Method and apparatus for processing resource transfer request, computer device, and storage medium

Abstract

The present disclosure relates to the technical field of big data processing, and particularly relates to a resource transfer request processing method and device, computer equipment, a storage medium and a computer program product. The method comprises: responding to a resource transfer request of a service institution sent by a terminal through a resource interaction system, obtaining an account identifier corresponding to the resource transfer request, determining a virtual account corresponding to the account identifier, the virtual account being established according to the service institution in the resource interaction system and being associated with a user account through the account identifier; processing the resource transfer request by using the virtual account and / or the user account, and generating a processing result of the resource transfer request. The method can directly connect to an existing resource interaction system, process the resource transfer request of the service institution based on the virtual account of the service institution where the terminal is located and the existing user account, thereby reducing the processing cost of the resource transfer request and improving the processing efficiency of the resource transfer request.

Description

Technical Field

[0001] This disclosure relates to the field of big data processing technology, and in particular to a method, apparatus, computer device, storage medium, and computer program product for processing resource transfer requests. Background Technology

[0002] Currently, most consumer venues have their own independent industry-specific prepaid card management systems. Users can open and top up their cards through these systems to obtain their own industry-specific prepaid cards. Users can then directly use these cards for payments at the venue. For example, seniors can register for an industry-specific payment card at elderly care facilities to make payments in the facility's cafeteria, supermarket, and bathrooms.

[0003] In traditional methods, technicians first need to write corresponding programs based on the industry's stored-value card management processes, such as card issuance, top-up, offline payment, and cancellation, to establish an industry stored-value card management system. Then, industry stored-value card acceptance terminals corresponding to the management system need to be configured. Users can then use their stored-value cards for payments at these terminals. However, with traditional payment methods, because stored-value cards from different venues cannot be shared, each venue needs to build its own industry stored-value card management system, which can be time-consuming and labor-intensive. Summary of the Invention

[0004] Therefore, it is necessary to provide a highly efficient method, apparatus, computer device, computer-readable storage medium, and computer program product for processing resource transfer requests, addressing the aforementioned technical problems.

[0005] Firstly, this disclosure provides a method for processing resource transfer requests. Applied to a resource interaction system, the method includes:

[0006] In response to a resource transfer request from a service provider sent by a terminal, an account identifier corresponding to the resource transfer request is obtained, wherein the account identifier is generated based on a user account in the resource interaction system;

[0007] Identify the virtual account corresponding to the account identifier, wherein the virtual account is established in the resource interaction system based on the service provider, and the virtual account is associated with the user account through the account identifier;

[0008] The resource transfer request is processed using the virtual account and / or the user account to generate a processing result for the resource transfer request.

[0009] In one embodiment, the step of obtaining the account identifier corresponding to the resource transfer request in response to a service provider's resource transfer request sent by the terminal includes:

[0010] In response to the resource transfer request, obtain the transfer resource parameters corresponding to the resource transfer request;

[0011] Before processing the resource transfer request using the virtual account and / or the user account and generating the processing result of the resource transfer request, the method further includes:

[0012] Obtain the remaining resource parameters corresponding to the virtual account;

[0013] In response to the comparison result that the remaining resource parameter is greater than or equal to the transfer resource parameter, the step of processing the resource transfer request using the virtual account and generating the processing result of the resource transfer request is executed.

[0014] In one embodiment, the method further includes:

[0015] In response to the comparison result that the remaining resource parameter is less than the transfer resource parameter, the step of processing the resource transfer request using the user account and generating the processing result of the resource transfer request is executed.

[0016] In one embodiment, the step of obtaining the account identifier corresponding to the resource transfer request in response to a service provider's resource transfer request sent by the terminal includes:

[0017] In response to the resource transfer request, the resource transfer request is decrypted to obtain the account identifier in the resource transfer request.

[0018] In one embodiment, the method further includes:

[0019] Based on the processing result of the resource transfer request, a response message corresponding to the processing result is generated;

[0020] The response message is encrypted to obtain a ciphertext response, which is then sent to the terminal.

[0021] Secondly, this disclosure also provides a method for processing resource transfer requests. Applied to a terminal, the method includes:

[0022] Obtain the account identifier and transfer resource parameters, wherein the account identifier is generated based on the user account in the resource interaction system;

[0023] Based on the account identifier and the transferred resource parameters, a resource transfer request for the corresponding service provider is generated;

[0024] The resource transfer request is sent to the resource interaction system to instruct the resource interaction system to process the resource transfer request and determine the virtual account corresponding to the account identifier. The virtual account is established in the resource interaction system according to the service organization where the terminal is located, and the virtual account is associated with the user account through the account identifier.

[0025] The system receives the processing result of the resource transfer request returned by the resource interaction system. The processing result is generated by the resource interaction system processing the resource transfer request using the virtual account and / or the user account.

[0026] In one embodiment, generating a resource transfer request for a corresponding service provider based on the account identifier and the transfer resource parameters includes: encrypting the account identifier and the transfer resource parameters to generate the resource transfer request.

[0027] In one embodiment, the processing result of receiving the resource transfer request returned by the resource interaction system includes:

[0028] Receive the encrypted response sent by the resource interaction system;

[0029] The ciphertext of the response is decrypted to obtain the processing result.

[0030] Thirdly, this disclosure also provides a processing apparatus for resource transfer requests. Applied to a resource interaction system, the apparatus includes:

[0031] The request-response module is used to respond to a resource transfer request from a service provider sent by the terminal and obtain an account identifier corresponding to the resource transfer request. The account identifier is generated based on the user account in the resource interaction system.

[0032] An account determination module is used to determine a virtual account corresponding to the account identifier. The virtual account is established in the resource interaction system according to the service provider where the terminal is located, and the virtual account is associated with the user account through the account identifier.

[0033] The request processing module is used to process the resource transfer request using the virtual account and / or the user account, and generate the processing result of the resource transfer request.

[0034] In one embodiment, the request-response module is further configured to:

[0035] In response to the resource transfer request, obtain the transfer resource parameters corresponding to the resource transfer request;

[0036] The request processing module includes:

[0037] The parameter acquisition unit is used to acquire the remaining resource parameters corresponding to the virtual account;

[0038] The parameter comparison unit is used to execute the step of processing the resource transfer request using the virtual account and generating the processing result of the resource transfer request in response to the comparison result that the remaining resource parameter is greater than or equal to the transfer resource parameter.

[0039] In one embodiment, the parameter comparison unit is further configured to, in response to a comparison result in which the remaining resource parameter is less than the transferred resource parameter, perform the step of processing the resource transfer request using the user account and generating a processing result for the resource transfer request.

[0040] In one embodiment, the request response module is further configured to respond to the resource transfer request by decrypting the resource transfer request to obtain the account identifier in the resource transfer request.

[0041] In one embodiment, the device further includes:

[0042] The message generation module is used to generate a response message corresponding to the processing result of the resource transfer request.

[0043] The message encryption module is used to encrypt the response message to obtain the ciphertext response and send the ciphertext response to the terminal.

[0044] Fourthly, this disclosure also provides a processing apparatus for resource transfer requests. Applied to a terminal, the apparatus includes:

[0045] The data acquisition module is used to acquire account identifiers and transfer resource parameters, wherein the account identifiers are generated based on user accounts in the resource interaction system;

[0046] The request generation module is used to generate a resource transfer request for the corresponding service provider based on the account identifier and the transfer resource parameters.

[0047] The request sending module is used to send the resource transfer request to the resource interaction system to instruct the resource interaction system to process the resource transfer request and determine the virtual account corresponding to the account identifier. The virtual account is established in the resource interaction system according to the service organization where the terminal is located, and the virtual account is associated with the user account through the account identifier.

[0048] The result receiving module is used to receive the processing result of the resource transfer request returned by the resource interaction system. The processing result is generated by the resource interaction system processing the resource transfer request using the virtual account and / or the user account.

[0049] In one embodiment, the request generation module is further configured to:

[0050] The account identifier and the resource transfer parameters are encrypted to generate the resource transfer request.

[0051] In one embodiment, the result receiving module includes:

[0052] The message receiving unit is used to receive the ciphertext response sent by the resource interaction system;

[0053] The message decryption unit is used to decrypt the ciphertext of the response and obtain the processing result.

[0054] Fifthly, this disclosure also provides a computer device. The computer device includes a memory and a processor, the memory storing a computer program, and the processor executing the computer program to implement the resource transfer request processing method described in any of the embodiments of the first aspect or any of the embodiments of the second aspect.

[0055] Sixthly, this disclosure also provides a computer-readable storage medium. The computer-readable storage medium stores a computer program thereon, which, when executed by a processor, implements the resource transfer request processing method described in any of the embodiments of the first aspect or the second aspect.

[0056] In a seventh aspect, this disclosure also provides a computer program product. The computer program product includes a computer program that, when executed by a processor, implements the resource transfer request processing method described in any of the embodiments of the first aspect or any of the embodiments of the second aspect.

[0057] The aforementioned method, apparatus, computer equipment, storage medium, and computer program product for processing resource transfer requests respond to resource transfer requests from service providers sent by terminals through a resource interaction system. They obtain an account identifier corresponding to the resource transfer request, which is generated based on user accounts within the resource interaction system. A virtual account corresponding to the account identifier is determined. This virtual account is established in the resource interaction system based on the service provider where the terminal is located, and it is associated with the user account through the account identifier. The resource transfer request is processed using the virtual account and / or the user account to generate a processing result. This approach eliminates the need to rebuild a complete resource interaction system; it can directly interface with existing resource interaction systems. By utilizing the virtual account established in the resource interaction system based on the service provider where the terminal is located, and associating the virtual account with existing user accounts in the resource interaction system, the resource transfer request from the terminal is processed using the virtual account and / or the user account. This reduces the processing cost of resource transfer requests and improves their processing efficiency.

[0058] Furthermore, by adopting the resource transfer request processing method provided in this disclosure, since the virtual account for processing resource transfer requests is established based on the service organization where the terminal is located, the service organization can manage the virtual account in a unified manner, thereby improving the management efficiency of the virtual account; and, without the need to connect to the processing systems of multiple service organizations, the dedicated use of the virtual account corresponding to the service organization can be directly realized in the resource interaction system, thereby improving the security of resource transfer request processing. Attached Figure Description

[0059] Figure 1 This is an application environment diagram of a resource transfer request processing method in one embodiment;

[0060] Figure 2 This is a flowchart illustrating a method for processing resource transfer requests in one embodiment;

[0061] Figure 3 This is a flowchart illustrating the steps for generating processing results in one embodiment;

[0062] Figure 4 This is a flowchart illustrating the result generation steps in another embodiment;

[0063] Figure 5 This is a flowchart illustrating a method for processing resource transfer requests in another embodiment;

[0064] Figure 6 This is a flowchart illustrating a method for processing resource transfer requests in one embodiment;

[0065] Figure 7This is a flowchart illustrating a method for processing resource transfer requests in one embodiment;

[0066] Figure 8 This is a flowchart illustrating a method for processing resource transfer requests in one embodiment;

[0067] Figure 9 This is a structural block diagram of a resource transfer request processing apparatus in one embodiment;

[0068] Figure 10 This is a structural block diagram of a resource transfer request processing apparatus in one embodiment;

[0069] Figure 11 This is an internal structural diagram of a computer device in one embodiment;

[0070] Figure 12 This is an internal structural diagram of a computer device in one embodiment. Detailed Implementation

[0071] To make the objectives, technical solutions, and advantages of this disclosure clearer, the following detailed description is provided in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the scope of this disclosure.

[0072] The resource transfer request processing method provided in this disclosure can be applied to, for example, Figure 1 In the application environment shown, terminal 102 communicates with server 104 via a network. A data storage system can store the data that server 104 needs to process. The data storage system can be integrated onto server 104 or located on a cloud or other network server. A resource interaction system is deployed on server 104, storing virtual accounts established based on the service organization to which terminal 102 belongs. Specifically, server 104 can respond to resource transfer requests from service organizations sent by terminal 102 through the resource interaction system, obtain the account identifier corresponding to the resource transfer request, determine the virtual account corresponding to the account identifier, process the resource transfer request using the virtual account and / or user account corresponding to the account identifier, and generate the processing result of the resource transfer request.

[0073] The terminal 102 can be, but is not limited to, various smartphones, smart POS machines (Point of Sales), and portable wearable devices. Portable wearable devices can include smartwatches, smart bracelets, and head-mounted devices. The server 104 can be implemented using a standalone server or a server cluster consisting of multiple servers.

[0074] In one embodiment, such as Figure 2As shown, a method for processing resource transfer requests is provided, which is applied to... Figure 1 Taking server 104 as an example, where a resource interaction system is deployed, the method includes the following steps:

[0075] Step S202: In response to the resource transfer request sent by the terminal, obtain the account identifier corresponding to the resource transfer request.

[0076] Step S204: Determine the virtual account corresponding to the account identifier.

[0077] Among them, resource transfer requests can be generated when a user conducts a transaction on the terminal.

[0078] Account identifiers can be generated based on user accounts in the resource interaction system. Account identifiers can include, but are not limited to, any one or more of the following identifying information: account name and account-related number.

[0079] A user account can be used to represent a physical account established by a user within a resource interaction system. In one example, if the resource interaction system is a bank's online transaction system, the user account could be the user's UnionPay account within that system. The account identifier could be the UnionPay card number corresponding to the UnionPay account.

[0080] A virtual account can be an account established within a resource interaction system based on the service provider to which the terminal is located, and the virtual account can be associated with the user account through an account identifier. In one example, the service provider can be, but is not limited to, any of a variety of institutions such as nursing homes, supermarkets, and canteens.

[0081] Specifically, the resource interaction system can store the association between account identifiers and virtual accounts. The server can respond to resource transfer requests from service providers sent by terminals through the resource interaction system, retrieving the account identifier corresponding to the resource transfer request from the request message. Based on the association between the account identifier and the virtual account, the server can query the resource interaction system to find the virtual account corresponding to the account identifier.

[0082] Step S206: Process the resource transfer request using a virtual account and / or a user account, and generate the processing result of the resource transfer request.

[0083] Specifically, when a virtual account meets preset conditions, the server can process resource transfer requests using the virtual account through the resource interaction system. This involves transferring resources corresponding to the request from the virtual account or transferring resources corresponding to the request into the virtual account, and generating a processing result for the resource transfer request. When a virtual account does not meet preset conditions, the server can process resource transfer requests using a user account through the resource interaction system, or simultaneously using both virtual and user accounts, and generate a processing result for the resource transfer request. The preset conditions can be that the number of resources corresponding to the virtual account meets the number of resources corresponding to the resource transfer request.

[0084] In one example, when a resource transfer request is a resource transfer-out request for a virtual account, if the resource interaction system determines that the number of resources corresponding to the virtual account is less than the number of resources corresponding to the resource transfer-out request, the server can determine that the virtual account does not meet the preset conditions. The server can then process the resource transfer request using a user account, deducting the corresponding number of resources from the user account, resulting in a successful processing result for the resource transfer request. Alternatively, the server can deduct the maximum number of resources that the virtual account can transfer, determine the remaining number of resources corresponding to the resource transfer request after deduction, and then deduct the number of resources corresponding to the remaining number from the user account.

[0085] In another example, if the resource interaction system determines that the number of resources corresponding to the virtual account is greater than or equal to the number of resources corresponding to the resource transfer request, the server can determine that the virtual account meets the preset conditions, process the resource transfer request using the virtual account, deduct the corresponding number of resources from the virtual account, and the processing result of the generated resource transfer request is successful.

[0086] In the above-mentioned method for processing resource transfer requests, the resource interaction system responds to the resource transfer request sent by the terminal from the service provider, obtains the account identifier corresponding to the resource transfer request, and determines the virtual account corresponding to the account identifier. The virtual account is established in the resource interaction system based on the service provider where the terminal is located. The resource transfer request is processed using the virtual account and / or user account to generate the processing result of the resource transfer request. There is no need to rebuild a complete resource interaction system. It can directly connect to the existing resource interaction system. By using the virtual account established in the resource interaction system based on the service provider where the terminal is located, the virtual account is associated with the existing user account in the resource interaction system. The resource transfer request sent by the terminal is processed using the virtual account and / or user account, thereby reducing the processing cost of resource transfer requests and improving the processing efficiency of resource transfer requests.

[0087] Furthermore, the resource transfer request processing method provided in this embodiment improves the management efficiency of virtual accounts because the virtual account for processing resource transfer requests is established based on the service organization where the terminal is located, and the service organization can manage the virtual account in a unified manner. Moreover, it does not require connection to the processing systems of multiple service organizations, and can directly realize the dedicated use of the virtual account corresponding to the service organization in the resource interaction system, thereby improving the security of resource transfer request processing.

[0088] In one embodiment, a method for creating an account in a resource interaction system is provided.

[0089] Specifically, the server can respond to a user-triggered user account creation operation by establishing a user account in the resource interaction system, generating and storing an account identifier corresponding to the user account. In response to a login request triggered by an administrator of the service organization, the server can log in to the service organization's management account in the resource interaction system. In response to a virtual account creation operation triggered by an administrator using the management account, the server can create a virtual account for the user in the resource interaction system and bind the user information and account identifier to the user's virtual account, so that in the resource interaction system, user accounts and virtual accounts can be associated with the same account identifier. Subsequently, users can use the account identifier to instruct the virtual account and / or user account in the resource interaction system to process resource conversion requests sent by terminals within the service organization.

[0090] The account creation method provided in this embodiment eliminates the need to repeatedly open multiple user accounts for different entities in the resource interaction system, reducing account creation costs. Furthermore, since the method does not require modification of existing user accounts, it further reduces the processing cost of resource transfer requests and improves their processing efficiency.

[0091] In one embodiment, such as Figure 3 As shown, before step S206, which processes the resource transfer request using a virtual account and / or a user account and generates the processing result of the resource transfer request, the following steps are also included:

[0092] Step S302: In response to the resource transfer request, obtain the transfer resource parameters corresponding to the resource transfer request.

[0093] Step S304: Obtain the remaining resource parameters corresponding to the virtual account.

[0094] Step S306: In response to the comparison result that the remaining resource parameter is greater than or equal to the transfer resource parameter, the step of processing the resource transfer request using a virtual account and generating the resource transfer request processing result is executed.

[0095] Specifically, the server can respond to a resource transfer request through the resource interaction system by obtaining the account identifier and transfer resource parameters corresponding to the resource transfer request. It then obtains the remaining resource parameters under the virtual account corresponding to the account identifier. The remaining resource parameters and the transfer resource parameters are compared to generate a comparison result. If the remaining resource parameters are greater than or equal to the transfer resource parameters, the server executes the step of processing the resource transfer request using the virtual account to generate a resource transfer request processing result.

[0096] In one example, the server can respond to the comparison result of the virtual account's remaining resource parameters being less than the transfer resource parameters through the resource interaction system, and generate a resource transfer request with a processing result of failure.

[0097] In this embodiment, by comparing the transfer resource parameters corresponding to the resource transfer request with the remaining resource parameters corresponding to the virtual account, and using the virtual account to process the resource transfer request when the remaining resource parameters are greater than or equal to the transfer resource parameters, the number of requests processed by the virtual account can be reduced, thereby improving the processing efficiency of the resource transfer request.

[0098] In one embodiment, such as Figure 4 As shown, the method for processing resource transfer requests also includes:

[0099] Step S402: In response to the comparison result that the remaining resource parameter is less than the transfer resource parameter, obtain the user account corresponding to the account identifier.

[0100] Step S404: Process the resource transfer request using the user account and generate the processing result of the resource transfer request.

[0101] Specifically, the resource interaction system can store user accounts created by users, as well as the correspondence between user accounts and account identifiers. The server can respond to the comparison result of the virtual account's remaining resource parameters being less than the transfer resource parameters corresponding to the resource transfer request through the resource interaction system, and execute the step of processing the resource transfer request using the user account to generate a processing result for the resource transfer request. This involves retrieving the user account corresponding to the account identifier, processing the resource transfer request using the user account, and generating a processing result for the resource transfer request.

[0102] In one example, the server can obtain user resource parameters corresponding to a user account through a resource interaction system and compare these user resource parameters with the transfer resource parameters. In response to the comparison result that the user resource parameters are greater than or equal to the transfer resource parameters, the server can process the resource transfer request using the user account and generate a processing result for the resource transfer request.

[0103] In another example, if the user resource parameter corresponding to the user account is less than the transfer resource parameter, the server can respond to the comparison result of the user resource parameter being less than the transfer resource parameter through the resource interaction system, and generate a resource request processing result of failure.

[0104] In this embodiment, by responding to the comparison result that the remaining resource parameters of the virtual account are less than the transfer resource parameters of the resource transfer request, the user account corresponding to the account identifier is used to process the resource transfer request, which can improve the processing success rate of the resource transfer request.

[0105] In one embodiment, step S202, in response to a resource transfer request sent by the terminal, obtaining the account identifier corresponding to the resource transfer request, includes: in response to the resource transfer request, decrypting the resource transfer request to obtain the account identifier in the resource transfer request.

[0106] Specifically, the resource interaction system can pre-store decryption logic. The server can respond to resource transfer requests through the resource interaction system by using the decryption logic to decrypt the resource transfer request message and determine the account identifier and transfer resource parameters corresponding to the resource transfer request from the decrypted message.

[0107] In this embodiment, by decrypting the resource transfer request to obtain the account identifier in the resource transfer request, the security of the resource transfer request processing can be improved.

[0108] In one embodiment, the method for processing a resource transfer request further includes: generating a response message corresponding to the processing result of the resource transfer request; encrypting the response message to obtain ciphertext; and sending the ciphertext to the terminal.

[0109] Specifically, the resource exchange system can pre-store message encryption logic. The server can generate a response message corresponding to the processing result of the resource transfer request through the resource exchange system. The response message is then encrypted using the message encryption logic to obtain a ciphertext response. This ciphertext response is sent to the terminal via the HTTP protocol to instruct the terminal to process the ciphertext response and obtain the processing result of the resource transfer request.

[0110] In this embodiment, by encrypting the response message before transmission, the security of message transmission can be improved, thereby enhancing the security of the processing result of the resource transfer request.

[0111] In one embodiment, such as Figure 5 As shown, a method for processing resource transfer requests is provided, applied to a resource interaction system, including:

[0112] Step S502: In response to the resource transfer request sent by the terminal, obtain the account identifier and transfer resource parameters corresponding to the resource transfer request.

[0113] Step S504: Determine the virtual account corresponding to the account identifier and obtain the remaining resource parameters corresponding to the virtual account.

[0114] Step S506: Compare the remaining resource parameters with the transferred resource parameters.

[0115] Specifically, the server can respond to a resource transfer request from a service provider sent by a terminal through a resource interaction system. It decrypts the resource transfer request to obtain the account identifier and transfer resource parameters corresponding to the request. It then determines the virtual account corresponding to the account identifier and obtains the remaining resource parameters for that virtual account. The remaining resource parameters for the virtual account are compared with the transfer resource parameters corresponding to the resource transfer request. If the remaining resource parameters are greater than or equal to the transfer resource parameters, step S508 is executed. If the remaining resource parameters are less than the transfer resource parameters, step S510 is executed.

[0116] Step S508: Process the resource transfer request using a virtual account and generate the processing result of the resource transfer request.

[0117] Specifically, the server can respond to the comparison result of the remaining resource parameter being greater than or equal to the transfer resource parameter through the resource interaction system, process the resource transfer request using a virtual account, deduct an amount equal to the transfer resource parameter from the remaining resource parameter corresponding to the virtual account, and generate a processing result of "successful" for the resource transfer request. After generating the processing result, step S514 is executed.

[0118] Step S510: Obtain the user account corresponding to the account identifier, and the user resource parameters corresponding to the user account.

[0119] Step S512: In response to the comparison result that the user resource parameter is greater than or equal to the transfer resource parameter, the user account is used to process the resource transfer request and generate the processing result of the resource transfer request.

[0120] Specifically, the server can obtain the user account corresponding to the account identifier and the user resource parameters corresponding to the user account through the resource interaction system in response to the comparison result that the remaining resource parameters are less than the transfer resource parameters. The user resource parameters corresponding to the user account are compared with the transfer resource parameters corresponding to the resource transfer request. In response to the comparison result that the user resource parameters are greater than or equal to the transfer resource parameters, the resource transfer request is processed using the user account, and an amount equal to the transfer resource parameters is deducted from the user resource parameters corresponding to the user account, resulting in a successful processing result for the resource transfer request.

[0121] In one example, the resource interaction system may respond to the comparison result that the user's resource parameter is less than the transfer resource parameter by generating a resource transfer request with a failure result.

[0122] Step S514: Generate a response ciphertext corresponding to the processing result of the resource transfer request, and send the response ciphertext to the terminal.

[0123] Specifically, the server can generate a response message based on the processing result of the resource transfer request through the resource interaction system. The response message is then encrypted to generate a corresponding ciphertext response, which is then sent to the terminal.

[0124] In this embodiment, by creating virtual accounts corresponding to service providers for users in the resource interaction system, and binding the virtual accounts to the user accounts using the account identifiers corresponding to the user accounts already existing in the resource interaction system, in response to resource transfer requests, it is first determined whether the virtual account meets the resource transfer request. If the remaining resource parameters of the virtual account are greater than or equal to the transfer resource parameters, the virtual account is used to process the resource transfer request. If the remaining resource parameters are less than the transfer resource parameters, it is determined whether the user account meets the resource transfer request. If the user account's resource parameters are greater than or equal to the transfer resource parameters, the user account is used to process the resource transfer request. This allows for direct connection with the existing resource interaction system via the data port, direct binding of virtual accounts to existing user accounts using account identifiers, and sequential processing of resource transfer requests using both virtual and user accounts. This reduces the processing cost of resource transfer requests and improves their processing efficiency.

[0125] Furthermore, the resource transfer request processing method provided in this embodiment improves the management efficiency of virtual accounts because the virtual account for processing resource transfer requests is established based on the service organization where the terminal is located, and the service organization can manage the virtual account in a unified manner. Moreover, it does not require connection to the processing systems of multiple service organizations, and can directly realize the dedicated use of the virtual account corresponding to the service organization in the resource interaction system, thereby improving the security of resource transfer request processing.

[0126] In one embodiment, such as Figure 6 As shown, a method for processing resource transfer requests is provided, applied to a terminal. The method includes:

[0127] Step S602: Obtain the account identifier and transfer resource parameters.

[0128] Step S604: Generate the corresponding resource transfer request based on the account identifier and resource transfer parameters.

[0129] Step S606: Send the resource transfer request to the resource interaction system and receive the processing result of the resource transfer request returned by the resource interaction system.

[0130] Specifically, the terminal can integrate an account identification module and a data input module. The terminal can use the account identification module to identify the resource transfer tool provided by the user and determine the user's account identifier. It can receive input resource transfer parameters through the data input module. The terminal processes the account identifier and resource transfer parameters to generate a corresponding resource transfer request. It then calls a data interface to send the resource transfer request to the resource interaction system, instructing the system to query and determine the virtual account corresponding to the account identifier, process the resource transfer request using the virtual account, and generate a processing result for the resource transfer request. The terminal can receive the processing result of the resource transfer request returned by the resource interaction system. The specific operation for generating the processing result can be implemented with reference to the method provided in the above embodiments, and will not be elaborated here.

[0131] In one example, the terminal can be a smart POS device (a POS device based on the Android operating system that supports payment methods such as UnionPay IC cards and aggregated payment QR code scanning). The resource transfer tool provided by the user can be a physical UnionPay IC card. The smart POS device can identify the user's UnionPay IC card through a contactless card reader module and obtain the card number as an account identifier. The smart POS device can obtain the input transfer resource parameters through user interaction with numeric keys (which may include virtual keys on the smart POS device's display screen or physical keys on the smart POS device). By using the above method for obtaining the account identifier and transfer resource parameters, the service provider's industry stored-value card function can be added to the existing UnionPay IC card without reissuing cards or modifying existing UnionPay IC cards, thereby reducing the processing cost of resource transfer requests.

[0132] In this embodiment, the terminal obtains the account identifier and transfer resource parameters, generates a corresponding resource transfer request based on the account identifier and transfer resource parameters, sends the resource transfer request to the resource interaction system, and receives the processing result of the returned resource transfer request. The terminal can directly interface with the existing resource interaction system, send the resource transfer request generated based on the account identifier and transfer resource parameters, and instruct the resource interaction system to process the resource transfer request using a virtual account corresponding to the account identifier, thereby improving the processing efficiency of the resource transfer request and reducing the processing cost of the resource transfer request.

[0133] In one embodiment, step S604, generating a corresponding resource transfer request based on the account identifier and the resource transfer parameters, includes: encrypting the account identifier and the resource transfer parameters to generate the resource transfer request.

[0134] Specifically, the terminal can generate a request message based on the account identifier and resource transfer parameters, encrypt the request message using preset message encryption logic, and obtain ciphertext. The ciphertext is then used to initiate a resource transfer request.

[0135] In one example, since the account identifier and resource transfer parameters are crucial in the resource transfer process, it's necessary to prevent request messages carrying these parameters from being illegally obtained and tampered with by intermediate systems on the internet. The terminal can use the domestic cryptographic algorithm SM3 to process the request message, generating a hash signature to prevent unauthorized modification. Then, the domestic cryptographic algorithm SM4 is used to further encrypt the generated hash signature and the request message, resulting in ciphertext to prevent unauthorized access.

[0136] In this embodiment, by encrypting the account identifier and resource transfer parameters to generate a resource transfer request, the transmission security of the resource transfer request can be improved, thereby improving the processing security of the resource transfer request.

[0137] In one embodiment, step S606, sending a resource transfer request to a resource interaction system and receiving the processing result of the resource transfer request returned by the resource interaction system, includes: receiving the ciphertext of the response sent by the resource interaction system, decrypting the ciphertext of the response, and obtaining the processing result.

[0138] Specifically, the terminal pre-stores message decryption logic. The terminal can receive ciphertext responses sent by the resource interaction system. The message decryption logic is used to decrypt the ciphertext responses to obtain the processing result of the resource transfer request.

[0139] In one example, the terminal could integrate data display functionality. After receiving the processing result of a resource transfer request, the terminal could display the result to the user. Alternatively, the terminal could also integrate printing functionality. After receiving the processing result of a resource transfer request, the terminal could print the result.

[0140] In this embodiment, the processing result is obtained by decrypting the ciphertext of the response sent by the resource interaction system, which can improve the transmission security of the processing result and thus improve the processing security of the resource transfer request.

[0141] In one embodiment, such as Figure 7 As shown, a method for processing resource transfer requests is provided, applied to a terminal, including:

[0142] Step S702: Obtain the account identifier and transfer resource parameters.

[0143] Step S704: Encrypt the account identifier and resource transfer parameters to generate a resource transfer request.

[0144] Step S706: Send the resource transfer request to the resource interaction system.

[0145] Step S708: Receive the ciphertext response returned by the resource interaction system, decrypt the ciphertext response, and obtain the processing result of the resource transfer request.

[0146] Specifically, the terminal can deploy a contactless reading module and a data input module. The contactless reading module obtains the user's UnionPay IC card account identifier, and the data input module obtains the transfer resource parameters corresponding to this resource transfer request. A request message generated from the account identifier and transfer resource parameters is encrypted using preset message encryption logic. A resource transfer request is generated based on the encrypted request ciphertext. The resource transfer request is sent to the resource interaction system via a data interface according to the Internet HTTP protocol, instructing the resource interaction system to determine the virtual account corresponding to the account identifier. The virtual account is then used to process the resource transfer request, generating a processing result. The ciphertext response returned by the resource interaction system is received, decrypted, and the processing result of the resource transfer request is obtained. The generation of the processing result can be implemented using the method provided in the above embodiments, and will not be elaborated here.

[0147] In this embodiment, the request message generated by the account identifier and resource transfer parameters is encrypted using a preset message encryption logic. The encrypted request message is then sent to the resource interaction system to instruct the system to determine the virtual account corresponding to the account identifier. The virtual account is then used to process the resource transfer request, generating a processing result. The ciphertext response returned by the resource interaction system is received and decrypted to obtain the processing result of the resource transfer request. This approach not only reduces the processing cost and improves the efficiency of resource transfer request processing but also enhances the security of resource transfer request processing.

[0148] In one embodiment, the terminal can be a smart POS machine, and the resource interaction system can be a bank's online transaction system. For example... Figure 8 As shown, a method for processing resource transfer requests is provided, applied to a system consisting of a smart POS machine and a bank online transaction system. The method includes:

[0149] Step S802: Obtain account identifier and transfer resource parameters through the smart POS machine.

[0150] Step S804: The account identifier and transfer resource parameters are encrypted using a smart POS machine to generate a resource transfer request, which is then sent to the bank's online transaction system.

[0151] Step S806: Decrypt the resource transfer request through the bank's online transaction system to obtain the account identifier and transfer resource parameters.

[0152] Step S808: Determine the virtual account corresponding to the account identifier and the remaining resource parameters corresponding to the virtual account through the bank's online transaction system.

[0153] In step S810, in response to the comparison result that the remaining resource parameter is greater than or equal to the transfer resource parameter through the bank's online transaction system, the resource transfer request is processed using a virtual account to generate the processing result of the resource transfer request.

[0154] Step S812: In response to the comparison result that the remaining resource parameter is less than the transfer resource parameter through the bank's online transaction system, obtain the user account corresponding to the account identifier, process the resource transfer request using the user account, and generate the processing result of the resource transfer request.

[0155] Step S814: Generate a response message based on the processing result of the resource transfer request through the bank's online transaction system, encrypt the response message, and send the resulting ciphertext response to the smart POS machine.

[0156] Step S816: Decrypt the ciphertext of the response using the smart POS machine, obtain and print the processing result of the resource transfer request.

[0157] In this embodiment, by establishing a virtual account and binding the user account to the virtual account using the account identifier corresponding to the user account, the resource transfer request is processed sequentially using the virtual account and the user account. This not only reduces the processing cost of resource transfer requests and solves the technical problem of the difficulty in independently establishing an industry stored-value card management system in traditional technologies, but also improves the processing efficiency of resource transfer requests.

[0158] Furthermore, in application scenarios where government agencies distribute living allowances to users under service providers, the resource transfer request processing method provided in this embodiment enables government agencies to distribute living allowances without having to connect to the industry stored-value card management systems built by multiple service providers. Instead, they only need to connect to the bank's online system, thus facilitating the distribution of living allowances by government agencies.

[0159] It should be understood that although the steps in the flowcharts of the embodiments described above are shown sequentially according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some steps in the flowcharts of the embodiments described above may include multiple steps or multiple stages. These steps or stages are not necessarily completed at the same time, but can be executed at different times. The execution order of these steps or stages is not necessarily sequential, but can be performed alternately or in turn with other steps or at least a portion of the steps or stages of other steps.

[0160] Based on the same inventive concept, this disclosure also provides a resource transfer request processing apparatus for implementing the resource transfer request processing method described above. The solution provided by this apparatus is similar to the implementation described in the above method; therefore, the specific limitations in one or more resource transfer request processing apparatus embodiments provided below can be found in the limitations of the resource transfer request processing method described above, and will not be repeated here.

[0161] In one embodiment, such as Figure 9 As shown, a resource transfer request processing apparatus 900 is provided, applied to a resource interaction system, including: a request response module 902, an account determination module 904, and a request processing module 906, wherein:

[0162] The request-response module 902 is used to respond to the resource transfer request sent by the terminal from the service provider and obtain the account identifier corresponding to the resource transfer request. The account identifier is generated based on the user account in the resource interaction system.

[0163] The account determination module 904 is used to determine the virtual account corresponding to the account identifier. The virtual account is established in the resource interaction system according to the service organization where the terminal is located, and the virtual account is associated with the user account through the account identifier.

[0164] The request processing module 906 is used to process resource transfer requests using virtual accounts and / or user accounts, and generate processing results for the resource transfer requests.

[0165] In one embodiment, the request response module 902 is further configured to: in response to a resource transfer request, obtain the transfer resource parameters corresponding to the resource transfer request.

[0166] The request processing module 906 includes: a parameter acquisition unit for acquiring the remaining resource parameters corresponding to the virtual account; and a parameter comparison unit for, in response to a comparison result where the remaining resource parameters are greater than or equal to the transfer resource parameters, performing the step of processing the resource transfer request using the virtual account and generating the processing result of the resource transfer request.

[0167] In one embodiment, the parameter comparison unit is further configured to, in response to a comparison result where the remaining resource parameter is less than the transfer resource parameter, perform a step of processing the resource transfer request using the user account and generating a processing result for the resource transfer request.

[0168] In one embodiment, the request response module 902 is further configured to respond to the resource transfer request by decrypting the resource transfer request to obtain the account identifier in the resource transfer request.

[0169] In one embodiment, the resource transfer request processing device 900 further includes: a message generation module, used to generate a response message corresponding to the processing result of the resource transfer request; and a message encryption module, used to encrypt the response message to obtain a ciphertext response and send the ciphertext response to the terminal.

[0170] In one embodiment, such as Figure 10 As shown, a resource transfer request processing device 1000 is provided, applied to a terminal, including: a data acquisition module 1002, a request generation module 1004, a request sending module 1006, and a result receiving module 1008, wherein:

[0171] The data acquisition module 1002 is used to acquire account identifiers and transfer resource parameters. The account identifiers are generated based on user accounts in the resource interaction system.

[0172] The request generation module 1004 is used to generate a resource transfer request for the corresponding service provider based on the account identifier and resource transfer parameters.

[0173] The request sending module 1006 is used to send a resource transfer request to the resource interaction system, so as to instruct the resource interaction system to process the resource transfer request and determine the virtual account corresponding to the account identifier. The virtual account is established in the resource interaction system according to the service organization where the terminal is located, and the virtual account is associated with the user account through the account identifier.

[0174] The result receiving module 1008 is used to receive the processing result of the resource transfer request returned by the resource interaction system. The processing result is generated by the resource interaction system processing the resource transfer request using a virtual account and / or a user account.

[0175] In one embodiment, the request generation module 1004 is further configured to: encrypt the account identifier and the resource transfer parameters to generate a resource transfer request.

[0176] In one embodiment, the result receiving module 1008 includes: a message receiving unit for receiving ciphertext of a response sent by the resource interaction system; and a message decryption unit for decrypting the ciphertext of the response to obtain a processing result.

[0177] Each module in the aforementioned resource transfer request processing device can be implemented entirely or partially through software, hardware, or a combination thereof. These modules can be embedded in or independent of the processor in a computer device in hardware form, or stored in the memory of a computer device in software form, so that the processor can invoke and execute the operations corresponding to each module.

[0178] In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as follows: Figure 11 As shown, the computer device includes a processor, memory, and a network interface connected via a system bus. The processor provides computing and control capabilities. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs stored in the non-volatile storage media. The database stores operational data for the resource interaction system. The network interface communicates with external terminals via a network connection. When executed by the processor, the computer program implements a method for processing resource transfer requests.

[0179] In one embodiment, a computer device is provided, which may be a terminal, and its internal structure diagram may be as follows: Figure 12As shown, the computer device includes a processor, memory, communication interface, display screen, and input devices connected via a system bus. The processor provides computing and control capabilities. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system and computer programs. The internal memory provides an environment for the operation of the operating system and computer programs stored in the non-volatile storage media. The communication interface is used for wired or wireless communication with external terminals; wireless communication can be achieved through Wi-Fi, mobile cellular networks, NFC (Near Field Communication), or other technologies. When executed by the processor, the computer program implements a method for processing resource transfer requests. The display screen can be an LCD screen or an e-ink screen. The input devices can be a touch layer covering the display screen, buttons, a trackball, or a touchpad mounted on the computer device casing, or an external keyboard, touchpad, or mouse.

[0180] Those skilled in the art will understand that Figure 11 and / or Figure 12 The structure shown is merely a block diagram of a portion of the structure related to the present disclosure and does not constitute a limitation on the computer device to which the present disclosure is applied. A specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have different component arrangements.

[0181] In one embodiment, a computer device is also provided, including a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program to implement the steps in the above method embodiments.

[0182] In one embodiment, a smart POS machine is also provided, including a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program to implement the steps in the above method embodiments.

[0183] In one embodiment, a computer-readable storage medium is also provided, on which a computer program is stored, which, when executed by a processor, implements the steps in the above method embodiments.

[0184] In one embodiment, a computer program product is provided, including a computer program that, when executed by a processor, implements the steps in the above method embodiments.

[0185] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, data stored, data displayed, etc.) involved in this disclosure are all information and data authorized by the user or fully authorized by all parties.

[0186] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. The computer program can be stored in a non-volatile computer-readable storage medium, and when executed, it can include the processes of the embodiments of the above methods. Any references to memory, databases, or other media used in the embodiments provided in this disclosure can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM). The databases involved in the embodiments provided in this disclosure may include at least one type of relational database and non-relational database. Non-relational databases may include, but are not limited to, blockchain-based distributed databases. The processors involved in the embodiments provided in this disclosure may be general-purpose processors, central processing units, graphics processing units, digital signal processors, programmable logic devices, quantum computing-based data processing logic devices, etc., and are not limited to these.

[0187] The technical features of the above embodiments can be combined in any way. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0188] The embodiments described above are merely illustrative of several implementations of this disclosure, and while the descriptions are specific and detailed, they should not be construed as limiting the scope of this patent disclosure. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of this disclosure, and these all fall within the protection scope of this disclosure. Therefore, the protection scope of this disclosure should be determined by the appended claims.

Claims

1. A method for processing resource transfer requests, characterized in that, Applied to a resource interaction system, the method includes: In response to a resource transfer request from a service provider sent by a terminal, an account identifier corresponding to the resource transfer request is obtained. The account identifier is generated based on an existing user account in the resource interaction system. The terminal includes a point-of-sale (POS) terminal, and the service provider is the service provider to which the terminal is located. Based on the association between the stored account identifier and the virtual account, the virtual account corresponding to the account identifier is determined. The virtual account is established in the resource interaction system according to the service organization, and the virtual account is associated with the user account through the account identifier. The resource transfer request is processed using the virtual account and / or the user account to generate a processing result for the resource transfer request; The step of processing the resource transfer request using the virtual account and / or the user account to generate a processing result for the resource transfer request includes: If the virtual account meets the preset conditions, the virtual account is used to process the resource transfer request, and a processing result for the resource transfer request is generated. If the virtual account does not meet the preset conditions, the resource transfer request is processed using the user account or both the virtual account and the user account to generate a processing result for the resource transfer request. The preset condition is that the number of resources corresponding to the virtual account meets the number of resources corresponding to the resource transfer request.

2. The method according to claim 1, characterized in that, The step of responding to a resource transfer request from a service provider sent by the terminal and obtaining the account identifier corresponding to the resource transfer request includes: In response to the resource transfer request, obtain the transfer resource parameters corresponding to the resource transfer request; The step of using the virtual account to process the resource transfer request and generating a processing result for the resource transfer request when the virtual account meets preset conditions includes: Obtain the remaining resource parameters corresponding to the virtual account; In response to the comparison result that the remaining resource parameter is greater than or equal to the transfer resource parameter, the step of processing the resource transfer request using the virtual account and generating the processing result of the resource transfer request is executed.

3. The method according to claim 2, characterized in that, When the virtual account does not meet the preset conditions, the resource transfer request is processed using the user account, or both the virtual account and the user account, to generate a processing result for the resource transfer request, including: In response to the comparison result that the remaining resource parameter is less than the transfer resource parameter, the step of processing the resource transfer request using the user account and generating the processing result of the resource transfer request is executed.

4. The method according to any one of claims 1 to 3, characterized in that, The step of responding to a resource transfer request from a service provider sent by the terminal and obtaining the account identifier corresponding to the resource transfer request includes: In response to the resource transfer request, the resource transfer request is decrypted to obtain the account identifier in the resource transfer request.

5. The method according to any one of claims 1 to 3, characterized in that, The method further includes: Based on the processing result of the resource transfer request, a response message corresponding to the processing result is generated; The response message is encrypted to obtain a ciphertext response, which is then sent to the terminal.

6. A method for processing resource transfer requests, characterized in that, Applied to a terminal, the terminal including a point-of-sale (POS) terminal, the method includes: Obtain the account identifier and transfer resource parameters, wherein the account identifier is generated based on the user account already existing in the resource interaction system; Based on the account identifier and the transferred resource parameters, a resource transfer request for the corresponding service provider is generated, wherein the service provider is the service provider where the terminal is located; The resource transfer request is sent to the resource interaction system to instruct the resource interaction system to process the resource transfer request and determine the virtual account corresponding to the account identifier based on the association between the stored account identifier and the virtual account. The virtual account is established in the resource interaction system according to the service provider, and the virtual account is associated with the user account through the account identifier. The resource interaction system receives the processing result of the resource transfer request returned by the resource interaction system. The processing result is generated by the resource interaction system processing the resource transfer request using the virtual account and / or the user account. The step of processing the resource transfer request using the virtual account and / or the user account to generate a processing result for the resource transfer request includes: If the virtual account meets the preset conditions, the virtual account is used to process the resource transfer request, and a processing result for the resource transfer request is generated. If the virtual account does not meet the preset conditions, the resource transfer request is processed using the user account or both the virtual account and the user account to generate a processing result for the resource transfer request. The preset condition is that the number of resources corresponding to the virtual account meets the number of resources corresponding to the resource transfer request.

7. The method according to claim 6, characterized in that, The step of generating a resource transfer request for the corresponding service provider based on the account identifier and the transfer resource parameters includes: The account identifier and the resource transfer parameters are encrypted to generate the resource transfer request.

8. The method according to any one of claims 6 to 7, characterized in that, The processing result of receiving the resource transfer request returned by the resource interaction system includes: Receive the encrypted response sent by the resource interaction system; The ciphertext of the response is decrypted to obtain the processing result.

9. A processing apparatus for resource transfer requests, characterized in that, The device is used in a resource interaction system and includes: The request response module is used to respond to a resource transfer request from a service provider sent by the terminal, and to obtain an account identifier corresponding to the resource transfer request. The account identifier is generated based on an existing user account in the resource interaction system. The terminal includes a point-of-sale (POS) terminal, and the service provider is the service provider to which the terminal is located. The account determination module is used to determine the virtual account corresponding to the stored account identifier based on the association between the stored account identifier and the virtual account. The virtual account is established in the resource interaction system according to the service organization where the terminal is located, and the virtual account is associated with the user account through the account identifier. The request processing module is used to process the resource transfer request using the virtual account and / or the user account, and generate the processing result of the resource transfer request; The request processing module is further configured to: process the resource transfer request using the virtual account when the virtual account meets preset conditions, and generate a processing result for the resource transfer request; and process the resource transfer request using the user account, or both the virtual account and the user account, when the virtual account does not meet the preset conditions, and generate a processing result for the resource transfer request; wherein the preset conditions are that the number of resources corresponding to the virtual account meets the number of resources corresponding to the resource transfer request.

10. The apparatus according to claim 9, characterized in that, The request-response module is also used for: In response to the resource transfer request, obtain the transfer resource parameters corresponding to the resource transfer request; The request processing module includes: The parameter acquisition unit is used to acquire the remaining resource parameters corresponding to the virtual account; The parameter comparison unit is used to execute the step of processing the resource transfer request using the virtual account and generating the processing result of the resource transfer request in response to the comparison result that the remaining resource parameter is greater than or equal to the transfer resource parameter.

11. The apparatus according to claim 10, characterized in that, The parameter comparison unit is further configured to, in response to a comparison result in which the remaining resource parameter is less than the transferred resource parameter, execute the step of processing the resource transfer request using the user account and generating a processing result for the resource transfer request.

12. The apparatus according to any one of claims 9 to 11, characterized in that, The request-response module is further configured to respond to the resource transfer request by decrypting the resource transfer request to obtain the account identifier in the resource transfer request.

13. The apparatus according to any one of claims 9 to 11, characterized in that, The device further includes: The message generation module is used to generate a response message corresponding to the processing result of the resource transfer request. The message encryption module is used to encrypt the response message to obtain the ciphertext response and send the ciphertext response to the terminal.

14. A processing apparatus for resource transfer requests, characterized in that, Applied to a terminal, the terminal including a point-of-sale (POS) terminal, the device includes: The data acquisition module is used to acquire account identifiers and transfer resource parameters. The account identifiers are generated based on existing user accounts in the resource interaction system. The request generation module is used to generate a resource transfer request for a corresponding service provider based on the account identifier and the resource transfer parameters, wherein the service provider is the service provider where the terminal is located; The request sending module is used to send the resource transfer request to the resource interaction system, so as to instruct the resource interaction system to process the resource transfer request and determine the virtual account corresponding to the account identifier according to the association relationship between the stored account identifier and the virtual account. The virtual account is established in the resource interaction system according to the service organization where the terminal is located, and the virtual account is associated with the user account through the account identifier. The result receiving module is used to receive the processing result of the resource transfer request returned by the resource interaction system. The processing result is generated by the resource interaction system processing the resource transfer request using the virtual account and / or the user account. The step of processing the resource transfer request using the virtual account and / or the user account to generate a processing result for the resource transfer request includes: If the virtual account meets the preset conditions, the virtual account is used to process the resource transfer request, and a processing result for the resource transfer request is generated. If the virtual account does not meet the preset conditions, the resource transfer request is processed using the user account or both the virtual account and the user account to generate a processing result for the resource transfer request. The preset condition is that the number of resources corresponding to the virtual account meets the number of resources corresponding to the resource transfer request.

15. The apparatus according to claim 14, characterized in that, The request generation module is further configured to encrypt the account identifier and the resource transfer parameters to generate the resource transfer request.

16. The apparatus according to any one of claims 14-15, characterized in that, The result receiving module includes: The message receiving unit is used to receive the ciphertext response sent by the resource interaction system; The message decryption unit is used to decrypt the ciphertext of the response and obtain the processing result.

17. A computer device comprising a memory and a processor, wherein the memory stores a computer program, characterized in that, When the processor executes the computer program, it implements the steps of the method according to any one of claims 1 to 5 or any one of claims 6 to 8.

18. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 5 or any one of claims 6 to 8.

19. A computer program product, comprising a computer program, characterized in that, When executed by a processor, the computer program implements the steps of the method according to any one of claims 1 to 5 or any one of claims 6 to 8.

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