Method, apparatus, computer device, and storage medium for processing resources

Abstract

The present application provides a method, apparatus, computer device, and storage medium for resource processing. Among them, the method is applied to a first system, and the first system corresponds to multiple clearing platforms. The method includes: obtaining a resource processing request sent by a second system, where the processing request includes information on the resource receiving account, information on the resource transferring account, and the amount of resources to be processed; sending a resource deduction request to a third system to which the resource transferring account belongs through any clearing platform; in response to obtaining the resource deduction success information fed back by the third system, sending a resource transfer request to a fourth system to which the resource receiving account belongs through any clearing platform. Thus, after obtaining the resource processing request, the first system can send a resource deduction request and a resource transfer request through any one of the corresponding multiple clearing platforms, realizing the diversification of resource processing channels, reducing the channel access cost, and having a wide range of applications.

Description

Technical Field

[0001] This application relates to the field of computer technology, and particularly to a method, apparatus, computer device, and storage medium for processing resources. Background Art

[0002] In the related art, banks can sell wealth management, deposits, and other financial products through Internet channels. When purchasing wealth management or financial products, users usually first use a Class-I bank account to open a Class-II account, then recharge the Class-II account with the Class-I account through the UnionPay channel, and then use the Class-II account to purchase wealth management, financial products, etc.

[0003] For the above Class-II account recharge method, it can only be through the UnionPay channel. If the UnionPay interface is unavailable, recharge cannot be performed. It can be seen that this Class-II account recharge method has a single channel and a high channel access cost. Summary of the Invention

[0004] This application provides a method, apparatus, computer device, and storage medium for processing resources.

[0005] An embodiment of one aspect of this application provides a method for processing resources, which is applied to a first system. The first system corresponds to multiple clearing platforms. The method includes:

[0006] Obtain a resource processing request sent by a second system, where the processing request includes information about a resource receiving account, information about a resource transferring account, and the amount of resources to be processed;

[0007] Send a resource deduction request to a third system to which the resource transferring account belongs through any clearing platform, where the deduction request includes the information about the resource transferring account and the amount of resources to be processed;

[0008] In response to obtaining the resource deduction success information fed back by the third system, send a resource transfer request to a fourth system to which the resource receiving account belongs through the any clearing platform, where the transfer request includes the information about the resource receiving account and the amount of resources to be processed.

[0009] An embodiment of another aspect of this application provides a device for processing resources, which is applied to a first system. The first system corresponds to multiple clearing platforms. The device includes:

[0010] An obtaining module, configured to obtain a resource processing request sent by a second system, where the processing request includes information about a resource receiving account, information about a resource transferring account, and the amount of resources to be processed;

[0011] A sending module, configured to send a resource deduction request to a third system to which the resource transfer-out account belongs through any clearing platform, where the deduction request includes information of the resource transfer-out account and the resource amount to be processed;

[0012] The sending module is further configured to, in response to obtaining the resource deduction success information fed back by the third system, send a resource transfer-in request to a fourth system to which the resource receiving account belongs through any clearing platform, where the transfer-in request includes information of the resource receiving account and the resource amount to be processed.

[0013] Another embodiment of the present application provides a computer device, including a processor and a memory;

[0014] Wherein, the processor runs a program corresponding to the executable program code by reading the executable program code stored in the memory, so as to implement the resource processing method as described in the above-mentioned embodiment of one aspect.

[0015] Another embodiment of the present application provides a non-transitory computer-readable storage medium, on which a computer program is stored, and when the program is executed by a processor, it implements the resource processing method as described in the above-mentioned embodiment of one aspect.

[0016] Another embodiment of the present application provides a computer program product, characterized in that it includes a computer program, and when the computer program is executed by a processor, it implements the resource processing method as described in the above-mentioned embodiment of one aspect.

[0017] The resource processing method, device, computer device and storage medium of the embodiments of the present application obtain a resource processing request sent by a second system, send a resource deduction request to a third system to which the resource transfer-out account belongs through any clearing platform, and in response to obtaining the resource deduction success information fed back by the third system, send a resource transfer-in request to a fourth system to which the resource receiving account belongs through any clearing platform. Thus, after obtaining the resource processing request, the first system can send a resource deduction request and a resource transfer-in request through any one of the corresponding multiple clearing platforms, realizing the diversification of resource processing channels, reducing the channel access cost, and having a wide range of applications.

[0018] Additional aspects and advantages of the present application will be given in part in the following description, become apparent in part from the following description, or be learned through the practice of the present application. Description of the Drawings

[0019] The above-mentioned and / or additional aspects and advantages of the present application will become apparent and easy to understand from the following description of the embodiments in conjunction with the drawings, where:

[0020] Figure 1 Schematic flowchart of a method for processing a resource provided by an embodiment of the present application;

[0021] Figure 2 Schematic flowchart of another method for processing a resource provided by an embodiment of the present application;

[0022] Figure 3 Schematic flowchart of another method for processing a resource provided by an embodiment of the present application;

[0023] Figure 4 Schematic flowchart of a process for recharging a secondary account provided by an embodiment of the present application;

[0024] Figure 5 Schematic structural diagram of a device for processing a resource provided by an embodiment of the present application. Detailed implementation manners

[0025] The embodiments of the present application will be described in detail below. Examples of the embodiments are shown in the accompanying drawings, where the same or similar reference numerals denote the same or similar elements or elements having the same or similar functions throughout. The embodiments described below with reference to the accompanying drawings are exemplary and are intended to explain the present application, and should not be construed as limiting the present application.

[0026] The method, device, computer device, and storage medium for processing a resource according to an embodiment of the present application will be described below with reference to the accompanying drawings.

[0027] Figure 1 Schematic flowchart of a method for processing a resource provided by an embodiment of the present application.

[0028] The method for processing a resource according to an embodiment of the present application can be applied to a first system, where the first system can correspond to multiple clearing platforms, such as the UnionPay clearing platform, the Network Union clearing platform, etc.

[0029] As Figure 1 shown, the method for processing the resource includes:

[0030] Step 101, obtain a resource processing request sent by a second system, where the processing request includes information about a resource receiving account, information about a resource transferring account, and the amount of the resource to be processed.

[0031] In the present application, a user can transfer a resource from one account to another through a corresponding application on a terminal. At this time, the second system corresponding to the application can obtain a resource processing request. The resource here can be funds, points, game coins, electronic vouchers, etc. The resource processing request may include information about a resource receiving account, information about a resource transferring account, the amount of the resource to be processed, etc.

[0032] The second system can be pre-registered on an enterprise website such as an e-commerce platform and enable the resource processing service. The second system can interface with the resource processing interface of the enterprise website. After receiving a resource processing request, the second system can call the resource processing interface and send the resource processing request to the first system, whereby the first system can obtain the resource processing request sent by the second system.

[0033] Among them, the information of the resource receiving account may include the account number of the resource receiving account, the name of the affiliated user, identity information, contact information, etc.; the information of the resource transferring account may also include the account number of the resource transferring account, the name of the affiliated user, identity information, contact information, etc.; the resource volume to be processed is the resource volume transferred from the resource transferring account to the resource receiving account.

[0034] Taking the recharge from a first-class account of a bank to a second-class account as an example, the first-class account is the resource transferring account, the second-class account is the resource receiving account, and the recharge amount is the resource volume to be processed. Among them, the opening banks of the first-class account and the second-class account can be the same or different.

[0035] The banking system to which the second-class account belongs has been registered on the enterprise website and enabled the second-class account recharge service. The user can fill in the recharge amount on the application (APP) of the opening bank of the second-class account. Then, the system corresponding to the opening bank APP (i.e., the second system) can obtain the resource processing request, and the second system can send the resource processing request to the first system. Here, the resource processing request includes the information of the first-class account, the information of the second-class account, the recharge amount, etc. Among them, the information of the first-class account and the information of the second-class account may include the bank card number, the name of the affiliated user, identity information, contact information, etc.

[0036] Step 102: Send a resource deduction request to the third system to which the resource transferring account belongs through any clearing platform. Among them, the deduction request includes the information of the resource transferring account and the resource volume to be processed.

[0037] In this application, the first system can interface with multiple clearing platforms, and each clearing platform can be connected to multiple resource systems, such as multiple bank systems. After obtaining the resource processing request sent by the second system, the first system can send a resource deduction request to the third system to which the resource transferring account belongs through any one of the multiple clearing platforms, so that the third system transfers the resources corresponding to the resource volume to be processed from the resource transferring account. Among them, the deduction request includes the information of the resource transferring account, the resource volume to be processed, etc.

[0038] For example, when a user recharges from a first-class bank account to a second-class account, the first system may send a resource deduction request to the bank system to which the first-class account belongs through any corresponding clearing platform, so that the bank system to which the first-class account belongs deducts the recharge amount from the first-class account according to the resource deduction request. For example, if the recharge amount entered by the user is 100 yuan, then after receiving the resource deduction request, the bank system to which the first-class account belongs may deduct 100 yuan from the first-class account.

[0039] Step 103: In response to obtaining the resource deduction success information fed back by the third system, send a resource transfer request to the fourth system to which the resource receiving account belongs through any clearing platform.

[0040] In this application, after processing the resource deduction request, the third system may return the resource deduction result information to the first system. If the resource deduction is successful, it feeds back the resource deduction success information to the first system. If the resource deduction fails, it feeds back the resource deduction failure information to the first system.

[0041] When the first system obtains the resource deduction success information fed back by the third system, it may send a resource transfer request to the fourth system to which the resource receiving account belongs through any clearing platform, so that the fourth system transfers the resources corresponding to the resource amount to be processed to the resource receiving account. Among them, the transfer request may include information such as the resource receiving account and the resource amount to be processed.

[0042] For example, when a user recharges from a first-class bank account to a second-class account, the first system obtains the resource deduction success information fed back by the bank system to which the first-class account belongs through the clearing platform. At this time, the first system may send a resource transfer request to the bank system to which the second-class account belongs through this clearing platform. After receiving the resource transfer request, the bank system to which the second-class account belongs transfers the corresponding recharge amount to the second-class account. For example, if the bank system to which the first-class account belongs transfers 100 yuan from the first-class account, after obtaining the resource transfer request, the bank system to which the second-class account belongs may transfer 100 yuan to the second-class account.

[0043] It should be noted that although the second system and the fourth system in this application are both related to the resource receiving account, the functions of the two systems are different. For example, taking the recharge of a second-class account of Bank A as an example, both the second system and the fourth system are the systems of Bank A, but the second system is the system corresponding to the Bank A APP, and this system does not have the function of transferring funds. The fourth system connected to the clearing platform has the function of transferring funds and can process resource transfer requests.

[0044] In the related art, when a user recharges a Class II account with a Class I account, the recharge is carried out through the UnionPay channel. If the UnionPay interface cannot be used, the recharge will fail. Moreover, the number of banks connected to UnionPay is limited. When the bank where the Class I account and / or the Class II account belongs is not connected to UnionPay, the recharge cannot be carried out either.

[0045] In this application, the first system can correspond to multiple clearing platforms. Then, when one of the clearing platforms cannot be used or is not connected to the banking system where the Class I account and / or the Class II account belongs, other clearing platforms can be used for processing. Moreover, since the first system corresponds to multiple clearing platforms, the number of connected banking systems is relatively large, which improves the scope of application.

[0046] The resource processing method of the embodiment of this application is applied to the first system. The first system corresponds to multiple clearing platforms. By obtaining a resource processing request sent by the second system, through any clearing platform, a resource deduction request is sent to the third system to which the resource transfer-out account belongs. In response to obtaining the resource deduction success information fed back by the third system, through any clearing platform, a resource transfer-in request is sent to the fourth system to which the resource receiving account belongs. Thus, after obtaining the resource processing request, the first system can, through any one of the corresponding multiple clearing platforms, send a resource deduction request and a resource transfer-in request, realizing the diversification of the resource processing channels, reducing the channel access cost, and having a wide scope of application.

[0047] To improve the security of resource processing, in an embodiment of this application, when the first system sends a resource deduction request, it can first go through a series of validations before sending the resource deduction request. The following is combined with Figure 2 for illustration. Figure 2 FIG. is a schematic flowchart of another resource processing method provided by the embodiment of this application.

[0048] As Figure 2 shown, the resource processing method includes:

[0049] Step 201: Obtain a resource processing request sent by the second system, where the processing request includes information about the resource receiving account, information about the resource transfer-out account, and the amount of resources to be processed.

[0050] In this application, Step 201 is similar to Step 101 above, so it will not be elaborated here.

[0051] Step 202: Validate the processing request.

[0052] In this application, after the first system obtains a resource processing request, it can verify the processing request. When the first system verifies the processing request, it can verify the parameters in the processing request, such as the information of the resource receiving account, the information of the resource transferring account, the amount of resources to be processed, etc. It can verify whether the user identity information of the resource receiving account matches the user identity information of the resource transferring account, and whether the amount of resources to be processed meets the preset conditions.

[0053] Among them, the preset conditions may include, but are not limited to, that the amount of resources to be processed is a positive number, the amount of resources to be processed is less than or equal to a preset threshold, etc.

[0054] If the user identity information of the resource receiving account matches the user identity information of the resource transferring account, and the amount of resources to be processed meets the preset conditions, it can be considered that the resource processing request passes the verification.

[0055] Taking the recharge from a Class I account to a Class II account as an example, usually a limit for recharging to a Class II account will be set. When a user uses a Class I account to recharge a Class II account, the first system can verify whether the user name and ID number of the Class I account are the same as those of the Class II account in the resource processing request, and whether the recharge amount is less than or equal to the limit. When the user identity information corresponding to the Class I account is the same as the user identity information corresponding to the Class II account, and the recharge amount meets the requirements, it can be considered that the resource processing request is verified successfully.

[0056] To improve security, when the second system generates a resource processing request according to the user's operation, it can encrypt the message of the resource processing request. Then, after the first system obtains the resource processing request sent by the second system, it can first decrypt the resource processing request and verify the signature information. After the signature verification passes, it can then verify the parameters in the resource processing request.

[0057] Step 203, in response to the processing request passing the verification, send a signing request to the third system through any clearing platform.

[0058] In this application, the first system corresponds to multiple clearing platforms. In response to the processing request passing the verification, the first system can send a signing request to the third system to which the resource transferring account belongs through any clearing platform. Among them, the signing request may include the information of the resource transferring account, such as the user name, identity information, contact information, etc. of the resource transferring account.

[0059] Step 204, obtain the resource confirmation request sent by the second system, where the confirmation request is triggered by the second system after obtaining the verification code generated by the third system based on the signing request.

[0060] In this application, after receiving a signing request, the third system can verify the signing request. For example, it can verify whether the information of the resource transfer-out account in the signing request is consistent with the information of the resource transfer-out account stored in the third system. If they are consistent, it can be considered that the signing request verification is successful. At this time, the third system can feedback the verification result of the signing request to the first system through the clearing platform.

[0061] If the signing request verification is successful, the third system can also send a verification code to the user through the contact information in the signing request. For example, it can send a short message verification code to the user's mobile phone number. After the user's terminal device receives the verification code, the user can input the verification code in the interface of the corresponding application on the terminal device. Correspondingly, the second system corresponding to the application triggers a resource confirmation request based on the verification code.

[0062] For example, when the user recharges from a first-class account of Bank B to a second-class account of Bank A on the Bank A APP and enters the recharge amount. After the first system obtains the resource processing request sent by the system corresponding to the Bank A APP and verifies the resource processing request, it sends a signing request to the Bank B system through the clearing platform after the resource processing request verification passes. The Bank B system verifies the signing request. After the signing request verification passes, it sends a short message verification code to the mobile phone number reserved by the user in Bank B. The user inputs the short message verification code on the Bank A APP. Then, after the system corresponding to the Bank A APP obtains the short message verification code input by the user, it can trigger a resource confirmation request, and the system corresponding to the Bank A APP sends a resource confirmation request to the first system.

[0063] Step 205: Verify the confirmation request.

[0064] In this application, after the first system obtains the confirmation request sent by the second system, it verifies the confirmation request. When verifying the confirmation request, it can verify whether the confirmation request carries a verification code. If the confirmation request carries a verification code, it can be considered that the confirmation request verification passes.

[0065] Alternatively, the second system generates a corresponding resource processing identifier based on the user operation. The resource processing request sent by the second system to the first system may also include the resource processing identifier, which is called the first resource processing identifier for the sake of distinction. After the first system verifies the resource processing request and passes, it can save the resource processing information corresponding to the resource processing request, such as information such as the resource processing identifier, the information of the resource receiving account, the information of the resource transfer-out account, and the amount of resources to be processed.

[0066] When the first system verifies the confirmation request, it can verify whether the confirmation request carries a verification code and a second resource processing identifier, and whether the second resource processing identifier matches the first resource processing identifier. Among them, the matching of the second resource processing identifier and the first resource processing identifier indicates that the first system stores the resource processing information corresponding to the second resource processing identifier.

[0067] If the confirmation request carries a verification code and the second resource processing identifier matches the first resource processing identifier, it can be considered that the confirmation request passes the verification. Thus, by verifying whether the confirmation request carries a verification code and a second resource processing identifier, and whether the second resource processing identifier matches the first resource processing identifier, the security of resource processing is improved.

[0068] Taking the recharge from a Class I account of Bank B to a Class II account of Bank A as an example, when the user enters the recharge amount on the Bank A APP, the system corresponding to the Bank A APP will generate a resource processing identifier, that is, an order number, which can be carried in the resource processing request and sent to the first system. After the first system passes the verification of the resource processing request, it can save the order, including the order number, the information of the Class I account, the information of the Class II account, the recharge amount, etc.

[0069] The first system sends a signing request to the Bank B system. The Bank B system verifies the signing request. After the signing request passes the verification, it sends a SMS verification code to the mobile phone number reserved by the user in Bank B. The user enters the SMS verification code on the Bank A application. After the system corresponding to the Bank A APP obtains the SMS verification code entered by the user, it can trigger a resource confirmation request. The system corresponding to the Bank A APP sends a resource confirmation request to the first system. The first system verifies whether the confirmation request carries a SMS verification code, and whether the order number carried in the confirmation request matches the previously stored order number, that is, verifies whether the order corresponding to the confirmation request is an existing order.

[0070] Step 206, in response to the confirmation request passing the verification, send the confirmation request to the third system.

[0071] In this application, the first system, in response to the confirmation request passing the verification, sends the confirmation request to the third system so that the third system verifies the confirmation request.

[0072] Since the confirmation request is triggered by the second system after obtaining the verification code generated by the third system, in order to improve the security of resource processing, after the third system obtains the confirmation request, it can verify whether the verification code carried in the confirmation request is consistent with the verification code previously generated by the third system. If they are consistent, it can be considered that the confirmation request passes the verification, and the third system can feedback to the first system that the confirmation request passes the verification information; if they are inconsistent, the third system can feedback to the first system that the confirmation request fails the verification information.

[0073] Taking the recharge from a Class-I account of Bank B to a Class-II account of Bank A as an example, the system corresponding to the Bank A APP sends a resource confirmation request to the first system. After the first system passes the verification of the resource confirmation request, it sends the resource confirmation request to the Bank B system. The Bank B system verifies whether the SMS verification code carried in the confirmation request is consistent with the SMS verification code sent to the mobile phone number reserved by the user in Bank B before, that is, verifies whether the SMS verification code entered by the user is consistent with the SMS verification code sent to the user before. If they are consistent, it can be considered that the verification of the confirmation request passes, and the Bank B system can feedback the information that the verification of the confirmation request passes to the first system.

[0074] Step 207, in response to obtaining the information that the verification of the confirmation request passed feedback by the third system, send a resource deduction request to the third system through any clearing platform.

[0075] The first system responds to obtaining the information that the verification of the confirmation request passed feedback by the third system, that is, after the identity verification passes, the resource processing process can start. The first system can send a resource deduction request to the third system through any clearing platform, so that the third system deducts the resources corresponding to the amount of resources to be processed from the resource transfer-out account.

[0076] Step 208, in response to obtaining the information that the resource deduction was successful feedback by the third system, send a resource transfer-in request to the fourth system to which the resource receiving account belongs through any clearing platform.

[0077] In this embodiment, steps 207 - 208 are similar to the above steps 102 - 103, so they will not be elaborated here.

[0078] In the embodiment of the present application, when sending a resource deduction request to the third system to which the resource transfer-out account belongs through any clearing platform, the first system can verify the processing request. After the processing request passes the verification, it sends a signing request to the third system and obtains the resource confirmation request sent by the second system, where the confirmation request is triggered by the second system after obtaining the verification code generated by the third system based on the signing request. The first system verifies the confirmation request. After the confirmation request passes the verification, it sends the confirmation request to the third system. In response to obtaining the information that the verification of the confirmation request passed feedback by the third system, it sends a resource deduction request to the third system. Thus, after a series of identity verifications pass, the resource processing process starts, improving the security of resource processing.

[0079] To facilitate knowing the resource processing process, in an embodiment of the present application, the first system sends a resource transfer-in request to the fourth system to which the resource receiving account belongs. The fourth system processes the resource transfer-in request and feedbacks the resource transfer-in result feedback information to the first system.

[0080] Then, after sending the resource transfer request to the fourth system to which the resource receiving account belongs, the first system can obtain the resource transfer result feedback information fed back by the fourth system. Among them, the resource transfer result feedback information may be resource transfer failure information or resource transfer success information. If the resource transfer result information is resource transfer success information, the first system can also feed back resource processing success information to the second system.

[0081] In an embodiment of the present application, after the first system obtains the resource transfer failure information, it can also initiate a resource return request to return the resource to the resource transfer account. The following will be described in conjunction with Figure 3 for illustration. Figure 3 FIG. is a schematic flowchart of another resource processing method provided by an embodiment of the present application.

[0082] As Figure 3 shown, after sending the resource transfer request to the fourth system to which the resource receiving account belongs, the method further includes:

[0083] Step 301, obtain the resource transfer result feedback information fed back by the fourth system, where the resource transfer result feedback information is resource transfer failure information.

[0084] In the present application, the first system can obtain the resource transfer result feedback information fed back by the fourth system, where the resource transfer result information feedback information is resource failure information.

[0085] Step 302, send a resource return request to the third system through any clearing platform, where the resource return request includes the information of the resource transfer account and the amount of resources to be processed.

[0086] After the first system obtains the resource transfer failure information fed back by the fourth system, it can send a resource return request to the third system through any clearing platform, where the resource return request may include the information of the resource transfer account and the amount of resources to be processed.

[0087] After the third system obtains the resource return request, it can return the resources corresponding to the amount of resources to be processed to the resource transfer account and feed back the resource return result to the first system.

[0088] For example, when recharging from a bank secondary account to a bank primary account, if the first system obtains the resource transfer failure information fed back by the bank system to which the secondary account belongs, the first system can send a refund request to the bank system to which the primary account belongs through the clearing platform, so that the bank system to which the primary account belongs processes the refund request, returns the transferred recharge amount to the primary account, and feeds back the refund result to the first system. After the first system obtains the refund result, it can feed back the recharge failure result to the system corresponding to the bank APP.

[0089] In an embodiment of the present application, after obtaining the resource transfer result feedback information fed back by the fourth system, the first system can also send a resource return request to the third system through any clearing platform to return the resources corresponding to the resource volume to be processed to the resource transfer account.

[0090] In the above embodiment, the first system corresponds to multiple clearing platforms. The first system sends a contract signing request and a resource deduction request to the third system through the clearing platform, and sends a resource transfer request to the second system. In order to achieve system decoupling, the third system and the payment system can also be introduced. The fifth system is connected to multiple clearing platforms. The first system sends a contract signing request and a resource deduction request to the fifth system, and the fifth system sends and resource deduction requests to the third system through any clearing platform. The first system sends a resource transfer request to the fifth system through the payment system, and the fifth system sends it to the fourth system to which the corresponding resource receiving account belongs through any clearing platform. The following is combined with Figure 4 Take the recharge of the second type of bank account as an example. Figure 4 A schematic diagram of a process for recharging a second type of account provided in an embodiment of the present application.

[0091] Figure 4 The bank system in the enterprise website is pre-registered and the second-class account recharge service is enabled. Then, the bank system can connect to the second-class account recharge request interface and reconciliation file download interface of the enterprise website.

[0092] Figure 4 In the process, the user enters the amount on the bank APP and submits the recharge. The bank system (second system) corresponding to the bank APP calls the second-class account recharge request interface of the enterprise station, and the first system obtains the recharge request sent by the bank system. After the first system obtains the recharge request, it verifies the first-class account, second-class account, recharge amount and other information in the recharge request parameters, and verifies whether the second-class account recharge permission of the bank system is enabled. After the verification is passed, the first system can collect and store the order corresponding to the recharge request. If the recharge request fails the verification, the first system returns the transaction failure result to the bank, that is, the bank system obtains the information of the recharge failure.

[0093] After the first system successfully collects and stores the order, it can report to the risk control system for contract risk control verification. After the contract risk control verification is passed, a contract request is initiated and sent to the fifth system. The fifth system sends the contract request to the bank system to which the first type of account belongs for verification through any clearing platform connected to it. The bank system to which the first type of account belongs verifies the contract request. If the verification is successful, a text message is sent to the mobile phone number corresponding to the first type of account, and the verification result is fed back to the fifth system through the clearing platform ( Figure 4(not shown in the figure). The fifth system feeds back the signing request verification result to the first system. The first system determines whether the signing request verification is successful. If it fails, it returns a recharge failure to the banking system. If it is successful, it returns that the transaction is being processed to the banking system.

[0094] The user enters the SMS verification code on the banking APP according to the SMS verification code sent by the banking system to which the first-class account belongs. The banking system generates a recharge confirmation request, calls the recharge confirmation interface of the enterprise station, and sends the recharge confirmation request to the first system. The first system decrypts the recharge confirmation request message, verifies the signature information. After successful verification, it checks whether the recharge confirmation request carries the SMS verification code and the order number, and whether the order number already exists locally.

[0095] After the first system passes the verification of the recharge confirmation request, it sends the recharge confirmation request to the fifth system, and the fifth system sends it to the banking system to which the first-class account belongs for verification through the clearing platform. The banking system to which the first-class account belongs checks whether the SMS verification code in the recharge confirmation request is consistent with the previously sent SMS verification code, and feeds back the verification result to the fifth system (not shown in the figure). The fifth system returns the obtained confirmation result to the first system.

[0096] The first system determines whether the SMS verification is successful. If the SMS verification fails, it returns a recharge failure to the banking system. If the SMS verification is successful, the first system writes a payment request. If the payment request is written successfully, it reports a payment risk control verification to the risk control system. After the risk control system passes the payment risk control verification, the first system initiates a deduction request and sends the deduction request to the fifth system.

[0097] The fifth system sends the deduction request to the banking system to which the first-class account belongs for deduction through the clearing platform. The banking system to which the first-class account belongs feeds back the deduction result to the fifth system (not shown in the figure). The fifth system feeds back the deduction result to the first system, and the first system determines whether the deduction is successful. If the deduction fails, it returns a recharge failure to the banking system. If the deduction is successful, it initiates a payment request on behalf of others and sends the payment request on behalf of others to the payment system on behalf of others. The payment system on behalf of others sends the payment request on behalf of others to the fifth system.

[0098] The fifth system sends the payment request on behalf of others to the banking system to which the second-class account belongs for recharge through the clearing platform. The banking system to which the second-class account belongs feeds back the payment result on behalf of others to the fifth system ( Figure 4(not shown). The fifth system returns the payment result to the first system through the payment-on-behalf system, and the first system determines whether the payment-on-behalf is successful. If the payment-on-behalf is successful, the first system returns a successful recharge to the bank system. If the payment-on-behalf fails, the first system initiates a refund request and sends the refund request to the fifth system. The fifth system sends the refund request to the bank system to which the first-class account belongs through the clearing platform. The bank system to which the first-class account belongs processes the refund request and feeds back the refund result to the fifth system. The fifth system returns the refund result to the first system, and the first system returns a failed recharge result to the bank system.

[0099] The bank system can download the second-class account recharge reconciliation file of the previous day through the reconciliation file download interface to reconcile with the second-class account recharge reconciliation file stored locally.

[0100] To implement the above embodiments, an embodiment of the present application also proposes a processing device for resources. Figure 5 It is a schematic structural diagram of a processing device for resources provided by an embodiment of the present application.

[0101] The processing device for resources in the embodiment of the present application can be applied to the first system, where the first system corresponds to multiple clearing platforms.

[0102] As Figure 5 shown, the processing device for resources may include: an acquisition module 510 and a sending module 520.

[0103] The acquisition module 510 is configured to acquire a resource processing request sent by the second system, where the processing request includes information of a resource receiving account, information of a resource transferring account, and an amount of resources to be processed;

[0104] The sending module 520 is configured to send a resource deduction request to the third system to which the resource transferring account belongs through any clearing platform, where the deduction request includes the information of the resource transferring account and the amount of resources to be processed;

[0105] The sending module 520 is further configured to, in response to obtaining the resource deduction success information fed back by the third system, send a resource transfer request to the fourth system to which the resource receiving account belongs through the any clearing platform, where the transfer request includes the information of the resource receiving account and the amount of resources to be processed.

[0106] In a possible implementation manner of the embodiment of the present application, the sending module 520 includes:

[0107] A first verification unit for verifying the processing request;

[0108] A sending unit, configured to send a signing request to the third system through any one of the clearing platforms in response to passing the verification of the processing request;

[0109] An obtaining unit, configured to obtain a resource confirmation request sent by the second system, where the confirmation request is triggered by the second system after obtaining a verification code generated by the third system based on the signing request;

[0110] A second verification unit, configured to verify the confirmation request;

[0111] The sending unit is further configured to send the confirmation request to the third system in response to passing the verification of the confirmation request;

[0112] The sending unit is further configured to send the resource deduction request to the third system through any one of the clearing platforms in response to obtaining information indicating that the verification of the confirmation request by the third system has passed.

[0113] In a possible implementation manner of the embodiment of the present application, the first verification unit is configured to:

[0114] Verify whether the user identity information of the resource receiving account matches the user identity information of the resource transferring account, and whether the amount of the resource to be processed meets a preset condition.

[0115] In a possible implementation manner of the embodiment of the present application, the processing request further includes a first resource processing identifier, and the second verification unit is configured to:

[0116] Verify whether the confirmation request carries a verification code and a second resource processing identifier, and whether the second resource processing identifier matches the first resource processing identifier.

[0117] In a possible implementation manner of the embodiment of the present application, the obtaining module 510 is further configured to:

[0118] Obtain a resource transfer result feedback message fed back by the fourth system.

[0119] In a possible implementation manner of the embodiment of the present application, the resource transfer result feedback message is a resource transfer failure message, and the sending module 520 is further configured to:

[0120] Send a resource return request to the third system through any one of the clearing platforms, where the resource return request includes information about the resource transferring account and the amount of the resource to be processed.

[0121] It should be noted that the above explanation of the embodiment of the resource processing method also applies to the resource processing device of this embodiment, so it will not be repeated here.

[0122] The resource processing device according to the embodiment of the present application is applied to a first system. The first system corresponds to multiple clearing platforms. By obtaining a resource processing request sent by a second system, and through any one of the clearing platforms, a resource deduction request is sent to a third system to which the resource transfer-out account belongs. In response to obtaining the resource deduction success information fed back by the third system, through any one of the clearing platforms, a resource transfer-in request is sent to a fourth system to which the resource receiving account belongs. Thus, after obtaining the resource processing request, the first system can send a resource deduction request and a resource transfer-in request through any one of the corresponding multiple clearing platforms, realizing the diversification of the resource processing channels, reducing the channel access cost, and having a wide range of applications.

[0123] To implement the above embodiment, the embodiment of the present application also proposes a computer device, including a processor and a memory;

[0124] Wherein, the processor runs a program corresponding to the executable program code by reading the executable program code stored in the memory, so as to implement the resource processing method as described in the above embodiment.

[0125] To implement the above embodiment, the embodiment of the present application also proposes a non-temporary computer-readable storage medium, on which a computer program is stored. When the program is executed by a processor, it implements the resource processing method as described in the above embodiment.

[0126] To implement the above embodiment, the embodiment of the present application also proposes a computer program product, characterized in that it includes a computer program, and when the computer program is executed by a processor, it implements the resource processing method according to the above embodiment.

[0127] In the description of this specification, the terms "first" and "second" are only used for descriptive purposes, and cannot be understood as indicating or implying relative importance or implicitly specifying the quantity of the indicated technical features. Thus, the features defined with "first" and "second" may explicitly or implicitly include at least one of such features. In the description of the present application, the meaning of "multiple" is at least two, such as two, three, etc., unless otherwise specifically and clearly defined.

[0128] Although the embodiments of the present application have been shown and described above, it can be understood that the above embodiments are exemplary and cannot be construed as limiting the present application. Those of ordinary skill in the art can make changes, modifications, substitutions, and variations to the above embodiments within the scope of the present application.

Claims

1. A method for processing resources, characterized in that, applied to the first system, includes: Obtain a resource processing request sent by the second system, where the processing request includes information of the resource receiving account, information of the resource transferring account, and the amount of resources to be processed. The resource receiving account is a second-class bank account, and the second system is the system corresponding to the bank's mobile banking APP of the second-class bank account; Initiate a deduction request, send the deduction request to the fifth system, and through the fifth system, through any clearing platform, send a resource deduction request to the third system to which the resource transferring account belongs. The fifth system is connected to multiple clearing platforms. The resource transferring account is a first-class bank account, and the deduction request includes information of the resource transferring account and the amount of resources to be processed; In response to obtaining the resource deduction success information fed back by the fifth system, initiate a payment request, send the payment request to the payment system, and the payment system sends it to the fifth system. Through the fifth system, through the any clearing platform, send a resource transfer request to the fourth system to which the resource receiving account belongs. The fourth system is the bank system to which the second-class bank account belongs, and the transfer request includes information of the resource receiving account and the amount of resources to be processed; Obtain the payment result fed back by the fifth system; The method further includes: If the any clearing platform cannot be used or is not connected to the third system and / or the fourth system, process through other clearing platforms.

2. The method according to claim 1, characterized in that, The sending a resource deduction request to the third system to which the resource transferring account belongs through the any clearing platform includes: Verify the processing request; In response to the processing request passing the verification, send a signing request to the third system through the any clearing platform; Obtain a resource confirmation request sent by the second system, where the confirmation request is triggered by the second system after obtaining the verification code generated by the third system based on the signing request; Verify the confirmation request; In response to the confirmation request passing the verification, send the confirmation request to the third system; In response to obtaining the information that the confirmation request fed back by the third system passes the verification, send the resource deduction request to the third system through the any clearing platform.

3. The method according to claim 2, characterized in that, The verifying the processing request includes: Verify whether the user identity information of the resource receiving account matches the user identity information of the resource transferring account, and whether the amount of resources to be processed meets the preset conditions.

4. The method according to claim 2, characterized in that, The processing request further includes a first resource processing identifier. The verifying the confirmation request includes: Verify whether the confirmation request carries a verification code and a second resource processing identifier, and whether the second resource processing identifier matches the first resource processing identifier.

5. The method according to any one of claims 1-4, characterized in that, After sending a resource transfer request to the fourth system to which the resource receiving account belongs, it further includes: Obtaining the resource transfer result feedback information fed back by the fourth system.

6. The method according to claim 5, characterized in that when the resource transfer result feedback information is a resource transfer failure information, after obtaining the resource transfer result feedback information fed back by the fourth system, it further includes: Sending a resource return request to the third system through any of the clearing platforms, where the resource return request includes the information of the resource transfer account and the amount of the resource to be processed.

7. A resource processing device, characterized in that applied to the first system, it includes: An obtaining module, configured to obtain a resource processing request sent by the second system, where the processing request includes the information of the resource receiving account, the information of the resource transfer account, and the amount of the resource to be processed, the resource receiving account is a bank secondary account, and the second system is the system corresponding to the bank's mobile banking APP of the bank secondary account; A sending module, configured to initiate a deduction request, send the deduction request to the fifth system, and through the fifth system, send a resource deduction request to the third system to which the resource transfer account belongs through any of the clearing platforms, where the fifth system is connected to multiple clearing platforms, the resource transfer account is a bank primary account, and the deduction request includes the information of the resource transfer account and the amount of the resource to be processed; The sending module is further configured to, in response to obtaining the resource deduction success information fed back by the fifth system, initiate a payment request, send the payment request to the payment system, and the payment system sends it to the fifth system, and through the fifth system, send a resource transfer request to the fourth system to which the resource receiving account belongs through any of the clearing platforms, where the fourth system is the bank system to which the bank secondary account belongs, and the transfer request includes the information of the resource receiving account and the amount of the resource to be processed; The obtaining module is further configured to obtain the payment result fed back by the fifth system; The sending module is further configured to: If any of the clearing platforms cannot be used or is not connected to the third system and / or the fourth system, process it through other clearing platforms.

8. The device according to claim 7, characterized in that the sending module includes: A first verification unit, configured to verify the processing request; A sending unit, configured to, in response to the processing request passing the verification, send a signing request to the third system through any of the clearing platforms; An obtaining unit, configured to obtain a resource confirmation request sent by the second system, where the confirmation request is triggered by the second system after obtaining the verification code generated by the third system based on the signing request; A second verification unit, configured to verify the confirmation request; The sending unit is further configured to, in response to the confirmation request passing the verification, send the confirmation request to the third system. The sending unit is further configured to, in response to obtaining the information indicating that the confirmation request verification has passed fed back by the third system, send the resource deduction request to the third system through any one of the clearing platforms.

9. The apparatus according to claim 8, wherein: The first verification unit is configured to: Verify whether the user identity information of the resource receiving account matches the user identity information of the resource transferring account, and whether the resource amount to be processed meets a preset condition.

10. The apparatus according to claim 8, wherein: The processing request further includes a first resource processing identifier, and the second verification unit is configured to: Verify whether the confirmation request carries a verification code and a second resource processing identifier, and whether the second resource processing identifier matches the first resource processing identifier.

11. The apparatus according to any one of claims 7-10, wherein: The obtaining module is further configured to: Obtain the resource transfer result feedback information fed back by the fourth system.

12. The apparatus according to claim 11, wherein: When the resource transfer result feedback information is resource transfer failure information, the sending module is further configured to: Send a resource return request to the third system through any one of the clearing platforms, where the resource return request includes the information of the resource transferring account and the resource amount to be processed.

13. A computer device, wherein: It includes a processor and a memory; Wherein, the processor runs a program corresponding to the executable program code by reading the executable program code stored in the memory, so as to implement the resource processing method according to any one of claims 1-6.

14. A non-transitory computer-readable storage medium, on which a computer program is stored, wherein: When the program is executed by a processor, it implements the resource processing method according to any one of claims 1-6.

15. A computer program product, wherein: It includes a computer program, and when the computer program is executed by a processor, it implements the resource processing method according to any one of claims 1-6.

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