provide a resource transfer device applied to a resource transfer system, the device comprising:

[0020] The first receiving module is used to receive a request from the acquiring system to obtain the physical card number of the target resource transferor. The physical card number acquisition request is generated by the acquiring system in response to the real-name authentication request of the target resource transferor, and the target resource transferor is determined to be a device card in an e-wallet. The real-name authentication request is generated by the POS terminal in response to the user's card payment operation to the target resource transferor and sent to the acquiring system. The physical card number acquisition request includes a target virtual card number. The target resource transferor includes either the resource transferor or the resource transferee.

[0021] The first determining module is used to respond to the physical card number acquisition request and determine the target physical card number corresponding to the target virtual card number based on the mapping relationship between the virtual card number and the physical card number. The mapping relationship is determined according to the first mapping relationship between the virtual card number and the physical card number sent by the issuing bank system to the resource transfer system and the second mapping relationship between the virtual card number and the physical card number generated by the resource transfer system.

[0022] The first sending module is used to return the target entity card number to the acquiring system, so that the acquiring system can initiate the real-name authentication request and resource transfer request to the resource transfer system based on the target entity card number.

[0023] The resource transfer module is used to respond to the real-name authentication request and the resource transfer request, and transfer resources from the resource transferor to the resource transferee if the real-name authentication results of both the resource transferor and the resource transferee are successful.

[0024] Fourthly, embodiments of this application provide a resource transfer device applied to an acquiring system, the device comprising:

[0025] The second receiving module is used to receive a real-name authentication request sent by a point-of-sale (POS) terminal. The real-name authentication request is generated by the POS terminal in response to a user's card payment operation to the target resource transferor and sent to the acquiring system. The target resource transferor includes either the resource transferor or the resource transferee. The real-name authentication request includes a target field and a card number.

[0026] The second determining module is used to parse the field value of the target field and determine the category of the target resource transferor;

[0027] The second determining module is further configured to determine the card number as the target virtual card number when the category of the target resource transferor is a device card in an electronic wallet;

[0028] The generation module is used to generate a request to obtain the physical card number of the target resource transferor based on the target virtual card number;

[0029] The second sending module is used to send the physical card number acquisition request to the resource transfer system, so that the resource transfer system can determine the target physical card number corresponding to the target virtual card number based on the mapping relationship between the virtual card number and the physical card number. The mapping relationship is determined according to the first mapping relationship between the virtual card number and the physical card number sent by the issuing bank system to the resource transfer system and the second mapping relationship between the virtual card number and the physical card number generated by the resource transfer system.

[0030] The second receiving module is also used to receive the target entity card number returned by the resource transfer system;

[0031] The second sending module is further configured to initiate a real-name authentication request and a resource transfer request to the resource transfer system based on the target entity card number, so that the resource transfer system responds to the real-name authentication request and the resource transfer request, and transfers resources from the resource transferor to the resource transferee if the real-name authentication results of both the resource transferor and the resource transferee are successful.

[0032] Fifthly, embodiments of this application provide an electronic device, the device including: a processor and a memory storing computer program instructions;

[0033] When the processor executes the computer program instructions, it implements the method in any one of the possible implementations of the first or second aspect described above.

[0034] Sixthly, embodiments of this application provide a computer-readable storage medium storing computer program instructions, which, when executed by a processor, implement the method in any of the possible implementations of the first or second aspect described above.

[0035] In a seventh aspect, embodiments of this application provide a computer program product in which instructions, when executed by a processor of an electronic device, cause the electronic device to perform a method as described in any of the possible implementations of the first or second aspect above.

[0036] In this embodiment, the resource transfer system stores a mapping relationship between virtual card numbers and physical card numbers determined by a first mapping relationship between virtual card numbers and physical card numbers issued by the issuing bank system and a second mapping relationship between virtual card numbers and physical card numbers issued by the resource transfer system. Therefore, in the process of resource transfer using a POS machine, upon receiving a request from the acquiring system to obtain the physical card number of the target resource transferor, any target virtual card number in the physical card number acquisition request can be restored to a target physical card number based on the mapping relationship between virtual card numbers and physical card numbers. Thus, by returning the target physical card number to the acquiring system, the acquiring institution can initiate a real-name authentication request and a resource transfer request to the resource transfer system based on the target physical card number, thereby enabling the transfer of resources from the resource transferor to the resource transferee when both the real-name authentication results of the resource transferor and the resource transferee are successful. In other words, by restoring any target virtual card number to the target physical card number, users can transfer resources using a POS machine without carrying a physical card, thereby improving the convenience of users when using a financial POS machine to collect resources. Attached Figure Description

[0037] To more clearly illustrate the technical solutions of the embodiments of this application, the accompanying drawings used in the embodiments of this application will be briefly introduced below. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0038] Figure 1 This is a schematic diagram of a financial POS system that uses a physical card for resource transfer, provided by related technologies.

[0039] Figure 2 This is a schematic diagram illustrating a financial POS system that uses a device card in an electronic wallet to transfer resources, provided by related technologies.

[0040] Figure 3 This is a flowchart illustrating a resource transfer method applied to a resource transfer system, as provided in an embodiment of this application.

[0041] Figure 4 This is a flowchart illustrating a resource transfer method applied to an acquiring system, as provided in an embodiment of this application.

[0042] Figure 5 This is a flowchart illustrating a resource transfer method provided in an embodiment of this application;

[0043] Figure 6 This is a schematic diagram of the structure of a resource transfer device applied to a resource transfer system, provided in an embodiment of this application;

[0044] Figure 7 This is a schematic diagram of the structure of a resource transfer device applied to an acquiring system, provided in an embodiment of this application;

[0045] Figure 8 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application. Detailed Implementation

[0046] The features and exemplary embodiments of various aspects of this application will be described in detail below. To make the objectives, technical solutions, and advantages of this application clearer, the application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain this application and not to limit it. For those skilled in the art, this application can be implemented without some of these specific details. The following description of the embodiments is merely to provide a better understanding of this application by illustrating examples.

[0047] It should be noted that, in this document, relational terms such as "first" and "second" are used merely to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising..." does not exclude the presence of additional identical elements in the process, method, article, or apparatus that includes said element.

[0048] Furthermore, the acquisition, storage, use, and processing of data in this application's technical solution all comply with relevant national laws and regulations.

[0049] Currently, domestic residents mainly purchase wealth management products through three channels: online banking, mobile banking, and offline branches. Although online channels such as online banking and mobile banking offer significant convenience, due to the inherent complexity and professionalism of financial products, offline branch sales remain an indispensable and extremely important link in the industry chain.

[0050] When users purchase wealth management products offline, due to differences in products between different banks, it is often necessary for users to consolidate funds between different banks. Existing fund consolidation methods mainly include four types: interbank counter transfers, personal online banking transfers, mobile banking transfers, and point-of-sale (POS) transfers. The specific process for fund consolidation using a wealth management POS is as follows: first, the user swipes or inserts their card on the POS machine; then, the acquiring institution initiates "real-name verification" and "fund transfer" for the physical card with the clearing and switching institution to complete the fund consolidation. A diagram illustrating resource transfer based on a physical card using a wealth management POS in related technologies can be seen as follows: Figure 1 As shown.

[0051] However, during the real-name verification phase, clearing and switching institutions currently only support real-name verification for physical cards, not for virtual cards (i.e., device cards) in e-wallets. Therefore, when using a financial POS terminal for fund collection, users often need to carry multiple physical cards (including multiple outgoing physical cards and one incoming physical card), which is extremely inconvenient.

[0052] If a user uses an e-wallet to make a contactless card payment, they will often encounter a "transaction failed" message. The specific reasons are as follows: When a user uses an e-wallet to make a contactless card payment, the POS machine sends a virtual card number (i.e., a token) to the resource transfer system. This token can be generated as either a "bank-issued token" or a "resource transfer system-issued token." During the real-name verification process, if the token sent by the POS machine to the resource transfer system is a resource transfer system-issued token, the system can convert the token back into a physical card number and send that physical card number to the issuing bank for real-name verification. However, if the token sent by the POS machine is a bank-issued token, the system cannot convert it back into a physical card number. In this case, the resource transfer system may return a "transaction failed" message to the POS machine, or it may directly send the token to the issuing bank. However, since the issuing bank currently lacks the ability to recognize and convert tokens into physical card numbers, it will still report an error, preventing further resource transfer.

[0053] To technically solve this problem, both the card issuer system and the resource transfer system need to be modified. However, the number of card issuer systems is large, the modification cost is high, and the modifications involve the card issuers, who have no willingness or timeline for modification, making implementation difficult. A schematic diagram illustrating resource transfer based on the device card in the e-wallet using a financial POS system in the relevant technology is shown below. Figure 2 As shown.

[0054] Therefore, there is an urgent need for a resource transfer method to avoid users carrying multiple physical cards for fund collection, improve the convenience of users collecting resources using financial POS, and reduce implementation costs.

[0055] To address the problems of existing technologies, embodiments of this application provide a resource transfer method, apparatus, device, computer-readable storage medium, and computer program product. The resource transfer method can be applied to scenarios where funds are collected using a financial POS terminal.

[0056] The resource transfer method applied to a resource transfer system provided in the embodiments of this application is described below.

[0057] Figure 3 A flowchart illustrating a resource transfer method provided in an embodiment of this application is shown. This resource transfer method can be executed by a resource transfer system. Figure 3 As shown, the resource transfer method provided in this application includes the following steps:

[0058] S310. Receive a request from the acquiring system to obtain the physical card number of the target resource transferor. The physical card number request is generated by the acquiring system in response to the real-name authentication request of the target resource transferor, and is determined to be a device card in an e-wallet. The real-name authentication request is generated by the POS terminal in response to the user's card swipe payment operation to the target resource transferor and sent to the acquiring system. The physical card number request includes the target virtual card number. The target resource transferor includes either the resource transferor or the resource transferee.

[0059] S320. In response to the request to obtain the physical card number, based on the mapping relationship between the virtual card number and the physical card number, determine the target physical card number corresponding to the target virtual card number. The mapping relationship is determined according to the first mapping relationship between the virtual card number and the physical card number sent by the issuing bank system to the resource transfer system and the second mapping relationship between the virtual card number and the physical card number generated by the resource transfer system.

[0060] S330. Return the target entity card number to the acquiring system so that the acquiring system can initiate a real-name authentication request and a resource transfer request to the resource transfer system based on the target entity card number.

[0061] S340. In response to the real-name authentication request and the resource transfer request, if the real-name authentication results of both the resource transferor and the resource transferee are successful, transfer the resource from the resource transferor to the resource transferee.

[0062] In this embodiment, the resource transfer system stores a mapping relationship between virtual card numbers and physical card numbers determined by a first mapping relationship between virtual card numbers and physical card numbers issued by the issuing bank system and a second mapping relationship between virtual card numbers and physical card numbers issued by the resource transfer system. Therefore, in the process of resource transfer using a POS machine, upon receiving a request from the acquiring system to obtain the physical card number of the target resource transferor, any target virtual card number in the physical card number acquisition request can be restored to a target physical card number based on the mapping relationship between virtual card numbers and physical card numbers. Thus, by returning the target physical card number to the acquiring system, the acquiring institution can initiate a real-name authentication request and a resource transfer request to the resource transfer system based on the target physical card number, thereby enabling the transfer of resources from the resource transferor to the resource transferee when both the real-name authentication results of the resource transferor and the resource transferee are successful. In other words, by restoring any target virtual card number to the target physical card number, users can transfer resources using a POS machine without carrying a physical card, thereby improving the convenience of users when using a financial POS machine to collect resources.

[0063] The specific implementation methods for each of the above steps are described below.

[0064] In some embodiments, in S310, the target resource transferor may include either the resource transferor or the resource transferee. That is, the entity card number acquisition request may be for the resource transferor or for the resource transferee.

[0065] As an example, when using a financial POS machine for resource aggregation, users can first enter their user information on the POS machine, and then select the resource transferee or resource transferor according to the resource aggregation progress to perform a card payment operation. The user information can include at least one of the following: name, ID number, mobile phone number, etc. Furthermore, the resource transferee or resource transferor can be a physical card or a device card in an e-wallet. If the resource transferee or resource transferor is a physical card, the card payment operation can be performed by bringing the physical card close to the POS machine's Near Field Communication (NFC) sensing area; if the resource transferee or resource transferor is a device card in an e-wallet, the card payment operation can be performed by bringing the user terminal with the e-wallet installed close to the POS machine's NFC sensing area.

[0066] In response to a user's card payment transaction to the target resource transferor, the POS system can generate a real-name authentication request for the target resource transferor and send this request to the acquiring system. The real-name authentication request may include a target field and a card number. The target field can be used to identify the category of the target resource transferor. For example, the target field could be the 9F10 tag in the 55 field. If the target resource transferor is a physical card, the card number can be a physical card number; if the target resource transferor is a device card in an e-wallet, the card number can be a virtual card number.

[0067] Upon receiving a real-name authentication request, the acquiring system can respond by identifying the target field and card number within the request, parsing the target field value, and determining the category of the target resource transferor based on the value. If the target resource transferor category is a physical card, the card number can be identified as the target physical card number; if the target resource transferor category is a device card in an e-wallet, the card number can be identified as the target virtual card number. If the acquiring system determines that the target resource transferor category is a device card in an e-wallet and the card number is the target virtual card number, it can generate a request to obtain the target resource transferor's physical card number based on the virtual card number and send this request to the resource transfer system to retrieve the target physical card number corresponding to the target virtual card number.

[0068] In some embodiments, in S320, the resource transfer system may pre-store a mapping relationship between virtual card numbers and physical card numbers. This mapping relationship can be determined based on a first mapping relationship between virtual card numbers and physical card numbers sent by the issuing bank system to the resource transfer system and a second mapping relationship between virtual card numbers and physical card numbers generated by the resource transfer system. That is, the resource transfer system may pre-store a first mapping relationship issued by the bank and a second mapping relationship issued by the resource transfer system. Thus, when the resource transfer system receives a request to obtain a physical card number, it can restore any target virtual card number in the request to a target physical card number based on the mapping relationship between virtual card numbers and physical card numbers.

[0069] Therefore, in order to ensure the success of restoring any target virtual card number to a target physical card number, in some embodiments, before S320 above, the method may further include:

[0070] Receive the first mapping relationship between virtual card numbers and physical card numbers sent by multiple card issuing systems;

[0071] Obtain the second mapping relationship between virtual card numbers and physical card numbers;

[0072] Determine the mapping relationship based on the first mapping relationship and the second mapping relationship.

[0073] Here, multiple issuing bank systems can be back-end processing systems corresponding to multiple issuing banks. The first mapping relationship can be the mapping relationship between virtual card numbers and physical card numbers generated by the issuing bank systems, and the second mapping relationship can be the mapping relationship between virtual card numbers and physical card numbers generated by the resource transfer system. The institution to which the resource transfer system belongs and the institution to which the issuing bank system belongs (i.e., the issuing bank) can pre-agree that each time the issuing bank system generates a virtual card number corresponding to a physical card number, it will send the second mapping relationship between the physical card number and the virtual card number to the resource transfer system. The resource transfer system can maintain a mapping relationship table to store the second mapping relationship between the virtual card numbers and physical card numbers it generates, as well as the first mapping relationships between virtual card numbers and physical card numbers received from the multiple issuing bank systems. In this way, after receiving a physical card number retrieval request, the resource transfer system can respond to the request by looking up the target physical card number corresponding to the target virtual card number from the above mapping relationship table.

[0074] In this way, every time the issuing bank system generates a virtual card number corresponding to a physical card number, it sends the second mapping relationship between the physical card number and the virtual card number to the resource transfer system. This allows the resource transfer system to continuously update the mapping relationship table, ensuring its comprehensiveness. By searching for the target physical card number corresponding to the target virtual card number in the above mapping relationship table, the success of restoring any target virtual card number to the target physical card number can be guaranteed.

[0075] Furthermore, when generating virtual card numbers corresponding to physical card numbers, the issuing bank system and resource transfer system often follow certain virtual card number encoding rules. These rules may include, for example, that the virtual card number starts with 62, has a length of 13 to 19 digits, and consists of a Bank Card Identification Number (BIN), a Token Service Provider (TSP) custom field, and a check digit. The Bank Card Identification Number can correspond to the issuing bank identifier and the account type. The issuing bank identifier can identify the issuing bank, and the account type can identify corporate accounts, personal accounts, debit cards, credit cards, etc. For example, if the issuing bank identifier is A and the account type is B, then based on the virtual card number encoding rules, the Bank Card Identification Number could be encoded as 123456.

[0076] Therefore, to improve the efficiency of restoring the target virtual card number to the target physical card number, in some embodiments, the physical card number acquisition request may also include the issuing bank identifier and account type corresponding to the target virtual card number, and the mapping relationship exists in the form of a mapping relationship table. Based on this, the above-mentioned S320 may specifically include:

[0077] In response to a request to obtain a physical card number, the target virtual card number is converted into a first physical card number based on the issuing bank identifier and account type, according to a preset card number conversion relationship.

[0078] Search the mapping table for multiple candidate entity card numbers that have the same converted portion as the first entity card number;

[0079] Based on the mapping relationship between physical card numbers and virtual card numbers, the target physical card number corresponding to the target virtual card number is determined from multiple candidate physical card numbers.

[0080] Here, the preset card number conversion relationship can follow the virtual card number restoration rules. The virtual card number restoration rules and the virtual card number encoding rules can be the same. Thus, upon receiving a request to obtain a physical card number, the bank card identification number in the target virtual card number can first be converted based on the correspondence between the bank card identification number, issuing bank identifier, and account type in the preset card number conversion relationship, resulting in a partially converted first physical card number. For example, if the virtual card number is 123456******1234, the issuing bank identifier is A, the account type is B, and the code for issuing bank identifier A in the physical card number is 111, and the code for account type B in the physical card number is 222, then based on the preset card number conversion relationship, the target virtual card number 123456******1234 can be converted into the first physical card number 111222******1234.

[0081] After converting the target virtual card number into the first physical card number, you can first search for multiple candidate physical card numbers that have the same converted part as the first physical card number in the mapping table between physical card numbers and virtual card numbers. Then, based on the mapping relationship between physical card numbers and virtual card numbers, you can determine the target physical card number that corresponds to the target virtual card number from among the multiple candidate physical card numbers.

[0082] This application embodiment first restores a portion of the physical card number based on the issuing bank identifier and account type, and then queries the mapping relationship table based on the unrestored portion. That is, it determines the target physical card number corresponding to the target virtual card number from multiple candidate physical card numbers, rather than determining the target physical card number corresponding to the target virtual card number from all physical card numbers. This reduces the amount of query data and thus improves the card number restoration efficiency of restoring the target virtual card number to the target physical card number.

[0083] Furthermore, to enhance the security of resource transfer, in some embodiments, the physical card number acquisition request may also include a risk factor. Based on this, the aforementioned S320 may further include:

[0084] In response to the request to obtain the physical card number, a risk verification is performed on the request based on the risk factor to obtain the first risk verification result;

[0085] If the first risk verification result is successful, the target physical card number corresponding to the target virtual card number is determined based on the mapping relationship between the virtual card number and the physical card number.

[0086] Here, risk factors may include the manufacturer's identifier of the user terminal corresponding to the target resource transferor, the user terminal's primary location information, the POS terminal's secondary location information, and the issuing institution's identifier corresponding to the target virtual card number. The user terminal corresponding to the target resource transferor may be a terminal with the e-wallet of the target resource transferor installed. Additionally, the issuing institution's identifier may be the identification information of the specific branch corresponding to the target virtual card number.

[0087] Based on this, the above-mentioned risk factor-based risk verification of the entity card number acquisition request yields a first risk verification result, which may specifically include:

[0088] The first risk verification result is determined to be a verification failure if any of the following conditions are met:

[0089] The first location information and the second location information indicate that the user terminal and the point of sale (POS) terminal belong to different areas;

[0090] The card issuer logo indicates that the card issuer is a risky institution.

[0091] The vendor identifier indicates that the user terminal is not a trusted terminal.

[0092] Here, the resource transfer system can store a whitelist used to determine whether a user terminal is trustworthy. If the user terminal's manufacturer identifier is in the whitelist, the user terminal can be determined to be a trustworthy terminal, and further risk verification in other dimensions can proceed. If the user terminal's manufacturer identifier is not in the whitelist, the user terminal can be determined to be an untrustworthy terminal, and the first risk verification result is determined to be verification failure. Subsequent resource transfer is rejected, and a "transaction verification failed" message is returned to the POS machine via the acquiring system.

[0093] Furthermore, since users need to make card payments when using a financial POS terminal to collect funds, the user terminal's first location information and the POS machine's second location information should be the same or close to each other. If the distance between the first and second location information is less than or equal to a distance threshold, it can be determined that the user terminal and the POS machine belong to the same area, and further risk verification in other dimensions can proceed. If the distance between the first and second location information is greater than the distance threshold, it can be determined that the user terminal and the POS machine belong to different areas, and the first risk verification result can be determined as verification failure. Subsequent resource transfer is rejected, and a "transaction verification failed" message is returned to the POS machine via the acquiring system.

[0094] In addition, the resource transfer system can also store a blacklist to determine whether a card issuer is a risky institution. The card issuer can be a specific branch of the issuing bank. If the card issuer corresponding to the card issuer identifier is not on the blacklist, other risk verification dimensions can proceed. If all risk verification dimensions pass, the first risk verification result is considered successful. If the card issuer corresponding to the card issuer identifier is on the blacklist, the card issuer is determined to be a risky institution, and the first risk verification result is considered a failure. Subsequent resource transfer is then rejected, and the acquiring system returns a "transaction verification failed" message to the POS machine.

[0095] It should be noted that, in the embodiments of this application, the order of the risk verification of the above multiple dimensions is not limited. That is, it can be that the user terminal and the POS machine are in the same region first, then the issuing institution corresponding to the target virtual card number is verified as a risky institution, and then the user terminal where the target virtual card number is located is verified as a trusted terminal; or it can be that the user terminal where the target virtual card number is located is verified as a trusted terminal first, then the user terminal and the POS machine are in the same region, and then the issuing institution corresponding to the target virtual card number is verified as a risky institution, and so on.

[0096] This application embodiment improves the security of resource transfer by responding to a physical card number acquisition request, performing risk verification on the physical card number acquisition request based on risk factors, obtaining a first risk verification result, and continuing subsequent resource transfer if the first risk verification result is successful, and rejecting subsequent resource transfer if the first risk verification result is unsuccessful.

[0097] Based on this, to improve the efficiency of determining the first risk verification result, in some embodiments, the first risk verification result can be determined using a decision tree. Specifically, the resource transfer system can input risk factors such as manufacturer identifier, first location information, second location information, and card issuer identifier into the decision tree. The decision tree first determines whether the user terminal is a trusted terminal based on the manufacturer identifier. If not, the first risk verification result is determined to be verification failure. If yes, it continues to determine whether the user terminal and the POS machine belong to the same area based on the first and second location information. If not, the first risk verification result is determined to be verification failure. If yes, it continues to determine whether the card issuer is a risky institution based on the card issuer identifier. If yes, the first risk verification result is determined to be verification failure. If not, the risk verification result is determined to be verification success.

[0098] Furthermore, the request to obtain the physical card number may also include user information. Based on this, to further improve the security of resource transfer, in some embodiments, if the first risk verification result is successful, the target physical card number corresponding to the target virtual card number is determined based on the mapping relationship between the virtual card number and the physical card number. Specifically, this may include:

[0099] If the first risk verification result is successful, the target user is determined based on the user information.

[0100] Obtain the frequency of resource transfers by the target user within a preset period;

[0101] If the frequency of resource transfer is less than a preset threshold, the target physical card number corresponding to the target virtual card number is determined based on the mapping relationship between the virtual card number and the physical card number.

[0102] Here, the preset period can be a pre-set resource transfer period. For example, the preset period could be 1 day, 2 days, or 1 week. The preset threshold can be a pre-set threshold for the frequency of resource transfers used to determine whether a resource transfer is risky. If a user's resource transfer frequency within the preset period is greater than or equal to the preset threshold, it can be determined that the current resource transfer may be risky, thus rejecting subsequent resource transfers and returning a "transaction verification failed" message to the POS machine via the acquiring system. If the user's resource transfer frequency within the preset period is less than the preset threshold, it can be determined that the current resource transfer is safe, thus continuing the subsequent resource transfer process.

[0103] As an example, a resource transfer system may include a counter for recording the frequency of resource transfers. The counter's value can be incremented by 1 each time a resource transfer process is executed. Thus, if the first risk verification result is successful, the resource transfer system can first identify the target user based on user information, and then obtain the target user's resource transfer frequency within a preset period from the counter.

[0104] In this way, by determining the target physical card number corresponding to the target virtual card number based on the mapping relationship between the virtual card number and the physical card number when the frequency of resource transfer is less than a preset threshold, the security of resource transfer can be further improved.

[0105] In some embodiments, in S330, after receiving the target entity card number, the acquiring system can generate a real-name authentication request based on the target entity card number and send the real-name authentication request to the resource transfer system. Upon receiving the real-name authentication request, the resource transfer system can respond by sending a real-name authentication request to the issuing bank system corresponding to the target entity card number, requesting the issuing bank system to perform the specific real-name authentication process, receiving the real-name authentication result returned by the issuing bank system, and returning the real-name authentication result to the acquiring system. If the real-name authentication results for both the resource transferor and the resource transferee are successful, the acquiring system can send a resource transfer request to the resource transfer system.

[0106] In some embodiments, in S340, the resource transfer request may include a consumption transaction request and a settlement transaction request. Upon receiving the resource transfer request, the resource transfer system can respond by accepting the consumption transaction with the issuing bank system corresponding to the resource transferor and by accepting the settlement transaction with the issuing bank system corresponding to the resource transferee. If the transaction acceptance is successful, the issuing bank system corresponding to the resource transferor returns a successful deduction notification to the POS machine, and the issuing bank system corresponding to the resource transferee returns a successful collection notification to the POS machine, thus completing the resource transfer process.

[0107] Therefore, in order to achieve resource transfer, in some embodiments, the above-mentioned S340 may specifically include:

[0108] In response to the real-name authentication request, a real-name authentication request is sent to the issuing bank system corresponding to the target entity's card number;

[0109] Receive the real-name authentication result returned by the card issuer's system in response to the real-name authentication request;

[0110] Return the real-name authentication result to the acquiring system so that the acquiring system can send a resource transfer request to the resource transfer system if the real-name authentication results of both the resource transferor and the resource transferee are successful. The resource transfer request includes a consumption transaction request and a settlement transaction request.

[0111] In response to a resource transfer request, the system accepts consumer transactions with the issuing bank system corresponding to the resource transferor and accepts settlement transactions with the issuing bank system corresponding to the resource transferee.

[0112] In this embodiment, the user can first perform a card payment operation for either the resource transferor or the resource transferee; this is not limited. If the user first performs a card payment operation for the resource transferor, and the resource transferor's type is a device card in an e-wallet, the resource transfer system can first perform a card number conversion process to convert the target virtual card number corresponding to the resource transferor into a target physical card number. Then, through the interaction between the acquiring system, the resource transfer system, and the issuing bank system, the real-name authentication of the resource transferor is completed, resulting in a first real-name authentication result. If the first real-name authentication result is successful, the user can then perform a card payment operation for the resource transferee. If the resource transferee's type is a device card in an e-wallet, the resource transfer system can first perform a card number conversion process to convert the target virtual card number corresponding to the resource transferee into a target physical card number. Then, through the interaction between the acquiring system, the resource transfer system, and the issuing bank system, the real-name authentication of the resource transferee is completed, resulting in a second real-name authentication result. If the second real-name authentication result is successful, the acquiring system can send a resource transfer request to the resource transfer system to carry out subsequent resource transfer.

[0113] The resource transfer method applied to the acquiring system provided in the embodiments of this application is described below.

[0114] Figure 4 A flowchart illustrating a resource transfer method provided in an embodiment of this application is shown. This resource transfer method can be executed by an acquiring system. Figure 4 As shown, the resource transfer method provided in this application embodiment includes steps S410-S460.

[0115] S410 receives a real-name authentication request sent by the point of sale (POS). The real-name authentication request is generated by the POS in response to the user's card payment operation to the target resource transferor and sent to the acquiring system. The target resource transferor includes either the resource transferor or the resource transferee. The real-name authentication request includes the target field and the card number.

[0116] S420, parse the field value of the target field to determine the category of the target resource transferor.

[0117] S430, if the target resource transferor is a device card in an e-wallet, the card number is determined as the target virtual card number.

[0118] S440, based on the target virtual card number, generate a request to obtain the physical card number of the target resource transferor.

[0119] S450, a request to obtain the physical card number is sent to the resource transfer system so that the resource transfer system can determine the target physical card number corresponding to the target virtual card number based on the mapping relationship between the virtual card number and the physical card number. The mapping relationship is determined according to the first mapping relationship between the virtual card number and the physical card number sent by the issuing bank system to the resource transfer system and the second mapping relationship between the virtual card number and the physical card number generated by the resource transfer system.

[0120] S460, Receive the target entity card number returned by the resource transfer system.

[0121] S470, based on the target entity card number, initiates a real-name authentication request and a resource transfer request to the resource transfer system, so that the resource transfer system responds to the real-name authentication request and the resource transfer request. If the real-name authentication results of both the resource transferor and the resource transferee are successful, the resource is transferred from the resource transferor to the resource transferee.

[0122] Based on this, in order to achieve resource transfer, in some embodiments, the above-mentioned S470 may specifically include:

[0123] Based on the target entity card number, a real-name authentication request is initiated to the resource transfer system, so that the resource transfer system sends a real-name authentication request to the issuing bank system corresponding to the target entity card number, and receives the real-name authentication result returned by the issuing bank system in response to the real-name authentication request.

[0124] Receive the real-name authentication result returned by the resource transfer system;

[0125] If both the resource transferor and the resource transferee pass the real-name authentication, a resource transfer request is sent to the resource transfer system. The resource transfer request includes a consumption transaction request and a settlement transaction request, so that the resource transfer system responds to the resource transfer request and performs consumption transaction acceptance with the card issuer system corresponding to the resource transferor, and performs settlement transaction acceptance with the card issuer system corresponding to the resource transferee.

[0126] Furthermore, to further enhance the security of resource transfer, in some embodiments, after S470 described above, the method may further include:

[0127] Verify the resource transfer process corresponding to the resource transfer request.

[0128] Here, after the aforementioned resource transfer system passes the risk verification of the physical card number acquisition request, the acquiring system can further verify the resource transfer process corresponding to the resource transfer request after the resource transfer is completed, so as to further improve the security of the resource transfer.

[0129] In addition to the above, other steps of the method in the embodiments of this application can be found in the above text. Figure 3The relevant descriptions of the embodiments shown will not be repeated here.

[0130] In this embodiment, the resource transfer system stores a mapping relationship between virtual card numbers and physical card numbers determined by a first mapping relationship between virtual card numbers and physical card numbers issued by the issuing bank system and a second mapping relationship between virtual card numbers and physical card numbers issued by the resource transfer system. Therefore, in the process of resource transfer using a POS machine, if the acquiring system determines that the target resource transferor's category is a device card in an e-wallet, the card number is identified as the target virtual card number. Based on the target virtual card number, a request to obtain the target resource transferor's physical card number is generated and sent to the resource transfer system. This allows the resource transfer system to restore any target virtual card number in the physical card number acquisition request to the target physical card number based on the mapping relationship between virtual and physical card numbers. Thus, by receiving the target physical card number returned by the resource transfer system, the acquiring institution can initiate a real-name authentication request and a resource transfer request to the resource transfer system based on the target physical card number. This enables the transfer of resources from the resource transferor to the resource transferee when both the resource transferor and resource transferee have passed real-name authentication. In other words, by restoring any target virtual card number to the target physical card number, users can transfer resources using a POS machine without carrying a physical card, thereby improving the convenience of users when using a financial POS machine to collect resources.

[0131] To better describe the overall solution, some specific examples are given based on the above embodiments. For example, such as... Figure 5 As shown, the resource transfer method provided in this application includes the following steps:

[0132] S51. The user enters user information on the POS machine and uses the first device card in the e-wallet as the payee to perform the first card payment operation.

[0133] S52, the POS machine responds to the first card swipe payment operation and generates a first real-name authentication request for the first device card;

[0134] S53, The POS machine sends the first real-name authentication request to the acquiring system. The first real-name authentication request includes the target field and the card number.

[0135] S54. The acquiring system parses the target field in the first real-name authentication request to determine the category of the payee; if the category of the payee is determined to be a device card in an e-wallet, execute S55; if the category of the payee is determined to be a physical card, execute S511.

[0136] S55. The acquiring system determines the card number as the first target virtual card number and generates a first physical card number acquisition request based on the first target virtual card number. The first physical card number acquisition request includes the first target virtual card number and the first risk factor.

[0137] S56. The acquiring system sends a request to the resource transfer system to obtain the first entity card number.

[0138] S57. The resource transfer system responds to the first entity card number acquisition request and performs risk verification on the first entity card number acquisition request based on the first risk factor.

[0139] S58. If the risk verification is passed, the resource transfer system determines the first target physical card number corresponding to the first target virtual card number based on the mapping relationship between the virtual card number and the physical card number.

[0140] S59. The resource transfer system sends the first target entity card number to the acquiring system;

[0141] S510, The acquiring system updates the first real-name authentication request based on the first target entity card number;

[0142] S511, The acquiring system sends the first real-name authentication request to the resource transfer system;

[0143] S512, The resource transfer system sends the first real-name authentication request to the receiving bank system (i.e., the issuing bank system corresponding to the first device card);

[0144] S513. The receiving bank system responds to the first real-name authentication request, performs real-name authentication on the first device card, and obtains the first real-name authentication result.

[0145] S514. The receiving bank system sends the first real-name authentication result to the acquiring system.

[0146] S515. If the first real-name authentication result is successful, the user uses the second device card in the e-wallet as the payer to perform a second card swipe payment operation.

[0147] S516, The POS machine responds to the second card swipe payment operation by generating a second real-name authentication request for the second device card;

[0148] S517, The POS machine sends a second real-name authentication request to the acquiring system. The second real-name authentication request includes the target field and the card number.

[0149] S518. The acquiring system parses the target field in the second real-name authentication request to determine the type of the payer; if the type of the payer is determined to be a device card in an e-wallet, execute S519; if the type of the payer is determined to be a physical card, execute S525.

[0150] S519. The acquiring system determines the card number as the second target virtual card number, and generates a second physical card number acquisition request based on the second target virtual card number. The second physical card number acquisition request includes the second target virtual card number and the second risk factor.

[0151] S520: The acquiring system sends a request to the resource transfer system to obtain the second entity card number;

[0152] S521. The resource transfer system responds to the second entity card number acquisition request and performs risk verification on the entity card number acquisition request based on the second risk factor.

[0153] S522. If the risk verification is passed, the resource transfer system determines the second target physical card number corresponding to the second target virtual card number based on the mapping relationship between the virtual card number and the physical card number.

[0154] S523, The resource transfer system sends the second target entity card number to the acquiring system;

[0155] S524. The acquiring system updates the second real-name authentication request based on the second target entity card number;

[0156] S525. The acquiring system sends a second real-name authentication request to the resource transfer system.

[0157] S526. The resource transfer system sends a second real-name authentication request to the payment bank system (i.e., the issuing bank system corresponding to the second device card);

[0158] S527. The payment bank system responds to the second real-name authentication request, performs real-name authentication, and obtains the second real-name authentication result.

[0159] S528. The paying bank system sends the second real-name authentication result to the acquiring system.

[0160] S529. If the second real-name authentication result is successful, the acquiring system generates a resource transfer request based on the first device card and the second device card. The resource transfer request includes a consumption transaction request and a settlement transaction request.

[0161] S530, The acquiring system sends a resource transfer request to the resource transfer system;

[0162] S531. The resource transfer system responds to resource transfer requests and conducts consumer transaction acceptance with the payment bank system.

[0163] S532. In response to a resource transfer request, the resource transfer system conducts settlement transaction acceptance with the receiving bank system.

[0164] S533: The payment bank system sends a successful deduction notification to the POS machine;

[0165] S534. The receiving bank system sends a payment success notification to the POS machine.

[0166] Therefore, through the embodiments of this application, regardless of whether the virtual card number is a "bank-issued token" or a "resource transfer system-issued token," the target virtual card number can be restored to the target physical card number, ensuring the success of resource transfer. Furthermore, by modifying the resource transfer system side without modifying the issuing bank's system side, modification costs are saved and modification efficiency is improved.

[0167] Based on the resource transfer method provided in the above embodiments, this application also provides specific implementations of the resource transfer device. Please refer to the following embodiments.

[0168] like Figure 6 As shown in the embodiment of this application, the resource transfer device 600 applied to a resource transfer system includes the following modules:

[0169] The first receiving module 610 is used to receive a request from the acquiring system to obtain the physical card number of the target resource transferor. The physical card number acquisition request is generated by the acquiring system in response to the real-name authentication request of the target resource transferor, and when it is determined that the category of the target resource transferor is a device card in an e-wallet. The real-name authentication request is generated by the POS terminal in response to the user's card swipe payment operation on the target resource transferor and sent to the acquiring system. The physical card number acquisition request includes a target virtual card number, and the target resource transferor includes either the resource transferor or the resource transferee.

[0170] The first determining module 620 is used to respond to the physical card number acquisition request and determine the target physical card number corresponding to the target virtual card number based on the mapping relationship between the virtual card number and the physical card number. The mapping relationship is determined according to the first mapping relationship between the virtual card number and the physical card number sent by the issuing bank system to the resource transfer system and the second mapping relationship between the virtual card number and the physical card number generated by the resource transfer system.

[0171] The first sending module 630 is used to return the target entity card number to the acquiring system, so that the acquiring system can initiate the real-name authentication request and resource transfer request to the resource transfer system based on the target entity card number.

[0172] The resource transfer module 640 is used to respond to the real-name authentication request and the resource transfer request, and transfer resources from the resource transferor to the resource transferee if the real-name authentication results of both the resource transferor and the resource transferee are successful.

[0173] The resource transfer device 600 described above will be explained in detail below:

[0174] In some embodiments, the resource transfer device 600 may further include:

[0175] The first receiving module 610 is further configured to receive a first mapping relationship between virtual card numbers and physical card numbers sent by multiple issuing bank systems before determining the target physical card number corresponding to the target virtual card number based on the mapping relationship between virtual card numbers and physical card numbers in response to a physical card number acquisition request.

[0176] The acquisition module is used to obtain the second mapping relationship between virtual card numbers and physical card numbers;

[0177] The first determining module 620 is also used to determine the mapping relationship based on the first mapping relationship and the second mapping relationship.

[0178] In some embodiments, the physical card number acquisition request also includes the issuing bank identifier and account type corresponding to the target virtual card number, and the mapping relationship exists in the form of a mapping relationship table. Based on this, the first determining module 620 may specifically include:

[0179] The conversion submodule is used to respond to the physical card number acquisition request and convert the target virtual card number into the first physical card number based on the issuing bank identifier and account type according to the preset card number conversion relationship.

[0180] The lookup submodule is used to search the mapping table for multiple candidate entity card numbers that are identical to the converted portion of the first entity card number;

[0181] The determination submodule is used to determine the target physical card number corresponding to the target virtual card number from multiple candidate physical card numbers based on the mapping relationship between physical card numbers and virtual card numbers.

[0182] In some embodiments, the physical card number acquisition request also includes a risk factor. Based on this, the first determining module 620 may specifically include:

[0183] The verification submodule is used to respond to the entity card number acquisition request, perform risk verification on the entity card number acquisition request based on risk factors, and obtain the first risk verification result;

[0184] The determination submodule is also used to determine the target physical card number corresponding to the target virtual card number based on the mapping relationship between the virtual card number and the physical card number, if the first risk verification result is that the verification is passed.

[0185] In some embodiments, the risk factors include the manufacturer identifier of the user terminal corresponding to the target resource transferor, the first location information of the user terminal, the second location information of the POS terminal, and the card issuer identifier corresponding to the target virtual card number.

[0186] Based on this, the verification submodule may specifically include:

[0187] The determining unit is configured to determine the first risk verification result as verification failure if any of the following conditions are met:

[0188] The first location information and the second location information indicate that the user terminal and the point of sale (POS) terminal belong to different areas;

[0189] The card issuer logo indicates that the card issuer is a risky institution.

[0190] The vendor identifier indicates that the user terminal is not a trusted terminal.

[0191] In some embodiments, the physical card number acquisition request also includes user information. Based on this, the determining submodule may specifically include:

[0192] The determining unit is also used to determine the target user based on user information if the first risk verification result is that the verification is passed;

[0193] The acquisition unit is used to acquire the frequency of resource transfers by the target user within a preset period.

[0194] The determining unit is also used to determine the target physical card number corresponding to the target virtual card number based on the mapping relationship between the virtual card number and the physical card number when the resource transfer frequency is less than a preset threshold.

[0195] In some embodiments, the resource transfer module 640 may specifically include:

[0196] The first sending submodule is used to respond to the real-name authentication request and send the real-name authentication request to the issuing bank system corresponding to the target entity card number;

[0197] The first receiving submodule is used to receive the real-name authentication result returned by the card-issuing bank system in response to the real-name authentication request;

[0198] The first sending submodule is also used to return the real-name authentication result to the acquiring system, so that the acquiring system can send a resource transfer request to the resource transfer system when the real-name authentication results of both the resource transferor and the resource transferee are both verified. The resource transfer request includes a consumption transaction request and a settlement transaction request.

[0199] The resource transfer submodule is used to respond to resource transfer requests by conducting consumer transaction acceptance with the issuing bank system corresponding to the resource transferor and settlement transaction acceptance with the issuing bank system corresponding to the resource transferee.

[0200] In this embodiment, the resource transfer system stores a mapping relationship between virtual card numbers and physical card numbers determined by a first mapping relationship between virtual card numbers and physical card numbers issued by the issuing bank system and a second mapping relationship between virtual card numbers and physical card numbers issued by the resource transfer system. Therefore, in the process of resource transfer using a POS machine, upon receiving a request from the acquiring system to obtain the physical card number of the target resource transferor, any target virtual card number in the physical card number acquisition request can be restored to a target physical card number based on the mapping relationship between virtual card numbers and physical card numbers. Thus, by returning the target physical card number to the acquiring system, the acquiring institution can initiate a real-name authentication request and a resource transfer request to the resource transfer system based on the target physical card number, thereby enabling the transfer of resources from the resource transferor to the resource transferee when both the real-name authentication results of the resource transferor and the resource transferee are successful. In other words, by restoring any target virtual card number to the target physical card number, users can transfer resources using a POS machine without carrying a physical card, thereby improving the convenience of users when using a financial POS machine to collect resources.

[0201] like Figure 7 As shown in the embodiment of this application, the resource transfer device 700 applied to the acquiring system includes the following modules:

[0202] The second receiving module 710 is used to receive the real-name authentication request sent by the sales terminal POS. The real-name authentication request is generated by the sales terminal POS in response to the user's card payment operation to the target resource transfer party and sent to the acquiring system. The target resource transfer party includes either the resource transferor or the resource transferee. The real-name authentication request includes the target field and the card number.

[0203] The second determination module 720 is used to parse the field values ​​of the target field and determine the category of the target resource transferor;

[0204] The second determining module 720 is also used to determine the card number as the target virtual card number when the category of the target resource transferor is a device card in an electronic wallet;

[0205] The generation module 730 is used to generate a request to obtain the physical card number of the target resource transferor based on the target virtual card number;

[0206] The second sending module 740 is used to send a physical card number acquisition request to the resource transfer system so that the resource transfer system can determine the target physical card number corresponding to the target virtual card number based on the mapping relationship between the virtual card number and the physical card number. The mapping relationship is determined according to the first mapping relationship between the virtual card number and the physical card number sent by the issuing bank system to the resource transfer system and the second mapping relationship between the virtual card number and the physical card number generated by the resource transfer system.

[0207] The second receiving module 710 is also used to receive the target entity card number returned by the resource transfer system;

[0208] The second sending module 740 is also used to initiate a real-name authentication request and a resource transfer request to the resource transfer system based on the target entity card number, so that the resource transfer system responds to the real-name authentication request and the resource transfer request, and transfers resources from the resource transferor to the resource transferee if the real-name authentication results of both the resource transferor and the resource transferee are successful.

[0209] The resource transfer device 700 described above will be explained in detail below:

[0210] In some embodiments, the second transmitting module 740 may specifically include:

[0211] The second sending submodule is used to initiate a real-name authentication request to the resource transfer system based on the target entity card number, so that the resource transfer system sends the real-name authentication request to the issuing bank system corresponding to the target entity card number, and receives the real-name authentication result returned by the issuing bank system in response to the real-name authentication request.

[0212] The second receiving submodule is used to receive the real-name authentication result returned by the resource transfer system;

[0213] The second sending submodule is also used to send a resource transfer request to the resource transfer system when the real-name authentication results of both the resource transferor and the resource transferee are successful. The resource transfer request includes a consumption transaction request and a settlement transaction request, so that the resource transfer system responds to the resource transfer request and performs consumption transaction acceptance with the card issuer system corresponding to the resource transferor and settlement transaction acceptance with the card issuer system corresponding to the resource transferee.

[0214] In some embodiments, the resource transfer device 700 may further include:

[0215] The verification module is used to verify the resource transfer process corresponding to the resource transfer request after the real-name authentication request and resource transfer request are initiated to the resource transfer system based on the target entity card number.

[0216] In this embodiment, the resource transfer system stores a mapping relationship between virtual card numbers and physical card numbers determined by a first mapping relationship between virtual card numbers and physical card numbers issued by the issuing bank system and a second mapping relationship between virtual card numbers and physical card numbers issued by the resource transfer system. Therefore, in the process of resource transfer using a POS machine, if the acquiring system determines that the target resource transferor's category is a device card in an e-wallet, the card number is identified as the target virtual card number. Based on the target virtual card number, a request to obtain the target resource transferor's physical card number is generated and sent to the resource transfer system. This allows the resource transfer system to restore any target virtual card number in the physical card number acquisition request to the target physical card number based on the mapping relationship between virtual and physical card numbers. Thus, by receiving the target physical card number returned by the resource transfer system, the acquiring institution can initiate a real-name authentication request and a resource transfer request to the resource transfer system based on the target physical card number. This enables the transfer of resources from the resource transferor to the resource transferee when both the resource transferor and resource transferee have passed real-name authentication. In other words, by restoring any target virtual card number to the target physical card number, users can transfer resources using a POS machine without carrying a physical card, thereby improving the convenience of users when using a financial POS machine to collect resources.

[0217] Based on the resource transfer method provided in the above embodiments, this application also provides specific implementation methods for electronic devices. Figure 8 A schematic diagram of an electronic device 800 provided in an embodiment of this application is shown.

[0218] Electronic device 800 may include processor 810 and memory 820 storing computer program instructions.

[0219] Specifically, the processor 810 may include a central processing unit (CPU), an application-specific integrated circuit (ASIC), or one or more integrated circuits that can be configured to implement the embodiments of this application.

[0220] Memory 820 may include mass storage for data or instructions. For example, and not limitingly, memory 820 may include a hard disk drive (HDD), floppy disk drive, flash memory, optical disk, magneto-optical disk, magnetic tape, or Universal Serial Bus (USB) drive, or a combination of two or more of these. Where appropriate, memory 820 may include removable or non-removable (or fixed) media. Where appropriate, memory 820 may be internal or external to electronic device 800. In a particular embodiment, memory 820 is a non-volatile solid-state memory.

[0221] In a specific embodiment, the memory 820 can be implemented in the form of ROM (Read Only Memory), RAM (Random Access Memory), static storage device, dynamic storage device, etc. The memory 820 can store the operating system and other application programs. When the technical solutions provided in the embodiments of this specification are implemented through software or firmware, the relevant program code is stored in the memory 820 and is called and executed by the processor 810. The processor 810 implements any of the resource transfer methods in the above embodiments by reading and executing the computer program instructions stored in the memory 820.

[0222] The processor 810 implements any of the resource transfer methods described in the above embodiments by reading and executing computer program instructions stored in the memory 820.

[0223] In one example, the electronic device 800 may also include a communication interface 830 and a bus 840. For example, Figure 8 As shown, the processor 810, memory 820, and communication interface 830 are connected through bus 840 and complete communication with each other.

[0224] The communication interface 830 is mainly used to realize communication between various modules, devices, units and / or equipment in the embodiments of this application.

[0225] Bus 840 includes hardware, software, or both, that couples components of an electronic device together. For example, and not limitingly, the bus may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), HyperTransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an Infinite Bandwidth Interconnect, a Low Pin Count (LPC) bus, a memory bus, a Microchannel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local (VLB) bus, or other suitable buses, or combinations of two or more of these. Where appropriate, bus 840 may include one or more buses. Although specific buses are described and illustrated in embodiments of this application, this application contemplates any suitable bus or interconnect.

[0226] For example, the electronic device 800 can be a mobile phone, tablet computer, laptop computer, handheld computer, in-vehicle electronic device, ultra-mobile personal computer (UMPC), netbook, or personal digital assistant (PDA), etc.

[0227] The electronic device can execute the resource transfer method in the embodiments of this application, thereby achieving the combination Figures 3 to 5 The resource transfer method described herein, and the beneficial effects of the corresponding method embodiments, will not be elaborated further here.

[0228] Furthermore, in conjunction with the resource transfer methods in the above embodiments, this application embodiment can provide a computer-readable storage medium for implementation. This computer-readable storage medium stores computer program instructions; when these computer program instructions are executed by a processor, they implement any of the resource transfer methods in the above embodiments.

[0229] The computer-readable medium of this embodiment includes permanent and non-permanent, removable and non-removable media, and information storage can be implemented 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 technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other non-transfer medium that can be used to store information accessible by a computing device.

[0230] The computer program instructions stored in the storage medium of the above embodiments are used to cause the computer to execute the resource transfer method shown in any of the above embodiments, and have the beneficial effects of the corresponding method embodiments, which will not be repeated here.

[0231] Based on the resource transfer methods described in the above embodiments, this application provides a computer program product for implementation. When the instructions in this computer program product are executed by the processor of an electronic device, they implement any of the resource transfer methods described in the above embodiments.

[0232] The computer program products of the above embodiments are used to implement the resource transfer method shown in any of the above embodiments, and have the beneficial effects of the corresponding method embodiments, which will not be repeated here.

[0233] It should be clarified that this application is not limited to the specific configurations and processes described above and shown in the figures. For the sake of brevity, detailed descriptions of known methods are omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method process of this application is not limited to the specific steps described and shown. Those skilled in the art can make various changes, modifications, and additions, or change the order of steps, after understanding the spirit of this application.

[0234] The functional blocks shown in the above-described structural diagram can be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, they can be, for example, electronic circuits, application-specific integrated circuits (ASICs), appropriate firmware, plug-ins, function cards, etc. When implemented in software, the elements of this application are programs or code segments used to perform the required tasks. Programs or code segments can be stored on a machine-readable medium or transmitted over a transmission medium or communication link via data signals carried on a carrier wave. "Machine-readable medium" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio frequency (RF) links, etc. Code segments can be downloaded via computer networks such as the Internet, intranets, etc.

[0235] It should also be noted that the exemplary embodiments mentioned in this application describe methods or systems based on a series of steps or apparatus. However, this application is not limited to the order of the above steps; that is, the steps can be performed in the order mentioned in the embodiments, or in a different order, or several steps can be performed simultaneously.

[0236] The aspects of this application have been described above with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this application. It should be understood that each block in the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing apparatus to produce a machine such that these instructions, executable via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions / actions specified in one or more blocks of the flowchart illustrations and / or block diagrams. Such a processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field-programmable logic circuit. It is also understood that each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, can also be implemented by dedicated hardware performing the specified functions or actions, or can be implemented by a combination of dedicated hardware and computer instructions.

[0237] The above description is merely a specific implementation of this application. Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the specific working processes of the systems, modules, and units described above can be referred to the corresponding processes in the foregoing method embodiments, and will not be repeated here. It should be understood that the protection scope of this application is not limited thereto. Any person skilled in the art can easily conceive of various equivalent modifications or substitutions within the technical scope disclosed in this application, and these modifications or substitutions should all be covered within the protection scope of this application.

Claims

1. A resource transfer method, characterized in that, Applied to a resource transfer system, the method includes: The system receives a request from the acquiring system to obtain the physical card number of the target resource transferor. This request is generated by the acquiring system in response to the real-name authentication request of the target resource transferor, provided that the target resource transferor is identified as a device card in an e-wallet. The real-name authentication request is generated by the POS terminal in response to a user's card payment operation to the target resource transferor and sent to the acquiring system. The physical card number request includes a target virtual card number, and the target resource transferor includes either the resource transferor or the resource transferee. In response to the physical card number acquisition request, a target physical card number corresponding to the target virtual card number is determined based on the mapping relationship between the virtual card number and the physical card number. The mapping relationship is determined according to the first mapping relationship between the virtual card number and the physical card number sent by the issuing bank system to the resource transfer system and the second mapping relationship between the virtual card number and the physical card number generated by the resource transfer system. The acquiring system returns the target entity card number to the acquiring system, so that the acquiring system can initiate the real-name authentication request and resource transfer request to the resource transfer system based on the target entity card number. In response to the real-name authentication request and the resource transfer request, if the real-name authentication results of both the resource transferor and the resource transferee are successful, the resource is transferred from the resource transferor to the resource transferee.

2. The method according to claim 1, characterized in that, Before determining the target physical card number corresponding to the target virtual card number based on the mapping relationship between the virtual card number and the physical card number in response to the physical card number acquisition request, the method further includes: Receive the first mapping relationship between virtual card numbers and physical card numbers sent by multiple card issuing systems; Obtain the second mapping relationship between virtual card numbers and physical card numbers; The mapping relationship is determined based on the first mapping relationship and the second mapping relationship.

3. The method according to claim 1, characterized in that, The physical card number acquisition request also includes the issuing bank identifier and account type corresponding to the target virtual card number. The mapping relationship exists in the form of a mapping relationship table. In response to the physical card number acquisition request, determining the target physical card number corresponding to the target virtual card number based on the mapping relationship between the physical card number and the virtual card number includes: In response to the physical card number acquisition request, the target virtual card number is converted into a first physical card number based on the issuing bank identifier and the account type according to a preset card number conversion relationship; Search the mapping table for multiple candidate entity card numbers that have the same converted portion as the first entity card number; Based on the mapping relationship between the physical card number and the virtual card number, the target physical card number corresponding to the target virtual card number is determined from the plurality of candidate physical card numbers.

4. The method according to any one of claims 1-3, characterized in that, The physical card number acquisition request also includes a risk factor. In response to the physical card number acquisition request, determining the target physical card number corresponding to the target virtual card number based on the mapping relationship between virtual card numbers and physical card numbers includes: In response to the physical card number acquisition request, the risk verification of the physical card number acquisition request is performed based on the risk factor to obtain a first risk verification result; If the first risk verification result is successful, the target physical card number corresponding to the target virtual card number is determined based on the mapping relationship between the virtual card number and the physical card number.

5. The method according to claim 4, characterized in that, The risk factors include the manufacturer identifier of the user terminal corresponding to the target resource transferor, the first location information of the user terminal, the second location information of the POS terminal, and the card issuing institution identifier corresponding to the target virtual card number; The step of performing risk verification on the entity card number acquisition request based on the risk factor to obtain a first risk verification result includes: The first risk verification result is determined to be a verification failure if any of the following conditions are met: The first location information and the second location information indicate that the user terminal and the POS terminal belong to different regions; The issuing institution identified by the issuing institution is a risk institution; The vendor identifier indicates that the user terminal is not a trusted terminal.

6. The method according to claim 4, characterized in that, The physical card number acquisition request also includes user information; the step of determining the target physical card number corresponding to the target virtual card number based on the mapping relationship between the virtual card number and the physical card number, when the first risk verification result is successful, includes: If the first risk verification result is successful, the target user is determined based on the user information; Obtain the frequency of resource transfers by the target user within a preset period; If the frequency of resource transfer is less than a preset threshold, the target physical card number corresponding to the target virtual card number is determined based on the mapping relationship between the virtual card number and the physical card number.

7. The method according to any one of claims 1-3, characterized in that, In response to the real-name authentication request and the resource transfer request, if the real-name authentication results of both the resource transferor and the resource transferee are successful, the resource transfer from the resource transferor to the resource transferee includes: In response to the real-name authentication request, the real-name authentication request is sent to the issuing bank system corresponding to the target entity card number; Receive the real-name authentication result returned by the issuing bank system in response to the real-name authentication request; The acquiring system returns the real-name authentication result so that, if the real-name authentication results of both the resource transferor and the resource transferee are successful, the acquiring system sends the resource transfer request to the resource transfer system. The resource transfer request includes a consumption transaction request and a settlement transaction request. In response to the resource transfer request, the system performs consumer transaction acceptance with the issuing bank system corresponding to the resource transferor and settlement transaction acceptance with the issuing bank system corresponding to the resource transferee.

8. A resource transfer method, characterized in that, Applied to an acquiring system, the method includes: The system receives a real-name authentication request sent by a point-of-sale (POS) terminal. The real-name authentication request is generated by the POS terminal in response to a user's card payment operation to a target resource transferor and sent to the acquiring system. The target resource transferor includes either the resource transferor or the resource transferee. The real-name authentication request includes a target field and a card number. Parse the field values ​​of the target field to determine the category of the target resource transferor; If the target resource transferor is a device card in an e-wallet, the card number is identified as the target virtual card number; Based on the target virtual card number, generate a request to obtain the physical card number of the target resource transferor; A request to obtain the physical card number is sent to the resource transfer system so that the resource transfer system can determine the target physical card number corresponding to the target virtual card number based on the mapping relationship between the virtual card number and the physical card number. The mapping relationship is determined according to the first mapping relationship between the virtual card number and the physical card number sent by the issuing bank system to the resource transfer system and the second mapping relationship between the virtual card number and the physical card number generated by the resource transfer system. Receive the target entity card number returned by the resource transfer system; Based on the target entity card number, a real-name authentication request and a resource transfer request are initiated to the resource transfer system, so that the resource transfer system responds to the real-name authentication request and the resource transfer request, and if the real-name authentication results of both the resource transferor and the resource transferee are successful, the resource is transferred from the resource transferor to the resource transferee.

9. The method according to claim 8, characterized in that, The step of initiating a real-name authentication request and a resource transfer request to the resource transfer system based on the target entity card number, so that the resource transfer system responds to the real-name authentication request and the resource transfer request, and, if the real-name authentication results of both the resource transferor and the resource transferee are successful, transfers resources from the resource transferor to the resource transferee, including: Based on the target entity card number, a real-name authentication request is initiated to the resource transfer system, so that the resource transfer system sends the real-name authentication request to the issuing bank system corresponding to the target entity card number, and receives the real-name authentication result returned by the issuing bank system in response to the real-name authentication request; Receive the real-name authentication result returned by the resource transfer system; If the real-name authentication results of both the resource transferor and the resource transferee are successful, the resource transfer request is sent to the resource transfer system. The resource transfer request includes a consumption transaction request and a settlement transaction request, so that the resource transfer system responds to the resource transfer request by accepting the consumption transaction with the issuing bank system corresponding to the resource transferor and accepting the settlement transaction with the issuing bank system corresponding to the resource transferee.

10. The method according to claim 8 or 9, characterized in that, After initiating a real-name authentication request and a resource transfer request to the resource transfer system based on the target entity card number, the method further includes: The resource transfer process corresponding to the resource transfer request is verified.

11. A resource transfer device, characterized in that, The device, used in a resource transfer system, includes: The first receiving module is used to receive a request from the acquiring system to obtain the physical card number of the target resource transferor. The physical card number acquisition request is generated by the acquiring system in response to the real-name authentication request of the target resource transferor, and the target resource transferor is determined to be a device card in an e-wallet. The real-name authentication request is generated by the POS terminal in response to the user's card payment operation to the target resource transferor and sent to the acquiring system. The physical card number acquisition request includes a target virtual card number. The target resource transferor includes either the resource transferor or the resource transferee. The first determining module is used to respond to the physical card number acquisition request and determine the target physical card number corresponding to the target virtual card number based on the mapping relationship between the virtual card number and the physical card number. The mapping relationship is determined according to the first mapping relationship between the virtual card number and the physical card number sent by the issuing bank system to the resource transfer system and the second mapping relationship between the virtual card number and the physical card number generated by the resource transfer system. The first sending module is used to return the target entity card number to the acquiring system, so that the acquiring system can initiate the real-name authentication request and resource transfer request to the resource transfer system based on the target entity card number. The resource transfer module is used to respond to the real-name authentication request and the resource transfer request, and transfer resources from the resource transferor to the resource transferee if the real-name authentication results of both the resource transferor and the resource transferee are successful.

12. A resource transfer device, characterized in that, The device, used in an acquiring system, includes: The second receiving module is used to receive a real-name authentication request sent by a point-of-sale (POS) terminal. The real-name authentication request is generated by the POS terminal in response to a user's card payment operation to the target resource transferor and sent to the acquiring system. The target resource transferor includes either the resource transferor or the resource transferee. The real-name authentication request includes a target field and a card number. The second determining module is used to parse the field value of the target field and determine the category of the target resource transferor; The second determining module is further configured to determine the card number as the target virtual card number when the category of the target resource transferor is a device card in an electronic wallet; The generation module is used to generate a request to obtain the physical card number of the target resource transferor based on the target virtual card number; The second sending module is used to send the physical card number acquisition request to the resource transfer system, so that the resource transfer system can determine the target physical card number corresponding to the target virtual card number based on the mapping relationship between the virtual card number and the physical card number. The mapping relationship is determined according to the first mapping relationship between the virtual card number and the physical card number sent by the issuing bank system to the resource transfer system and the second mapping relationship between the virtual card number and the physical card number generated by the resource transfer system. The second receiving module is also used to receive the target entity card number returned by the resource transfer system; The second sending module is further configured to initiate a real-name authentication request and a resource transfer request to the resource transfer system based on the target entity card number, so that the resource transfer system responds to the real-name authentication request and the resource transfer request, and transfers resources from the resource transferor to the resource transferee if the real-name authentication results of both the resource transferor and the resource transferee are successful.

13. An electronic device, characterized in that, The electronic device includes: a processor and a memory storing computer program instructions; the processor, when executing the computer program instructions, implements the resource transfer method as described in any one of claims 1-7 or 8-10.

14. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer program instructions that, when executed by a processor, implement the resource transfer method as described in any one of claims 1-7 or 8-10.

15. A computer program product, characterized in that, When the instructions in the computer program product are executed by the processor of the electronic device, the electronic device performs the resource transfer method as described in any one of claims 1-7 or 8-10.

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