A resource processing method, apparatus, server, and storage medium

Abstract

An embodiment of the present invention discloses a resource processing method, device, server, and storage medium. The method includes: obtaining a transfer rule of electronic resources, where the transfer rule is used to indicate the transfer of electronic resources between a first terminal and a second terminal, and the transfer rule is negotiated and signed by the first terminal and the second terminal; performing signature verification on the transfer rule; if the signature verification of the transfer rule is successful, then according to the indication of the transfer rule, opening a first resource account in the first terminal and opening a second resource account in the second terminal; and transferring electronic resources between the first resource account and the second resource account according to the indication of the transfer rule, which can effectively guarantee the security of electronic resources during the transfer process.

Description

[0001] This application is a divisional application of the Chinese patent application with the application number 2020109444164 and the application title "A Resource Processing Method, Device, Server and Storage Medium" filed with the Chinese Patent Office on September 9, 2020. The entire content is incorporated herein by reference. Technical Field

[0002] This application relates to the field of computer technology, and in particular, to a resource processing method, device, server and storage medium. Background Art

[0003] When transferring electronic resources currently, the transfer rules of electronic resources are usually determined offline first, and then based on the transfer rules determined offline, the corresponding object operates the transfer of electronic resources. For example, based on oral or written agreements between objects, the corresponding object conducts the transfer of electronic resources. When determining the transfer rules of electronic resources based on the offline agreements of users, due to the lack of supervision, there are various resource transfer problems such as a large number of temporary retractions or failure to fulfill the transfer rules in a timely manner. This makes the transfer rules negotiated offline between different objects, and the corresponding objects themselves conduct the transfer operations of electronic resources. When transferring electronic resources, there are many resource transfer problems, resulting in transfer disputes of electronic resources. Therefore, how to effectively avoid resource transfer problems when transferring electronic resources and ensure the security during the transfer of electronic resources has become a current research hotspot. Summary of the Invention

[0004] Embodiments of the present invention provide a resource processing method, device, server and storage medium, which can effectively avoid resource transfer problems when transferring electronic resources, thereby effectively ensuring the security of electronic resources during the transfer process.

[0005] On the one hand, embodiments of the present invention provide a resource processing method, including:

[0006] Obtain the transfer rules of electronic resources, where the transfer rules are used to indicate the transfer of electronic resources between a first terminal and a second terminal, and the transfer rules are negotiated and signed by the first terminal and the second terminal;

[0007] Perform signature verification on the transfer rules;

[0008] If the signature verification of the transfer rules is successful, then according to the indication of the transfer rules, open a first resource account in the first terminal and open a second resource account in the second terminal; and

[0009] Transfer electronic resources between the first resource account and the second resource account according to the indication of the transfer rules.

[0010] On the other hand, an embodiment of the present invention provides a resource processing apparatus, including:

[0011] An obtaining unit, configured to obtain a transfer rule of electronic resources, where the transfer rule is used to indicate the transfer of electronic resources between a first terminal and a second terminal, and the transfer rule is negotiated and signed by the first terminal and the second terminal;

[0012] A verification unit, configured to perform signature verification on the transfer rule;

[0013] An activation unit, configured to, if the signature verification of the transfer rule is successful, activate a first resource account in the first terminal and activate a second resource account in the second terminal according to the indication of the transfer rule; and

[0014] A transfer unit, configured to transfer electronic resources between the first resource account and the second resource account according to the indication of the transfer rule.

[0015] On the other hand, an embodiment of the present invention provides a server, including a processor, an input device, an output device, and a memory, where the processor, the input device, the output device, and the memory are interconnected. Among them, the memory is used to store a computer program for supporting the terminal to execute the above method, the computer program includes program instructions, and the processor is configured to call the program instructions to execute the following steps:

[0016] Obtain a transfer rule of electronic resources, where the transfer rule is used to indicate the transfer of electronic resources between a first terminal and a second terminal, and the transfer rule is negotiated and signed by the first terminal and the second terminal;

[0017] Perform signature verification on the transfer rule;

[0018] If the signature verification of the transfer rule is successful, activate a first resource account in the first terminal and activate a second resource account in the second terminal according to the indication of the transfer rule; and

[0019] Transfer electronic resources between the first resource account and the second resource account according to the indication of the transfer rule.

[0020] On the other hand, an embodiment of the present invention provides a computer-readable storage medium, where program instructions are stored in the computer-readable storage medium, and when the program instructions are executed by a processor, they are used to execute the resource processing method as described in the first aspect.

[0021] In an embodiment of the present invention, after the server obtains the transfer rule for electronic resources negotiated and signed by the first terminal and the second terminal, the server can perform signature verification on the transfer rule. When the signature verification passes, the server determines that the obtained transfer rule is the rule confirmed by the first terminal and the second terminal, and further, according to the indication of the transfer rule, opens a first resource account in the first terminal and a second resource account in the second terminal. Thus, the server can transfer electronic resources between the first resource account and the second resource account according to the indication of the transfer rule, enabling the server to control the electronic resources in the first resource account and the second resource account, effectively improving the security of the transfer of electronic resources in the first resource account and the second resource account. The automatic transfer process of electronic resources based on the transfer rule can improve the transfer efficiency when the first resource account and the second resource account transfer electronic resources. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the following will briefly introduce the accompanying drawings required for the description of the embodiments. Obviously, the accompanying drawings in the following description are some embodiments of the present invention.

[0023] Figure 1 is a schematic diagram of a resource processing system provided by an embodiment of the present invention;

[0024] Figure 2 is a schematic flowchart of a resource processing method provided by an embodiment of the present invention;

[0025] Figure 3 is a schematic diagram of generating a resource account provided by an embodiment of the present invention;

[0026] Figure 4 is a schematic flowchart of a resource processing method provided by an embodiment of the present invention;

[0027] Figure 5 is a schematic block diagram of a resource processing device provided by an embodiment of the present invention;

[0028] Figure 6 is a schematic block diagram of a server provided by an embodiment of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0029] An embodiment of the present invention provides a resource processing method. The server can respectively open a first resource account for the first terminal and a second resource account for the second terminal based on the transfer rules for electronic resources negotiated between the first terminal and the second terminal. Thus, the first resource account opened for the first terminal and the second resource account opened for the second terminal can automatically transfer electronic resources based on the transfer rules, effectively improving the security when transferring electronic resources between the first resource account and the second resource account. In one embodiment, the resource processing method can be applied to a resource processing system as shown in Figure 1 The resource processing system includes a first terminal 10, a second terminal 11, and a server 12. Among them, the first terminal 10, the second terminal 11, and the server 12 can respectively establish communication connections through a communication network as shown in Figure 1 The first terminal 10 can be a terminal waiting to obtain electronic resources, and the second terminal 11 can be a terminal that distributes electronic resources to the first terminal 10. Or, the second terminal 11 can be a terminal waiting to obtain electronic resources, and the first terminal 10 can be a terminal that distributes electronic resources to the first terminal 10. In the embodiment of the present invention, when the first terminal 10 is a terminal waiting to obtain electronic resources and the second terminal 11 is a terminal for distributing electronic resources, the corresponding resource processing method is described in detail. The situation when the first terminal 10 is a terminal for distributing electronic resources and the second terminal 11 is a terminal waiting to obtain electronic resources can be referred to the embodiment of the present invention.

[0030] In one embodiment, the first terminal 10 and the second terminal 11 respectively register an application program (Application, APP) supported by the server 12 to establish communication connections with the server 12 respectively. Among them, the server 12 is a platform for supporting the operation of the application program, and the application program can be a wallet App.

[0031] In one embodiment, after the first terminal 10 and the second terminal 11 respectively establish communication connections with the server 12, when the first terminal 10 and the second terminal 11 transfer electronic resources based on the transfer rules for electronic resources, the following steps can be executed:

[0032] 1. The server 12 obtains the object information uploaded by the object corresponding to the first terminal 10;

[0033] 2. Perform hierarchical processing on the object information to judge the information level of the object information corresponding to the first terminal 10. Among them, only objects with an information level higher than the level threshold can trigger the execution of the transfer rules for electronic resources;

[0034] 3. If the information level of the object information corresponding to the first terminal 10 is higher than the level threshold, the server 12 can obtain the transfer rule for the electronic resources negotiated and signed by the object corresponding to the first terminal 10 and the object corresponding to the second terminal 11. The transfer rule is generated based on the initial transfer rule negotiated between the first terminal 10 and the second terminal 11 and after signing and confirming the initial transfer rule. It can be understood that both the transfer rule and the initial transfer rule include: the target electronic resource amount agreed between the object corresponding to the first terminal 10 and the object corresponding to the second terminal 11, the interest rate, and the holding time (or return time) of the electronic resources of the target electronic resource amount obtained by the first terminal 10 from the second terminal 11, etc. It can be understood that the transfer rule is the transfer rule after adding the signature information of the first terminal 10 and the signature information of the second terminal 11 on the basis of the initial transfer rule.

[0035] In one embodiment, after obtaining the transfer rule, the server 12 can further generate a dedicated account in each of the first terminal 10 and the second terminal 11. Among them, the dedicated account generated in the first terminal 10 can be the first resource account, and the dedicated account generated in the second terminal 11 can be the second resource account. In one embodiment, the dedicated accounts generated in the first terminal 10 and the second terminal 11 are used to carry the transfer rule for the electronic resources. It can be understood that the account functions of the resource accounts opened by the server for different functional terminals (such as the first terminal 10 and the second terminal 11) based on the transfer rule are different. Among them, if the first terminal 10 is a terminal waiting to obtain electronic resources and the second terminal 11 is a terminal that distributes electronic resources to the first terminal 10, the first resource account generated for the first terminal 10 only supports functions such as transfer and query, while the second resource account generated for the second terminal 11 can support the function of transferring electronic resources.

[0036] 4. When the holding time of the electronic resources obtained by the first terminal 10 from the second terminal 11 indicated by the transfer rule arrives, the server 12 will trigger the second resource account generated in the second terminal 11 to actively obtain the electronic resources from the first resource account generated in the first terminal 10, or the server 12 can trigger the first resource account generated in the first terminal 10 to actively send the electronic resources to the second resource account generated in the second terminal 11.

[0037] 5. If the total amount of electronic resources included in the first resource account of the first terminal 10 is less than the target electronic resource amount obtained by the first terminal 10 from the second terminal 11, since the first terminal 10 authorizes the second terminal 11 to transfer the electronic resources to the main account of the first terminal 10, the second terminal 11 can obtain the electronic resources from the main account of the first terminal 10.

[0038] 6. If the second terminal 11 fails to obtain electronic resources from the main account of the first terminal 10, the objects corresponding to the first terminal 10 and the second terminal 11 enter a negotiation period, which includes negotiating the time for the first terminal 10 to transfer electronic resources to the second terminal 11 and negotiating to re-determine the amount of electronic resources that the first terminal 10 needs to transfer to the second terminal 11. If the negotiation fails, the server 12 reduces the credit rating of the object corresponding to the first terminal 10.

[0039] 7. If the credit rating of the object corresponding to the first terminal 10 is relatively low, when the server 12 subsequently receives a request for electronic resource transfer initiated by the object corresponding to the first terminal 10, it can reject the request and remind the objects corresponding to other terminals that the credit rating of the object corresponding to the first terminal 10 is relatively low.

[0040] In one embodiment, after obtaining the transfer rule for electronic resources, the server 12 can perform a signature verification on the obtained transfer rule, so that the server 12 can confirm that the first terminal 10 and the second terminal 11 have respectively confirmed the negotiated initial transfer rule. Further, after the signature verification of the obtained transfer rule is successful, the server can determine that the first terminal 10 and the second terminal 11 have respectively confirmed the negotiated initial transfer rule, and then respectively open corresponding resource accounts for the first terminal 10 and the second terminal 11. The resource accounts opened for the first terminal 10 and the second terminal 11 are opened based on the transfer rule, so that the electronic resource transfer between the first terminal 10 and the second terminal 11 can be automatically triggered and executed in the resource accounts opened for the first terminal 10 and the second terminal 11 respectively, which can effectively ensure the security when the first terminal 10 and the second terminal 11 perform electronic resource transfer.

[0041] Please refer to Figure 2 , which is a schematic flowchart of a resource processing method proposed by an embodiment of the present invention. The resource processing method can be executed by the above-mentioned server, as Figure 2 shown, the method may include:

[0042] S201. Obtain a transfer rule for electronic resources, where the transfer rule is used to indicate the transfer of electronic resources between a first terminal and a second terminal, and the transfer rule is negotiated and signed by the first terminal and the second terminal.

[0043] In one embodiment, the transfer rule of the electronic resources obtained by the server is generated through negotiation and signature by the first terminal and the second terminal. When negotiating and signing to generate the transfer rule, the first terminal may first set the transfer conditions in the transfer rule, and then the first terminal signs and confirms the transfer rule with the set transfer conditions (i.e., the above-mentioned initial transfer rule) and sends it to the second terminal. After receiving the transfer rule with the set transfer conditions from the first terminal, if the second terminal confirms that the transfer conditions in the set transfer rule are consistent with the negotiation, it can further sign and confirm the transfer rule, and then send the transfer rule confirmed twice to the server, so that the server obtains the transfer rule confirmed by the first terminal and the second terminal respectively. Alternatively, the initial transfer rule may also be first set by the second terminal, and after being signed and confirmed, it is sent to the first terminal for signature confirmation. The server can then obtain the transfer rule from the first terminal after the first terminal signs and confirms it. In one embodiment, the initial transfer rule may also be first set by the server, distributed to the first terminal and the second terminal respectively, and after the first terminal and the second terminal respectively sign and confirm the transfer rule, the transfer rule is obtained from the first terminal and the second terminal respectively.

[0044] Among them, the transfer conditions included in the transfer rule may be pre-negotiated and determined by the object corresponding to the first terminal and the object corresponding to the second terminal. The transfer conditions included in the transfer rule may include the time to trigger the transfer of electronic resources, the quantity of the electronic resources to be transferred, etc. It can be understood that the transfer rule may be generated based on the transfer conditions. When generating the transfer rule based on the transfer conditions, the object information of the corresponding objects negotiated and agreed upon may also be added on the basis of the transfer conditions, such as the object information of the object corresponding to the first terminal as mentioned above, and the object information of the second object corresponding to the object. Among them, the object information may be the terminal identifier of the terminal corresponding to the corresponding object, or the object identifier of the corresponding object, etc. In one embodiment, after the server obtains the transfer rule, it can restrict the transfer of electronic resources between the first terminal and the second terminal based on the transfer rule to ensure the security when the first terminal and the second terminal transfer electronic resources.

[0045] In one embodiment, when the server transfers electronic resources between the first terminal and the second terminal based on the obtained transfer rules for the electronic resources, to ensure the security of the electronic resources between the first terminal and the second terminal, resource accounts for executing the transfer rules may be established on the first terminal and the second terminal respectively, so as to ensure the security when transferring electronic resources between the first terminal and the second terminal. Specifically, after obtaining the transfer rules for the electronic resources, the server may perform signature verification on the transfer rules to determine whether both the first terminal and the second terminal have confirmed the transfer rules, and then proceed to step S202.

[0046] S202, perform signature verification on the transfer rules.

[0047] In one embodiment, the transfer rules obtained by the server respectively include the signature information of the first terminal and the signature information of the second terminal. It can be understood that the first terminal and the second terminal sign the initial transfer rules generated through negotiation after confirming them respectively, so as to obtain the transfer rules that respectively include the signature information of the first terminal and the signature information of the second terminal. That is to say, the transfer rules that respectively include the signature information of the first terminal and the signature information of the second terminal are obtained after the first terminal and the second terminal respectively confirm the generated initial transfer rules. To prevent the signature information of the first terminal or the second terminal from being forged signature information, after obtaining the signature information, the server needs to first perform signature verification on the signature information to determine that the signature information is not forged signature information. In one embodiment, after the server passes the signature verification on the signature information, it can be considered that the signature information included in the transfer rules is not forged signature information, and then proceed to step S203, so that the server can effectively avoid the security problems of electronic resource transfer caused by the forgery of the signature information of the first terminal or the second terminal.

[0048] In one embodiment, when the first terminal and the second terminal sign and confirm the transfer rule, the first terminal uses the first private key in the key pair included in the first terminal to sign the transfer rule, and when the second terminal signs and confirms the transfer rule, it uses the second private key in the key pair included in the second terminal to sign the transfer rule. It can be understood that when the server performs signature verification on the transfer rule, it can use the first public key in the key pair included in the first terminal to verify the signature information signed and confirmed by the first private key, and use the second public key in the key pair included in the second terminal to verify the signature information signed and confirmed by the second private key. In one embodiment, when the server performs signature verification on the obtained transfer rule, it needs to verify the signature information of the transfer rule using the first public key and the second public key respectively. After passing the verification, it can confirm that the signature verification of the transfer rule is successful, and when the verification is confirmed to be successful, it will proceed to step S203. If the server fails to verify the signature information of the transfer rule using the first public key or the second public key, it means that there is forged signature information in the transfer rule, and it is determined that the result of the server's verification of the signature information of the transfer rule is unsuccessful.

[0049] In one embodiment, when the server verifies the signature information of the transfer rule, it can immediately verify the signature information of the transfer rule after obtaining the transfer rule for the electronic resource, or the server can also store the obtained transfer rule after obtaining it, and then verify the signature of the transfer rule when it detects that the first terminal and the second terminal need to transfer the electronic resource. Among them, the transfer conditions included in the transfer rule include the transfer time, and the server can determine whether the first terminal and the second terminal need to transfer the electronic resource based on the transfer time.

[0050] S203. If the signature verification of the transfer rule is successful, open a first resource account in the first terminal and a second resource account in the second terminal according to the instructions of the transfer rule.

[0051] S204. Transfer the electronic resource between the first resource account and the second resource account according to the instructions of the transfer rule.

[0052] In steps S203 and S204, after the server successfully verifies the signature information of the transfer rule for the electronic resources obtained, it can open a first resource account in the first terminal and a second resource account in the second terminal according to the instructions of the transfer rule, so that the electronic resources in the first resource account and the second resource account can be transferred based on the instructions of the transfer rule. In one embodiment, if the first terminal is the terminal for obtaining electronic resources and the second terminal is the terminal for distributing electronic resources to the first terminal, when the server opens resource accounts for the first terminal and the second terminal respectively based on the transfer rule, the transfer rule will restrict the account functions of the resource accounts generated in the first terminal and the second terminal respectively. Among them, the restrictions on the first resource account generated in the first terminal include: when the electronic resources obtained by the first resource account from the second resource account reach the holding time, after determining the amount of electronic resources that need to be transferred to the second resource account, the first resource account sends the electronic resources to the second resource account, and sends the usage information (or purpose information) of the obtained electronic resources to the second electronic resource account, etc.; while the restrictions on the second resource account include automatically sending electronic resources to the first resource account when the preset electronic resource transfer time arrives, and viewing the usage information of the electronic resources in the first electronic resources when obtaining viewing authorization, etc.

[0053] The process by which the server respectively opens a first resource account in the first terminal and a second resource account in the second terminal based on the transfer rule can be as Figure 3 shown as follows:

[0054] 1. The object corresponding to the first terminal (assumed to be the resource receiving object that needs to receive electronic resources), and the object corresponding to the second terminal (assumed to be the resource transferring object that needs to transfer a certain amount of electronic resources to the object corresponding to the first terminal) need to first negotiate and determine various transfer conditions (or resource transfer conditions) in the resource transfer rule, such as the transfer time limit (i.e., the holding duration of the electronic resources obtained by the first terminal from the second terminal), the quantity (i.e., the target amount of electronic resources obtained by the first terminal from the second terminal), etc. Then, an initial transfer rule (i.e., the above-mentioned initial transfer rule for electronic resources) can be generated based on the transfer conditions and the object information of the object corresponding to the first terminal and the object information of the object corresponding to the second terminal.

[0055] Among them, the object information of the object corresponding to the first terminal can be, for example, the terminal identifier of the first terminal. Similarly, the object information of the object corresponding to the second terminal can also be, for example, the terminal identifier of the second terminal, etc. In one embodiment, after the object corresponding to the first terminal and the object corresponding to the second terminal negotiate and determine each transfer condition in the initial transfer rule, the object corresponding to the first terminal can set the initial transfer rule, or the object corresponding to the second terminal can also set the initial transfer condition. In the implementation of the present invention, the case where the object corresponding to the second terminal sets the initial transfer condition is described in detail. For the case where the object corresponding to the first terminal sets the initial transfer rule, reference can be made to the embodiments of the present invention. In one embodiment, the initial transfer rule can also be generated based on the server setting the transfer conditions.

[0056] 2. The second terminal can use digital signature to sign the generated initial transfer rule. Among them, the digital signature is a string that can only be generated by the sender of the initial transfer rule (i.e., the second terminal) and cannot be forged by other terminals. This string uses asymmetric key encryption technology and digital digest technology to prove the authenticity and validity of the information (i.e., the initial transfer rule). A set of digital signatures usually includes two complementary operations, one for signing and one for verification. It can be understood that the digital signature for signing is the second private key of the second terminal, and the digital signature for verification is the second public key of the second terminal.

[0057] In one embodiment, the second terminal can use its own digital certificate private key (i.e., the second private key) to sign the initial transfer rule, and then send the signed initial transfer rule to the first terminal. Among them, when the second terminal signs the initial transfer rule, it also signs the terminal identifier, such as the unique identity (Identify, ID) identifier, at the same time, so that the server can determine the second terminal that needs to generate a resource account based on the initial transfer contract according to the terminal identifier. After signing the initial transfer rule with the digital certificate private key, the initial transfer rule will carry the signature information of the second terminal.

[0058] 3. After the first terminal receives the initial transfer rule signed by the second terminal using its own digital certificate private key, it can first use the digital certificate public key of the second terminal (i.e., the second public key) to verify the signature of the signed initial transfer rule, and after the verification passes, check the initial transfer rule.

[0059] 4. If the first terminal determines that the initial transfer rule is correct, the first terminal can use its own digital certificate private key (i.e., the first private key) to sign the initial transfer rule again. When the first terminal signs the initial transfer rule with the first private key, it also signs the terminal identifier of the first terminal with the first private key at the same time. Then, the first terminal sends the signed initial transfer rule to the server, thereby initiating an application for creating a transfer account.

[0060] 5. After the server obtains the initial transfer rules that have been signed by the first terminal and the second terminal respectively, it can use the data signature public keys of the first terminal and the second terminal respectively to verify the signature information of the initial transfer rules signed by the first terminal and the second terminal. That is, the server can use the first public key of the first terminal and the second public key of the second terminal respectively to verify the signature information of the transfer rules signed by the first terminal and the second terminal.

[0061] 6. If the verification passes, the server can obtain the transfer conditions in the initial transfer rule and generate corresponding resource accounts in the first terminal and the second terminal respectively according to various transfer conditions, such as the time for transferring electronic resources from the resource transfer object to the resource receiving object, the quantity of the transferred electronic resources, the usage constraint information of the transferred electronic resources, etc. That is, the first resource account of the first terminal and the second resource account of the second terminal.

[0062] 7. Send a notification message indicating that the resource account has been successfully opened to the first terminal and the second terminal respectively.

[0063] In one embodiment, when the server opens resource accounts for the first terminal and the second terminal respectively, it can open a first resource account for the first terminal and a second resource account for the second terminal in the application programs that are running on the first terminal and the second terminal simultaneously. Further, the server can control the electronic resources of the second resource account of the first resource account according to the instructions of the transfer rule, that is, transfer the electronic resources between the first resource account and the second resource account according to the transfer rule. Among them, the second terminal needs to deposit the electronic resources of the target electronic resource amount indicated by the transfer rule into the second resource account within the specified time. If the server detects that the second terminal has not deposited the electronic resources of the target electronic resource amount into the second resource account within the specified time, the server will automatically invalidate the transfer rule. When the server detects that the second terminal has deposited the electronic resources of the target electronic resource amount into the second resource account within the specified time, it can automatically transfer the electronic resources of the target electronic resource amount to the first resource account of the first terminal. Among them, the specified time refers to the time set in the transfer rule when the electronic resources of the target electronic resource amount need to be transferred to the first resource account, such as the preset time for electronic resource transfer, so that the server realizes the control of the electronic resources of the first resource account in the first terminal and the second resource account in the second terminal based on the transfer rule.

[0064] In an embodiment of the present invention, after the server obtains the transfer rule for electronic resources after negotiation and signature confirmation by the first terminal and the second terminal, it can perform signature verification on the transfer rule. When the signature verification passes, the server determines that the obtained transfer rule is the rule confirmed by the first terminal and the second terminal, and further opens a first resource account in the first terminal and a second resource account in the second terminal according to the instructions of the transfer rule, so that the server can transfer the electronic resources between the first resource account and the second resource account according to the instructions of the transfer rule, enabling the server to realize the control of the electronic resources in the first resource account and the second resource account, effectively improving the security of the electronic resource transfer in the first resource account and the second resource account. The automatic transfer process of electronic resources based on the transfer rule can improve the transfer efficiency when the first resource account and the second resource account transfer electronic resources.

[0065] Please refer to Figure 4 , which is a schematic flowchart of a resource processing method proposed in an embodiment of the present invention. This method can also be executed by the above-mentioned server. In the resource processing method mentioned in the embodiment of the present invention, as Figure 4 shown, this method may include:

[0066] S401, obtain the object information of the corresponding object from the first terminal, and judge the information integrity of the obtained object information.

[0067] S402. Determine the information evaluation score of the corresponding object according to the information completeness.

[0068] In one embodiment, when the server opens corresponding resource accounts for the first terminal and the second terminal respectively, so that the resource accounts opened for the first terminal and the second terminal respectively transfer electronic resources based on the transfer rule, it is necessary to first determine whether the first terminal for obtaining electronic resources has the qualification to transfer electronic resources. Among them, when the server determines whether the first terminal has the qualification to transfer electronic resources, it is determined based on whether the information evaluation score of the object information of the object corresponding to the first terminal meets a preset score threshold. Among them, the higher the information evaluation score of the object information of the object corresponding to the first terminal, the more object information of the object corresponding to the first terminal the server obtains. It can be understood that the more object information of the object corresponding to the first terminal the server obtains, the higher the possibility that the object corresponding to the first terminal fulfills the transfer rule. And when the object corresponding to the first terminal does not fulfill the transfer rule, since the server obtains more object information of the corresponding object, the possibility that the server prompts the first terminal to fulfill the transfer rule is also greater. Thus, various transfer problems during the transfer of electronic resources between the first terminal and the second terminal can be effectively avoided, and the problem that the second terminal cannot get back the electronic resources after transferring the electronic resources to the first terminal can be prevented.

[0069] In one embodiment, when the object information of the corresponding object obtained by the server from the first terminal involves object privacy, the relevant object information is obtained only after obtaining the authorization for obtaining object information from the corresponding object. And in the case where the relevant authorization is not obtained from the corresponding object, the server will not obtain the object information of the relevant object. After the server obtains the object information of the relevant object, the information completeness of the obtained object information can be judged. The information completeness is used to evaluate the amount (and / or information type) of the object information obtained by the server from the first terminal. The more the amount (and / or information type) of the object information obtained by the server from the first terminal, the higher the information completeness of the object information obtained by the server can be determined. And if the amount of the object information obtained by the server from the first terminal is less, the lower the information completeness of the object information obtained by the server can be determined. Based on the information completeness, the server can determine the information evaluation score of the object corresponding to the first terminal. Among them, the higher the information completeness, the higher the corresponding information evaluation score. That is to say, when the amount of the object information obtained by the server from the first terminal is more, the higher the corresponding information evaluation score. And when the amount of the object information obtained is less, the corresponding information evaluation score is lower.

[0070] In one embodiment, the server may also determine corresponding different evaluation weights for different object information obtained, so that after the server obtains the object information of the corresponding object of the first terminal, based on the different evaluation weights corresponding to each object information, the information evaluation score corresponding to the first terminal can be determined. After the server determines the information evaluation score of the object information of the corresponding object of the first terminal, if the information evaluation score is greater than or equal to the score threshold, the first terminal may be allowed to initiate an electronic resource transfer (that is, the first terminal may be allowed to initiate the acquisition of electronic resources from the second terminal), that is, proceed to step S403. In one embodiment, if the server determines that the information evaluation score of the object information of the corresponding object of the first terminal is less than the score threshold, the server will prohibit the first terminal from initiating an electronic resource transfer, and when the first terminal and other terminals (such as the second terminal) conduct an electronic resource transfer or negotiate an initial transfer rule, a prompt message will be sent to the other terminal to inform the other terminal that there is a large anomaly of deceiving electronic resources in the first terminal. Based on the reminder to other terminals, the resource security of the electronic resources in the corresponding terminal devices can be guaranteed when each terminal conducts an electronic resource transfer.

[0071] S403. When the information evaluation score is greater than or equal to the score threshold, obtain the transfer rule of the electronic resources, where the transfer rule is used to indicate the transfer of electronic resources between the first terminal and the second terminal, and the transfer rule is negotiated and signed by the first terminal and the second terminal.

[0072] S404. Perform signature verification on the transfer rule.

[0073] In one embodiment, the first terminal and the second terminal have key pairs. The key pair of the first terminal includes a first private key and a first public key, and the key pair of the second terminal includes a second private key and a second public key. Among them, the transfer rule includes first signature information obtained by the first terminal signing with the first private key, and second signature information obtained by the second terminal signing with the second private key. In one embodiment, the signature information included in the transfer rule may be obtained after superimposed signature processing by the first terminal using the first private key and the second terminal using the second private key. For example, the first terminal may use the first private key to sign the generated initial transfer rule to obtain the first signature information, and then the second terminal uses the second private key to perform superimposed signature on the initial transfer rule including the first signature information to add the second signature information to the initial transfer rule; or, the transfer rule may also be obtained by the second terminal using the second private key to sign the generated initial transfer rule to obtain the second signature information, and then the first terminal uses the first private key to perform superimposed signature processing on the initial transfer rule including the second signature information to obtain the first signature information. In one embodiment, the signature information included in the transfer rule may also be obtained by the first terminal using the first private key and the second terminal using the second private key to perform signature processing separately, that is, the server sends the initial transfer rule to the first terminal and the second terminal respectively, so that the transfer rules after signature processing can be obtained from the first terminal and the second terminal respectively.

[0074] In one embodiment, since the signature information included in the transfer rule respectively includes the first signature information obtained by signing with the first private key and the second signature information obtained by signing with the second private key, when the server performs signature verification on the transfer rule, it can use the first public key to verify the first signature information and use the second public key to verify the second signature information. If the server passes the verification of the first signature information using the first public key and passes the verification of the second signature information using the second public key, the server considers that the signature verification of the transfer rule passes and then proceeds to step S405; or, if the server fails to pass the verification of the first signature information using the first public key, or fails to pass the verification of the second signature information using the second public key, the server may consider that the signature verification of the transfer rule fails and directly ends this process. Based on the server's signature verification of the obtained transfer rule, it can effectively prevent the signature or the transfer rule from being tampered with, resulting in abnormal electronic resource transfer.

[0075] S405, if the signature verification of the transfer rule is successful, then according to the indication of the transfer rule, open a first resource account in the first terminal and open a second resource account in the second terminal.

[0076] S406, transfer electronic resources between the first resource account and the second resource account according to the instructions of the transfer rule.

[0077] In one embodiment, to improve the efficiency of transferring electronic resources between the first terminal and the second terminal, when the signature verification of the transfer rule is successful, the server may open resource accounts in the first terminal and the second terminal respectively according to the instructions of the transfer rule, so as to realize the automatic transfer of electronic resources in the resource accounts based on the transfer rule. Among them, if the first terminal is the terminal to obtain electronic resources and the second terminal is the terminal to distribute electronic resources, the electronic resource transfer rule includes: the target amount of electronic resources that the first terminal is to obtain from the second terminal, and the holding time of the target amount of electronic resources obtained by the first terminal from the second terminal. Then, when the server transfers electronic resources between the resource accounts in the first terminal and the second terminal according to the transfer rule, it may first obtain the target amount of electronic resources from the second resource account according to the electronic resource transfer rule and transfer it to the first resource account, so that when the holding time arrives, the amount of electronic resources that need to be transferred from the first terminal to the second terminal can be determined, and the electronic resources corresponding to the determined amount of electronic resources are transferred from the first resource account to the second resource account. In one embodiment, when the holding time arrives, the amount of electronic resources determined to be transferred from the first terminal to the second terminal is greater than or equal to the target amount of electronic resources obtained by the first terminal from the second terminal. Among them, when the interest rate of the transfer rule is 0, the amount of electronic resources determined to be transferred from the first terminal to the second terminal is equal to the target amount of electronic resources obtained by the first terminal from the second terminal, and when the interest rate indicated by the transfer rule is greater than 0, the amount of electronic resources determined to be transferred from the first terminal to the second terminal is greater than the target amount of electronic resources obtained by the first terminal from the second terminal.

[0078] In one embodiment, the electronic resource transfer rule further includes: the usage constraint information corresponding to the target electronic resource amount obtained by the first terminal from the second terminal. It can be understood that this constraint information can be used to constrain the use of the electronic resources corresponding to the target electronic resource amount obtained by the first terminal from the second terminal. Among them, after the server obtains the electronic resources of the target electronic resource amount from the second resource account according to the electronic resource transfer rule and transfers them to the first resource account, it can further obtain the usage information of the electronic resources of the target electronic resource amount from the first terminal, so as to determine whether the usage information meets the usage constraint information. When it is determined that it does not meet, a rule suspension message is sent to the first terminal and the second terminal to suspend the electronic resource transfer rule. That is to say, after the first terminal obtains the electronic resources of the target electronic resource amount from the second terminal, when using the electronic resources of the target electronic resource amount, it is necessary to record the usage information of the used electronic resources, and the second terminal can correspondingly query and monitor the use of the electronic resources of the target electronic resource amount by the first terminal. If the second terminal determines that the use of the electronic resources of the target electronic resource amount by the first terminal does not match the pre-negotiated usage constraints, the second terminal can request to suspend the electronic resource transfer rule at any time. In one embodiment, the second terminal queries and monitors the usage of the electronic resources of the target electronic resource amount in the first terminal, which is also executed after the second terminal obtains the corresponding resource query and monitoring authorization from the first terminal. When the second terminal does not obtain this authorization from the first terminal, it will not query and monitor the usage of the resources obtained by the first terminal.

[0079] In one embodiment, after the second terminal suspends the electronic resource transfer rule, further, when the server determines according to the rule suspension message that the usage information of the electronic resources corresponding to the target electronic resource amount obtained by the first terminal does not meet the usage constraint information, the amount of electronic resources that needs to be transferred from the first terminal to the second terminal can be re-determined, and the electronic resources corresponding to the re-determined amount of electronic resources are transferred from the first resource account to the second resource account. In one embodiment, the re-determined amount of electronic resources can be determined based on the interest rate of the transfer rule terminal, or it can also be re-negotiated and determined by the objects corresponding to the first terminal and the objects corresponding to the second terminal.

[0080] In one embodiment, when the holding time of the electronic resources of the target electronic resource amount obtained by the first terminal indicated by the transfer rule detected by the server arrives, the second resource account corresponding to the second terminal will actively initiate an acquisition of electronic resources from the first resource account corresponding to the first terminal. The acquired electronic resources are determined based on the target electronic resource amount and the interest rate. If the second resource account fails to acquire electronic resources from the first resource account, it will acquire electronic resources from the main account of the first terminal. When the first terminal and the second terminal negotiate and generate the transfer rule, the first terminal has already opened the permission for the second terminal to acquire electronic resources from the main account of the first terminal. Specifically, if the server fails to transfer the electronic resources corresponding to the determined electronic resource amount from the first resource account to the second resource account, it determines the main account of the first terminal and transfers the electronic resources corresponding to the determined electronic resource amount from the main account of the first terminal to the second resource account.

[0081] In one embodiment, if the second terminal fails to acquire electronic resources from the main account of the first terminal, it will enter the negotiation stage. In this stage, both parties involved in the electronic resource transfer will try again to reach a new agreement. If the new agreement is not reached, the server will automatically lower the credit rating of the object corresponding to the first terminal and send a prompt message to other terminals when the first terminal executes transactions with other terminals. Specifically, if the server fails to transfer the electronic resources corresponding to the determined electronic resource amount from the main account of the first terminal to the second resource account, it will lower the credit rating of the object corresponding to the first terminal. Or, the server can also, when it fails to transfer the electronic resources corresponding to the determined electronic resource amount from the main account of the first terminal to the second resource account, first further obtain a new electronic resource transfer rule from the first terminal or the second terminal. The new electronic resource transfer rule is determined by the first terminal and the second terminal through re-negotiation and signature. When the server fails to obtain the new electronic resource transfer rule, it can then trigger the lowering of the credit rating of the object corresponding to the first terminal.

[0082] In an embodiment of the present invention, before the server opens resource accounts for the first terminal and the second terminal respectively to transfer electronic resources, it first determines whether the first terminal meets the eligibility to obtain electronic resources from the second terminal. When it is determined that the first terminal has the eligibility, a resource account dedicated to executing the transfer rule negotiated and generated by the first terminal and the second terminal is generated in the first terminal and the second terminal respectively. The resource account automatically transfers the electronic resources with the target electronic resource amount in the second resource account of the second terminal to the first resource account of the first terminal according to the target electronic resource amount agreed upon by the transfer rule, and can, according to the holding time of the electronic resources with the target electronic resource amount obtained by the first terminal as specified by the transfer rule, enable the second resource account to automatically obtain electronic resources from the first resource account, enabling the server to realize the automatic transfer of the electronic resources in the first resource account and the second resource account through the transfer rule, improving the transfer efficiency of the first resource account and the second resource account, and effectively ensuring the security of the electronic resources in the electronic resource account based on the constraints on the electronic resources in the resource account.

[0083] Based on the description of the above embodiment of the resource processing method, an embodiment of the present invention also proposes a resource processing device, which may be a computer program (including program code) running in the above server. The resource processing device can be used to execute as Figure 2 and Figure 4 the described resource processing method. Please refer to Figure 5 , and the resource processing device includes: an acquisition unit 501, a verification unit 502, an opening unit 503, and a transfer unit 504.

[0084] The acquisition unit 501 is configured to acquire a transfer rule of electronic resources, where the transfer rule is used to indicate the transfer of electronic resources between the first terminal and the second terminal, and the transfer rule is negotiated and signed by the first terminal and the second terminal;

[0085] The verification unit 502 is configured to perform signature verification on the transfer rule;

[0086] The opening unit 503 is configured to, if the signature verification of the transfer rule is successful, open a first resource account in the first terminal and a second resource account in the second terminal according to the indication of the transfer rule; and

[0087] The transfer unit 504 is configured to transfer electronic resources between the first resource account and the second resource account according to the indication of the transfer rule.

[0088] In one embodiment, the first terminal and the second terminal have key pairs. The key pair of the first terminal includes a first private key and a first public key, and the key pair of the second terminal includes a second private key and a second public key;

[0089] The transfer rule includes first signature information obtained by the first terminal signing with the first private key, and second signature information obtained by the second terminal signing with the second private key.

[0090] In one embodiment, the verification unit 502 is specifically configured to:

[0091] Verify the first signature information using the first public key, and verify the second signature information using the second public key.

[0092] In one embodiment, if the first terminal is the terminal to obtain electronic resources and the second terminal is the terminal to distribute electronic resources, then the electronic resource transfer rule includes: the amount of target electronic resources to be obtained by the first terminal from the second terminal, and the holding time of the amount of target electronic resources obtained by the first terminal from the second terminal; the transfer unit 504 is specifically configured to:

[0093] Obtain the electronic resources of the target electronic resource amount from the second resource account according to the electronic resource transfer rule, and transfer them to the first resource account;

[0094] When the holding time arrives, determine the amount of electronic resources that need to be transferred from the first terminal to the second terminal, and transfer the electronic resources corresponding to the determined amount of electronic resources from the first resource account to the second resource account.

[0095] In one embodiment, the electronic resource transfer rule further includes: usage constraint information corresponding to the electronic resources of the amount of target electronic resources obtained by the first terminal from the second terminal; the apparatus further includes: a judgment unit 505 and a sending unit 506.

[0096] The obtaining unit 501 is further configured to obtain usage information about the electronic resources of the amount of target electronic resources from the first terminal;

[0097] The judgment unit 505 is configured to judge whether the usage information meets the usage constraint information;

[0098] The sending unit 506 is configured to send rule suspension information to the first terminal and the second terminal when it is determined that they do not meet, so as to suspend the electronic resource transfer rule.

[0099] In one embodiment, the apparatus further includes: a determination unit 507.

[0100] A determination unit 507, configured to re-determine the amount of electronic resources that need to be transferred from the first terminal to the second terminal when it is determined that the usage information of the electronic resources corresponding to the acquired target electronic resource amount by the first terminal does not conform to the usage constraint information according to the rule-aborting information;

[0101] The transfer unit 504 is further configured to transfer the electronic resources corresponding to the re-determined amount of electronic resources from the first resource account to the second resource account.

[0102] In one embodiment, the determination unit 507 is further configured to determine the main account of the first terminal if the transfer of the electronic resources corresponding to the determined amount of electronic resources from the first resource account to the second resource account fails;

[0103] The transfer unit 504 is further configured to transfer the electronic resources corresponding to the determined amount of electronic resources from the main account of the first terminal to the second resource account.

[0104] In one embodiment, the apparatus further includes: a reduction unit 508.

[0105] The reduction unit 508 is configured to reduce the credit rating of the object corresponding to the first terminal if the transfer of the electronic resources corresponding to the determined amount of electronic resources from the main account of the first terminal to the second resource account fails.

[0106] In one embodiment, the acquisition unit 501 is further configured to acquire a new electronic resource transfer rule;

[0107] The reduction unit 508 is further configured to trigger the step of reducing the credit rating of the object corresponding to the first terminal when the acquisition of the new electronic resource transfer rule fails.

[0108] In one embodiment, the acquisition unit 501 is further configured to acquire object information of the corresponding object from the first terminal and determine the information integrity of the acquired object information;

[0109] The determination unit 507 is further configured to determine an information evaluation score of the corresponding object according to the information integrity, where the higher the information integrity, the higher the corresponding information evaluation score;

[0110] The acquisition unit 501 is further configured to trigger the step of acquiring the transfer rule of the electronic resources when the information evaluation score is greater than or equal to the score threshold.

[0111] In an embodiment of the present invention, after the obtaining unit 501 obtains the transfer rule for electronic resources negotiated and signed and confirmed by the first terminal and the second terminal, the verification unit 502 can perform signature verification on the transfer rule. When the signature verification passes, it can be determined that the obtained transfer rule is the rule confirmed by the first terminal and the second terminal, so that the activation unit 503 can further activate a first resource account in the first terminal and activate a second resource account in the second terminal according to the indication of the transfer rule. As a result, the transfer unit 504 can transfer electronic resources between the first resource account and the second resource account according to the indication of the transfer rule, realizing the control of the electronic resources in the first resource account and the second resource account, effectively improving the security of the transfer of electronic resources in the first resource account and the second resource account. The automatic transfer process of electronic resources based on the transfer rule can improve the transfer efficiency when the first resource account and the second resource account transfer electronic resources.

[0112] Please refer to Figure 6 , which is a schematic block diagram of the structure of a server provided by an embodiment of the present invention. As Figure 6 shown, the server in this embodiment may include: one or more processors 601; one or more input devices 602, one or more output devices 603, and a memory 604. The above-mentioned processors 601, input devices 602, output devices 603, and memory 604 are connected through a bus 605. The memory 604 is used to store a computer program, and the computer program includes program instructions. The processor 601 is used to execute the program instructions stored in the memory 604.

[0113] The memory 604 may include a volatile memory, such as a random-access memory (RAM); the memory 604 may also include a non-volatile memory, such as a flash memory, a solid-state drive (SSD), etc.; the memory 604 may further include a combination of the above types of memories.

[0114] The processor 601 may be a central processing unit (CPU). The processor 601 may further include a hardware chip. The above-mentioned hardware chip may be an application-specific integrated circuit (ASIC), a programmable logic device (PLD), etc. The PLD may be a field-programmable gate array (FPGA), a generic array logic (GAL), etc. The processor 601 may also be a combination of the above structures.

[0115] In an embodiment of the present invention, the memory 604 is used to store a computer program, the computer program includes program instructions, and the processor 601 is used to execute the program instructions stored in the memory 604 to implement the corresponding method steps as described in Figure 2 and Figure 4 above.

[0116] In one embodiment, the processor 601 is configured to call the program instructions for execution:

[0117] Obtain a transfer rule of electronic resources, where the transfer rule is used to indicate the transfer of electronic resources between a first terminal and a second terminal, and the transfer rule is negotiated and signed by the first terminal and the second terminal;

[0118] Perform signature verification on the transfer rule;

[0119] If the signature verification of the transfer rule is successful, then according to the indication of the transfer rule, open a first resource account in the first terminal and open a second resource account in the second terminal; and,

[0120] Perform the transfer of electronic resources between the first resource account and the second resource account according to the indication of the transfer rule.

[0121] In one embodiment, the first terminal and the second terminal have key pairs. The key pair of the first terminal includes a first private key and a first public key, and the key pair of the second terminal includes a second private key and a second public key;

[0122] The transfer rule includes a first signature information signed by the first terminal using the first private key and a second signature information signed by the second terminal using the second private key.

[0123] In one embodiment, the processor 601 is configured to call the program instructions to perform:

[0124] Verify the first signature information using the first public key, and verify the second signature information using the second public key.

[0125] In one embodiment, if the first terminal is a terminal to obtain electronic resources and the second terminal is a terminal to distribute electronic resources, the electronic resource transfer rule includes: the amount of target electronic resources to be obtained by the first terminal from the second terminal, and the holding time of the amount of target electronic resources obtained by the first terminal from the second terminal;

[0126] The processor 601 is configured to call the program instructions to perform:

[0127] Obtain the electronic resources of the target electronic resource amount from the second resource account according to the electronic resource transfer rule, and transfer them to the first resource account;

[0128] When the holding time arrives, determine the amount of electronic resources that need to be transferred from the first terminal to the second terminal, and transfer the electronic resources corresponding to the determined amount of electronic resources from the first resource account to the second resource account.

[0129] In one embodiment, the electronic resource transfer rule further includes: the usage constraint information corresponding to the electronic resources of the target electronic resource amount obtained by the first terminal from the second terminal; the processor 601 is configured to call the program instructions to perform:

[0130] Obtain the usage information of the electronic resources of the target electronic resource amount from the first terminal;

[0131] Judge whether the usage information meets the usage constraint information, and when it is determined that it does not meet, send a rule suspension information to the first terminal and the second terminal to suspend the electronic resource transfer rule.

[0132] In one embodiment, the processor 601 is configured to call the program instructions to perform:

[0133] According to the rule suspension information, when it is re-determined that the usage information of the electronic resources corresponding to the target electronic resource amount obtained by the first terminal does not meet the usage constraint information, determine the amount of electronic resources that need to be transferred from the first terminal to the second terminal;

[0134] Transfer the electronic resources corresponding to the re-determined amount of electronic resources from the first resource account to the second resource account.

[0135] In one embodiment, the processor 601 is configured to call the program instructions to perform:

[0136] If the transfer of the electronic resources corresponding to the determined amount of electronic resources from the first resource account to the second resource account fails, determine the main account of the first terminal;

[0137] Transfer the electronic resources corresponding to the determined amount of electronic resources from the main account of the first terminal to the second resource account.

[0138] In one embodiment, the processor 601 is configured to call the program instructions to perform:

[0139] If the transfer of the electronic resources corresponding to the determined amount of electronic resources from the main account of the first terminal to the second resource account fails, reduce the credit rating of the object corresponding to the first terminal.

[0140] In one embodiment, if the transfer of the electronic resources corresponding to the determined amount of electronic resources from the main account of the first terminal to the second resource account fails, the processor 601 is configured to call the program instructions to perform:

[0141] Obtain a new electronic resource transfer rule, and when the acquisition of the new electronic resource transfer rule fails, trigger the step of reducing the credit rating of the object corresponding to the first terminal.

[0142] In one embodiment, the processor 601 is configured to call the program instructions to perform:

[0143] Obtain the object information of the corresponding object from the first terminal, and judge the information integrity of the obtained object information;

[0144] According to the information integrity, determine the information evaluation score of the corresponding object, wherein the higher the information integrity, the higher the corresponding information evaluation score;

[0145] When the information evaluation score is greater than or equal to the score threshold, trigger the step of obtaining the transfer rule of the electronic resources.

[0146] An embodiment of the present invention provides a computer program product or a computer program. The computer program product or the computer program includes computer instructions, and the computer instructions are stored in a computer-readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes the above as Figure 2 or Figure 4The method embodiments shown. Among them, the computer-readable storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM), etc.

[0147] What is disclosed above is only partial embodiments of the present invention. Of course, the scope of rights of the present invention cannot be limited thereby. It can be understood that implementing all or part of the processes of the above embodiments and equivalent changes made according to the claims of the present invention still fall within the scope covered by the invention.

Claims

1. A resource processing method, characterized in that, Including: Obtaining a transfer rule for electronic resources, where the transfer rule is used to indicate the transfer of electronic resources between a first terminal and a second terminal, and the transfer rule is negotiated and signed by the first terminal and the second terminal; Performing signature verification on the transfer rule; If the signature verification of the transfer rule is successful, then according to the indication of the transfer rule, opening a first resource account in the first terminal and opening a second resource account in the second terminal; And Transferring electronic resources between the first resource account and the second resource account according to the indication of the transfer rule.

2. The method according to claim 1, characterized in that, The first terminal and the second terminal have key pairs. The key pair of the first terminal includes a first private key and a first public key, and the key pair of the second terminal includes a second private key and a second public key; The transfer rule includes a first signature information obtained by the first terminal signing with the first private key, and a second signature information obtained by the second terminal signing with the second private key.

3. The method according to claim 2, wherein The performing signature verification on the transfer rule includes: Verifying the first signature information with the first public key and verifying the second signature information with the second public key.

4. The method according to claim 1, characterized in that, The electronic resource transfer rule includes: the amount of target electronic resources to be obtained by the first terminal from the second terminal, and the holding time of the first terminal for the amount of target electronic resources obtained from the second terminal; the transferring electronic resources between the first resource account and the second resource account according to the indication of the transfer rule includes: According to the electronic resource transfer rule, obtaining the electronic resources of the target electronic resource amount from the second resource account and transferring them to the first resource account; When the holding time arrives, determining the amount of electronic resources that need to be transferred from the first terminal to the second terminal, and transferring the electronic resources corresponding to the determined amount of electronic resources from the first resource account to the second resource account.

5. The method according to claim 1, characterized in that, The electronic resource transfer rule further includes: usage constraint information for the electronic resources corresponding to the amount of target electronic resources obtained by the first terminal from the second terminal; after obtaining the electronic resources of the target electronic resource amount from the second resource account and transferring them to the first resource account according to the electronic resource transfer rule, the method further includes: Obtaining usage information about the electronic resources of the target electronic resource amount from the first terminal; Judging whether the usage information meets the usage constraint information, and when it is determined that it does not meet, sending a rule suspension message to the first terminal and the second terminal to suspend the electronic resource transfer rule.

6. The method according to claim 5, characterized in that, The method further includes: According to the rule suspension message, when it is re-determined that the usage information of the electronic resources corresponding to the amount of target electronic resources obtained by the first terminal does not meet the usage constraint information, determining the amount of electronic resources that need to be transferred from the first terminal to the second terminal; Transferring the electronic resources corresponding to the re-determined amount of electronic resources from the first resource account to the second resource account.

7. The method according to claim 4, characterized in that, The method further includes: If the transfer of the electronic resources corresponding to the determined amount of electronic resources from the first resource account to the second resource account fails, determine the main account of the first terminal; Transfer the electronic resources corresponding to the determined amount of electronic resources from the main account of the first terminal to the second resource account.

8. The method according to claim 7, wherein The method further includes: If the transfer of the electronic resources corresponding to the determined amount of electronic resources from the main account of the first terminal to the second resource account fails, reduce the credit level of the object corresponding to the first terminal.

9. The method according to claim 8, characterized in that Before reducing the credit level of the object corresponding to the first terminal if the transfer of the electronic resources corresponding to the determined amount of electronic resources from the main account of the first terminal to the second resource account fails, the method further includes: Obtain a new electronic resource transfer rule, and when the obtaining of the new electronic resource transfer rule fails, trigger the execution of the step of reducing the credit level of the object corresponding to the first terminal.

10. The method according to claim 1, characterized in that, The method further includes: Obtain the object information of the corresponding object from the first terminal, and judge the information integrity of the obtained object information; Determine the information evaluation score of the corresponding object according to the information integrity, wherein the higher the information integrity, the higher the corresponding information evaluation score; When the information evaluation score is greater than or equal to the score threshold, trigger the execution of the step of obtaining the transfer rule of the electronic resources.

11. A resource processing device, characterized in that, Includes: An obtaining unit, configured to obtain a transfer rule of electronic resources, where the transfer rule is used to indicate the transfer of electronic resources between a first terminal and a second terminal, and the transfer rule is generated by negotiation and signature between the first terminal and the second terminal; A verification unit, configured to perform signature verification on the transfer rule; An activation unit, configured to, if the signature verification of the transfer rule is successful, activate a first resource account in the first terminal and activate a second resource account in the second terminal according to the indication of the transfer rule; And, A transfer unit, configured to transfer electronic resources between the first resource account and the second resource account according to the indication of the transfer rule.

12. A server, characterized in that, Includes a processor, an input device, an output device, and a memory, where the processor, the input device, the output device, and the memory are interconnected. Among them, the memory is used to store a computer program, the computer program includes program instructions, and the processor is configured to call the program instructions to execute the method according to any one of claims 1 to 10.

13. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program, the computer program includes program instructions, and when the program instructions are executed by a processor, the processor is caused to execute the method according to any one of claims 1 to 10.

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