Resource transfer method, server, switching device, system and storage medium

Abstract

The present application discloses a resource transfer method, server, switching device, system and storage medium, belonging to the field of data processing. The method includes: receiving a resource transfer request message sent by a server, the resource transfer request message includes a resource transfer request identifier, transfer-out resource account information and a first resource transfer amount; determining a transfer-out management subsystem according to the resource transfer request message, the transfer-out management subsystem includes a management subsystem of a transfer-out resource account represented by the transfer-out resource account information; sending a resource transfer request message to the transfer-out management subsystem, the resource transfer request message is used to instruct the transfer-out management subsystem to freeze the resources of the first resource transfer amount in the transfer-out resource account, and at least part of the frozen resources are unfrozen when the transfer-out management subsystem receives the outgoing request message, and transferred to the incoming resource account. According to the embodiment of the present application, the risk of resource transfer can be reduced.

Description

Technical Field

[0001] The present application belongs to the field of data processing, and in particular, relates to a resource transfer method, server, switching device, system and storage medium. Background Art

[0002] C2C (Customer to Customer) is a type of e-commerce between individuals. With the development of information technology, users can use electronic wallets to transfer resources between users in a C2C format, such as sending and receiving red envelopes between users.

[0003] However, in the process of C2C resource transfer between users, the transferred resources need to be placed on a resource transfer platform such as an electronic wallet, and the resources are transferred between the resource transferor and the resource receiver through the resource transfer platform. Compared with the user's resource account party such as the issuing bank, the risk of the resource transfer platform is higher, and the risk of the resources placed on the resource transfer platform also increases, thereby increasing the risk of resource transfer. Summary of the invention

[0004] Embodiments of the present application provide a resource transfer method, server, switching device, system and storage medium, which can reduce the risk of resource transfer.

[0005] In a first aspect, an embodiment of the present application provides a resource transfer method, which is applied to a switching device, and the method includes: receiving a resource transfer request message sent by a server, the resource transfer request message including a resource transfer request identifier, transfer-out resource account information and a first resource transfer amount; determining a transfer-out management subsystem based on the resource transfer request message, the transfer-out management subsystem including a management subsystem of a transfer-out resource account represented by the transfer-out resource account information; sending a resource transfer request message to the transfer-out management subsystem, the resource transfer request message being used to instruct the transfer-out management subsystem to freeze resources of the first resource transfer amount in the transfer-out resource account, and at least part of the frozen resources being unfrozen and transferred to the transfer-in resource account when the transfer-out management subsystem receives the transfer-out request message.

[0006] In a second aspect, an embodiment of the present application provides a resource transfer method, which is applied to a server, and the method includes: sending a resource transfer request message to a switching device, the resource transfer request message including a resource transfer request identifier, transfer-out resource account information and a first resource transfer amount, for instructing a transfer-out management subsystem to freeze resources of the first resource transfer amount in the transfer-out resource account, and at least part of the frozen resources is unfrozen and transferred to the transfer-in resource account when the transfer-out management subsystem receives the account transfer request message; updating the stored first resource transfer status to a resource transfer application status, the first resource transfer status including a transfer status of resources of the first resource transfer amount.

[0007] In a third aspect, an embodiment of the present application provides a switching device, comprising: a receiving module, used to receive a resource transfer request message sent by a server, the resource transfer request message including a resource transfer request identifier, transfer-out resource account information and a first resource transfer amount; a determining module, used to determine a transfer-out management subsystem based on the resource transfer request message, the transfer-out management subsystem including a management subsystem of a transfer-out resource account represented by the transfer-out resource account information; a sending module, used to send a resource transfer request message to the transfer-out management subsystem, the resource transfer request message being used to instruct the transfer-out management subsystem to freeze resources of the first resource transfer amount in the transfer-out resource account, and at least part of the frozen resources being unfrozen and transferred to the transfer-in resource account when the transfer-out management subsystem receives the transfer-out request message.

[0008] In a fourth aspect, an embodiment of the present application provides a server, comprising: a sending module, used to send a resource transfer request message to a switching device, the resource transfer request message including a resource transfer request identifier, transfer-out resource account information and a first resource transfer amount, used to instruct a transfer-out management subsystem to freeze resources of the first resource transfer amount in the transfer-out resource account, and at least part of the frozen resources is unfrozen and transferred to the transfer-in resource account when the transfer-out management subsystem receives the outgoing request message; a status storage module, used to update the stored first resource transfer status to a resource transfer application status, the first resource transfer status including a transfer status of resources of the first resource transfer amount.

[0009] In a fifth aspect, an embodiment of the present application provides a switching device, comprising: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the resource transfer method of the first aspect is implemented.

[0010] In a sixth aspect, an embodiment of the present application provides a server, comprising: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the resource transfer method of the second aspect is implemented.

[0011] In a seventh aspect, an embodiment of the present application provides a resource transfer system, comprising the switching device of the fifth aspect and the server of the sixth aspect.

[0012] In an eighth aspect, an embodiment of the present application provides a computer storage medium having computer program instructions stored thereon, and when the computer program instructions are executed by a processor, the resource transfer method of the first aspect or the resource transfer method of the second aspect is implemented.

[0013] The embodiment of the present application provides a resource transfer method, server, switching device, system and storage medium, wherein the switching device receives a resource transfer request message sent by the server, and sends a resource transfer request message to a determined transfer-out management subsystem according to the resource transfer request. The resource transfer request message may include a resource transfer request identifier, transfer-out resource account information and a first resource transfer amount. The resource transfer request message may instruct the transfer-out management subsystem to freeze the resources of the first resource transfer amount corresponding to the resource transfer request identifier in the transfer-out resource account, so that in the event of a subsequent requirement to transfer resources to the transfer-in resource account, at least part of the frozen resources can be unfrozen and transferred to the transfer-in resource account. In the process of realizing resource transfer through the switching device, the resources are transferred between the transfer-out resource account and the transfer-in resource account without passing through the switching device, thereby reducing the risk of resource transfer. BRIEF DESCRIPTION OF THE DRAWINGS

[0014] In order to more clearly illustrate the technical solution of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0015] Figure 1 A schematic diagram of an example of an application scenario of the resource transfer method provided in an embodiment of the present application;

[0016] Figure 2 A flowchart of an embodiment of the resource transfer method provided in the first aspect of the present application;

[0017] Figure 3 A flowchart of another embodiment of the resource transfer method provided in the first aspect of the present application;

[0018] Figure 4 A flowchart of another embodiment of the resource transfer method provided in the first aspect of the present application;

[0019] Figure 5 A flowchart of another embodiment of the resource transfer method provided in the first aspect of the present application;

[0020] Figure 6 A flowchart of an embodiment of the resource transfer method provided in the second aspect of the present application;

[0021] Figure 7 A flowchart of another example of the resource transfer method provided in the second aspect of the present application;

[0022] Figure 8 A flowchart of another embodiment of the resource transfer method provided in the first aspect of the present application;

[0023] Fig. 9A flowchart of another embodiment of the resource transfer method provided in the second aspect of the present application;

[0024] Fig.10 A schematic diagram of an example of a resource transfer state change provided in an embodiment of the present application;

[0025] Fig.11 A schematic diagram of another example of a resource transfer state change provided in an embodiment of the present application;

[0026] Fig.12 A flowchart of an example of a resource transfer process provided in an embodiment of the present application;

[0027] Fig.13 A flowchart of another example of a resource transfer process provided in an embodiment of the present application;

[0028] Fig.14 A flowchart of another example of a resource transfer process provided in an embodiment of the present application;

[0029] Fig.15 A flowchart of another example of a resource transfer process provided in an embodiment of the present application;

[0030] Fig.16 A schematic diagram of the structure of an embodiment of a switching device provided in the third aspect of the present application;

[0031] Fig.17 A schematic structural diagram of another embodiment of the switching device provided in the third aspect of the present application;

[0032] Fig.18 A schematic diagram of the structure of an embodiment of a server provided in the fourth aspect of the present application;

[0033] Fig.19 A schematic structural diagram of another embodiment of the server provided in the fourth aspect of the present application;

[0034] Fig. 20 A schematic structural diagram of an embodiment of a switching device provided in the fifth aspect of the present application;

[0035] Fig.21 A schematic diagram of the structure of an embodiment of a server provided in the sixth aspect of the present application. DETAILED DESCRIPTION

[0036] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present application, rather than to limit the present application. For those skilled in the art, the present application can be implemented without the need for some of these specific details. The following description of the embodiments is only to provide a better understanding of the present application by illustrating the examples of the present application.

[0037] With the development of information technology, payment transaction methods are becoming more and more diverse. In addition to payment transactions between merchants and users (Business to Consumer, B2C), there are also transaction payments between users (Customer to Customer, C2C), such as the sending and receiving of red envelopes between users. Transaction payments between users can be realized with the help of applications such as e-wallets. For example, the transferor user needs to transfer part of the funds to his own e-wallet first, and then transfer the funds out of his own e-wallet; transfer the funds transferred from the transferor user's e-wallet to the transferee user's e-wallet to complete the payment transaction between the transferor user and the transferee user. However, the entry of funds into the e-wallet will increase the risk in the process of fund transfer.

[0038] The present application provides a resource transfer method, server, switching device, system and storage medium, which can prevent the transferred resources such as funds, electronic currency, etc. from being deposited on resource transfer platforms such as electronic wallets, so that resources are only transferred between the resource account of the transferor and the resource account of the transferee, thereby reducing the risk of resource transfer.

[0039] Figure 1 A schematic diagram of an example of an application scenario of the resource transfer method provided in the embodiment of the present application. Figure 1 As shown, the resource transfer method provided in the embodiment of the present application may involve a server 11, a switching device 12, a transfer-out management subsystem 13, and a transfer-in management subsystem 14, which are not limited here.

[0040] The server 11 may be a background server of an application program used by the transferor and the transferee to transfer resources. For example, the server 11 may be a background server of an electronic wallet used by the transferor and the transferee to send and receive red envelopes. The server may include a transferor service subsystem 111 and a transferee service subsystem 112. The transferor service subsystem 111 and the transferee service subsystem 112 may be implemented by two subsystems or by one subsystem, which is not limited here. The server displays the status of resources during the resource transfer process to the resource transferor and the resource transferee through the application program.

[0041] The transferor is the party from which the resources are transferred. The transferee is the party to which the resources are transferred. Resources can be transferred from the resource account of the transferor to the resource account of the transferee. Resources can include funds, electronic currency, red envelopes, etc., which are not limited here. Resource accounts can include account-based accounts or card-based accounts. One or more resource cards can be associated with an account-based account. A card-based account can be a resource card. Specifically, a resource card can be a bank card, which is not limited here.

[0042] The transfer-out management subsystem 13 includes a management subsystem for the transfer-out resource account. For example, the transfer-out management subsystem 13 may include a bank management system of the opening bank of the transfer-out resource account. The transfer-in management subsystem 14 includes a management subsystem for the transfer-in resource account. For example, the transfer-in management subsystem 14 may include a bank management system of the opening bank of the transfer-in resource account.

[0043] The switching device 12 can be used as a control device for the resource transfer process between the server and the transfer-out management subsystem 13 and the transfer-in management subsystem 14. Resources are not deposited in the switching device 13.

[0044] The resource transfer method, method, server, switching device, system and storage medium provided by the present application will be described in detail below.

[0045] A first aspect of the present application provides a resource transfer method, which can be applied to a switching device. Figure 2 This is a flow chart of an embodiment of the resource transfer method provided in the first aspect of the present application. Figure 2 As shown, the resource transfer method may include steps S201 to S203.

[0046] In step S201, a resource transfer request message sent by a server is received.

[0047] The resource transfer request message is used to request resource transfer. The resource transfer request message may include but is not limited to a resource transfer request identifier, transfer resource account information, and a first resource transfer amount, which are not limited here. The resource transfer request identifier is used to identify a resource transfer request. The resource transfer request may specifically refer to a request initiated by the owner of the transfer resource account. For example, in a red envelope sending and receiving scenario, the resource transfer request may be a red envelope sending request initiated by the red envelope sending user. The transfer resource account information includes relevant information of the transfer resource account. In some examples, the transfer resource account information may include but is not limited to a transfer resource account identifier, transfer resource account owner information, transfer resource account confidentiality password, etc., which are not limited here. The first resource transfer amount is the amount of resources required to be transferred out for this resource transfer.

[0048] In some examples, the resource transfer request message may also include, but is not limited to, one or more of the following: resource transfer request time, server identifier. The resource transfer request time is used to characterize the time of the resource transfer request represented by the resource transfer request information, and the accuracy can be set according to the scenario and requirements, which is not limited here. For example, the accuracy of the resource transfer request time can be days. The server identifier is used to identify the server or the organization to which the server belongs, which is not limited here. The server can be located according to the server identifier.

[0049] In the case where the resource transfer request message includes the resource transfer request time, different resource transfer request identifiers corresponding to different resource transfer requests are different within the same resource transfer request time. For example, the precision of the resource transfer request time is days, and within the day of November 10, the resource transfer request identifiers corresponding to various resource transfer requests are different.

[0050] The server sends a resource transfer request message to the switching device to request to transfer out the resource. The switching device receives the resource transfer request message and can store the information in the resource transfer request message to manage and control the resource transfer process.

[0051] In step S202, a transfer-out management subsystem is determined according to the resource transfer-out request message.

[0052] The transfer-out management subsystem includes a management subsystem for a transfer-out resource account represented by transfer-out resource account information. According to the resource account information, the transfer-out resource account can be determined, and thus according to the transfer-out resource account, the transfer-out management subsystem can be determined.

[0053] In step S203, a resource transfer-out request message is sent to the transfer-out management subsystem.

[0054] The resource transfer request message is used to instruct the transfer management subsystem to freeze the resources of the first resource transfer amount in the transfer resource account. The transfer management subsystem receives the resource transfer request, and can determine the transfer resource account according to the resource account information in the resource transfer request message, and select the resource freezing of the first resource transfer amount in the transfer resource account. The resources frozen this time have a corresponding relationship with the information in the resource transfer request message. According to the resource transfer request identifier, the frozen resources corresponding to the resource transfer request identifier can be determined. Frozen resources cannot be transferred before being unfrozen.

[0055] At least part of the resources of the first resource transfer amount frozen in the transfer-out resource account are unfrozen and transferred to the transfer-in resource account when the transfer-out management subsystem receives an outgoing account request message. When the transfer-out management subsystem receives a resource transfer-out request message, the resources of the first resource transfer amount in the transfer-out resource account are frozen, but the frozen resources are not transferred out of the transfer-out resource account. When the transfer-out management subsystem receives an outgoing account request message, it indicates that the incoming resource party corresponding to the incoming resource account has requested to transfer in at least part of the frozen resources. When an outgoing account request message is received, the resources of the amount requested to be outgoing in the frozen resources are unfrozen.

[0056] For example, the resource is money, the resource transfer request identifier included in the resource transfer request message is A1, the transfer-out resource account represented by the transfer-out resource account information is B1, and the first resource transfer amount is 100 yuan. In the case of receiving the resource transfer request message, the switching device sends the resource transfer request information to the management subsystem of the transfer-out resource account B1. The management subsystem of the transfer-out resource account B1 freezes the 100 yuan of funds in the transfer-out resource account, and at this time, the 100 yuan of funds are still in the transfer-out resource account B1. When the management subsystem of the transfer-out resource account B1 receives the outgoing request message, the frozen 100 yuan of funds will be unfrozen for the 50 yuan requested to be transferred out by the outgoing request message, and transferred to the incoming resource account requested to be transferred in by the outgoing request message.

[0057] The amount of resources requested to be transferred by the transferor-in resource account corresponding to the transfer-in resource account, i.e., the amount requested to be transferred out by the transfer-out request message, may be less than or equal to the first resource transfer amount. The resources transferred out of the transfer-out resource account may be transferred into one transfer-in resource account or into multiple different transfer-in resource accounts, which is not limited here. For example, resources are distributed in the form of red envelopes, and a red envelope issued by a transfer-out resource account may be received by one transfer-in resource account. For another example, resources are distributed in the form of red envelopes, and a red envelope issued by a transfer-out resource account may be divided into multiple sub-red envelopes, which may be received by multiple transfer-in resource accounts.

[0058] In some examples, the outgoing resource account and the incoming resource account may be card-based accounts. That is, the outgoing resource account may be a resource card for transferring out resources, such as a bank card. The incoming resource account may be a resource card for transferring in resources, such as a bank card.

[0059] The resource transfer-out account may belong to the first category of accounts, and the resource transfer-in account may belong to the second category of accounts. The types of the first category of accounts and the second category of accounts may be the same or different. In the case where the types of the first category of accounts and the second category of accounts are different, that is, the systems of the first category of accounts and the second category of accounts are different, the different types of accounts can be reflected by different account opening parties or different account management parties. For example, the account is specifically a bank card, and the issuing bank of the transfer-out bank card, i.e., the resource transfer-out account, is different from the issuing bank of the transfer-in bank card, i.e., the resource transfer-out account. For another example, the account is specifically a payment account, and the account opening institution of the transfer-out payment account, i.e., the resource transfer-out account, is different from the account opening institution of the transfer-in payment account, i.e., the resource transfer-in account. In the case where the user uses a payment application to transfer resources, it can also be regarded that the payment application of the transfer-out payment account is different from the payment application of the transfer-in payment account.

[0060] In an embodiment of the present application, a switching device receives a resource transfer request message sent by a server, and sends a resource transfer request message to a determined transfer management subsystem according to the resource transfer request. The resource transfer request message may include a resource transfer request identifier, transfer-out resource account information, and a first resource transfer amount. The resource transfer request message may instruct the transfer management subsystem to freeze the resources of the first resource transfer amount corresponding to the resource transfer request identifier in the transfer-out resource account, so that in the case of a subsequent requirement to transfer resources to the transfer-in resource account, at least part of the frozen resources will be unfrozen and transferred to the transfer-in resource account. In the process of realizing resource transfer through the switching device, the resources are transferred between the transfer-out resource account and the transfer-in resource account without passing through the switching device, thereby reducing the risk of resource transfer. Moreover, in the absence of resource transfer precipitation, the switching device can also monitor the resource transfer process by receiving and sending resource transfer requests to ensure that the resource transfer process is controllable.

[0061] For the sake of convenience, the process of freezing resources in a transfer-out resource account through a resource transfer-out request in the embodiment of the present application is referred to as a resource freezing process. The switching device can fully monitor the resource freezing process by receiving and sending various functional messages. Figure 3 This is a flowchart of another embodiment of the resource transfer method provided in the first aspect of the present application. Figure 3 and Figure 2 The difference is that Figure 3 It may also include step S204 and step S205.

[0062] In step S204, a resource transfer-out response message sent by the transfer-out management subsystem is received.

[0063] The resource transfer-out response message is used to indicate that the transfer-out management subsystem has successfully frozen the resources of the first resource transfer amount in the transfer-out resource account. That is, after the transfer-out management subsystem has completed freezing the resources of the first resource transfer amount in the transfer-out resource account, it can send a resource transfer-out response message to the switching device to notify the switching device that the resource freezing is successful.

[0064] The resource transfer-out response message may include information in the resource transfer-out request message corresponding to the resource transfer-out response message. Specifically, the resource transfer-out response message may include, but is not limited to, a resource transfer-out request identifier, transfer-out resource account information, and a first resource transfer amount. In some examples, the resource transfer-out response message may also include, but is not limited to, one or more of the following: resource transfer-out request time, server identifier.

[0065] In step S205, a resource transfer-out response message is sent to the server.

[0066] The switching device monitors the resource freezing process through the resource transfer-out response message. For the server, the resource transfer-out response message indicates that the resource is in a state of waiting to be transferred in. The switching device sends the resource transfer-out response message to the server, so that the server can obtain the status of the resource during the resource freezing process.

[0067] During the resource freezing process, abnormal situations may occur, resulting in the server not receiving the resource transfer response message, the server being unable to send a message to the user terminal to indicate the status of the resource requested for transfer, and the user terminal being unable to obtain the status of the resource requested for transfer, which may lead to information asymmetry between the server, switching equipment, and transfer management subsystem. The above problems can be avoided by monitoring the reception of the resource transfer response message by the server and switching equipment, combined with reversal measures.

[0068] In some examples, it may happen that the server fails to receive a resource transfer response message. In the case where the server does not receive a resource transfer response message within a first preset time period, the server may send a first reversal message to the switching device. The switching device receives the first reversal message, and in response to the first reversal message, sends a resource freeze reversal message to the transfer-out management subsystem. The resource freeze reversal message is used to instruct the transfer-out management subsystem to perform a freeze reversal. The freeze reversal includes reversing the freeze of resources of the first resource transfer amount in the transfer-out resource account. In response to the resource freeze reversal message, the freeze reversal performed by the transfer-out management subsystem may specifically include canceling the freeze of resources of the first resource transfer amount corresponding to the resource transfer request identifier in the transfer-out resource account.

[0069] The first preset duration can be set according to the scenario and needs and is not limited here.

[0070] When the freezing reversal of the transfer-out management subsystem is successful, the transfer-out management subsystem sends a resource freezing reversal response message to the switching device. The resource freezing reversal response message is used to indicate that the freezing reversal is successful. The switching device receives the resource freezing reversal response message and sends the resource freezing reversal response message to the server.

[0071] In other examples, it may happen that the switching device does not receive a resource transfer-out response message. In the case where the switching device does not receive a resource transfer-out response message within the second preset time period, it sends a resource freeze correction message to the transfer-out management subsystem. The specific content of the resource freeze correction message can be found in the relevant description in the above example and will not be repeated here. In the case where the switching device does not receive a resource transfer-out response message within the second preset time period, it may also send a resource transfer-out failure response message to the server. The resource transfer-out failure response message can be used to indicate that the management subsystem has failed to freeze the resources of the first resource transfer amount.

[0072] The second preset duration can be set according to the scenario and needs and is not limited here.

[0073] When the freezing reversal of the transfer-out management subsystem is successful, the transfer-out management subsystem sends a resource freezing reversal response message to the switching device. The resource freezing reversal response message is used to indicate that the freezing reversal is successful. The switching device receives the resource freezing reversal response message and sends the resource freezing reversal response message to the server.

[0074] Through the interaction between the server, switching equipment and the transfer-out management subsystem, combined with the freezing and reversal measures of the transfer-out management subsystem, it is possible to ensure that the information of the server, switching equipment and transfer-out management subsystem is equal, thus avoiding problems in liquidation.

[0075] In some other embodiments, the server, the switching device, and the transfer-out management subsystem can also realize the outgoing and incoming accounting of resources. The outgoing accounting of resources refers to the transfer of resources from the outgoing resource account, and the incoming accounting of resources refers to the transfer of resources into the incoming resource account. For the sake of convenience, the process of unfreezing the frozen resources in the outgoing resource account and transferring them from the outgoing resource account to the incoming resource account through the resource transfer request message, the outgoing accounting request message, the incoming accounting request message, etc. in the embodiments of the present application is called the resource receiving process. The complete monitoring of the resource receiving process by the switching device can be achieved by receiving and sending various functional messages. Figure 4 This is a flowchart of another embodiment of the resource transfer method provided in the first aspect of the present application. Figure 4 and Figure 3 The difference is that Figure 4 The resource transfer method shown may further include steps S206 to S213.

[0076] In step S206, a resource transfer request message sent by the server is received.

[0077] The resource transfer-in request message is used to request resource transfer-in. The resource transfer-in request message may include, but is not limited to, a resource transfer-out request identifier, transfer-out resource account information, transfer-in resource account information, and a second resource transfer amount, which are not limited here. The specific contents of the resource transfer-out request identifier and the transfer-out resource account information can be found in the relevant descriptions in the above embodiments, which will not be repeated here. The transfer-in resource account information includes relevant information of the transfer-in resource account. In some examples, the transfer-in resource account information may include, but is not limited to, a transfer-in resource account identifier, transfer-in resource account owner information, a transfer-in resource account confidentiality password, etc., which are not limited here. The second resource transfer amount is the amount of resources required to be transferred in this resource transfer.

[0078] In some examples, the resource transfer-in request message may also include, but is not limited to, one or more of the following: resource transfer-out request time, server identifier, resource transfer-in request time, and resource transfer-in request identifier. The specific content of the resource transfer-out request time and server identifier can be found in the relevant descriptions in the above embodiments, which will not be repeated here. The resource transfer-in request time is used to characterize the time of the resource transfer-in request represented by the resource transfer-in request information. The accuracy can be set according to the scenario and requirements, and is not limited here. For example, the accuracy of the resource transfer-in request time may be days. The accuracy of the resource transfer-in request time may be consistent with the accuracy of the resource transfer-out request time. The resource transfer-in request identifier is used to identify the resource transfer-in request. The resource transfer-in request may specifically refer to a request initiated by the owner of the resource account being transferred. For example, in a red envelope sending and receiving scenario, the resource transfer-in request may be a red envelope receiving request initiated by the red envelope receiving user.

[0079] In the case where the resource transfer-in request message includes the resource transfer-in request time and the resource transfer-in request identifier, different resource transfer-in request identifiers are corresponding to different resource transfer-in request within the same resource transfer-in request time. For example, the precision of the resource transfer-in request time is day, and within the day of November 10, the resource transfer-in request identifiers are corresponding to different resource transfer-in request.

[0080] In step S207, the transfer-out management subsystem is determined according to the resource transfer-in request message.

[0081] Specifically, the transfer-out management subsystem may be determined according to the transfer-out resource account information in the resource transfer-in request message. The switching device may generate an outgoing account request message based on the resource transfer-in request.

[0082] In step S208, an outgoing payment request message is sent to the outgoing transfer management subsystem.

[0083] The outgoing request message includes a resource transfer request identifier, transfer-out resource account information, transfer-in resource account information, and a second resource transfer amount. The outgoing request message is used to instruct the transfer-out management subsystem to unfreeze the second resource transfer amount of the frozen resources corresponding to the resource transfer request identifier and transfer the resources out of the transfer-out resource account.

[0084] In some examples, the outgoing request message may also include, but is not limited to, one or more of the following: resource transfer-out request time, server identifier, resource transfer-in request time, resource transfer-in request identifier, and settlement time. The settlement time is the time for settlement, and the accuracy of the settlement time can be set according to the scenario and requirements, for example, the accuracy of the settlement time is days.

[0085] The transfer-out management subsystem receives the outgoing request information, searches for frozen resources corresponding to the resource transfer request identifier in the outgoing resource account represented by the outgoing resource account information, unfreezes the resources of the second resource transfer amount in the frozen resources, and transfers the unfrozen resources of the second resource transfer amount out of the outgoing resource account.

[0086] In order to facilitate monitoring of frozen resources in the transferred-out resource account, the switching device may store the frozen resource amount corresponding to each resource transfer-out request identifier, and the frozen resource amount corresponding to the resource transfer-out request identifier is the transferable resource amount corresponding to the resource transfer-out request identifier. After receiving the resource transfer-in request message, the switching device may also detect whether the second resource transfer amount is greater than 0, and whether the second resource transfer amount is greater than the stored frozen resource amount. When it is determined that the second resource transfer amount is greater than 0, and the second resource transfer amount is less than or equal to the stored frozen resource amount, the switching device sends an outgoing account request message to the transfer-out management subsystem. When it is determined that the second resource transfer amount is less than or equal to 0, the switching device does not send an outgoing account request message to the transfer-out management subsystem. When it is determined that the second resource transfer amount is greater than the frozen resource amount, the switching device does not send an outgoing account request message to the transfer-out management subsystem.

[0087] After receiving the resource transfer-in request message, the switching device may also compare whether the transfer-out resource account information in the resource transfer-in request message is consistent with the transfer-out resource account information in the resource transfer-out request message with the same resource transfer-out request identifier. If the transfer-out resource account information in the resource transfer-in request message is consistent with the transfer-out resource account information in the resource transfer-out request message with the same resource transfer-out request identifier, the switching device sends an outgoing account request message to the transfer-out management subsystem. If the transfer-out resource account information in the resource transfer-in request message is inconsistent with the transfer-out resource account information in the resource transfer-out request message with the same resource transfer-out request identifier, the switching device does not send an outgoing account request message to the transfer-out management subsystem.

[0088] In step S209, the frozen resource amount corresponding to the resource transfer request identifier in the stored transfer-out resource account is updated.

[0089] When the switching device sends an outgoing request message to the transfer-out management subsystem, the frozen resource amount corresponding to the stored resource transfer request identifier can be updated. Specifically, it can be updated to the difference between the last frozen resource amount corresponding to the resource transfer request identifier and the second resource transfer amount, that is, the updated frozen resource amount = the unupdated frozen resource amount - the second resource transfer amount.

[0090] In step S210, a payment success response message sent by the transfer-out management subsystem is received.

[0091] When the transfer-out management subsystem successfully transfers the unfrozen second resource transfer amount from the transfer-out resource account, the transfer-out management subsystem may send a successful payment response message to the switching system. The successful payment response message is used to indicate that the resources of the unfrozen second resource transfer amount are successfully transferred out from the transfer-out resource account. The switching device determines that the transfer-out resource account is successfully paid out by receiving the successful payment response message.

[0092] The outgoing successful response message may include information in the outgoing request message corresponding to the outgoing successful response message. Specifically, the outgoing successful response message may include, but is not limited to, a resource transfer-out request identifier, transfer-out resource account information, transfer-in resource account information, and a second resource transfer amount. In some examples, the outgoing successful response message may also include, but is not limited to, one or more of the following: resource transfer-out request time, server identifier, resource transfer-in request time, resource transfer-in request identifier, and clearing time.

[0093] In step S211, in response to the successful payment response message, an incoming payment request message is sent to the incoming transfer management subsystem.

[0094] The transfer-in management subsystem includes a management subsystem for the transfer-in resource account represented by the transfer-in resource account information.

[0095] The account entry request message includes a resource transfer-out request identifier, transfer-out resource account information, transfer-in resource account information, and a second resource transfer amount. The account entry request message is used to instruct the transfer-in management subsystem to transfer the resources of the second resource transfer amount transferred out of the transfer-out resource account into the transfer-in resource account, so as to complete the process of transferring the resources of the second resource transfer amount from the transfer-out resource account to the transfer-in resource account.

[0096] In some examples, the account entry request message may also include, but is not limited to, one or more of the following: resource transfer-out request time, server identifier, resource transfer-in request time, resource transfer-in request identifier, and settlement time.

[0097] In step S212, a successful account entry response message sent by the transfer-in management subsystem is received.

[0098] The successful account entry response message is used to indicate that the second resource transfer amount has been successfully transferred into the transferred resource account. That is, when the transfer management subsystem completes the transfer of the second resource transfer amount into the transferred resource account in response to receiving the account entry request message, it can send a successful account entry response message to the switching device to notify the switching device that the resource transfer into the transferred resource account is successful.

[0099] The successful account entry response message may include information in the account entry request message corresponding to the successful account entry response message. Specifically, the successful account entry response message may include, but is not limited to, a resource transfer request identifier, transfer-out resource account information, transfer-in resource account information, and a second resource transfer amount. In some examples, the account entry request message may also include, but is not limited to, one or more of the following: resource transfer-out request time, server identifier, resource transfer-in request time, resource transfer-in request identifier, and clearing time.

[0100] In step S213, in response to the successful account entry response message, a resource transfer success message is sent to the server.

[0101] The switching device can generate a resource transfer success message according to the successful account entry response message, and send the resource transfer success message to the server. For the server, the resource transfer success message indicates that the resource is in a successful transfer state. By sending the resource transfer success message to the server, the switching device enables the server to obtain the status of the resource during the resource reception process.

[0102] The resource transfer-in success message may include information in the account entry success response message corresponding to the resource transfer-in success message. Specifically, the resource transfer-in success message may include, but is not limited to, a resource transfer-out request identifier, transfer-out resource account information, transfer-in resource account information, and a second resource transfer amount. In some examples, the resource transfer-in success message may also include, but is not limited to, one or more of the following: resource transfer-out request time, server identifier, resource transfer-in request time, resource transfer-in request identifier, and clearing time.

[0103] In the case where the above message includes a resource transfer request identifier, the resource transfer request identifier can be used to prevent resources from being transferred repeatedly.

[0104] Abnormal situations may occur during the resource receiving process, resulting in the server not receiving the resource transfer success message, the server being unable to send information representing the status of the resource requested to be transferred to the user terminal, and the user terminal being unable to obtain the status of the resource requested to be transferred, which may lead to information asymmetry between the server, switching equipment, transfer-out management subsystem, and transfer-in management subsystem. The above problems can be avoided by monitoring the reception of the successful account entry response message and the failed account entry response message through the server and switching equipment, and combining them with reversal measures.

[0105] In some examples, it may happen that the switching device does not receive a successful payment response message. When the switching device does not receive a successful payment response message within the third preset time period, the frozen resource amount corresponding to the resource transfer request identifier in the stored transfer-out resource account is rolled back. In the above step 209, the frozen resource amount corresponding to the resource transfer request identifier in the stored transfer-out resource account is updated. Rolling back the frozen resource amount corresponding to the resource transfer request identifier in the stored transfer-out resource account refers to rolling back the frozen resource amount corresponding to the resource transfer request identifier in the updated stored transfer-out resource account to the frozen resource amount corresponding to the resource transfer request identifier in the unupdated stored transfer-out resource account. Specifically, the frozen resource amount after rollback = the updated frozen resource amount + the second resource transfer amount.

[0106] The third preset duration can be set according to the scenario and needs and is not limited here.

[0107] When the switching device does not receive a successful account transfer response message within the third preset time period, it sends a resource transfer failure message to the server and sends an account transfer reversal message to the transfer-out management subsystem. The account transfer reversal message is used to instruct the transfer-out management subsystem to perform an account transfer reversal. Account transfer reversal includes reversing the transfer-out of the resources of the second resource transfer amount from the transfer-out resource account and reversing the unfreezing of the resources of the second resource transfer amount. Specifically, reversing the transfer-out of the resources of the second resource transfer amount from the transfer-out resource account refers to transferring the resources of the second resource transfer amount back to the transfer-out resource account. Reversing the unfreezing of the resources of the second resource transfer amount refers to freezing the resources of the second resource transfer amount transferred back to the transfer-out resource account.

[0108] When the outgoing account reversal is successful, the outgoing account reversal subsystem sends an outgoing account reversal response message to the switching device. The switching device receives the outgoing account reversal response message. The outgoing account reversal response message is used to indicate that the outgoing account reversal is successful.

[0109] In other examples, the switching device may receive an account entry failure response message. When the transfer-in management subsystem determines that the resource transfer-in of the second resource transfer amount into the resource account fails, the transfer-in management subsystem sends an account entry failure response message to the switching device. The switching device receives the account entry failure response message. The account entry failure response message is used to indicate that the resource transfer-in of the second resource transfer amount into the resource account fails.

[0110] In response to the failed account entry response message, the switching device rolls back the frozen resource amount corresponding to the resource transfer request identifier in the stored transfer-out resource account. In the above step 209, the frozen resource amount corresponding to the resource transfer request identifier in the stored transfer-out resource account is updated. Rolling back the frozen resource amount corresponding to the resource transfer request identifier in the stored transfer-out resource account means rolling back the frozen resource amount corresponding to the resource transfer request identifier in the updated stored transfer-out resource account to the frozen resource amount corresponding to the resource transfer request identifier in the unupdated stored transfer-out resource account. Specifically, the frozen resource amount after rollback = the updated frozen resource amount + the second resource transfer amount.

[0111] In response to the failed account entry response message, the switching device sends a resource transfer failure message to the server, and sends an account out reversal message to the transfer-out management subsystem. The account out reversal message is used to instruct the transfer-out management subsystem to perform an account out reversal. The account out reversal includes reversing the transfer of resources of the second resource transfer amount to the transfer-in resource account, and reversing the unfreezing of resources of the second resource transfer amount. Specifically, reversing the transfer of resources of the second resource transfer amount to the transfer-in resource account refers to transferring the resources of the second resource transfer amount back to the transfer-out resource account. Reversing the unfreezing of resources of the second resource transfer amount refers to freezing the resources of the second resource transfer amount transferred back to the transfer-out resource account.

[0112] When the outgoing account reversal is successful, the outgoing account reversal subsystem sends an outgoing account reversal response message to the switching device. The switching device receives the outgoing account reversal response message. The outgoing account reversal response message is used to indicate that the outgoing account reversal is successful.

[0113] In some other examples, the situation may occur that the switching device does not receive the successful account response message. When the switching device does not receive the successful account response message within the fourth preset time period, it sends a resource transfer success message to the server and sends an account confirmation message to the transfer-in management subsystem. The account confirmation message is used to transfer the resources of the second resource transfer amount to the transfer-in resource account. Specifically, the transfer-in management subsystem receives the account confirmation message and can confirm whether the resources of the second resource transfer amount have been transferred to the transfer-in resource account. In the case where the transfer-in management subsystem determines that the resources of the second resource transfer amount have been transferred to the transfer-in resource account, the transfer-in management subsystem may not process it. In the case where the transfer-in management subsystem determines that the resources of the second resource transfer amount have not been transferred to the transfer-in resource account, the transfer-in management subsystem directly transfers the resources of the second resource transfer amount to the transfer-in resource account.

[0114] Through the interaction between the server, switching equipment, transfer-out management subsystem and transfer-in management subsystem, combined with the outgoing reversal method of the transfer-out management subsystem, it is possible to ensure information parity among the server, switching equipment, transfer-out management subsystem and transfer-in management subsystem, thus avoiding problems in clearing.

[0115] In the above example, if the server does not receive the resource transfer success message, it can send a query message to the switching device. The query message is used to instruct the switching device to query the transfer processing result of the resource corresponding to the resource transfer request identifier. The switching device responds to the query message and queries the transfer processing result of the resource corresponding to the resource transfer request identifier. In this query process, the server and the switching device ensure that the same resource cannot be received repeatedly.

[0116] In some other embodiments, the freezing of the frozen resources in the transferred-out resource account may time out, and the switching device may not receive the resource transfer-in request message. In this case, it can be regarded that the resources to be transferred out have not been received on time, and the resources that have not been received on time can be unfrozen so that these resources can be used in other businesses, thereby improving the flexibility of resource utilization. Figure 5 This is a flowchart of another embodiment of the resource transfer method provided in the first aspect of the present application. Figure 5 and Figure 3 The difference is that Figure 5 The resource transfer method shown may further include steps S214 to S217.

[0117] In step S214, a resource unfreezing request message is received from the server when the freezing time of at least part of the resources in the transferred-out resource account exceeds the freezing timeout time.

[0118] In the case where the server does not send a resource transfer-in request message within the freezing timeout period, the freezing time of the resources of the first resource transfer amount frozen in the transferred-out resource account exceeds the freezing timeout period. In the case where the server sends a resource transfer-in request message within the freezing timeout period, but the cumulative amount of the second resource transfer amount in the resource transfer-in request message within the freezing timeout period is less than the first resource transfer amount, the freezing time of the remaining frozen resources in the transferred-out resource account exceeds the freezing timeout period. In the case where the freezing time of at least part of the resources in the transferred-out resource account exceeds the freezing timeout period, the server sends a resource unfreeze request message to the switching device. The switching device receives the resource unfreeze request message. The resource unfreeze request message may include but is not limited to a resource transfer-out request identifier and transfer-out resource account information. In some examples, the resource unfreeze request message may also include but is not limited to one or more of the following: resource transfer-out request time, server identifier, resource unfreeze request time, resource unfreeze request identifier, server identifier, and untransferred resource amount. The untransferred resource amount is the resource amount of the resource corresponding to the resource transfer-out request identifier in the resource account whose freezing time exceeds the freezing timeout period. The resource unfreezing request message is used to instruct the transfer-out management subsystem to unfreeze the frozen resources corresponding to the resource transfer-out request identifier.

[0119] In step S215, a resource unfreezing request message is sent to the transfer-out management subsystem.

[0120] The switching device sends the resource unfreezing request message to the transfer-out management subsystem, so that the transfer-out management subsystem unfreezes the corresponding frozen resources according to the resource unfreezing request information.

[0121] In step S216, a resource unfreezing response message sent by the transfer-out management subsystem is received.

[0122] When the transfer-out management subsystem successfully unfreezes the frozen resource corresponding to the resource transfer-out request identifier, the transfer-out management subsystem generates a resource unfreezing response message and sends it to the switching device. The switching device receives the resource unfreezing response message. The resource unfreezing response message is used to indicate that the frozen resource corresponding to the resource transfer-out request identifier is unfrozen successfully.

[0123] In step S217, a resource unfreezing response message is sent to the server.

[0124] The server is notified through a resource thawing response message that the frozen resource corresponding to the resource transfer request identifier is successfully thawed. The server can send a message to the user terminal indicating that the frozen resource corresponding to the resource transfer request identifier is successfully thawed, so that the user terminal can obtain the status of the resource and display the status of the resource to the user.

[0125] When the freezing time of at least part of the resources in the transferred-out resource account exceeds the freezing timeout time, but the transfer-out management subsystem does not receive the resource unfreezing request message, the transfer-out management subsystem unfreezes the frozen resources on its own.

[0126] In some embodiments, a clearing cycle may also be set. During the clearing time, the switching device may perform clearing according to the outgoing request message and the incoming request message within the clearing cycle to obtain a clearing result. The clearing result is used to indicate the total amount of resource transfer of each management subsystem within the clearing cycle. The switching device sends the clearing result to each management subsystem to enable resource transfer between each management subsystem and realize resource clearing for the management subsystems. The switching device may also generate clearing details information based on the outgoing request message and the incoming request message within the clearing cycle. The clearing details information includes detailed information on each resource transfer. The switching device sends the clearing details information to each management subsystem so that each management subsystem can reconcile resources, facilitate timely discovery and handling of abnormal situations, and realize complete monitoring of the entire business system of resource transfer.

[0127] A second aspect of the present application provides a resource transfer method, which can be applied to a server. Figure 6 This is a flow chart of an embodiment of the resource transfer method provided in the second aspect of the present application. Figure 6 As shown, the resource transfer method may include step S301 and step S302.

[0128] In step S301, a resource transfer request message is sent to a switching device.

[0129] The user can initiate a resource transfer request through the user terminal. In response to the resource transfer request initiated by the user terminal, the server sends a resource transfer request message to the switching device.

[0130] The resource transfer request message may include, but is not limited to, a resource transfer request identifier, transfer-out resource account information, and a first resource transfer amount. The resource transfer request is used to instruct the transfer-out management subsystem to freeze resources of the first resource transfer amount in the transfer-out resource account, and at least part of the frozen resources is unfrozen and transferred to the transfer-in resource account when the transfer-out management subsystem receives the transfer request message.

[0131] In some examples, the resource transfer request message may also include, but is not limited to, one or more of the following: resource transfer request time, server identifier.

[0132] The specific content in step S301 can be found in the relevant description in the above embodiment, which will not be repeated here.

[0133] In step S302, the stored first resource transfer status is updated to a resource transfer-out application status.

[0134] The server records the status of the resources of the first resource transfer amount during the transfer process through the first resource transfer status. The first resource transfer status includes the transfer status of the resources of the first resource transfer amount. In the current situation, an application is made to freeze the resources of the first resource transfer amount in the transferred-out resource account, and the first resource transfer status stored in the server is updated to the resource transfer application status to indicate the current status of the resources of the first resource transfer amount in the transferred-out resource account. The specific form of the resource transfer application status is not limited here. For example, the resource transfer application status can be represented by numbers, letters, Chinese characters or other methods.

[0135] In some examples, the server may also send the updated first resource transfer status to the user terminal, so that the user terminal can display the updated first resource transfer status to the user.

[0136] In an embodiment of the present application, the server sends a resource request message to the switching device. The resource transfer request message includes a resource transfer request identifier, transfer-out resource account information, and a first resource transfer amount. The resource transfer request message can enable the switching device to instruct the transfer-out management subsystem to freeze the resources of the first resource transfer amount corresponding to the resource transfer request identifier in the transfer-out resource account, so that in the case of a subsequent requirement to transfer resources to the transfer-in resource account, at least part of the frozen resources can be unfrozen and transferred to the transfer-in resource account. In the process of realizing resource transfer through the interaction between the server and the switching device, the resources do not pass through the switching device, but are directly transferred between the transfer-out resource account and the transfer-in resource account, thereby reducing the risk of resource transfer. Moreover, in the absence of resource transfer precipitation, the server can monitor the resource transfer process by updating the stored first resource transfer status to ensure that the resource transfer process is controllable.

[0137] For ease of explanation, the process of freezing resources in the transferred resource account through a resource transfer request in the embodiment of the present application is referred to as a resource freezing process. The server can fully monitor the resource freezing process by receiving and sending various functional messages and updating the resource transfer status. Figure 7 A flowchart of another example of the resource transfer method provided in the second aspect of the present application. Figure 7 and Figure 6 The difference is that Figure 7 The resource transfer method shown may further include step S303 and step S304.

[0138] In step S303, a resource transfer-out response message sent by the switching device is received.

[0139] The resource transfer-out response message is used to indicate that the transfer-out management subsystem has successfully frozen the resources of the first resource transfer amount in the transfer-out resource account.

[0140] The specific content of step S303 can be found in the relevant description in the above embodiment, which will not be repeated here.

[0141] In step S304, in response to the resource transfer-out response message, the first resource transfer state is updated to a resource transfer-in state.

[0142] The first resource transfer state is updated to the resource transfer-in state to indicate the current state of the resource of the first resource transfer amount in the transferred-out resource account. The specific form of the resource transfer-in state is not limited here, for example, the resource transfer-in state can be represented by numbers, letters, Chinese characters or other forms.

[0143] In some examples, the server may also send the updated first resource transfer status to the user terminal, so that the user terminal can display the updated first resource transfer status to the user.

[0144] During the resource freezing process, abnormal situations may occur, resulting in the server not receiving the resource transfer response message, the server being unable to send a message to the user terminal to indicate the status of the resource requested for transfer, and the user terminal being unable to obtain the status of the resource requested for transfer, which may lead to information asymmetry between the server, switching equipment, and transfer management subsystem. The above problems can be avoided by monitoring the reception of the resource transfer response message by the server and switching equipment, combined with reversal measures.

[0145] In some examples, if the server does not receive a resource transfer response message within a first preset time period, the server sends a first reversal message to the switching device. The first reversal message is used to instruct the transfer-out management subsystem to perform a freeze reversal. The freeze reversal includes reversing the freeze of the first resource transfer amount in the transfer-out resource account.

[0146] The specific contents of the resource transfer-out response message, the first reversal message and the freeze reversal can be found in the relevant descriptions in the above embodiments, which will not be repeated here.

[0147] When the server does not receive a resource transfer response message within a first preset time period, the server updates the first resource transfer state to a resource transfer timeout state.

[0148] In some examples, the server may also send the updated first resource transfer status to the user terminal, so that the user terminal can display the updated first resource transfer status to the user.

[0149] When the transfer-out management subsystem successfully performs the freeze reversal, the transfer-out management subsystem will send a resource freeze reversal response message to the switching device. The transfer-out management subsystem will send the resource freeze reversal response message to the server. The server receives the resource freeze reversal response message sent by the switching device. The resource freeze reversal response message is used to indicate that the freeze reversal is successful. In response to the resource freeze reversal response message, the server updates the first resource transfer status to a resource transfer failure status. The specific form of the resource transfer failure status is not limited here. For example, the resource transfer timeout status can be represented by numbers, letters, Chinese characters or other methods.

[0150] In some examples, the server may also send the updated first resource transfer status to the user terminal, so that the user terminal can display the updated resource transfer status to the user.

[0151] In some other embodiments, the server, the switching device, the transfer-out management subsystem, and the transfer-in management subsystem may also receive resources. For ease of explanation, the process of unfreezing the frozen resources in the transfer-out resource account and transferring them from the transfer-out resource account to the transfer-in resource account through the resource transfer request message in the embodiment of the present application is referred to as the resource receiving process. The server can fully monitor the resource receiving process by receiving and sending various functional messages, and updating the resource transfer status of the resources transferred from the transfer-out resource account. Figure 8 This is a flowchart of another embodiment of the resource transfer method provided in the first aspect of the present application. Figure 8 and Figure 7 The difference is that Figure 8 The resource transfer method shown may further include steps S305 to S308.

[0152] In step S305, a resource transfer request message is sent to the switching device.

[0153] The user can initiate a resource transfer request through the user terminal. In response to the resource transfer request initiated by the user terminal, the server sends a resource transfer request message to the switching device.

[0154] The resource transfer-in request message may include, but is not limited to, a resource transfer-out request identifier, transfer-out resource account information, transfer-in resource account information, and a second resource transfer amount. The resource transfer-in request message is used to instruct the transfer-out management subsystem to unfreeze resources of the second resource transfer amount in the frozen resources corresponding to the resource transfer-out request identifier, and transfer them to the transfer-in resource account represented by the transfer-in resource account information.

[0155] In some examples, the resource transfer-in request message may also include, but is not limited to, one or more of the following: resource transfer-out request time, server identifier, resource transfer-in request time, and resource transfer-in request identifier.

[0156] The specific content in step S305 can be found in the relevant description in the above embodiment, which will not be repeated here.

[0157] In step S306, the second resource transfer state is updated from the initial state to the resource transfer-in-progress state.

[0158] The second resource transfer state includes a transfer state of resources of a second resource transfer amount. The second resource transfer amount is less than or equal to the first resource transfer amount.

[0159] When the second resource transfer amount is equal to the first resource transfer amount, the second resource transfer state is changed synchronously with the first resource transfer state; correspondingly, both the first resource transfer state and the second resource transfer state are updated to the resource transfer-in-progress state.

[0160] In the case where the second resource transfer amount is less than the first resource transfer amount, the second resource transfer state is independent of the first resource transfer state, that is, the transfer state of the resources of the second resource transfer amount is independent of the transfer state of the resources of the original first resource transfer amount. Before the server sends a resource transfer request message to the switching device, the initial state of the second resource transfer state is the same as the first resource transfer state, specifically, the initial state of the second resource transfer state is a resource pending transfer state. In the case where the server sends a resource transfer request to the switching device, the second resource transfer state is updated from a resource pending transfer state to a resource transfer-in state, and the first resource transfer state remains unchanged and is still a resource pending transfer state.

[0161] The second resource transfer state is updated from the initial state to the resource transfer-in state to indicate the current state of the resource of the second resource transfer amount in the transferred-out resource account. The specific form of the resource transfer-in state is not limited here, for example, the resource transfer-in state can be represented by numbers, letters, Chinese characters or other forms.

[0162] In some examples, the server may also send the updated second resource transfer status to the user terminal, so that the user terminal can display the updated second resource transfer status to the user.

[0163] In step S307, a resource transfer success message sent by the switching device is received.

[0164] The resource transfer success message is used to indicate that the resource transfer of the second resource transfer amount into the resource account is successful.

[0165] The specific content in step S307 can be found in the relevant description in the above embodiment, which will not be repeated here.

[0166] In step S308, in response to the resource transfer success message, the second resource transfer state is updated to a resource transfer success state.

[0167] When the second resource transfer amount is equal to the first resource transfer amount, the second resource transfer state is changed synchronously with the first resource transfer state, that is, the first resource transfer state is also updated to the resource transfer success state. When the second resource transfer amount is less than the first resource transfer amount, the second resource transfer state is independent of the first resource transfer state, the second resource transfer state is updated to the resource transfer success state, and the first resource transfer state remains unchanged, and is still the resource transfer pending state.

[0168] The second resource transfer state is updated to a resource transfer success state to indicate the current state of the resource of the second resource transfer amount in the transferred resource account. The specific form of the resource transfer success state is not limited here, for example, the resource transfer success state can be represented by numbers, letters, Chinese characters or other methods.

[0169] In some examples, the server may also send the updated second resource transfer status to the user terminal, so that the user terminal can display the updated second resource transfer status to the user.

[0170] An abnormal situation may occur during the resource receiving process, causing the server to receive a resource transfer failure message, ie, the resource transfer fails. In order to ensure that the server monitors the resource transfer process completely, the server updates the second resource transfer status accordingly.

[0171] In some examples, a resource transfer failure message sent by a switching device is received. In response to the resource transfer failure message, the second resource transfer state is updated to a resource transfer pending state. The resource transfer failure message is used to indicate that the resource transfer of the second resource transfer amount into the resource account has failed.

[0172] When the second resource transfer amount is equal to the first resource transfer amount, the second resource transfer state is changed synchronously with the first resource transfer state. When the second resource transfer amount is less than the first resource transfer amount, the second resource transfer state is independent of the first resource transfer state, the second resource transfer state is updated to the resource waiting to be transferred in state, and the first resource transfer state remains unchanged, which is still the resource waiting to be transferred in state.

[0173] Updating the second resource transfer status to the resource pending transfer-in status is equivalent to rolling back the second resource transfer status to the previous status, i.e., the resource pending transfer-in status, when the resource transfer fails, to indicate the current status of the resource of the second resource transfer amount in the transfer-out resource account.

[0174] In some examples, the server may also send the updated second resource transfer status to the user terminal, so that the user terminal can display the updated second resource transfer status to the user.

[0175] In some other embodiments, the freezing of frozen resources in the transferred-out resource account may time out, and no user has initiated a resource transfer-in request, so the server does not send a resource transfer-in request message. In this case, it can be considered that the resources to be transferred out have not been received overdue, and the overdue resources can be unfrozen so that these resources can be used in other businesses, thereby improving the flexibility of resource utilization. Fig. 9 This is a flowchart of another embodiment of the resource transfer method provided in the second aspect of the present application. Fig. 9 and Figure 7 The difference is that Fig. 9 The resource transfer method shown may further include step S309 and step S310.

[0176] In step S309, when the freezing time of at least part of the resources in the transferred-out resource account exceeds the freezing timeout time, a resource unfreezing request message is sent to the switching device.

[0177] The resource unfreezing request message may include but is not limited to a resource transfer request identifier and transfer-out resource account information. The resource unfreezing request message is used to instruct the transfer-out management subsystem to unfreeze the frozen resource corresponding to the resource transfer request identifier.

[0178] In some examples, the resource thawing request message may also include, but is not limited to, one or more of the following: resource transfer request time, server identifier, resource thawing request time, resource thawing request identifier, server identifier, and amount of untransferred resources.

[0179] The server sending the resource unfreezing request message to the switching device does not need to be triggered by the user terminal. The triggering of resource processing when the resources to be transferred out are not received after the deadline is not perceived by the user.

[0180] In step S310, the first resource transfer state is updated to a resource transfer timeout state.

[0181] The first resource transfer state is updated to a resource transfer timeout state to indicate the current state of the resource of the first resource transfer amount in the transferred resource account. The specific form of the resource transfer timeout state is not limited here, for example, the resource transfer timeout state can be represented by numbers, letters, Chinese characters or other forms.

[0182] In some examples, the server may also send the updated first resource transfer status to the user terminal, so that the user terminal can display the updated first resource transfer status to the user.

[0183] In the above embodiment, when the first resource transfer amount and the second resource transfer amount are the same, the first resource transfer state and the second resource transfer state can be represented by the same state.

[0184] The following will take the resource transfer of sending and receiving electronic red envelopes as an example to specifically explain the changes in the transfer status of resources stored in the server.

[0185] In some examples, the red envelope sent by user 1 is received by user 2. Correspondingly, the status of the red envelope is a specific implementation of the first resource transfer status and the second resource transfer status in the above embodiment. The red envelope application corresponds to the resource transfer-out application status in the above embodiment; the red envelope to be received corresponds to the resource transfer-in status in the above embodiment; the red envelope sending timeout corresponds to the resource transfer-out timeout status in the above embodiment; the red envelope sending failure corresponds to the resource transfer-out failure status in the above embodiment; the red envelope receiving corresponds to the resource transfer-in status in the above embodiment; the red envelope receiving success corresponds to the resource transfer-in success status in the above embodiment; the red envelope overdue corresponds to the resource transfer timeout status in the above embodiment.

[0186] Fig.10 A schematic diagram of an example of resource transfer state changes provided in an embodiment of the present application. Fig.10 The changes in the resource transfer status, i.e., the status of the red envelope, under various conditions are shown.

[0187] like Fig.10 As shown, when the server receives a red envelope sending request initiated by the user, the status of the red envelope is updated to "red envelope applying".

[0188] When the status of the red envelope is "in application", and the server has not received a resource transfer response message within the first preset time period, and the bank management system of the red envelope sending account has not yet performed a freeze correction, the status of the red envelope is updated from "in application" to "red envelope sending timeout".

[0189] When the status of the red envelope is in the red envelope application, and the server determines that the freezing of funds corresponding to the red envelope in the red envelope sending account fails, the status of the red envelope is updated from in the red envelope application to red envelope sending failure.

[0190] When the status of the red envelope is red envelope sending timeout, and the bank management system of the red envelope sending account succeeds or fails in freezing and reversing, the status of the red envelope is updated from red envelope sending timeout to red envelope sending failure.

[0191] When the status of the red envelope is red envelope sending timeout and the freeze correction timeout, the status of the red envelope remains red envelope sending timeout.

[0192] When the status of the red envelope is "applying for red envelope" and the server receives a resource transfer response message, the status of the red envelope is updated from "applying for red envelope" to "waiting to receive red envelope".

[0193] When the status of the red envelope is "waiting to receive" and the server receives a red envelope receiving request initiated by the user, the status of the red envelope is updated from "waiting to receive" to "receiving".

[0194] When the status of the red envelope is waiting to be received and the server does not receive a red envelope receiving request initiated by the user within the freezing timeout period, the status of the red envelope is updated from waiting to be received to overdue.

[0195] When the status of a red envelope is overdue and the server has not received a message indicating that the funds corresponding to the overdue red envelope have been successfully unfrozen, failed, or timed out, the status of the red envelope remains overdue.

[0196] When the status of the red envelope is "receiving red envelope" and the server receives a message that the resource transfer fails, the status of the red envelope is updated from "receiving red envelope" to "waiting to receive red envelope".

[0197] When the status of the red envelope is "receiving red envelope" and the server receives a message that the resource has been successfully transferred, the status of the red envelope is updated from "receiving red envelope" to "successfully received red envelope".

[0198] It should be noted that the user who receives the red envelope cannot receive the same red envelope repeatedly.

[0199] In other examples, the red envelope sent by user 1 is received by multiple users from user 2 to user N. Correspondingly, the status of the red envelope sent by the user is a specific implementation of the first resource transfer status in the above embodiment, and the status of the red envelope received by the user is a specific implementation of the second resource transfer status in the above embodiment. Red envelope application corresponds to the resource transfer-out application status in the above embodiment; red envelope waiting to be received corresponds to the resource transfer-in status in the above embodiment; red envelope sending timeout corresponds to the resource transfer-out timeout status in the above embodiment; red envelope sending failure corresponds to the resource transfer-out failure status in the above embodiment; red envelope receiving corresponds to the resource transfer-in status in the above embodiment; red envelope successful reception corresponds to the resource transfer-in success status in the above embodiment; red envelope overdue corresponds to the resource transfer timeout status in the above embodiment.

[0200] Fig.11 A schematic diagram of another example of resource transfer state change provided in an embodiment of the present application. Fig.11 The change of resource transfer status, i.e., red envelope status, under various conditions is shown. For ease of explanation, the red envelope sent by user 1 is called a red envelope, and the red envelopes received by users 2 to N are called sub-red envelopes. Among them, the funds corresponding to a sub-red envelope are less than the funds corresponding to the red envelope.

[0201] like Fig.11 As shown, when the server receives a red envelope sending request initiated by the user, the status of the red envelope is updated to "red envelope applying".

[0202] When the status of the red envelope is "in application", and the server has not received a resource transfer response message within the first preset time period, and the bank management system of the red envelope sending account has not yet performed a freeze correction, the status of the red envelope is updated from "in application" to "red envelope sending timeout".

[0203] When the status of the red envelope is in the red envelope application, and the server determines that the freezing of funds corresponding to the red envelope in the red envelope sending account fails, the status of the red envelope is updated from in the red envelope application to red envelope sending failure.

[0204] When the status of the red envelope is red envelope sending timeout, and the bank management system of the red envelope sending account succeeds or fails in freezing and reversing, the status of the red envelope is updated from red envelope sending timeout to red envelope sending failure.

[0205] When the status of the red envelope is red envelope sending timeout and the freeze correction timeout, the status of the red envelope remains red envelope sending timeout.

[0206] When the status of the red envelope is "applying for red envelope" and the server receives a resource transfer response message, the status of the red envelope is updated from "applying for red envelope" to "waiting to receive red envelope".

[0207] When the status of the red envelope is waiting to be received and the server does not receive a red envelope receiving request initiated by the user within the freezing timeout period, the status of the red envelope is updated from waiting to be received to overdue.

[0208] When the status of a red envelope is overdue and the server has not received a message indicating that the funds corresponding to the overdue red envelope have been successfully unfrozen, failed, or timed out, the status of the red envelope remains overdue.

[0209] According to the red envelope receiving request, the red envelope can be split into sub-red envelopes, and the server can update the status of the sub-red envelopes. The sub-red envelope is a part of the red envelope. The status of the red envelope is the red envelope to be received. The status of the sub-red envelopes split from the red envelope is also the red envelope to be received.

[0210] When the status of the sub-red envelope is "waiting to receive" and the server receives a red envelope receiving request initiated by the user, the status of the sub-red envelope is updated from "waiting to receive" to "receiving".

[0211] When the status of the sub-red envelope is "receiving red envelope" and the server receives a message that the resource transfer fails, the status of the sub-red envelope is updated from "receiving red envelope" to "waiting to receive red envelope".

[0212] When the status of the sub-red envelope is receiving red envelope and the server receives a message that the resource has been successfully transferred, the status of the sub-red envelope is updated from receiving red envelope to successfully received red envelope.

[0213] The status of the red envelope can be determined according to the status of the multiple sub-red envelopes. Specifically, when the red envelope status of the multiple sub-red envelopes is the red envelope received successfully status, and the sum of the funds of the multiple sub-red envelopes is equal to the funds of the red envelope, the status of the red envelope is updated to the red envelope received successfully.

[0214] It should be noted that a user who receives a sub-red envelope cannot receive the same sub-red envelope repeatedly.

[0215] The following is an explanation of the resource transfer process between the server, switching equipment, transfer-out management subsystem and transfer-in management subsystem.

[0216] Fig.12 This is a flow chart of an example of a resource transfer process provided in an embodiment of the present application. Fig.12 As shown, the resource transfer process may include steps S401 to S417, which shows the normal process of resource transfer.

[0217] In step S401, the server receives a resource transfer request initiated by a transferor user.

[0218] In step S402, the server sends a resource transfer request message to the switching device in response to the resource transfer request.

[0219] In step S403, the switching device determines the transfer-out management subsystem according to the resource transfer-out request message.

[0220] In step S404, the switching device sends a resource transfer request message to the transfer-out management subsystem.

[0221] In step S405, the transfer-out management subsystem freezes the resources of the first resource transfer amount in the transfer-out resource account in response to the resource transfer-out request information.

[0222] In step S406, the transfer-out management subsystem sends a resource transfer-out response message to the switching device.

[0223] In step S407, the switching device sends a resource transfer-out response message to the server.

[0224] In step S408, the server receives a resource transfer request initiated by the transferee user.

[0225] In step S409, the server sends a resource transfer request message to the switching device in response to the resource transfer request.

[0226] In step S410, the switching device determines a transfer-out management subsystem according to the resource transfer-in request message.

[0227] In step S411, the switching device sends an outgoing payment request message to the outgoing transfer management subsystem.

[0228] In step S412, in response to the outgoing request message, the transfer-out management subsystem unfreezes the resources of the second resource transfer amount in the frozen resources corresponding to the resource transfer-out request identifier and transfers the resources out of the transfer-out resource account.

[0229] In step S413, when the resources are unfrozen and transferred out successfully, the transfer-out management subsystem sends an account-out success response message to the switching device.

[0230] In step S414, the switching device sends an account-in request message to the transfer-in management subsystem in response to the successful account-out response message.

[0231] In step S415, the transfer-in management subsystem transfers the resources transferred out of the transfer-out resource account into the transfer-in resource account in response to the account entry request message.

[0232] In step S416, when the resource is successfully transferred into the resource account, the transfer-in management subsystem sends an account entry success response message to the switching device.

[0233] In step S417, the switching device sends a resource transfer success message to the server in response to the successful account entry response message.

[0234] Fig.13 This is another example of a flow chart of a resource transfer process provided in an embodiment of the present application. Fig.13 As shown, the resource transfer process may include steps S501 to S512. Fig.13 The resource transfer process shown is a process in which resources time out and no user receives resources.

[0235] In step S501, the server receives a resource transfer request initiated by a transferor user.

[0236] In step S502, the server sends a resource transfer request message to the switching device in response to the resource transfer request.

[0237] In step S503, the switching device determines the transfer-out management subsystem according to the resource transfer-out request message.

[0238] In step S504, the switching device sends a resource transfer-out request message to the transfer-out management subsystem.

[0239] In step S505, the transfer-out management subsystem freezes the resources of the first resource transfer amount in the transfer-out resource account in response to the resource transfer-out request information.

[0240] In step S506, the transfer-out management subsystem sends a resource transfer-out response message to the switching device.

[0241] In step S507, the switching device sends a resource transfer-out response message to the server.

[0242] In step S508, when the server does not receive a resource transfer request initiated by the transferee user within the freezing timeout period, the server sends a resource unfreezing request message to the switching device.

[0243] In step S509, the switching device sends a resource unfreezing request message to the transfer-out management subsystem.

[0244] In step S510, the transfer-out management subsystem responds to the resource unfreezing request message and unfreezes the resources whose freezing duration exceeds the freezing timeout duration.

[0245] In step S511, if the unfreezing is successful, the transfer-out management subsystem sends a resource unfreezing response message to the switching device.

[0246] In step S512, the switching device sends a resource unfreezing response message to the server.

[0247] Fig.14 FIG. 1 is another example of a resource transfer process provided in an embodiment of the present application. Fig.14 As shown, the resource transfer process may include steps S601 to S611. Fig.14 The resource transfer process shown is a process in which a freezing exception occurs during the resource transfer process.

[0248] In step S601, the server receives a resource transfer request initiated by a transferor user.

[0249] In step S602, the server sends a resource transfer request message to the switching device in response to the resource transfer request.

[0250] In step S603, the switching device determines the transfer-out management subsystem according to the resource transfer-out request message.

[0251] In step S604, the switching device sends a resource transfer request message to the transfer management subsystem.

[0252] In step S605, the transfer-out management subsystem freezes the resources of the first resource transfer amount in the transfer-out resource account in response to the resource transfer-out request information. The freezing may succeed or fail, which is not limited here.

[0253] In step S606, the transfer-out management subsystem sends a resource transfer-out response message to the switching device.

[0254] In step S607, when the server does not receive a resource transfer-out response message within a first preset time period, the server sends a first reversal message to the switching device.

[0255] In step S608, the switching device sends a resource freezing reversal message to the transfer-out management subsystem in response to the first reversal message.

[0256] In step S609, the transfer-out management subsystem performs freeze reversal in response to the resource freeze reversal message.

[0257] In step S610, when the freezing reversal is successful, the transfer-out management subsystem sends a resource freezing reversal response message to the switching device.

[0258] In step S611, the switching device sends a resource freezing reversal response message to the server.

[0259] Fig.15 FIG. 1 is another example of a resource transfer process provided in an embodiment of the present application. Fig.15 As shown, the resource transfer process may include steps S701 to S716. Fig.15 The resource transfer process shown is a process in which an abnormal payment occurs during the resource transfer process.

[0260] In step S701, the server receives a resource transfer request initiated by a transferor user.

[0261] In step S702, the server sends a resource transfer request message to the switching device in response to the resource transfer request.

[0262] In step S703, the switching device determines the transfer-out management subsystem according to the resource transfer-out request message.

[0263] In step S704, the switching device sends a resource transfer request message to the transfer management subsystem.

[0264] In step S705, the transfer-out management subsystem freezes the resources of the first resource transfer amount in the transfer-out resource account in response to the resource transfer-out request information.

[0265] In step S706, the transfer-out management subsystem sends a resource transfer-out response message to the switching device.

[0266] In step S707, the switching device sends a resource transfer-out response message to the server.

[0267] In step S708, the server receives a resource transfer request initiated by the transferee user.

[0268] In step S709, the server sends a resource transfer request message to the switching device in response to the resource transfer request.

[0269] In step S710, the switching device determines a transfer-out management subsystem according to the resource transfer-in request message.

[0270] In step S711, the switching device sends an outgoing payment request message to the outgoing transfer management subsystem.

[0271] In step S712, in response to the outgoing request message, the transfer-out management subsystem unfreezes the resources of the second resource transfer amount in the frozen resources corresponding to the resource transfer-out request identifier and transfers the resources out of the transfer-out resource account.

[0272] In step S713, when the exchange device does not receive the successful payment response message within the third preset time period, it sends a resource transfer failure message to the server.

[0273] In step S714, the switching device sends an outgoing account reversal message to the transfer-out management subsystem.

[0274] In step S715, the transfer-out management subsystem performs an outbound reversal in response to the outbound reversal message.

[0275] In step S716, when the outgoing account reversal is successful, the transfer-out management subsystem sends an outgoing account reversal response message to the switching device.

[0276] The specific contents of each step in the above resource transfer process can be found in the relevant descriptions in the above embodiments, which will not be repeated here.

[0277] A third aspect of the present application provides a switching device. Fig.16 This is a schematic diagram of the structure of an embodiment of a switching device provided in the third aspect of the present application. Fig.16 As shown, the switching device 800 may include a receiving module 801 , a determining module 802 and a sending module 803 .

[0278] The receiving module 801 may be configured to receive a resource transfer request message sent by a server.

[0279] The resource transfer request message includes a resource transfer request identifier, transfer-out resource account information, and a first resource transfer amount.

[0280] Optionally, the resource transfer request message further includes one or more of the following: resource transfer request time, server identifier.

[0281] The determination module 802 may be used to determine a transfer-out management subsystem according to a resource transfer-out request message.

[0282] The transfer-out management subsystem includes a management subsystem for a transfer-out resource account represented by transfer-out resource account information.

[0283] The sending module 803 may be configured to send a resource transfer-out request message to the transfer-out management subsystem.

[0284] The resource transfer request message is used to instruct the transfer-out management subsystem to freeze the resources of the first resource transfer amount in the transfer-out resource account. When the transfer-out management subsystem receives the outgoing request message, at least part of the frozen resources is unfrozen and transferred to the incoming resource account.

[0285] In an embodiment of the present application, a switching device receives a resource transfer request message sent by a server, and sends a resource transfer request message to a determined transfer management subsystem according to the resource transfer request. The resource transfer request message may include a resource transfer request identifier, transfer-out resource account information, and a first resource transfer amount. The resource transfer request message may instruct the transfer management subsystem to freeze the resources of the first resource transfer amount corresponding to the resource transfer request identifier in the transfer-out resource account, so that in the case of a subsequent requirement to transfer resources to the transfer-in resource account, at least part of the frozen resources will be unfrozen and transferred to the transfer-in resource account. In the process of realizing resource transfer through the switching device, the resources are transferred between the transfer-out resource account and the transfer-in resource account without passing through the switching device, thereby reducing the risk of resource transfer. Moreover, in the absence of resource transfer precipitation, the switching device can also monitor the resource transfer process by receiving and sending resource transfer requests to ensure that the resource transfer process is controllable.

[0286] In some examples, the receiving module 801 may also be used to receive a resource transfer-out response message sent by the transfer-out management subsystem.

[0287] The resource transfer-out response message is used to indicate that the transfer-out management subsystem has successfully frozen the resources of the first resource transfer amount in the transfer-out resource account.

[0288] The sending module 803 may also be used to send a resource transfer-out response message to the server.

[0289] In some examples, the receiving module 801 may also be used to receive a first reversal message sent by the server when the server does not receive a resource transfer response message within a first preset time period.

[0290] The sending module 803 may also be configured to send a resource freezing reversal message to the transfer-out management subsystem in response to the first reversal message.

[0291] The resource freeze reversal message is used to instruct the transfer-out management subsystem to perform freeze reversal. The freeze reversal includes reversing the freeze of the resource of the first resource transfer amount in the transfer-out resource account.

[0292] The receiving module 801 may also be used to receive a resource freeze reversal response message sent by the transfer-out management subsystem. The resource freeze reversal response message is used to indicate that the freeze reversal is successful.

[0293] The sending module 803 may also be used to send a resource freezing reversal response message to the server.

[0294] In some examples, the sending module 803 may also be used to send a resource freeze reversal message to the transfer management subsystem and a resource transfer failure response message to the server if no resource transfer response message is received within a second preset time period.

[0295] The resource freeze reversal message is used to instruct the transfer-out management subsystem to perform freeze reversal. The freeze reversal includes reversing the freeze of the resource of the first resource transfer amount in the transfer-out resource account.

[0296] The receiving module 801 may also be used to receive a resource freezing reversal response message sent by the transfer-out management subsystem.

[0297] The resource freeze reversal response message is used to indicate that the freeze reversal is successful.

[0298] The sending module 803 may also be used to send a resource freezing reversal response message to the server.

[0299] Fig.17 A schematic structural diagram of another embodiment of the switching device provided in the third aspect of the present application. Fig.17 and Fig.16 The difference is that Fig.17 The illustrated switching device may also include an update module 804 .

[0300] The receiving module 801 may also be used to receive a resource transfer request message sent by a server.

[0301] The resource transfer-in request message includes a resource transfer-out request identifier, transfer-out resource account information, transfer-in resource account information and a second resource transfer amount.

[0302] Optionally, the resource transfer-in request message further includes one or more of the following: resource transfer-out request time, server identifier, resource transfer-in request time, and resource transfer-in request identifier.

[0303] The determination module 802 may also be used to determine a transfer-out management subsystem according to a resource transfer-in request message.

[0304] The sending module 803 may also be used to send an outgoing account request message to the outgoing account management subsystem.

[0305] The outgoing request message includes a resource transfer request identifier, transfer-out resource account information, transfer-in resource account information and a second resource transfer amount, and is used to instruct the transfer-out management subsystem to unfreeze the resources of the second resource transfer amount in the frozen resources corresponding to the resource transfer request identifier and transfer them out of the transfer-out resource account.

[0306] Optionally, the outgoing request message further includes one or more of the following: resource outgoing request time, server identifier, resource incoming request time, resource incoming request identifier, and settlement time.

[0307] The updating module 804 may be configured to update the frozen resource quantity corresponding to the resource transfer request identifier in the stored transfer-out resource account.

[0308] In some examples, the receiving module 801 may also be used to receive a successful payment response message sent by the transfer-out management subsystem.

[0309] The successful transfer response message is used to indicate that the unfrozen resources of the second resource transfer amount are successfully transferred out from the transfer-out resource account.

[0310] The sending module 803 may also be used to send an account-in request message to the transfer-in management subsystem in response to the successful account-out response message.

[0311] The transfer-in management subsystem includes a management subsystem of a transfer-in resource account represented by the transfer-in resource account information. The account entry request message includes a resource transfer-out request identifier, transfer-out resource account information, transfer-in resource account information, and a second resource transfer amount, which is used to instruct the transfer-in management subsystem to transfer the resources of the second resource transfer amount transferred from the transfer-out resource account into the transfer-in resource account.

[0312] Optionally, the account entry request message also includes one or more of the following: resource transfer-out request time, server identifier, resource transfer-in request time, resource transfer-in request identifier, and settlement time.

[0313] In some examples, the updating module 804 may also be configured to roll back the frozen resource amount corresponding to the resource transfer request identifier in the stored transfer-out resource account when no payment success response message is received within a third preset time period.

[0314] The sending module 803 may also be used to send a resource transfer-in failure message to the server, and send an out-of-account reversal message to the transfer-out management subsystem.

[0315] The outgoing account reversal message is used to instruct the transfer-out management subsystem to perform an outgoing account reversal, which includes reversing the transfer-out of the resources of the second resource transfer amount from the transfer-out resource account and reversing the unfreezing of the resources of the second resource transfer amount.

[0316] The receiving module 801 may also be used to receive an outgoing account reversal response message sent by the transfer-out management subsystem.

[0317] The outgoing account reversal response message is used to indicate that the outgoing account reversal is successful.

[0318] In some examples, the receiving module 801 may also be used to receive a successful account entry response message sent by the transfer-in management subsystem.

[0319] The successful account entry response message is used to indicate that the second resource transfer amount is successfully transferred into the resource account.

[0320] The sending module 803 may also be configured to send a resource transfer success message to the server in response to a successful account entry response message.

[0321] In some examples, the receiving module 801 may also be used to receive an account entry failure response message sent by the transfer-in management subsystem.

[0322] The account transfer failure response message is used to indicate that the resource transfer of the second resource transfer amount into the resource account fails.

[0323] The updating module 804 may also be configured to roll back the frozen resource amount corresponding to the resource transfer request identifier in the stored transfer-out resource account in response to the account entry failure response message.

[0324] The sending module 803 may also be used to send a resource transfer-in failure message to the server, and send an out-of-account reversal message to the transfer-out management subsystem.

[0325] The outgoing account reversal message is used to instruct the transfer-out management subsystem to perform an outgoing account reversal, which includes reversing the transfer of the second resource transfer amount to the incoming resource account and reversing the unfreezing of the second resource transfer amount.

[0326] The receiving module 801 may also be used to receive an outgoing account reversal response message sent by the transfer-out management subsystem.

[0327] The outgoing account reversal response message is used to indicate that the outgoing account reversal is successful.

[0328] In some examples, the sending module 803 may also be used to send a resource transfer success message to the server and send an account confirmation message to the transfer management subsystem if no account entry success response message is received within a fourth preset time period.

[0329] The account entry confirmation message is used to transfer the resources of the second resource transfer amount to the transfer-in resource account.

[0330] In some examples, the receiving module 801 may also be used to receive a resource unfreezing request message sent by the server when the freezing duration of at least part of the resources in the transferred-out resource account exceeds the freezing timeout duration.

[0331] The resource unfreezing request message includes a resource transfer request identifier and transfer-out resource account information.

[0332] Optionally, the resource thawing request message further includes one or more of the following: resource transfer request time, server identifier, resource thawing request time, resource thawing request identifier, server identifier, and amount of untransferred resources.

[0333] The sending module 803 may also be used to send a resource unfreezing request message to the transfer-out management subsystem.

[0334] The resource unfreezing request message is used to instruct the transfer-out management subsystem to unfreeze the frozen resources corresponding to the resource transfer-out request identifier.

[0335] The receiving module 801 may also be used to receive a resource unfreezing response message sent by the transfer-out management subsystem.

[0336] The resource unfreezing response message is used to indicate that the frozen resources corresponding to the resource transfer-out request identifier are unfrozen successfully.

[0337] The sending module 803 may also be used to send a resource unfreezing response message to the server.

[0338] The fourth aspect of the present application also provides a server. Fig.18 This is a schematic diagram of the structure of an embodiment of a server provided in the fourth aspect of the present application. Fig.18 As shown, the server 900 may include a sending module 901 and a state storage module 902 .

[0339] The sending module 901 may be configured to send a resource transfer-out request message to a switching device.

[0340] The resource transfer request message includes a resource transfer request identifier, transfer-out resource account information and a first resource transfer amount, and is used to instruct the transfer-out management subsystem to freeze the resources of the first resource transfer amount in the transfer-out resource account. At least part of the frozen resources will be unfrozen and transferred to the transfer-in resource account when the transfer-out management subsystem receives the outgoing request message.

[0341] Optionally, the resource transfer request message further includes one or more of the following: resource transfer request time, server identifier.

[0342] The state storage module 902 may be configured to update the stored first resource transfer state to a resource transfer-out application state.

[0343] The first resource transfer status includes a transfer status of a resource of a first resource transfer amount.

[0344] In an embodiment of the present application, the server sends a resource request message to the switching device. The resource transfer request message includes a resource transfer request identifier, transfer-out resource account information, and a first resource transfer amount. The resource transfer request message can enable the switching device to instruct the transfer-out management subsystem to freeze the resources of the first resource transfer amount corresponding to the resource transfer request identifier in the transfer-out resource account, so that in the case of a subsequent requirement to transfer resources to the transfer-in resource account, at least part of the frozen resources can be unfrozen and transferred to the transfer-in resource account. In the process of realizing resource transfer through the interaction between the server and the switching device, the resources do not pass through the switching device, but are directly transferred between the transfer-out resource account and the transfer-in resource account, thereby reducing the risk of resource transfer. Moreover, in the absence of resource transfer precipitation, the server can monitor the resource transfer process by updating the stored first resource transfer status to ensure that the resource transfer process is controllable.

[0345] Fig.19 A schematic diagram of the structure of another embodiment of the server provided in the fourth aspect of the present application. Fig.19 and Fig.18 The difference is that Fig.19 The server 900 shown may further include a receiving module 903 .

[0346] The receiving module 903 may be configured to receive a resource transfer-out response message sent by a switching device.

[0347] The resource transfer-out response message is used to indicate that the transfer-out management subsystem has successfully frozen the resources of the first resource transfer amount in the transfer-out resource account.

[0348] The state storage module 902 may also be configured to update the first resource transfer state to a resource transfer-in state in response to a resource transfer-out response message.

[0349] In some examples, the sending module 901 may also be configured to send a first reversal message to the switching device when no resource transfer-out response message is received within a first preset time period.

[0350] The first reversal message is used to instruct the transfer-out management subsystem to perform a freeze reversal, wherein the freeze reversal includes reversing the freeze of the resource of the first resource transfer amount in the transfer-out resource account.

[0351] The state storage module 902 may also be used to update the first resource transfer state to a resource transfer-out timeout state.

[0352] In some examples, the receiving module 903 may also be used to receive a resource freezing reversal response message sent by a switching device, where the resource freezing reversal response message is used to indicate that the freezing reversal is successful;

[0353] The state storage module 902 may also be configured to update the first resource transfer state to a resource transfer failure state in response to a resource freeze reversal response message.

[0354] In some examples, the sending module 901 may also be used to send a resource transfer request message to a switching device.

[0355] The resource transfer-in request message includes a resource transfer-out request identifier, transfer-out resource account information, transfer-in resource account information and a second resource transfer amount, and is used to instruct the transfer-out management subsystem to unfreeze the resources of the second resource transfer amount in the frozen resources corresponding to the resource transfer-out request identifier, and transfer them to the transfer-in resource account represented by the transfer-in resource account information.

[0356] Optionally, the resource transfer-in request message further includes one or more of the following: resource transfer-out request time, server identifier, resource transfer-in request time, and resource transfer-in request identifier.

[0357] The state storage module 902 may also be used to update the stored second resource transfer state from an initial state to a resource transfer-in-progress state.

[0358] The second resource transfer state includes a transfer state of resources of the second resource transfer amount. The initial state of the second resource transfer state is the same as the first resource transfer state.

[0359] In some examples, the receiving module 903 may also be used to receive a resource transfer success message sent by the switching device, where the resource transfer success message is used to indicate that the resource transfer of the second resource transfer amount into the resource account is successful;

[0360] The state storage module 902 may also be configured to update the second resource transfer state to a resource transfer success state in response to a resource transfer success message.

[0361] In some examples, the receiving module 903 may also be used to receive a resource transfer failure message sent by a switching device.

[0362] The resource transfer failure message is used to indicate that the resource transfer of the second resource transfer amount into the resource account fails.

[0363] The state storage module 902 may also be configured to update the second resource transfer state to a resource pending transfer-in state in response to a resource transfer-in failure message.

[0364] In some examples, the sending module 901 may also be configured to send a resource unfreezing request message to the switching device when the freezing duration of at least part of the resources in the transferred-out resource account exceeds the freezing timeout duration.

[0365] The resource unfreezing request message includes a resource transfer-out request identifier and transfer-out resource account information, and is used to instruct the transfer-out management subsystem to unfreeze the frozen resource corresponding to the resource transfer-out request identifier.

[0366] Optionally, the resource thawing request message further includes one or more of the following: resource transfer request time, server identifier, resource thawing request time, resource thawing request identifier, server identifier, and amount of untransferred resources.

[0367] The state storage module 902 may also be used to update the first resource transfer state to a resource transfer timeout state.

[0368] The fifth aspect of the present application also provides a switching device. Fig. 20 This is a schematic diagram of the structure of an embodiment of a switching device provided in the fifth aspect of the present application. Fig. 20 As shown, the switching device 1000 includes a memory 1001 , a processor 1002 , and a computer program stored in the memory 1001 and executable on the processor 1002 .

[0369] In an example, the processor 1002 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.

[0370] The memory 1001 may include a read-only memory (ROM), a random access memory (RAM), a disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical or other physical / tangible memory storage device. Therefore, generally, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software including computer executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the resource transfer method according to the first aspect of the present application.

[0371] The processor 1002 runs a computer program corresponding to the executable program code by reading the executable program code stored in the memory 1001, so as to implement the resource transfer method of the first aspect in the above embodiment.

[0372] In one example, the switching device 1000 may further include a communication interface 1003 and a bus 1004. Fig. 20 As shown, the memory 1001, the processor 1002, and the communication interface 1003 are connected via a bus 1004 and communicate with each other.

[0373] The communication interface 1003 is mainly used to realize the communication between the modules, devices, units and / or equipment in the embodiment of the present application. The communication interface 1003 can also be used to access input devices and / or output devices.

[0374] The bus 1004 includes hardware, software, or both, coupling the components of the switching device 1000 to each other. By way of example and not limitation, the bus 1004 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hyper Transport (HT) interconnect, an Industrial Standard Architecture (ISA) bus, an InfiniBand interconnect, a Low Pin Count (LPC) bus, a Memory bus, a Micro Channel 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 Bus (VLB) bus, or other suitable buses or a combination of two or more of the above. Where appropriate, the bus 1004 may include one or more buses. Although embodiments of the present application describe and illustrate a particular bus, the present application contemplates any suitable bus or interconnect.

[0375] The sixth aspect of the present application also provides a server. Fig.21 This is a schematic diagram of the structure of an embodiment of a server provided in the sixth aspect of the present application. Fig.21 As shown, the server 1100 includes a memory 1101 , a processor 1102 , and a computer program stored in the memory 1101 and executable on the processor 1102 .

[0376] In an example, the processor 1102 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.

[0377] The memory 1101 may include a read-only memory (ROM), a random access memory (RAM), a disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical or other physical / tangible memory storage device. Therefore, generally, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software including computer executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the resource transfer method according to the second aspect of the present application.

[0378] The processor 1102 runs a computer program corresponding to the executable program code by reading the executable program code stored in the memory 1101, so as to implement the resource transfer method of the second aspect in the above embodiment.

[0379] In one example, the server 1100 may further include a communication interface 1103 and a bus 1104. Fig.21 As shown, the memory 1101, the processor 1102, and the communication interface 1103 are connected via a bus 1104 and communicate with each other.

[0380] The communication interface 1103 is mainly used to realize the communication between the modules, devices, units and / or equipment in the embodiment of the present application. The communication interface 1103 can also be used to access input devices and / or output devices.

[0381] The bus 1104 includes hardware, software, or both, coupling the components of the server 1100 to each other. By way of example and not limitation, the bus 1104 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hyper Transport (HT) interconnect, an Industrial Standard Architecture (ISA) bus, an InfiniBand interconnect, a Low Pin Count (LPC) bus, a Memory bus, a Micro Channel 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 Bus (VLB) bus, or other suitable buses or a combination of two or more of the above. Where appropriate, the bus 1104 may include one or more buses. Although embodiments of the present application describe and illustrate a particular bus, the present application contemplates any suitable bus or interconnect.

[0382] The seventh aspect of the present application further provides a resource transfer system. The resource transfer system may include the server and the switching device in the above embodiment. The specific contents can be found in the relevant descriptions in the above embodiment, which will not be repeated here.

[0383] In some examples, the resource transfer system may also include the transfer-out management subsystem in the above-mentioned embodiment.

[0384] In some examples, the resource transfer system may also include the transfer-in management subsystem in the above-mentioned embodiment.

[0385] The specific contents of the transfer-out management subsystem and the transfer-in management subsystem can be found in the relevant description in the above embodiment, which will not be repeated here.

[0386] The eighth aspect of the present application also provides a computer storage medium, on which a computer program is stored, and when the computer program is executed by a processor, the resource transfer method in the above embodiment can be implemented, and the same technical effect can be achieved. To avoid repetition, it is not repeated here. Among them, the above-mentioned computer storage medium may include a non-transient computer-readable storage medium, such as a read-only memory (Read-Only Memory, referred to as ROM), a random access memory (RandomAccess Memory, referred to as RAM), a disk or an optical disk, etc., which is not limited here.

[0387] It should be clear that each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. For the switching device embodiment, server embodiment, and computer storage medium embodiment, the relevant parts can refer to the description part of the method embodiment. The present application is not limited to the specific steps and structures described above and shown in the figures. Those skilled in the art can make various changes, modifications and additions, or change the order between the steps after understanding the spirit of the present application. In addition, for the sake of brevity, a detailed description of known method technologies is omitted here.

[0388] The above reference is according to the method of the embodiment of the present application, the flow chart of the device (system) and the computer program product and / or the block diagram described various aspects of the present application.It should be understood that each square box in the flow chart and / or the block diagram and the combination of each square box in the flow chart and / or the block diagram can be realized by computer program instructions.These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer or other programmable data processing device to produce a machine so that these instructions executed by the processor of the computer or other programmable data processing device enable the realization of the function / action specified in one or more square boxes of the flow chart and / or the block diagram.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 can also be understood that each square box in the block diagram and / or the flow chart and the combination of the square boxes in the block diagram and / or the flow chart can also be realized by the dedicated hardware that performs the specified function or action, or can be realized by the combination of dedicated hardware and computer instructions.

[0389] Those skilled in the art should understand that the above embodiments are exemplary rather than restrictive. Different technical features appearing in different embodiments can be combined to achieve beneficial effects. Based on the study of the drawings, the specification and the claims, those skilled in the art should be able to understand and implement other variations of the disclosed embodiments. In the claims, the term "comprising" does not exclude other devices or steps; the quantifier "one" does not exclude multiple; the terms "first" and "second" are used to indicate names rather than to indicate any specific order. Any figure marks in the claims should not be understood as limiting the scope of protection. The functions of multiple parts appearing in the claims can be implemented by a single hardware or software module. The appearance of certain technical features in different dependent claims does not mean that these technical features cannot be combined to achieve beneficial effects.

Claims

1. A resource transfer method, characterized in that: Applied to a switching device, the method comprises: Receiving a resource transfer request message sent by a server, wherein the resource transfer request message includes a resource transfer request identifier, transfer-out resource account information, and a first resource transfer amount; Determine a transfer-out management subsystem according to the resource transfer-out request message, wherein the transfer-out management subsystem includes a management subsystem of a transfer-out resource account represented by the transfer-out resource account information; Sending the resource transfer request message to the transfer-out management subsystem, wherein the resource transfer request message is used to instruct the transfer-out management subsystem to freeze the resources of the first resource transfer amount in the transfer-out resource account, but not to transfer the frozen resources out of the transfer-out resource account, and at least part of the frozen resources is unfrozen and transferred to the transfer-in resource account when the transfer-out management subsystem receives the outgoing request message; The transfer-out resource account belongs to the first type of account, and the transfer-in resource account belongs to the second type of account; the server is the background server of the application program used by the transferor and the transferee to transfer resources; the switching device serves as a control device for the resource transfer process between the server and the transfer-out management subsystem and the transfer-in management subsystem, and the resources are not deposited in the switching device; Also includes: receiving a resource transfer-out response message sent by the transfer-out management subsystem, wherein the resource transfer-out response message is used to indicate that the transfer-out management subsystem has successfully frozen the resources of the first resource transfer amount in the transfer-out resource account; Sending the resource transfer-out response message to the server; Also includes: Receiving a resource transfer-in request message sent by the server, wherein the resource transfer-in request message includes the resource transfer-out request identifier, the transfer-out resource account information, the transfer-in resource account information, and a second resource transfer amount; Determining the transfer-out management subsystem according to the resource transfer-in request message; Sending an outgoing account request message to the outgoing account management subsystem, wherein the outgoing account request message includes the resource outgoing account identifier, the outgoing resource account information, the incoming resource account information, and the second resource transfer amount, and is used to instruct the outgoing account management subsystem to unfreeze the resources of the second resource transfer amount in the frozen resources corresponding to the resource outgoing account identifier and transfer them out of the outgoing resource account; Updating the frozen resource amount corresponding to the resource transfer request identifier in the stored transfer-out resource account; Also includes: receiving a successful payment response message sent by the transfer-out management subsystem, wherein the successful payment response message is used to indicate that the unfrozen resources of the second resource transfer amount are successfully transferred out from the transfer-out resource account; In response to the successful payment response message, sending an account entry request message to the transfer-in management subsystem, the transfer-in management subsystem including the management subsystem of the transfer-in resource account represented by the transfer-in resource account information, the account entry request message including the resource transfer-out request identifier, the transfer-out resource account information, the transfer-in resource account information and the second resource transfer amount, for instructing the transfer-in management subsystem to transfer the resources of the second resource transfer amount transferred out of the transfer-out resource account into the transfer-in resource account; Also includes: receiving a successful account entry response message sent by the transfer-in management subsystem, wherein the successful account entry response message is used to indicate that the resources of the second resource transfer amount are successfully transferred into the transfer-in resource account; In response to the successful account entry response message, a resource transfer success message is sent to the server.

2. The method according to claim 1, characterized in that Also includes: Receiving a first reversal message sent by the server due to failure to receive the resource transfer-out response message within a first preset time period; In response to the first reversal message, sending a resource freeze reversal message to the transfer-out management subsystem, wherein the resource freeze reversal message is used to instruct the transfer-out management subsystem to perform a freeze reversal, wherein the freeze reversal includes reversing the freeze of the resources of the first resource transfer amount in the transfer-out resource account; receiving a resource freezing reversal response message sent by the transfer-out management subsystem, wherein the resource freezing reversal response message is used to indicate that the freezing reversal is successful; Sending the resource freeze reversal response message to the server.

3. The method according to claim 1, characterized in that Also includes: In the case where the resource transfer-out response message is not received within the second preset time period, a resource freeze reversal message is sent to the transfer-out management subsystem, and a resource transfer-out failure response message is sent to the server, wherein the resource freeze reversal message is used to instruct the transfer-out management subsystem to perform freeze reversal, and the freeze reversal includes reversing the freeze of the resources of the first resource transfer amount in the transfer-out resource account; receiving a resource freezing reversal response message sent by the transfer-out management subsystem, wherein the resource freezing reversal response message is used to indicate that the freezing reversal is successful; Sending the resource freeze reversal response message to the server.

4. The method according to claim 1, characterized in that: Also includes: If the payment success response message is not received within a third preset time period, the frozen resource amount corresponding to the resource transfer request identifier in the stored transfer-out resource account is rolled back; Sending a resource transfer-in failure message to the server, and sending an out-bill reversal message to the out-bill management subsystem, wherein the out-bill reversal message is used to instruct the out-bill management subsystem to perform an out-bill reversal, wherein the out-bill reversal includes reversing the transfer-out of the resources of the second resource transfer amount from the out-bill resource account, and reversing the unfreezing of the resources of the second resource transfer amount; Receive an outgoing account reversal response message sent by the transfer-out management subsystem, wherein the outgoing account reversal response message is used to indicate that the outgoing account reversal is successful.

5. The method according to claim 1, characterized in that Also includes: receiving an account entry failure response message sent by the transfer-in management subsystem, wherein the account entry failure response message is used to indicate that the resource transfer of the second resource transfer amount into the transfer-in resource account fails; In response to the account entry failure response message, rolling back the frozen resource amount corresponding to the resource transfer request identifier in the stored transfer-out resource account; Sending a resource transfer-in failure message to the server, and sending an out-bill reversal message to the out-bill management subsystem, wherein the out-bill reversal message is used to instruct the out-bill management subsystem to perform an out-bill reversal, wherein the out-bill reversal includes reversing the transfer of resources of the second resource transfer amount to the transfer-in resource account, and reversing the unfreezing of resources of the second resource transfer amount; Receive an outgoing account reversal response message sent by the transfer-out management subsystem, wherein the outgoing account reversal response message is used to indicate that the outgoing account reversal is successful.

6. The method according to claim 1, characterized in that Also includes: If the successful account entry response message is not received within the fourth preset time period, a resource transfer success message is sent to the server, and an account entry confirmation message is sent to the transfer management subsystem, and the account entry confirmation message is used to transfer the resources of the second resource transfer amount to the transferred resource account.

7. The method according to claim 1, characterized in that Also includes: Receiving a resource unfreezing request message sent by the server when the freezing duration of at least part of the resources in the transfer-out resource account exceeds the freezing timeout duration, the resource unfreezing request message including the resource transfer-out request identifier and the transfer-out resource account information; Sending the resource unfreezing request message to the transfer-out management subsystem, wherein the resource unfreezing request message is used to instruct the transfer-out management subsystem to unfreeze the frozen resources corresponding to the resource transfer-out request identifier; receiving a resource thawing response message sent by the transfer-out management subsystem, wherein the resource thawing response message is used to indicate that the frozen resource corresponding to the resource transfer-out request identifier is successfully thawed; Sending the resource unfreezing response message to the server.

8. The method according to claim 1, characterized in that The resource transfer request message also includes one or more of the following: resource transfer request time, server identifier.

9. The method according to claim 1, characterized in that: The resource transfer-in request message also includes one or more of the following: resource transfer-out request time, server identifier, resource transfer-in request time, resource transfer-in request identifier; The outgoing request message further includes one or more of the following: the resource outgoing request time, the server identifier, the resource incoming request time, the resource incoming request identifier, and the settlement time.

10. The method according to claim 1, characterized in that The account entry request message may further include one or more of the following: resource transfer-out request time, server identifier, resource transfer-in request time, resource transfer-in request identifier, and settlement time.

11. The method according to claim 1, characterized in that: The resource thawing request message may further include one or more of the following: resource transfer request time, server identifier, resource thawing request time, resource thawing request identifier, and untransferred resource quantity.

12. A resource transfer method, characterized in that: Applied to a server, the method comprises: A resource transfer request message is sent to a switching device, wherein the resource transfer request message includes a resource transfer request identifier, transfer-out resource account information, and a first resource transfer amount, and is used to instruct the transfer-out management subsystem to freeze the resources of the first resource transfer amount in the transfer-out resource account, but not to transfer the frozen resources out of the transfer-out resource account, and at least part of the frozen resources are unfrozen and transferred to the transfer-in resource account when the transfer-out management subsystem receives the outgoing account request message; the server is a background server of an application program used by the transferor and the transferee to transfer resources; the switching device serves as a control device for the resource transfer process between the server and the transfer-out management subsystem and the transfer-in management subsystem, and the resources are not deposited in the switching device; Updating the stored first resource transfer status to a resource transfer-out application status, wherein the first resource transfer status includes a transfer status of a resource of the first resource transfer amount; Also includes: receiving a resource transfer-out response message sent by the switching device, wherein the resource transfer-out response message is used to indicate that the transfer-out management subsystem has successfully frozen the resources of the first resource transfer amount in the transfer-out resource account; In response to the resource transfer-out response message, updating the first resource transfer state to a resource transfer-in state; Also includes: Sending a resource transfer-in request message to the switching device, wherein the resource transfer-in request message includes the resource transfer-out request identifier, the transfer-out resource account information, the transfer-in resource account information, and the second resource transfer amount, and is used to instruct the transfer-out management subsystem to unfreeze the resources of the second resource transfer amount in the frozen resources corresponding to the resource transfer-out request identifier, and transfer them to the transfer-in resource account represented by the transfer-in resource account information; updating the stored second resource transfer state from an initial state to a resource transfer-in-progress state, wherein the second resource transfer state includes a transfer state of resources of the second resource transfer amount, and an initial state of the second resource transfer state is the same as the first resource transfer state; Also includes: receiving a resource transfer success message sent by the switching device, wherein the resource transfer success message is used to indicate that the resource of the second resource transfer amount is successfully transferred into the transfer-in resource account; In response to the resource transfer success message, the second resource transfer status is updated to a resource transfer success status.

13. The method according to claim 12, characterized in that Also includes: In the case where the resource transfer-out response message is not received within a first preset time period, a first reversal message is sent to the switching device, wherein the first reversal message is used to instruct the transfer-out management subsystem to perform a freezing reversal, wherein the freezing reversal includes reversing the freezing of the resources of the first resource transfer amount in the transfer-out resource account; The first resource transfer state is updated to a resource transfer-out timeout state.

14. The method according to claim 13, characterized in that Also includes: receiving a resource freezing reversal response message sent by the switching device, wherein the resource freezing reversal response message is used to indicate that the freezing reversal is successful; In response to the resource freeze reversal response message, the first resource transfer status is updated to a resource transfer-out failure status.

15. The method according to claim 12, characterized in that Also includes: receiving a resource transfer failure message sent by the switching device, wherein the resource transfer failure message is used to indicate that the resource transfer of the second resource transfer amount into the transfer-in resource account fails; In response to the resource transfer-in failure message, the second resource transfer state is updated to a resource transfer-in pending state.

16. The method according to claim 12, characterized in that Also includes: In the case that the freezing time of at least part of the resources in the transfer-out resource account exceeds the freezing timeout time, sending a resource unfreezing request message to the switching device, wherein the resource unfreezing request message includes the resource transfer-out request identifier and the transfer-out resource account information, and is used to instruct the transfer-out management subsystem to unfreeze the frozen resources corresponding to the resource transfer-out request identifier; The first resource transfer state is updated to a resource transfer timeout state.

17. The method according to claim 12, characterized in that The resource transfer request message also includes one or more of the following: resource transfer request time, server identifier.

18. The method according to claim 12, characterized in that The resource transfer-in request message also includes one or more of the following: resource transfer-out request time, server identifier, resource transfer-in request time, and resource transfer-in request identifier.

19. The method according to claim 16, characterized in that The resource thawing request message may further include one or more of the following: resource transfer request time, server identifier, resource thawing request time, resource thawing request identifier, and untransferred resource quantity.

20. A switching device, characterized in that: include: A receiving module, configured to receive a resource transfer request message sent by a server, wherein the resource transfer request message includes a resource transfer request identifier, transfer resource account information, and a first resource transfer amount; A determination module, configured to determine a transfer-out management subsystem according to the resource transfer-out request message, wherein the transfer-out management subsystem includes a management subsystem of a transfer-out resource account represented by the transfer-out resource account information; a sending module, configured to send the resource transfer request message to the transfer-out management subsystem, wherein the resource transfer request message is used to instruct the transfer-out management subsystem to freeze the resources of the first resource transfer amount in the transfer-out resource account, but not to transfer the frozen resources out of the transfer-out resource account, and at least part of the frozen resources is unfrozen and transferred to the transfer-in resource account when the transfer-out management subsystem receives the outgoing request message; The server is the background server of the application program used by the transferor and the transferee to transfer resources; the switching device is used as a control device for the resource transfer process between the server and the transfer-out management subsystem and the transfer-in management subsystem, and the resources are not deposited in the switching device; The receiving module is further used to receive a resource transfer-out response message sent by the transfer-out management subsystem, wherein the resource transfer-out response message is used to indicate that the transfer-out management subsystem has successfully frozen the resources of the first resource transfer amount in the transfer-out resource account; The sending module is further used to send the resource transfer-out response message to the server; The receiving module is further configured to receive a resource transfer-in request message sent by the server, wherein the resource transfer-in request message includes the resource transfer-out request identifier, the transfer-out resource account information, the transfer-in resource account information, and the second resource transfer amount; The determination module is further used to determine the transfer-out management subsystem according to the resource transfer-in request message; The sending module is further used to send an outgoing account request message to the outgoing account management subsystem, wherein the outgoing account request message includes the resource outgoing account identifier, the outgoing resource account information, the incoming resource account information and the second resource transfer amount, and is used to instruct the outgoing account management subsystem to unfreeze the resources of the second resource transfer amount in the frozen resources corresponding to the resource outgoing account identifier and transfer them out of the outgoing resource account; The switching device further includes: an update module, The updating module is used to update the frozen resource amount corresponding to the resource transfer request identifier stored in the transfer-out resource account; The receiving module is further used to receive a successful payment response message sent by the transfer-out management subsystem, wherein the successful payment response message is used to indicate that the unfrozen resources of the second resource transfer amount are successfully transferred out from the transfer-out resource account; The sending module is further configured to send an account entry request message to the transfer-in management subsystem in response to the successful account-out response message, wherein the transfer-in management subsystem includes a management subsystem of the transfer-in resource account represented by the transfer-in resource account information, and the account entry request message includes the resource transfer-out request identifier, the transfer-out resource account information, the transfer-in resource account information, and the second resource transfer amount, and is configured to instruct the transfer-in management subsystem to transfer the resources of the second resource transfer amount transferred out of the transfer-out resource account into the transfer-in resource account; The receiving module is further used to receive a successful account entry response message sent by the transfer-in management subsystem, wherein the successful account entry response message is used to indicate that the resources of the second resource transfer amount are successfully transferred into the transfer-in resource account; The sending module is further configured to send a resource transfer success message to the server in response to the account entry success response message.

21. A server, characterized in that: include: a sending module, configured to send a resource transfer request message to a switching device, wherein the resource transfer request message includes a resource transfer request identifier, transfer-out resource account information, and a first resource transfer amount, and is configured to instruct a transfer-out management subsystem to freeze resources of the first resource transfer amount in the transfer-out resource account, but not to transfer the frozen resources out of the transfer-out resource account, and at least part of the frozen resources is unfrozen and transferred to the transfer-in resource account when the transfer-out management subsystem receives the transfer-out request message; A state storage module is used to update the stored first resource transfer state to a resource transfer application state, wherein the first resource transfer state includes the transfer state of the resource of the first resource transfer amount; the server is a background server of an application program used by the transferor and the transferee to transfer resources; the switching device is used as a control device for the resource transfer process between the server and the transfer-out management subsystem and the transfer-in management subsystem, and the resource is not deposited in the switching device; The server further includes: a receiving module, The receiving module is further used to receive a resource transfer-out response message sent by the switching device, wherein the resource transfer-out response message is used to indicate that the transfer-out management subsystem has successfully frozen the resources of the first resource transfer amount in the transfer-out resource account; The state storage module is further used to update the first resource transfer state to a resource transfer-in state in response to the resource transfer-out response message; The sending module is further used to send a resource transfer-in request message to the switching device, wherein the resource transfer-in request message includes the resource transfer-out request identifier, the transfer-out resource account information, the transfer-in resource account information, and the second resource transfer amount, and is used to instruct the transfer-out management subsystem to unfreeze the resources of the second resource transfer amount in the frozen resources corresponding to the resource transfer-out request identifier, and transfer them to the transfer-in resource account represented by the transfer-in resource account information; The state storage module is further used to update the stored second resource transfer state from an initial state to a resource transfer-in-progress state, wherein the second resource transfer state includes a transfer state of resources of the second resource transfer amount, and an initial state of the second resource transfer state is the same as the first resource transfer state; The receiving module is further used to receive a resource transfer success message sent by the switching device, wherein the resource transfer success message is used to indicate that the resource of the second resource transfer amount is successfully transferred into the transfer-in resource account; The state storage module is further configured to update the second resource transfer state to a resource transfer success state in response to the resource transfer success message.

22. A switching device, characterized in that: include: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the resource transfer method according to any one of claims 1 to 11 is implemented.

23. A server, characterized in that: include: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the resource transfer method according to any one of claims 12 to 19 is implemented.

24. A resource transfer system, characterized in that: Includes the switching device as claimed in claim 22 and the server as claimed in claim 23.

25. A computer storage medium, characterized in that The computer storage medium stores computer program instructions, and when the computer program instructions are executed by a processor, the resource transfer method according to any one of claims 1 to 19 is implemented.

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