Resource transfer method, device, equipment, system and medium

Abstract

The invention discloses a resource transfer method, device, equipment, system and medium. The method is applied to a resource transfer platform, and comprises the following steps: receiving a resource transfer request which is sent by a first electronic wallet platform and is used for carrying out cross-electronic wallet; generating a resource transfer credential based on the resource transfer request; the resource transfer voucher is sent to the resource transfer-in party, so that the resource transfer-in party generates a resource receiving request based on the resource transfer voucher through a second electronic wallet platform, the second electronic wallet platform comprises a background server of a second electronic wallet, and the second electronic wallet is any one electronic wallet logged in based on the identification information of the resource transfer-in party; receiving a resource receiving request fed back by the second electronic wallet platform in response to the resource transfer voucher; and in response to the resource receiving request, performing resource transfer from the first electronic wallet platform to the second electronic wallet platform. According to the embodiment of the invention, the safety of cross-wallet resource transfer can be improved, and the user experience is improved.

Description

Technical Field

[0001] The present application belongs to the technical field of resource transfer, and in particular, relates to a resource transfer method, device, equipment, system and medium. Background Art

[0002] With the rapid development of resource transfer technology, cross-wallet resource transfer between multiple e-wallets belonging to different e-wallet platforms has become possible.

[0003] At present, when implementing cross-wallet resource transfer, the resource transferor is often required to specify the electronic wallet information and account information for receiving resources when initiating resource transfer. That is, in order to implement cross-wallet resource transfer, the resource transferee needs to inform the resource transferor in advance of the electronic wallet information and account information that the resource transferor wishes to receive.

[0004] However, there is a risk of information leakage in the process of the resource transferee notifying the resource transferor of the electronic wallet information and account information, resulting in low security of cross-wallet resource transfer. In addition, after the resource transferee informs the electronic wallet information and account information, it usually cannot be changed at will, and the flexibility of resource transfer is low, which reduces the user's resource transfer experience when transferring resources across wallets. Summary of the invention

[0005] The embodiments of the present application provide a resource transfer method, apparatus, device, system, computer-readable storage medium, and computer program product, which can improve the security of cross-wallet resource transfer and enhance the user's resource transfer experience when performing cross-wallet resource transfer.

[0006] In a first aspect, an embodiment of the present application provides a resource transfer method, which is applied to a resource transfer platform, and the method includes:

[0007] receiving a resource transfer request sent by a first electronic wallet platform, the resource transfer request being used to transfer resources across electronic wallets, the first electronic wallet platform including a backend server of the first electronic wallet, the resource transfer request including first electronic wallet information of the first electronic wallet, first account information for logging into the first electronic wallet, a resource transfer value, and identification information of a resource transferee;

[0008] In response to the resource transfer request, generating a resource transfer credential based on the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferee;

[0009] Sending the resource transfer certificate to the resource transferee so that the resource transferee generates a resource receiving request based on the resource transfer certificate through a second electronic wallet platform, wherein the second electronic wallet platform includes a backend server of a second electronic wallet, the second electronic wallet is any electronic wallet logged in based on the identification information of the resource transferee, and the resource receiving request includes second electronic wallet information of the second electronic wallet and second account information for logging in to the second electronic wallet;

[0010] receiving the resource receiving request fed back by the second electronic wallet platform in response to the resource transfer credential;

[0011] In response to the resource reception request, resources are transferred from the first electronic wallet platform to the second electronic wallet platform based on the resource transfer request and information in the resource reception request.

[0012] In a second aspect, an embodiment of the present application provides a resource transfer method, which is applied to a first electronic wallet platform, wherein the first electronic wallet platform includes a backend server of the first electronic wallet, and the method includes:

[0013] In response to an interactive operation of the resource transferor for performing a cross-electronic wallet resource transfer, obtaining first electronic wallet information of the first electronic wallet, first account information for logging into the first electronic wallet, a resource transfer value, and identification information of the resource transferee;

[0014] generating a resource transfer request based on the first electronic wallet information, the first account information, the resource transfer value, and the identification information of the resource transferee;

[0015] Send the resource transfer request to the resource transfer platform so that the resource transfer platform generates a resource transfer certificate in response to the resource transfer request and sends the resource transfer certificate to the resource transferee; receive a resource reception request from the second electronic wallet platform in response to the resource transfer certificate; and in response to the resource reception request, transfer resources from the first electronic wallet platform to the second electronic wallet platform based on the resource transfer request and the information in the resource reception request; wherein the second electronic wallet platform includes a backend server of a second electronic wallet, the second electronic wallet is any electronic wallet logged in based on the identification information of the resource transferee, and the resource reception request includes the second electronic wallet information of the second electronic wallet and the second account information for logging in to the second electronic wallet.

[0016] In a third aspect, an embodiment of the present application provides a resource transfer method, which is applied to a second electronic wallet platform, wherein the second electronic wallet platform includes a backend server of a second electronic wallet, and the second electronic wallet is any electronic wallet logged in based on identification information of a resource transferee, and the method includes:

[0017] Identify the resource transfer credential received by the resource transferee, the resource transfer credential is generated by the resource transfer platform in response to the resource transfer request based on the first electronic wallet information of the first electronic wallet, the first account information for logging into the first electronic wallet, the resource transfer value and the identification information of the resource transferee, the resource transfer request is generated by the first electronic wallet platform and is used for cross-electronic wallet resource transfer, and the first electronic wallet platform includes the backend server of the first electronic wallet;

[0018] When the identification information in the resource transfer voucher matches the second account information for logging into the second electronic wallet, displaying resource transfer prompt information on the front-end interface of the second electronic wallet platform, the resource transfer prompt information including the first electronic wallet information, the first account information and the resource transfer value;

[0019] In response to the resource transferee's confirmation input of the resource transfer prompt information, generating a resource receiving request based on the second electronic wallet information of the second electronic wallet and the second account information for logging into the second electronic wallet;

[0020] The resource receiving request is sent to the resource transfer platform, so that the resource transfer platform responds to the resource receiving request and transfers resources from the first electronic wallet platform to the second electronic wallet platform based on the resource transfer request and information in the resource receiving request.

[0021] In a fourth aspect, an embodiment of the present application provides a resource transfer device, which is applied to a resource transfer platform, and the device includes:

[0022] A first receiving module is used to receive a resource transfer request sent by a first electronic wallet platform, wherein the resource transfer request is used to transfer resources across electronic wallets, wherein the first electronic wallet platform includes a backend server of the first electronic wallet, and the resource transfer request includes first electronic wallet information of the first electronic wallet, first account information for logging into the first electronic wallet, a resource transfer value, and identification information of a resource transferee;

[0023] A first generating module, configured to generate a resource transfer credential in response to the resource transfer request based on the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferee;

[0024] A first sending module is used to send the resource transfer certificate to the resource transferee, so that the resource transferee generates a resource receiving request based on the resource transfer certificate through a second electronic wallet platform, the second electronic wallet platform includes a backend server of a second electronic wallet, the second electronic wallet is any electronic wallet logged in based on the identification information of the resource transferee, and the resource receiving request includes second electronic wallet information of the second electronic wallet and second account information for logging in to the second electronic wallet;

[0025] The first receiving module is further configured to receive the resource receiving request fed back by the second electronic wallet platform in response to the resource transfer voucher;

[0026] A resource transfer module is used to transfer resources from the first electronic wallet platform to the second electronic wallet platform in response to the resource reception request based on the resource transfer request and information in the resource reception request.

[0027] In a fifth aspect, an embodiment of the present application provides a resource transfer device, which is applied to a first electronic wallet platform, wherein the first electronic wallet platform includes a backend server of the first electronic wallet, and the device includes:

[0028] an acquisition module, configured to acquire, in response to an interactive operation of a resource transferor for performing a cross-electronic wallet resource transfer, first electronic wallet information of the first electronic wallet, first account information for logging into the first electronic wallet, a resource transfer value, and identification information of a resource transferee;

[0029] A second generating module, configured to generate a resource transfer request based on the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferee;

[0030] The second sending module is used to send the resource transfer request to the resource transfer platform, so that the resource transfer platform generates a resource transfer certificate in response to the resource transfer request and sends the resource transfer certificate to the resource transferee; receive a resource receiving request fed back by the second electronic wallet platform in response to the resource transfer certificate; and in response to the resource receiving request, transfer resources from the first electronic wallet platform to the second electronic wallet platform based on the resource transfer request and the information in the resource receiving request, wherein the second electronic wallet platform includes a backend server of the second electronic wallet, the second electronic wallet is any electronic wallet logged in based on the identification information of the resource transferee, and the resource receiving request includes the second electronic wallet information of the second electronic wallet and the second account information for logging in to the second electronic wallet.

[0031] In a sixth aspect, an embodiment of the present application provides a resource transfer device, which is applied to a second electronic wallet platform, wherein the second electronic wallet platform includes a backend server of a second electronic wallet, and the second electronic wallet is any electronic wallet logged in based on identification information of a resource transferee, and the device includes:

[0032] an identification module, used for identifying the resource transfer credential received by the resource transferee, wherein the resource transfer credential is generated by the resource transfer platform in response to the resource transfer request based on the first electronic wallet information of the first electronic wallet, the first account information for logging into the first electronic wallet, the resource transfer value and the identification information of the resource transferee, wherein the resource transfer request is generated by the first electronic wallet platform and is used for performing cross-electronic wallet resource transfer, and the first electronic wallet platform includes a backend server of the first electronic wallet;

[0033] A display module, configured to display resource transfer prompt information on a front-end interface of the second electronic wallet platform when the identification information in the resource transfer voucher matches the second account information for logging into the second electronic wallet, the resource transfer prompt information including the first electronic wallet information, the first account information and the resource transfer value;

[0034] A third generating module, configured to generate a resource receiving request based on the second electronic wallet information of the second electronic wallet and the second account information for logging into the second electronic wallet in response to the confirmation input of the resource transferor to the resource transfer prompt information;

[0035] The third sending module is used to send the resource receiving request to the resource transfer platform, so that the resource transfer platform responds to the resource receiving request and transfers resources from the first electronic wallet platform to the second electronic wallet platform based on the resource transfer request and the information in the resource receiving request.

[0036] In a seventh aspect, an embodiment of the present application provides an electronic device, the device comprising: a processor and a memory storing computer program instructions;

[0037] When the processor executes the computer program instructions, the method in any possible implementation method of the first aspect, the second aspect, or the third aspect is implemented.

[0038] In an eighth aspect, an embodiment of the present application provides a resource transfer system, including:

[0039] A resource transfer platform, used to execute the resource transfer method as described in any one of the first aspects above;

[0040] A first electronic wallet platform, used to execute the resource transfer method as described in any one of the second aspects above;

[0041] The second electronic wallet platform is used to execute the resource transfer method as described in any one of the third aspects above.

[0042] In the ninth aspect, an embodiment of the present application provides a computer-readable storage medium having computer program instructions stored thereon. When the computer program instructions are executed by a processor, a method in any possible implementation method of the first aspect, the second aspect, or the third aspect mentioned above is implemented.

[0043] In the tenth aspect, an embodiment of the present application provides a computer program product. When the instructions in the computer program product are executed by a processor of an electronic device, the electronic device executes a method in any possible implementation method of the first aspect, the second aspect, or the third aspect mentioned above.

[0044] In the embodiment of the present application, when receiving the resource transfer request sent by the first electronic wallet platform, in response to the resource transfer request, a resource transfer certificate is generated based on the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferee, and the resource transfer certificate is sent to the resource transferee, instead of sending the resource transfer certificate to the background server of a pre-specified electronic wallet, that is, the electronic wallet information and account information for receiving resources are not specified when initiating the resource transfer, so that the resource transferee can independently select the second electronic wallet that wants to receive the resources, thereby improving the flexibility of resource transfer, and further improving the resource transfer experience of users when performing cross-wallet resource transfer. In addition, by sending the resource transfer certificate to the resource transferee, the resource transferee can independently select the second electronic wallet that wants to receive the resources, without the need for the resource transferee to inform the resource transferor in advance of the electronic wallet information and account information that the resource wants to receive the resources, which can ensure the security of information transmission. Based on this, by receiving the resource receiving request of the second electronic wallet platform in response to the resource transfer credential feedback, and responding to the resource receiving request, based on the information in the resource transfer request and the resource receiving request, the resource transfer is performed from the first electronic wallet platform to the second electronic wallet platform, which can improve the security of cross-wallet resource transfer. In this way, through the embodiments of the present application, the security of cross-wallet resource transfer can be improved, and the resource transfer experience of users when performing cross-wallet resource transfer can be improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] In order to more clearly illustrate the technical solution of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0046] Figure 1It is a flow chart of a resource transfer method applied to a resource transfer platform provided in an embodiment of the present application;

[0047] Figure 2 It is a flow chart of a resource transfer method applied to a first electronic wallet platform provided in an embodiment of the present application;

[0048] Figure 3 It is a flow chart of a resource transfer method applied to a second electronic wallet platform provided in an embodiment of the present application;

[0049] Figure 4 It is a flowchart of a resource transfer method applied to a resource transfer system provided in an embodiment of the present application;

[0050] Figure 5 It is a structural schematic diagram of a resource transfer device applied to a resource transfer platform provided in an embodiment of the present application;

[0051] Figure 6 is a structural schematic diagram of a resource transfer device applied to a first electronic wallet platform provided in an embodiment of the present application;

[0052] Figure 7 is a structural schematic diagram of a resource transfer device applied to a second electronic wallet platform provided in an embodiment of the present application;

[0053] Figure 8 It is a structural schematic diagram of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0054] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present application, rather than to limit the present application. For those skilled in the art, the present application can be implemented without the need for some of these specific details. The following description of the embodiments is only to provide a better understanding of the present application by illustrating the examples of the present application.

[0055] It should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the statement "include..." do not exclude the presence of other identical elements in the process, method, article or device including the elements.

[0056] In addition, the acquisition, storage, use, and processing of information and data in the embodiments of the present application are authorized by users or relevant institutions and comply with relevant provisions of national laws and regulations.

[0057] As described in the background technology section, with the rapid development of resource transfer technology, cross-wallet resource transfer between multiple electronic wallets belonging to different electronic wallet platforms has become possible.

[0058] Currently, the ways to achieve cross-wallet resource transfer include:

[0059] Method 1: Create a unique identifier (UID) for each wallet server through the directory server, and create a unique alias for the corresponding wallet user. The alias includes the UID of the corresponding wallet server, and the routing of the corresponding transfer message is completed through the alias and UID;

[0060] Method 2: Cross-wallet transfers are achieved through a dedicated inter-wallet transfer application and an intermediate account. The wallet application and the user register in the inter-wallet transfer application. After successful registration, an intermediate account is allocated to the user. When the user initiates a cross-wallet transfer, he selects the receiving wallet in the inter-wallet transfer application and enters the payee information to complete the cross-wallet transfer.

[0061] However, in method one, users need to register a special alias in each wallet for receiving cross-wallet transfers. In reality, users often have multiple wallets, which makes the operation complicated. In method two, a special wallet-to-wallet transfer application needs to be developed. In addition, the common problem of the above two methods is that the payee is required to specify the receiving wallet and account when initiating the transfer, that is, the payee needs to inform the payer in advance of the wallet and account to which he wants to receive the payment. In the process of the payee informing the payer of the wallet and account to which he wants to receive the payment, there is a risk of information leakage. In addition, after the payee informs the payer of the wallet and account to which he wants to receive the payment, it is usually not possible to change it at will, and the transfer flexibility is low, which reduces the user's cross-wallet transfer experience.

[0062] Thus, in order to solve the problems of the prior art, the embodiments of the present application provide a resource transfer method, apparatus, device, system, computer-readable storage medium and computer program product. The resource transfer method can be executed by a server and / or processor in a resource transfer system.

[0063] The resource transfer system provided in the embodiment of the present application is introduced below.

[0064] The resource transfer system provided in the embodiment of the present application includes a resource transfer platform, a first electronic wallet, a first electronic wallet platform, a second electronic wallet, a second electronic wallet platform and a terminal device of the resource transferee. Among them, the first electronic wallet platform may include a background server of the first electronic wallet. The second electronic wallet platform may include a background server of the second electronic wallet. The first electronic wallet is different from the second electronic wallet, and the first electronic wallet platform is different from the second electronic wallet platform. In addition, the resource transfer platform may include a background server of the clearing institution, which is used to communicate with the first electronic wallet platform, the second electronic wallet platform and the terminal device of the resource transferee. The terminal device of the resource transferee can receive and display the information sent by the resource transfer platform.

[0065] As an example, the resource transferor (i.e., the user transferring the resources) can initiate an operation for transferring resources across electronic wallets in the interactive interface of the first electronic wallet. In response to the operation of the resource transferor, the first electronic wallet platform can initiate a resource transfer request across electronic wallets to the resource transferee. Specifically, the resource transferor can send a resource transfer request to the resource transfer platform through the first electronic wallet platform, and the resource transfer request may include the first electronic wallet information of the first electronic wallet, the first account information for logging into the first electronic wallet, the resource transfer value, and the identification information of the resource transferee.

[0066] After receiving the resource transfer request, the resource transfer platform may generate a resource transfer certificate based on the first electronic wallet information, the first account information, the resource transfer value, and the identification information of the resource transferee in the resource transfer request in response to the resource transfer request, and send the resource transfer certificate to the terminal device of the resource transferee based on the identification information of the resource transferee. Among them, there may be a corresponding relationship between the identification information of the resource transferee and the terminal device of the resource transferee. For example, if the identification information of the resource transferee is a mobile phone number, the terminal device of the resource transferee may be an electronic device equipped with a target subscriber identity module (Subscriber Identity Module, SIM) card, wherein the target SIM card may be a SIM card storing the mobile phone number. In addition, the resource transfer certificate may be presented in the form of a graphic code or a link.

[0067] The terminal device of the resource transferor can receive and display the resource transfer certificate. Afterwards, the resource transferor (i.e., the user receiving the resources) can use any second electronic wallet to identify the resource transfer certificate, and display the first electronic wallet information, first account information, resource transfer value and other prompt information in the resource transfer certificate on the interactive interface of the second electronic wallet, so that the resource transferor can confirm whether to receive the resources based on the prompt information. If the second electronic wallet platform receives the information confirming the receipt of the resources from the resource transferor, the second electronic wallet information and the second account information for logging into the second electronic wallet can be obtained, and a resource reception request can be generated based on the second electronic wallet information and the second account information, and the resource reception request can be sent to the resource transfer platform. It should be noted that the second electronic wallet can be any electronic wallet logged in based on the identification information of the resource transferor.

[0068] After receiving the resource receiving request, the resource transfer platform may respond to the resource receiving request and transfer resources from the first electronic wallet platform to the second electronic wallet platform based on the resource transfer request and information in the resource receiving request.

[0069] Therefore, through the embodiments of the present application, while realizing the resource transfer across electronic wallets, the resource transferee can independently select the second electronic wallet that wishes to receive the resources, thereby improving the flexibility of resource transfer, and further improving the resource transfer experience of users when performing cross-wallet resource transfer. In addition, by sending a resource transfer certificate to the resource transferee through the resource transfer platform, the resource transferee can independently select the second electronic wallet that wishes to receive the resources, without the need for the resource transferee to inform the resource transferor in advance of the electronic wallet information and account information that wishes to receive the resources, thereby ensuring the security of information transmission and improving the security of cross-wallet resource transfer. In addition, through the deep involvement of the resource transfer platform (i.e., the backend server of the clearing agency) in the resource transfer process, it is helpful to improve the degree of involvement of the clearing agency in the resource transfer market.

[0070] The following is an introduction to the resource transfer method applied to the resource switching platform provided in the embodiment of the present application.

[0071] Figure 1 The flowchart of a resource transfer method applied to a resource transfer platform provided in an embodiment of the present application is shown. The resource transfer method can be executed by a background server of the resource transfer platform. Figure 1 As shown, the resource transfer method provided in the embodiment of the present application includes the following steps:

[0072] S110, receiving a resource transfer request sent by the first electronic wallet platform, the resource transfer request is used to transfer resources across electronic wallets, the first electronic wallet platform includes a backend server of the first electronic wallet, and the resource transfer request includes first electronic wallet information of the first electronic wallet, first account information for logging into the first electronic wallet, a resource transfer value, and identification information of a resource transferee;

[0073] S120, in response to the resource transfer request, generating a resource transfer credential based on the first electronic wallet information, the first account information, the resource transfer value, and the identification information of the resource transferee;

[0074] S130, sending a resource transfer certificate to the resource transferee, so that the resource transferee generates a resource receiving request based on the resource transfer certificate through a second electronic wallet platform, the second electronic wallet platform includes a backend server of a second electronic wallet, the second electronic wallet is any electronic wallet logged in based on the identification information of the resource transferee, and the resource receiving request includes second electronic wallet information of the second electronic wallet and second account information for logging in to the second electronic wallet;

[0075] S140, receiving a resource receiving request from the second electronic wallet platform in response to the resource transfer credential feedback;

[0076] S150. In response to the resource reception request, based on the information in the resource transfer request and the resource reception request, transfer resources from the first electronic wallet platform to the second electronic wallet platform.

[0077] In the embodiment of the present application, when receiving the resource transfer request sent by the first electronic wallet platform, in response to the resource transfer request, a resource transfer certificate is generated based on the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferee, and the resource transfer certificate is sent to the resource transferee, instead of sending the resource transfer certificate to the background server of a pre-specified electronic wallet, that is, the electronic wallet information and account information for receiving resources are not specified when initiating the resource transfer, so that the resource transferee can independently select the second electronic wallet that wants to receive the resources, thereby improving the flexibility of resource transfer, and further improving the resource transfer experience of users when performing cross-wallet resource transfer. In addition, by sending the resource transfer certificate to the resource transferee, the resource transferee can independently select the second electronic wallet that wants to receive the resources, without the need for the resource transferee to inform the resource transferor in advance of the electronic wallet information and account information that the resource wants to receive the resources, which can ensure the security of information transmission. Based on this, by receiving the resource receiving request of the second electronic wallet platform in response to the resource transfer credential feedback, and responding to the resource receiving request, based on the information in the resource transfer request and the resource receiving request, the resource transfer is performed from the first electronic wallet platform to the second electronic wallet platform, which can improve the security of cross-wallet resource transfer. In this way, through the embodiments of the present application, the security of cross-wallet resource transfer can be improved, and the resource transfer experience of users when performing cross-wallet resource transfer can be improved.

[0078] The specific implementation methods of the above steps are introduced below.

[0079] In some embodiments, in S110, the first electronic wallet may be an electronic wallet that comes with the electronic device, or a third-party electronic wallet, which is not limited here. In addition, the first electronic wallet information may be used to identify the first electronic wallet. The first electronic wallet information may include information such as the name, version, and brand of the first electronic wallet. The first account information may be used to identify the resource transferor who uses the first electronic wallet to transfer resources. Among them, the resource transferor may represent the user who transfers the resources. The first account information may include at least one of the account name, account identification, mobile phone number, and ID number. In addition, the resource transferee may represent the user who receives the resources. The identification information of the resource transferee may be used to uniquely identify the resource transferee. The identification information may, for example, include any one of a mobile phone number, an ID number, and a bank card number.

[0080] In addition, the resources in the embodiments of the present application may be currency, digital currency, points, red envelopes, etc. When the resource is currency or digital currency, the resource transfer across electronic wallets may also be referred to as cross-wallet transfer, the resource transfer value may also be referred to as the transfer amount, the resource transferor may also be referred to as the payee, and the resource transferee may also be referred to as the payee.

[0081] As an example, the front-end interface of the first electronic wallet platform (i.e., the interactive interface of the first electronic wallet) can display a target control for performing cross-electronic wallet resource transfer. After the resource transferor clicks the target control, the target interface for performing cross-electronic wallet resource transfer can be displayed. The target interface can display a first information input box for the user to input the identification information of the resource receiver and the resource transfer value. After the resource transferor inputs the identification information and the resource transfer value in the first information input box, in response to the confirmation input of the resource transferor, the first electronic wallet platform can obtain the first electronic wallet information of the first electronic wallet, the first account information for logging into the first electronic wallet, and obtain the identification information and resource transfer value of the resource receiver based on the user input. Afterwards, the first electronic wallet platform can generate a resource transfer request based on the first electronic wallet information, the first account information, the resource transfer value, and the identification information of the resource transferee, and send the resource transfer request to the resource transfer platform. Among them, the resource transfer request may include information such as the first electronic wallet information, the first account information, the identification information of the resource receiver, and the resource transfer value. In addition, the resource transfer request can be used to request a resource transfer from the first electronic wallet platform to the resource transferee. Specifically, the resource transfer request may be used to request a resource transfer from a first account corresponding to first account information associated with a first electronic wallet platform to a resource transferee. The resource transferor may receive the transferred resources through a second electronic wallet platform different from the first electronic wallet platform, thereby realizing cross-electronic wallet resource transfer.

[0082] The resource transfer platform may receive the resource transfer request sent by the first electronic wallet platform.

[0083] In some embodiments, in S120, the resource transfer voucher may include the first electronic wallet information, the first account information, the resource transfer value, and the identification information of the resource transferee. The resource transfer voucher may be presented in the form of a graphic code or a link. The graphic code may include a QR code and a bar code.

[0084] As an example, after receiving a resource transfer request, the resource transfer platform may respond to the resource transfer request and generate a resource transfer credential based on the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferee in the resource transfer request.

[0085] Based on this, in order to ensure the accuracy of resource transfer, in some embodiments, the above S120 may specifically include:

[0086] In response to the resource transfer request, the resource transfer request is parsed to obtain the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferee;

[0087] Generate a first resource transfer record based on the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferee, wherein the first resource transfer record also includes a resource transfer identification;

[0088] A resource transfer voucher is generated based on the first resource transfer record.

[0089] Here, the first resource transfer record may include fields such as resource transfer identification, first electronic wallet information, first account information, resource transfer value, and identification information of the resource transferee. In addition, the resource transfer voucher may also include a resource transfer identification.

[0090] As an example, after receiving a resource transfer request, the resource transfer platform can respond to the resource transfer request by first determining a resource transfer identifier used to uniquely identify the resource transfer, and then parsing the resource transfer request to obtain the first electronic wallet information, the first account information, the resource transfer value, and the identification information of the resource transferee, and then generate a first resource transfer record based on the resource transfer identifier, the first electronic wallet information, the first account information, the resource transfer value, and the identification information of the resource transferee, and then generate a resource transfer certificate based on the first resource transfer record.

[0091] As another example, after receiving a resource transfer request, the resource transfer platform may respond to the resource transfer request, parse the resource transfer request, obtain the first electronic wallet information, the first account information, the resource transfer value, and the identification information of the resource transferee, generate a first resource transfer record based on the first electronic wallet information, the first account information, the resource transfer value, and the identification information of the resource transferee, add a resource transfer identifier to the first resource transfer record to uniquely identify this resource transfer, and then generate a resource transfer certificate based on the first resource transfer record.

[0092] In this way, by first generating a first resource transfer record including a resource transfer identifier, and then generating a resource transfer certificate based on the first resource transfer record, the resource transfer certificate can include the resource transfer identifier, and then the resource transfer can be uniquely identified by the resource transfer identifier in the resource transfer certificate, thereby ensuring the accuracy of the resource transfer.

[0093] In some embodiments, in S130, after generating the resource transfer certificate, the resource transfer platform may send the resource transfer certificate to the resource transferee. Specifically, the resource transfer platform may directly send the resource transfer certificate to the resource transferee, or may first send the resource transfer certificate to the first electronic wallet platform, and then the first electronic wallet platform may provide the resource transfer certificate to the resource transferee, which is not limited here.

[0094] Based on this, in order to improve the resource transfer efficiency, in some embodiments, the above S130 may specifically include:

[0095] Based on the identification information of the resource transferee, a resource transfer certificate is sent to the resource transferee.

[0096] As an example, if the identification information of the resource transferee is a mobile phone number, the resource transfer platform can send a text message or multimedia message including the resource transfer certificate to the terminal device installed with the target SIM card, wherein the target SIM card can be a SIM card storing the mobile phone number.

[0097] As another example, the resource transfer platform can also communicate with the information management platform. Among them, the information management platform can store the correspondence between the ID number and the mobile phone number, and / or the correspondence between the bank card number and the mobile phone number. In this way, if the identification information of the resource transferee is the ID number or the bank card number, the resource transfer platform can first obtain the mobile phone number from the information management platform according to the ID number or the bank card number, and then send a text message or multimedia message including the resource transfer certificate to the terminal device installed with the target SIM card. Among them, the target SIM card can be a SIM card that stores the mobile phone number.

[0098] In this way, by directly sending the resource transfer certificate from the resource transfer platform to the resource transferee based on the identification information of the resource transferee, the efficiency of information transmission can be improved, thereby improving the efficiency of resource transfer.

[0099] In addition, in actual situations, it may be more convenient for the resource transferor and the resource transferor to communicate offline. Therefore, in order to improve the user's cross-wallet resource transfer experience, in some embodiments, the above S130 may specifically include:

[0100] The resource transfer certificate is sent to the first electronic wallet platform so that the first electronic wallet platform provides the resource transfer certificate to the resource transferee.

[0101] Here, if the resource transfer voucher is displayed in the form of a graphic code, then after receiving the resource transfer voucher, the first electronic wallet platform can display the resource transfer voucher on the front-end interface of the first electronic wallet platform (i.e., the interactive interface of the first electronic wallet), and directly display the resource transfer voucher to the resource transferee, so that the resource transferee can use any second electronic wallet to scan and identify the resource transfer voucher.

[0102] In addition, if the resource transfer voucher is displayed in the form of a graphic code or a link, after receiving the resource transfer voucher, the first electronic wallet platform can display a prompt message of receiving the resource transfer voucher on the front-end interface of the first electronic wallet platform (i.e., the interactive interface of the first electronic wallet), so that the resource transferor can send the resource transfer voucher offline to the terminal device of the resource transferee, so that the resource transferee can use any second electronic wallet to identify the resource transfer voucher.

[0103] In this way, by providing the resource transfer certificate to the resource transferee offline, the user's cross-wallet resource transfer experience can be improved.

[0104] It should be noted that in the embodiment of the present application, the execution entity that ultimately receives the resource transfer certificate may be the terminal device of the resource transferee.

[0105] In addition, the second electronic wallet can be an electronic wallet that comes with the electronic device, or it can be a third-party electronic wallet, which is not limited here. The second electronic wallet information of the second electronic wallet can be used to identify the second electronic wallet. The second electronic wallet information may include the name, version, brand and other information of the second electronic wallet. The second account information for logging into the second electronic wallet can be used to identify the resource transferor who uses the second electronic wallet to receive resources. The second account information may include at least one of the account name, account identification, mobile phone number, ID card number and other information. Moreover, the second electronic wallet is any electronic wallet logged in based on the identification information of the resource transferor. That is, there is an association between the second account information for logging into the second electronic wallet and the identification information of the resource transferor. For example, if the identification information is a mobile phone number, the second account information may be the mobile phone number, or it may include the mobile phone number and the account name at the same time.

[0106] Based on this, as an example, after receiving the resource transfer certificate through the terminal device, the resource transferor can use any second electronic wallet installed in the terminal device to identify the resource transfer certificate, determine the resource transfer identifier, the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferor, and synchronize the above information to the second electronic wallet platform. After identifying the above information, the second electronic wallet platform can obtain the second account information logged in to the second electronic wallet, and match the second account information with the identification information of the resource transferor. If the second account information matches the identification information of the resource transferor, the subsequent resource transfer operation is allowed. If the second account information does not match the identification information of the resource transferor, the subsequent resource transfer operation is rejected. Among them, if the second electronic wallet is an electronic wallet logged in based on the identification information of the resource transferor, it can be determined that the second account information and the identification information of the resource transferor have an associated relationship, and then it can be determined that the two match. For example, if the identification information is a mobile phone number, and the second account information includes the mobile phone number and the account name at the same time, it can be determined that the second account information and the identification information of the resource transferor match.

[0107] When the second account information matches the identification information of the resource transferee, the resource transfer prompt information can be displayed on the front-end interface of the second electronic wallet platform. The resource transfer prompt information includes the first electronic wallet information, the first account information and the resource transfer value. Among them, as described above, the first electronic wallet information can be used to identify the first electronic wallet, and the first account information can be used to identify the resource transferor who logs in to the first electronic wallet. Based on this, the resource transfer prompt information can be used to prompt the resource transferee: the resource transferor transfers the above resource transfer value through the first electronic wallet. The resource transfer prompt information can be, for example: payer ** transfers ** yuan through ** electronic wallet.

[0108] After seeing the resource transfer prompt information, the resource transferee (i.e., the user receiving the resource) can confirm the resource transfer prompt information. In response to the confirmation input of the resource transferee, the second electronic wallet platform can obtain the second electronic wallet information and the second account information; generate a resource receiving request based on the second electronic wallet information and the second account information; and send the resource receiving request to the resource transfer platform. The resource receiving request may include the second electronic wallet information and the second account information.

[0109] In some embodiments, in S140 and S150, the resource transfer platform may receive a resource reception request sent by the second electronic wallet platform, and in response to the resource reception request, transfer resources from the first electronic wallet platform to the second electronic wallet platform based on the resource transfer request and information in the resource reception request.

[0110] As described above, the information in the resource transfer request may include the first electronic wallet information, the first account information and the resource transfer value; the information in the resource reception request may include the second electronic wallet information and the second account information. Therefore, after receiving the resource reception request, the resource transfer platform can parse the resource reception request, determine the second electronic wallet information and the second account information, and determine the second account associated with the second electronic wallet platform based on the second electronic wallet information and the second account information. In addition, the resource transfer platform can also determine the first account associated with the first electronic wallet platform based on the first electronic wallet information and the first account information. Afterwards, the resource transfer platform can transfer the resource transfer value from the first account of the first electronic wallet platform, and transfer the resource transfer value to the second account of the second electronic wallet platform, thereby completing the cross-wallet resource transfer.

[0111] In actual situations, the processing of resource flows (such as fund flows) may depend on resource transfer records. Therefore, in order to transfer resources across wallets, in some embodiments, the above S150 may specifically include:

[0112] In response to the resource reception request, add the second electronic wallet information and the second account information to the first resource transfer record to obtain a second resource transfer record;

[0113] Based on the second resource transfer record, resources are transferred from the first electronic wallet platform to the second electronic wallet platform.

[0114] Here, the second resource transfer record may include a complete resource transfer field for implementing cross-wallet resource transfer. The second resource transfer record may specifically include field information such as resource transfer identifier, first electronic wallet information, first account information, resource transfer value, second electronic wallet information, second account information, and identification information of the resource recipient.

[0115] As an example, the resource transfer platform can identify the second resource transfer record to determine the first electronic wallet information, the first account information, the resource transfer value, the second electronic wallet information, the second account information and other information, and based on the above information, transfer the resource transfer value from the first account of the first electronic wallet platform, and transfer the resource transfer value to the second account of the second electronic wallet platform to complete the cross-wallet resource transfer.

[0116] The embodiment of the present application can realize cross-wallet resource transfer through the resource transfer platform by providing a second resource transfer record for the resource transfer platform.

[0117] In addition, the resource receiving request may also include identity verification information for verifying the identity of the resource transferee, wherein the identity verification information may include any one of a verification code, a password of the second account, and the like.

[0118] Based on this, in order to ensure the security of cross-wallet resource transfer, in some embodiments, the above S150 may specifically include:

[0119] In response to the resource receiving request, verify the identity authentication information and obtain a verification result;

[0120] When the verification result is that the verification is passed, the resources are transferred from the first electronic wallet platform to the second electronic wallet platform based on the information in the resource transfer request and the resource reception request.

[0121] Here, if the identity authentication information is a verification code, the identity authentication information can be verified by comparing the first verification code sent to the resource transferor with the second verification code received from the second electronic wallet platform. If the two are consistent, it can be determined that the verification result of the identity of the resource transferor is passed.

[0122] In addition, the resource transfer platform can communicate with the second electronic wallet platform to obtain the password of the second account from the second electronic wallet platform. Therefore, if the identity authentication information is the password of the second account, then the verification of the identity authentication information can be to compare the first password and the second password obtained from the second electronic wallet platform. If the two are consistent, it can be determined that the verification result of the identity of the resource transferee is passed. Among them, the first password can be the password of the second account included in the resource reception request, and the second password can be the password of the second account actively obtained by the resource transfer platform from the second electronic wallet platform after receiving the resource reception request.

[0123] In this way, by verifying the identity authentication information, and transferring resources from the first electronic wallet platform to the second electronic wallet platform when the verification result is passed, the security of cross-wallet resource transfer can be guaranteed.

[0124] Based on this, in order to verify the identity of the resource transferee and ensure the security of cross-wallet resource transfer, in some embodiments, before the above S140, the following steps may also be included:

[0125] Receiving an identity authentication request sent by the second electronic wallet platform for verifying the identity of the resource transferee, wherein the identity authentication request includes a resource transfer identifier;

[0126] In response to the identity authentication request, identity authentication information for verifying the identity of the resource transferee is sent to the resource transferee corresponding to the resource transfer identifier, so that the resource transferee enters the identity authentication information on the front-end interface of the second electronic wallet platform, and the second electronic wallet platform generates a resource receiving request based on the identity authentication information.

[0127] Here, since the first resource transfer record may include the resource transfer identifier and the identification information of the resource transferee, after determining the resource transfer identifier, the identification information of the resource transferee may be determined according to the correspondence between the resource transfer identifier and the identification information of the resource transferee, and then the terminal device of the resource transferee may be determined according to the correspondence between the identification information of the resource transferee and the terminal device of the resource transferee. Based on this, the resource transfer platform may send identity authentication information to the terminal device of the resource transferee.

[0128] As an example, after receiving the confirmation input of the resource transfer prompt information from the resource transferee, the second electronic wallet platform may also generate an identity authentication request for verifying the identity of the resource transferee, and send the identity authentication request to the resource transfer platform. After receiving the identity authentication request, the resource transfer platform may first determine the resource transfer identifier from the identity authentication request, then determine the identification information of the resource transferee corresponding to the resource transfer identifier, then determine the terminal device of the resource transferee, and then send the identity authentication information (such as a verification code) to the terminal device of the resource transferee.

[0129] After receiving the identity authentication information through the terminal device, the resource transferor can input the identity authentication information into the corresponding position of the front-end interface of the second electronic wallet platform. After receiving the identity authentication information input by the resource transferor, the second electronic wallet platform can generate a resource receiving request based on the identity authentication information, the second electronic wallet information and the second account information, and send the resource receiving request to the resource transfer platform. Therefore, the resource receiving request can include the identity authentication information, the second electronic wallet information and the second account information to generate the resource receiving request.

[0130] In this way, by first sending the first identity authentication information to the resource transferee through the resource transfer platform, and then receiving the second identity authentication information sent by the second electronic wallet platform, the identity of the resource transferee can be verified based on the first identity authentication information and the second identity authentication information, thereby ensuring the security of cross-wallet resource transfer.

[0131] In addition, in order to further enhance the user's cross-wallet resource transfer experience, in some embodiments, after the above S150, the following steps may also be included:

[0132] Send resource transfer success response information to the first electronic wallet platform and the second electronic wallet platform respectively.

[0133] After receiving the resource transfer success response information, the first electronic wallet platform can display the resource transfer success response information to the user who transferred the resources (i.e., the resource transferor) so that the user can confirm that the resource transfer is successful, further improving the user's cross-wallet resource transfer experience.

[0134] Similarly, after receiving the resource transfer success response information, the second electronic wallet platform can display the resource transfer success response information to the user receiving the resources (i.e., the resource transferee), so that the user can confirm that the resource transfer is successful, further enhancing the user's cross-wallet resource transfer experience.

[0135] The following is an introduction to the resource transfer method applied to the first electronic wallet platform provided in the embodiment of the present application.

[0136] Figure 2The flowchart of a resource transfer method applied to a first electronic wallet platform provided in an embodiment of the present application is shown. The resource transfer method can be executed by a backend server of the first electronic wallet platform. Figure 2 As shown, the resource transfer method provided in the embodiment of the present application includes the following steps S210-S230.

[0137] S210, in response to an interactive operation of the resource transferor for performing a cross-electronic wallet resource transfer, obtaining first electronic wallet information of the first electronic wallet, first account information for logging into the first electronic wallet, a resource transfer value, and identification information of the resource transferee.

[0138] S220: Generate a resource transfer request based on the first electronic wallet information, the first account information, the resource transfer value, and the identification information of the resource transferee.

[0139] In some embodiments, the resource transferor may perform an interactive operation on the front-end interface of the first electronic wallet platform (i.e., the interactive interface of the first electronic wallet) to initiate a resource transfer request. Specifically, after receiving the interactive operation of the resource transferor, the first electronic wallet platform may, in response to the interactive operation, first obtain the first electronic wallet information of the first electronic wallet, the first account information for logging into the first electronic wallet, the resource transfer value, and the identification information of the resource transferee, and then generate a resource transfer request based on the first electronic wallet information, the first account information, the resource transfer value, and the identification information of the resource transferee.

[0140] In some embodiments, the above S210 may specifically include:

[0141] Displaying a target control on the front-end interface of the first electronic wallet platform, the target control being used for transferring resources across electronic wallets;

[0142] In response to an input of a target control by a resource transferor, a target interface for performing resource transfer across electronic wallets is displayed;

[0143] In response to the input of the resource transferor to the target interface, the first electronic wallet information of the first electronic wallet, the first account information for logging into the first electronic wallet, the resource transfer value and the identification information of the resource transferee are obtained.

[0144] Here, the input of the resource transferor to the target control can be a user's click input, a user's sliding input, a user's voice input, or a user's command input implemented by other devices connected to the electronic device. The other devices may include at least one of a remote control, a mouse, a keyboard, and other devices with a typing function.

[0145] The target interface may display a first information input box for the user to input the identification information of the resource recipient and the resource transfer value. After the resource transferor inputs the identification information and the resource transfer value in the first information input box, in response to the confirmation input of the resource transferor, the first electronic wallet platform may obtain the first electronic wallet information of the first electronic wallet, the first account information for logging into the first electronic wallet, and obtain the identification information and the resource transfer value of the resource recipient based on the user input.

[0146] S230, sending a resource transfer request to the resource transfer platform so that the resource transfer platform generates a resource transfer certificate in response to the resource transfer request and sends the resource transfer certificate to the resource transferee; receiving a resource reception request from the second electronic wallet platform in response to the resource transfer certificate feedback; and in response to the resource reception request, transferring resources from the first electronic wallet platform to the second electronic wallet platform based on the information in the resource transfer request and the resource reception request; wherein the second electronic wallet platform includes a backend server of the second electronic wallet, the second electronic wallet is any electronic wallet logged in based on the identification information of the resource transferee, and the resource reception request includes the second electronic wallet information of the second electronic wallet and the second account information for logging in to the second electronic wallet.

[0147] Here, the resource transfer platform may directly send the resource transfer certificate to the resource transferee, or may first send the resource transfer certificate to the first electronic wallet platform, and then the first electronic wallet platform may provide the resource transfer certificate to the resource transferee, without limitation here.

[0148] In actual situations, it may be more convenient for the resource transferor and the resource transferor to communicate offline. Therefore, in order to improve the user's cross-wallet resource transfer experience, in some embodiments, after the above S230, the following may also be included:

[0149] Receive the resource transfer certificate sent by the resource transfer platform;

[0150] Provide resource transfer certificates to the resource transferee.

[0151] Here, if the resource transfer voucher is displayed in the form of a graphic code, then after receiving the resource transfer voucher, the first electronic wallet platform can display the resource transfer voucher on the front-end interface of the first electronic wallet platform (i.e., the interactive interface of the first electronic wallet), and directly display the resource transfer voucher to the resource transferee, so that the resource transferee can use any second electronic wallet to scan and identify the resource transfer voucher.

[0152] In addition, if the resource transfer voucher is displayed in the form of a graphic code or a link, after receiving the resource transfer voucher, the first electronic wallet platform can display a prompt message of receiving the resource transfer voucher on the front-end interface of the first electronic wallet platform (i.e., the interactive interface of the first electronic wallet), so that the resource transferor can send the resource transfer voucher offline to the terminal device of the resource transferee, so that the resource transferee can use any second electronic wallet to identify the resource transfer voucher.

[0153] In this way, by providing the resource transfer certificate to the resource transferee offline, the user's cross-wallet resource transfer experience can be improved.

[0154] In addition, in order to further enhance the user's cross-wallet resource transfer experience, in some embodiments, after the above S230, the following may also be included:

[0155] Receive resource transfer success response information sent by the resource transfer platform.

[0156] After receiving the resource transfer success response information, the first electronic wallet platform can display the resource transfer success response information to the user who transferred the resources (i.e., the resource transferor) so that the user can confirm that the resource transfer is successful, further improving the user's cross-wallet resource transfer experience.

[0157] In addition, the other steps of the method in the embodiment of the present application can be seen above Figure 1 The relevant description of the illustrated embodiment will not be repeated here.

[0158] In the embodiment of the present application, the first electronic wallet platform responds to the interactive operation of the resource transferor for performing cross-electronic wallet resource transfer, generates a resource transfer request, and sends the resource transfer request to the resource transfer platform, so that the resource transfer platform can respond to the resource transfer request, generate a resource transfer certificate based on the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferee, and send the resource transfer certificate to the resource transferee, instead of sending the resource transfer certificate to the background server of a pre-specified electronic wallet, that is, the electronic wallet information and account information for receiving resources are not specified when the resource transfer is initiated, so that the resource transferee can independently select the second electronic wallet that wants to receive the resource, thereby improving the flexibility of resource transfer, and further improving the resource transfer experience of the user when performing cross-wallet resource transfer. In addition, by sending the resource transfer certificate to the resource transferee through the resource transfer platform, the resource transferee can independently select the second electronic wallet that wants to receive the resource, without the need for the resource transferee to inform the resource transferor in advance of the electronic wallet information and account information that the resource transferor wants to receive the resource, which can ensure the security of information transmission. Based on this, the resource transfer platform receives the resource receiving request of the second electronic wallet platform in response to the resource transfer credential feedback, and in response to the resource receiving request, based on the information in the resource transfer request and the resource receiving request, the resource is transferred from the first electronic wallet platform to the second electronic wallet platform, which can improve the security of cross-wallet resource transfer. In this way, through the embodiments of the present application, the security of cross-wallet resource transfer can be improved, and the resource transfer experience of users when performing cross-wallet resource transfer can be improved.

[0159] The following is an introduction to the resource transfer method applied to the second electronic wallet platform provided in the embodiment of the present application.

[0160] Figure 3 The flowchart of a resource transfer method applied to a second electronic wallet platform provided in an embodiment of the present application is shown. The resource transfer method can be executed by a backend server of the second electronic wallet platform. Figure 3 As shown, the resource transfer method provided in the embodiment of the present application includes the following steps S310-S340.

[0161] S310, identifying the resource transfer credential received by the resource transferee, the resource transfer credential is generated by the resource transfer platform in response to the resource transfer request, based on the first electronic wallet information of the first electronic wallet, the first account information for logging into the first electronic wallet, the resource transfer value and the identification information of the resource transferee, the resource transfer request is generated by the first electronic wallet platform and is used for cross-electronic wallet resource transfer, and the first electronic wallet platform includes the backend server of the first electronic wallet.

[0162] Here, the resource transferee can receive the resource transfer certificate sent by the resource transfer platform or the first electronic wallet platform through the terminal device of the resource transferee, and can also directly view the resource transfer certificate in the front-end interface of the first electronic wallet platform, which is not limited here. In addition, the second electronic wallet platform can identify the resource transfer certificate through the second electronic wallet. Among them, the second electronic wallet can be installed in the terminal device of the resource transferee. The second electronic wallet can specifically be any electronic wallet selected by the resource transferee from one or more electronic wallets logged in based on the identification information of the resource transferee.

[0163] The second electronic wallet platform can determine information such as the first electronic wallet information, the first account information, the resource transfer value, and the identification information of the resource transferee by identifying the resource transfer certificate.

[0164] S320, when the identification information in the resource transfer voucher matches the second account information for logging into the second electronic wallet, display resource transfer prompt information on the front-end interface of the second electronic wallet platform, the resource transfer prompt information including the first electronic wallet information, the first account information and the resource transfer value.

[0165] After identifying the identification information, the second electronic wallet platform can obtain the second account information for logging into the second electronic wallet, and match the identification information with the second account information. Specifically, if the second electronic wallet is an electronic wallet logged in based on the identification information of the resource transferee, it can be determined that the second account information and the identification information of the resource transferee are associated, and then it can be determined that the two match. For example, if the identification information is a mobile phone number, and the second account information includes both the mobile phone number and the account name, it can be determined that the second account information matches the identification information of the resource transferee.

[0166] When the second account information matches the identification information of the resource transferee, the resource transfer prompt information can be displayed on the front-end interface of the second electronic wallet platform. The resource transfer prompt information includes the first electronic wallet information, the first account information and the resource transfer value. Among them, as described above, the first electronic wallet information can be used to identify the first electronic wallet, and the first account information can be used to identify the resource transferor who logs in to the first electronic wallet. Based on this, the resource transfer prompt information can be used to prompt the resource transferee: the resource transferor transfers the above resource transfer value through the first electronic wallet. The resource transfer prompt information can be, for example: payer ** transfers ** yuan through ** electronic wallet.

[0167] After seeing the resource transfer prompt information, the resource transferee (i.e., the user receiving the resource) can make a confirmation input for the resource transfer prompt information. The confirmation input can be a click input by the user, a sliding input by the user, a voice input by the user, or a command input by the user using other devices connected to the electronic device, and the other devices can include at least one of devices with a typing function such as a remote controller, a mouse, and a keyboard.

[0168] S330 , in response to the resource transferee's confirmation input of the resource transfer prompt information, generating a resource receiving request based on the second electronic wallet information of the second electronic wallet and the second account information for logging into the second electronic wallet.

[0169] Here, after receiving the confirmation input of the resource transfer prompt information from the resource transferee, the second electronic wallet platform can obtain the second electronic wallet information of the second electronic wallet and the second account information for logging into the second electronic wallet, and generate a resource reception request based on the second electronic wallet information of the second electronic wallet and the second account information for logging into the second electronic wallet.

[0170] In addition, the resource transfer voucher may include a resource transfer identifier for identifying the resource transfer. Based on this, in order to ensure the security of cross-wallet resource transfer, in some embodiments, the above S330 may specifically include:

[0171] In response to the resource transferee's confirmation input of the resource transfer prompt information, generating an identity authentication request for verifying the identity of the resource transferee, wherein the identity authentication request includes a resource transfer identifier;

[0172] Sending an identity authentication request to the resource transfer platform, so that the resource transfer platform responds to the identity authentication request and sends first identity authentication information for verifying the identity of the resource transferee to the resource transferee corresponding to the resource transfer identifier;

[0173] In response to the resource transferee inputting identity authentication information on the front-end interface of the second electronic wallet platform, obtaining second identity authentication information;

[0174] A resource receiving request is generated based on the second identity authentication information, the second electronic wallet information, and the second account information.

[0175] Here, the identity authentication request can be used to request identity authentication information from the resource transfer platform. The identity authentication information can be, for example, a verification code. After receiving the identity authentication request, the resource transfer platform can first identify the resource transfer identifier from the identity authentication request; then determine the identification information of the resource transferee based on the correspondence between the resource transfer identifier and the identification information of the resource transferee; then determine the terminal device of the resource transferee based on the correspondence between the identification information of the resource transferee and the terminal device of the resource transferee; and then send the first identity authentication information to the terminal device of the resource transferee. If the identification information is a mobile phone number, the resource transfer platform can send the first verification code to the mobile phone number of the resource transferee.

[0176] In addition, after the second electronic wallet platform sends the identity authentication request to the resource transfer platform, a second information input box for the user to input identity authentication information can be displayed on the front-end interface of the second electronic wallet. The resource transferee can enter the second identity authentication information in the second information input box. If the second identity authentication information is different from the first identity authentication information, the identity authentication of the resource transferee will fail. If the second identity authentication information is the same as the first identity authentication information, it can be determined that the identity authentication of the resource transferee is successful.

[0177] After obtaining the second identity authentication information, the second electronic wallet platform can generate a resource receiving request based on the second identity authentication information, the second electronic wallet information and the second account information. That is, the resource receiving request can include the second identity authentication information, the second electronic wallet information and the second account information.

[0178] In this way, by subsequently sending a resource receiving request including the second identity authentication information to the resource transfer platform, the resource transfer platform can compare the first identity authentication information and the second identity authentication information. When the two are the same, it is determined that the identity authentication is passed and the resource transfer across the electronic wallet is performed, thereby ensuring the security of the cross-wallet resource transfer.

[0179] S340, sending a resource receiving request to the resource transfer platform, so that the resource transfer platform responds to the resource receiving request and transfers resources from the first electronic wallet platform to the second electronic wallet platform based on the information in the resource transfer request and the resource receiving request.

[0180] In addition, in order to further enhance the user's cross-wallet resource transfer experience, in some embodiments, after the above S340, the following may also be included:

[0181] Receive resource transfer success response information sent by the resource transfer platform.

[0182] After receiving the resource transfer success response information, the second electronic wallet platform can display the resource transfer success response information to the user receiving the resources (i.e., the resource transferee), so that the user can confirm that the resource transfer is successful, further improving the user's cross-wallet resource transfer experience.

[0183] In addition, the other steps of the method in the embodiment of the present application can be seen above Figure 1 The relevant description of the illustrated embodiment will not be repeated here.

[0184] In the embodiment of the present application, since the second electronic wallet is any electronic wallet logged in based on the identification information of the resource transferee, after receiving the resource transfer voucher, the resource transferee can independently select the second electronic wallet that it wishes to receive the resource, thereby improving the flexibility of resource transfer, and thus improving the resource transfer experience of the user when performing cross-wallet resource transfer. In addition, the resource transferee can independently select the second electronic wallet that it wishes to receive the resource, without the need for the resource transferee to inform the resource transferor in advance of the electronic wallet information and account information that it wishes to receive the resource, thereby ensuring the security of information transmission. Based on this, the resource transfer platform receives the resource reception request of the second electronic wallet platform in response to the resource transfer voucher feedback, and in response to the resource reception request, based on the information in the resource transfer request and the resource reception request, the resource transfer is performed from the first electronic wallet platform to the second electronic wallet platform, thereby improving the security of cross-wallet resource transfer. In this way, through the embodiment of the present application, the security of cross-wallet resource transfer can be improved, and the resource transfer experience of the user when performing cross-wallet resource transfer can be improved.

[0185] In order to better describe the entire solution, some specific examples are given based on the above embodiments.

[0186] For example, Figure 4 As shown, the resource transfer method applied to the resource transfer system provided in the embodiment of the present application may include the following steps:

[0187] S41, the first electronic wallet platform sends a resource transfer request to the resource transfer platform; wherein the resource transfer request includes the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferee;

[0188] S42, the resource transfer platform generates a resource transfer certificate based on the resource transfer request; wherein the resource transfer certificate includes the resource transfer identifier and the above information;

[0189] S43, the resource transfer platform sends a resource transfer certificate to the first electronic wallet platform;

[0190] S44, the resource transferor provides the resource transfer certificate to the resource transferee offline through the first electronic wallet platform;

[0191] S45, the resource transferee identifies the resource transfer voucher through the second electronic wallet platform, and when the identification information in the resource transfer voucher matches the second account information for logging into the second electronic wallet, the resource transfer prompt information is displayed on the front-end interface of the second electronic wallet platform, so that the resource transferee can view the resource transfer prompt information;

[0192] S46, the second electronic wallet platform receives the confirmation input of the resource transferee for the resource transfer prompt information;

[0193] S47, the second electronic wallet platform sends an identity authentication request carrying a resource transfer identifier to the resource transfer platform;

[0194] S48, the resource transfer platform sends the first identity authentication information to the resource transferee corresponding to the resource transfer identifier;

[0195] S49, the second electronic wallet platform obtains the second identity authentication information input by the resource transferee in the front-end interface of the second electronic wallet, and generates a resource receiving request based on the second identity authentication information, the second electronic wallet information and the second account information;

[0196] S410, the second electronic wallet platform sends a resource receiving request to the resource transfer platform;

[0197] S411. The resource transfer platform verifies the second identity authentication information in the resource receiving request based on the first identity authentication information. If the verification is successful, the resource is transferred from the first account associated with the first electronic wallet platform to the second account associated with the second electronic wallet platform; wherein the first account is the account corresponding to the first account information, and the second account is the account corresponding to the second account information;

[0198] S412, the resource transfer platform sends a resource transfer success response message to the first electronic wallet platform;

[0199] S413: The resource transfer platform sends a resource transfer success response message to the second electronic wallet platform.

[0200] Therefore, through the embodiments of the present application, while realizing the resource transfer across electronic wallets, the resource transferee can independently select the second electronic wallet that wishes to receive the resources, thereby improving the flexibility of resource transfer, and further improving the resource transfer experience of users when performing cross-wallet resource transfer. In addition, by sending a resource transfer certificate to the resource transferee through the resource transfer platform, the resource transferee can independently select the second electronic wallet that wishes to receive the resources, without the need for the resource transferee to inform the resource transferor in advance of the electronic wallet information and account information that wishes to receive the resources, thereby ensuring the security of information transmission and improving the security of cross-wallet resource transfer. In addition, through the deep involvement of the resource transfer platform (i.e., the backend server of the clearing agency) in the resource transfer process, it is helpful to improve the degree of involvement of the clearing agency in the resource transfer market.

[0201] Based on the resource transfer method applied to the resource transfer platform provided in the above embodiment, accordingly, the present application also provides a specific implementation of a resource transfer device applied to the resource transfer platform. Please refer to the following embodiment.

[0202] like Figure 5 As shown, the resource transfer device 500 provided in the embodiment of the present application includes the following modules:

[0203] The first receiving module 510 is used to receive a resource transfer request sent by the first electronic wallet platform, the resource transfer request is used to transfer resources across electronic wallets, the first electronic wallet platform includes a backend server of the first electronic wallet, and the resource transfer request includes first electronic wallet information of the first electronic wallet, first account information for logging into the first electronic wallet, resource transfer value, and identification information of the resource transferee;

[0204] A first generating module 520, configured to generate a resource transfer voucher in response to a resource transfer request based on the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferee;

[0205] The first sending module 530 is used to send the resource transfer certificate to the resource transferee, so that the resource transferee generates a resource receiving request based on the resource transfer certificate through the second electronic wallet platform, the second electronic wallet platform includes a backend server of the second electronic wallet, the second electronic wallet is any electronic wallet logged in based on the identification information of the resource transferee, and the resource receiving request includes the second electronic wallet information of the second electronic wallet and the second account information for logging in to the second electronic wallet;

[0206] The first receiving module 510 is further configured to receive a resource receiving request from the second electronic wallet platform in response to the resource transfer voucher feedback;

[0207] The resource transfer module 540 is used to transfer resources from the first electronic wallet platform to the second electronic wallet platform in response to the resource reception request based on the information in the resource transfer request and the resource reception request.

[0208] The resource transfer device 500 is described in detail below, as follows:

[0209] In some embodiments, the first generating module 520 may specifically include:

[0210] A parsing submodule, configured to respond to the resource transfer request, parse the resource transfer request, and obtain the first electronic wallet information, the first account information, the resource transfer value, and the identification information of the resource transferee;

[0211] The first generating submodule is used to generate a first resource transfer record based on the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferee, wherein the first resource transfer record also includes a resource transfer identification; and generate a resource transfer certificate based on the first resource transfer record.

[0212] In some embodiments, the first sending module 530 may specifically include:

[0213] The first sending submodule is used to send the resource transfer certificate to the first electronic wallet platform, so that the first electronic wallet platform provides the resource transfer certificate to the resource transferee.

[0214] In some of the embodiments, the first sending submodule is further configured to send a resource transfer certificate to the resource transferee based on identification information of the resource transferee.

[0215] In some embodiments, the resource receiving request also includes identity authentication information for verifying the identity of the resource transferee. Based on this, the resource transfer module 540 may specifically include:

[0216] The verification submodule is used to verify the identity authentication information in response to the resource reception request and obtain a verification result;

[0217] The resource transfer submodule is used to transfer resources from the first electronic wallet platform to the second electronic wallet platform based on the information in the resource transfer request and the resource reception request when the verification result is that the verification is passed.

[0218] In some embodiments, the first receiving module 510 is further used to receive an identity authentication request sent by the second electronic wallet platform for verifying the identity of the resource transferee before receiving the resource receiving request from the second electronic wallet platform in response to the resource transfer credential feedback, wherein the identity authentication request includes a resource transfer identifier;

[0219] The first sending module 530 is also used to respond to the identity authentication request and send identity authentication information for verifying the identity of the resource transferee corresponding to the resource transfer identifier, so that the resource transferee can input the identity authentication information on the front-end interface of the second electronic wallet platform, and the second electronic wallet platform can obtain the identity authentication information, the second electronic wallet information and the second account information in response to the input, and generate a resource receiving request based on the identity authentication information, the second electronic wallet information and the second account information.

[0220] In some embodiments, the resource transfer module 540 may specifically include:

[0221] An adding submodule, configured to add the second electronic wallet information and the second account information to the first resource transfer record in response to the resource receiving request, so as to obtain a second resource transfer record;

[0222] The resource transfer submodule is further used to transfer resources from the first electronic wallet platform to the second electronic wallet platform based on the second resource transfer record.

[0223] In some embodiments, the first sending module 530 is further used to send resource transfer success response information to the first electronic wallet platform and the second electronic wallet platform respectively after transferring resources from the first electronic wallet platform to the second electronic wallet platform.

[0224] In the embodiment of the present application, when receiving the resource transfer request sent by the first electronic wallet platform, in response to the resource transfer request, a resource transfer certificate is generated based on the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferee, and the resource transfer certificate is sent to the resource transferee, instead of sending the resource transfer certificate to the background server of a pre-specified electronic wallet, that is, the electronic wallet information and account information for receiving resources are not specified when initiating the resource transfer, so that the resource transferee can independently select the second electronic wallet that wants to receive the resources, thereby improving the flexibility of resource transfer, and further improving the resource transfer experience of users when performing cross-wallet resource transfer. In addition, by sending the resource transfer certificate to the resource transferee, the resource transferee can independently select the second electronic wallet that wants to receive the resources, without the need for the resource transferee to inform the resource transferor in advance of the electronic wallet information and account information that the resource wants to receive the resources, which can ensure the security of information transmission. Based on this, by receiving the resource receiving request of the second electronic wallet platform in response to the resource transfer credential feedback, and responding to the resource receiving request, based on the information in the resource transfer request and the resource receiving request, the resource transfer is performed from the first electronic wallet platform to the second electronic wallet platform, which can improve the security of cross-wallet resource transfer. In this way, through the embodiments of the present application, the security of cross-wallet resource transfer can be improved, and the resource transfer experience of users when performing cross-wallet resource transfer can be improved.

[0225] Based on the resource transfer method applied to the first electronic wallet platform provided in the above embodiment, the present application also provides a specific implementation of a resource transfer device applied to the first electronic wallet platform. The first electronic wallet platform includes a backend server of the first electronic wallet. Please refer to the following embodiments.

[0226] like Figure 6 As shown, the resource transfer device 600 provided in the embodiment of the present application includes the following modules:

[0227] The acquisition module 610 is used to obtain the first electronic wallet information of the first electronic wallet, the first account information for logging into the first electronic wallet, the resource transfer value and the identification information of the resource transferee in response to the interactive operation of the resource transferor for performing the resource transfer across electronic wallets;

[0228] A second generating module 620, configured to generate a resource transfer request based on the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferee;

[0229] The second sending module 630 is used to send a resource transfer request to the resource transfer platform, so that the resource transfer platform generates a resource transfer certificate in response to the resource transfer request and sends the resource transfer certificate to the resource transferee; receive a resource receiving request from the second electronic wallet platform in response to the resource transfer certificate feedback; and in response to the resource receiving request, transfer resources from the first electronic wallet platform to the second electronic wallet platform based on the resource transfer request and the information in the resource receiving request, wherein the second electronic wallet platform includes a backend server of the second electronic wallet, the second electronic wallet is any electronic wallet logged in based on the identification information of the resource transferee, and the resource receiving request includes the second electronic wallet information of the second electronic wallet and the second account information for logging in to the second electronic wallet.

[0230] The resource transfer device 600 is described in detail below, as follows:

[0231] In some embodiments, the acquisition module 610 may specifically include:

[0232] A first display submodule is used to display a target control on the front-end interface of the first electronic wallet platform, the target control being used to transfer resources across electronic wallets; in response to input of the target control by the resource transferor, a target interface for transferring resources across electronic wallets is displayed;

[0233] The acquisition submodule is used to obtain the first electronic wallet information of the first electronic wallet, the first account information for logging into the first electronic wallet, the resource transfer value and the identification information of the resource transferee in response to the input of the resource transferor to the target interface.

[0234] In some embodiments, the resource transfer device 600 may further include:

[0235] A second receiving module is used to receive a resource transfer certificate sent by the resource transfer platform after sending a resource transfer request to the resource transfer platform;

[0236] Provides a module for providing resource transfer credentials to the resource transferee.

[0237] In some embodiments, the second receiving module is further configured to receive resource transfer success response information sent by the resource transfer platform after sending the resource transfer request to the resource transfer platform.

[0238] In the embodiment of the present application, the first electronic wallet platform responds to the interactive operation of the resource transferor for performing cross-electronic wallet resource transfer, generates a resource transfer request, and sends the resource transfer request to the resource transfer platform, so that the resource transfer platform can respond to the resource transfer request, generate a resource transfer certificate based on the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferee, and send the resource transfer certificate to the resource transferee, instead of sending the resource transfer certificate to the background server of a pre-specified electronic wallet, that is, the electronic wallet information and account information for receiving resources are not specified when the resource transfer is initiated, so that the resource transferee can independently select the second electronic wallet that wants to receive the resource, thereby improving the flexibility of resource transfer, and further improving the resource transfer experience of the user when performing cross-wallet resource transfer. In addition, by sending the resource transfer certificate to the resource transferee through the resource transfer platform, the resource transferee can independently select the second electronic wallet that wants to receive the resource, without the need for the resource transferee to inform the resource transferor in advance of the electronic wallet information and account information that the resource transferor wants to receive the resource, which can ensure the security of information transmission. Based on this, the resource transfer platform receives the resource receiving request of the second electronic wallet platform in response to the resource transfer credential feedback, and in response to the resource receiving request, based on the information in the resource transfer request and the resource receiving request, the resource is transferred from the first electronic wallet platform to the second electronic wallet platform, which can improve the security of cross-wallet resource transfer. In this way, through the embodiments of the present application, the security of cross-wallet resource transfer can be improved, and the resource transfer experience of users when performing cross-wallet resource transfer can be improved.

[0239] Based on the resource transfer method applied to the second electronic wallet platform provided in the above embodiment, the present application also provides a specific implementation method of the resource transfer device applied to the second electronic wallet. The second electronic wallet platform includes a backend server of the second electronic wallet, and the second electronic wallet is any electronic wallet logged in based on the identification information of the resource transferee. Please refer to the following embodiments.

[0240] like Figure 7As shown, the resource transfer device 700 provided in the embodiment of the present application includes the following modules:

[0241] The identification module 710 is used to identify the resource transfer certificate received by the resource transferee, the resource transfer certificate is generated by the resource transfer platform in response to the resource transfer request based on the first electronic wallet information of the first electronic wallet, the first account information for logging into the first electronic wallet, the resource transfer value and the identification information of the resource transferee, the resource transfer request is generated by the first electronic wallet platform and is used for cross-electronic wallet resource transfer, and the first electronic wallet platform includes the backend server of the first electronic wallet;

[0242] Display module 720, used to display resource transfer prompt information on the front-end interface of the second electronic wallet platform when the identification information in the resource transfer voucher matches the second account information for logging into the second electronic wallet, the resource transfer prompt information including the first electronic wallet information, the first account information and the resource transfer value;

[0243] The third generating module 730 is used to generate a resource receiving request based on the second electronic wallet information of the second electronic wallet and the second account information for logging into the second electronic wallet in response to the confirmation input of the resource transferor to the resource transfer prompt information;

[0244] The third sending module 740 is used to send a resource receiving request to the resource transfer platform, so that the resource transfer platform responds to the resource receiving request and transfers resources from the first electronic wallet platform to the second electronic wallet platform based on the information in the resource transfer request and the resource receiving request.

[0245] The resource transfer device 700 is described in detail below, as follows:

[0246] In some embodiments, the resource transfer voucher includes a resource transfer identifier. Based on this, the third generation module 730 may specifically include:

[0247] The second generating submodule is used to generate an identity authentication request for verifying the identity of the resource transferor in response to the confirmation input of the resource transferor to the resource transfer prompt information, wherein the identity authentication request includes a resource transfer identifier;

[0248] The second sending submodule is used to send an identity authentication request to the resource transfer platform, so that the resource transfer platform responds to the identity authentication request and sends first identity authentication information for verifying the identity of the resource transferee to the resource transferee corresponding to the resource transfer identifier;

[0249] A second display submodule, configured to obtain second identity authentication information in response to the resource transferee displaying the identity authentication information input on the front-end interface of the second electronic wallet platform;

[0250] The second generating submodule is further used to generate a resource receiving request based on the second identity authentication information, the second electronic wallet information and the second account information.

[0251] In some embodiments, the resource transfer apparatus 700 may further include:

[0252] The third receiving module is used to receive resource transfer success response information sent by the resource transfer platform after sending the resource receiving request to the resource transfer platform.

[0253] In the embodiment of the present application, since the second electronic wallet is any electronic wallet logged in based on the identification information of the resource transferee, after receiving the resource transfer voucher, the resource transferee can independently select the second electronic wallet that it wishes to receive the resource, thereby improving the flexibility of resource transfer, and thus improving the resource transfer experience of the user when performing cross-wallet resource transfer. In addition, the resource transferee can independently select the second electronic wallet that it wishes to receive the resource, without the need for the resource transferee to inform the resource transferor in advance of the electronic wallet information and account information that it wishes to receive the resource, thereby ensuring the security of information transmission. Based on this, the resource transfer platform receives the resource reception request of the second electronic wallet platform in response to the resource transfer voucher feedback, and in response to the resource reception request, based on the information in the resource transfer request and the resource reception request, the resource transfer is performed from the first electronic wallet platform to the second electronic wallet platform, thereby improving the security of cross-wallet resource transfer. In this way, through the embodiment of the present application, the security of cross-wallet resource transfer can be improved, and the resource transfer experience of the user when performing cross-wallet resource transfer can be improved.

[0254] Based on the resource transfer method provided in the above embodiment, the embodiment of the present application also provides a specific implementation of the electronic device. Figure 8 A schematic diagram of an electronic device 800 provided in an embodiment of the present application is shown.

[0255] The electronic device 800 may include a processor 810 and a memory 820 storing computer program instructions.

[0256] Specifically, the processor 810 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.

[0257] The memory 820 may include a large capacity memory for data or instructions. By way of example and not limitation, the memory 820 may include a hard disk drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a universal serial bus (USB) drive or a combination of two or more of these. Where appropriate, the memory 820 may include a removable or non-removable (or fixed) medium. Where appropriate, the memory 820 may be inside or outside the electronic device 800. In a particular embodiment, the memory 820 is a non-volatile solid-state memory.

[0258] The memory may include a read-only memory (ROM), a random access memory (RAM), a magnetic disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical or other physical / tangible memory storage device. Thus, typically, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method according to the first aspect of the present application.

[0259] The processor 810 implements any one of the resource transfer methods in the above embodiments by reading and executing computer program instructions stored in the memory 820 .

[0260] In one example, the electronic device 800 may further include a communication interface 830 and a bus 840. Figure 8 As shown, the processor 810, the memory 820, and the communication interface 830 are connected via a bus 840 and communicate with each other.

[0261] The communication interface 830 is mainly used to implement communication between various modules, devices, units and / or equipment in the embodiments of the present application.

[0262] Bus 840 includes hardware, software or both, and the parts of electronic equipment are coupled to each other. For example, but not limitation, bus may include accelerated graphics port (AGP) or other graphics bus, enhanced industrial standard architecture (EISA) bus, front side bus (FSB), hypertransport (HT) interconnection, industrial standard architecture (ISA) bus, infinite bandwidth interconnection, low pin count (LPC) bus, memory bus, micro channel architecture (MCA) bus, peripheral component interconnection (PCI) bus, PCI-Express (PCI-X) bus, serial advanced technology attachment (SATA) bus, video electronics standard association local (VLB) bus or other suitable bus or two or more of these combinations. In appropriate cases, bus 840 may include one or more buses. Although the present application embodiment describes and shows a specific bus, the application considers any suitable bus or interconnection.

[0263] Exemplarily, the electronic device 800 may be a mobile phone, a tablet computer, a laptop computer, a PDA, an in-vehicle electronic device, an ultra-mobile personal computer (UMPC), a netbook, or a personal digital assistant (PDA).

[0264] The electronic device can execute the resource transfer method in the embodiment of the present application, thereby realizing the combination Figures 1 to 7 Described resource transfer method and device.

[0265] In addition, in combination with the payment method in the above embodiment, the embodiment of the present application also provides a resource transfer system. The resource transfer system may include the first electronic wallet platform, the second electronic wallet platform and the resource transfer platform in the above embodiment. The first electronic wallet platform can execute the resource transfer method applied to the first electronic wallet platform in the above embodiment. The second electronic wallet platform can execute the resource transfer method applied to the second electronic wallet platform in the above embodiment. The resource transfer platform can execute the resource transfer method applied to the resource transfer platform in the above embodiment. For specific contents, please refer to the relevant descriptions in the above embodiments, and the same technical effects can be achieved. In order to avoid repetition, it will not be repeated here.

[0266] In combination with the resource transfer method in the above embodiment, the embodiment of the present application can provide a computer-readable storage medium for implementation. The computer-readable storage medium stores computer program instructions; when the computer program instructions are executed by a processor, any one of the resource transfer methods in the above embodiment is implemented.

[0267] In combination with the resource transfer method in the above embodiment, the embodiment of the present application can provide a computer program product for implementation. When the instructions in the computer program product are executed by a processor of an electronic device, any one of the resource transfer methods in the above embodiment is implemented.

[0268] It should be clear that the present application is not limited to the specific configuration and processing described above and shown in the figures. For the sake of simplicity, a detailed description of the known method is omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method process of the present application is not limited to the specific steps described and shown, and those skilled in the art can make various changes, modifications and additions, or change the order between the steps after understanding the spirit of the present application.

[0269] The functional blocks shown in the above-described block diagram can be implemented as hardware, software, firmware or a combination thereof. When implemented in hardware, it can be, for example, an electronic circuit, an application-specific integrated circuit (ASIC), appropriate firmware, a plug-in, a function card, etc. When implemented in software, the elements of the present application are programs or code segments that are used to perform the required tasks. The program or code segment can be stored in a machine-readable medium, or transmitted on a transmission medium or a communication link by a data signal carried in a carrier wave. "Machine-readable medium" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, optical fiber media, radio frequency (RF) links, etc. The code segment can be downloaded via a computer network such as the Internet, an intranet, etc.

[0270] It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, this application is not limited to the order of the above steps, that is, the steps can be performed in the order mentioned in the embodiment, or in a different order from the embodiment, or several steps can be performed simultaneously.

[0271] The above reference is according to the method of the embodiment of the present application, the flow chart of the device (system) and the computer program product and / or the block diagram described various aspects of the present application.It should be understood that each square box in the flow chart and / or the block diagram and the combination of each square box in the flow chart and / or the block diagram can be realized by computer program instructions.These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer or other programmable data processing device to produce a machine so that these instructions executed by the processor of the computer or other programmable data processing device enable the realization of the function / action specified in one or more square boxes of the flow chart and / or the block diagram.Such a processor can be but is not limited to a general-purpose processor, a special-purpose processor, a special application processor or a field programmable logic circuit.It can also be understood that each square box in the block diagram and / or the flow chart and the combination of the square boxes in the block diagram and / or the flow chart can also be realized by the dedicated hardware that performs the specified function or action, or can be realized by the combination of dedicated hardware and computer instructions.

[0272] The above is only a specific implementation of the present application. Those skilled in the art can clearly understand that for the convenience and simplicity of description, the specific working processes of the systems, modules and units described above can refer to the corresponding processes in the aforementioned method embodiments, and will not be repeated here. It should be understood that the protection scope of the present application is not limited to this. Any technician familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed in this application, and these modifications or replacements should be included in the protection scope of this application.

Claims

1. A resource transfer method, characterized in that: Applied to a resource transfer platform, the method includes: receiving a resource transfer request sent by a first electronic wallet platform, the resource transfer request being used to transfer resources across electronic wallets, the first electronic wallet platform including a backend server of the first electronic wallet, the resource transfer request including first electronic wallet information of the first electronic wallet, first account information for logging into the first electronic wallet, a resource transfer value, and identification information of a resource transferee; In response to the resource transfer request, generating a resource transfer credential based on the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferee; Sending the resource transfer certificate to the resource transferee so that the resource transferee generates a resource receiving request based on the resource transfer certificate through a second electronic wallet platform, wherein the second electronic wallet platform includes a backend server of a second electronic wallet, the second electronic wallet is any electronic wallet logged in based on the identification information of the resource transferee, and the resource receiving request includes second electronic wallet information of the second electronic wallet and second account information for logging in to the second electronic wallet; receiving the resource receiving request fed back by the second electronic wallet platform in response to the resource transfer credential; In response to the resource reception request, resources are transferred from the first electronic wallet platform to the second electronic wallet platform based on the resource transfer request and information in the resource reception request.

2. The method according to claim 1, characterized in that The step of generating a resource transfer credential based on the first electronic wallet information, the first account information, the resource transfer value, and the identification information of the resource transferee in response to the resource transfer request includes: In response to the resource transfer request, the resource transfer request is parsed to obtain the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferee; generating a first resource transfer record based on the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferee, wherein the first resource transfer record also includes a resource transfer identification; The resource transfer voucher is generated based on the first resource transfer record.

3. The method according to claim 1, characterized in that The sending the resource transfer certificate to the resource transferee includes: The resource transfer certificate is sent to the first electronic wallet platform, so that the first electronic wallet platform provides the resource transfer certificate to the resource transferee.

4. The method according to claim 1, characterized in that: The sending the resource transfer certificate to the resource transferee includes: The resource transfer credential is sent to the resource transferee based on the identification information of the resource transferee.

5. The method according to claim 1, characterized in that The resource receiving request also includes identity authentication information for verifying the identity of the resource transferee, and the response to the resource receiving request is based on the resource transfer request and the information in the resource receiving request, and the resource is transferred from the first electronic wallet platform to the second electronic wallet platform, including: In response to the resource receiving request, verifying the identity authentication information to obtain a verification result; When the verification result is that the verification is passed, resources are transferred from the first electronic wallet platform to the second electronic wallet platform based on the information in the resource transfer request and the resource reception request.

6. The method according to claim 5, characterized in that Before receiving the resource receiving request fed back by the second electronic wallet platform in response to the resource transfer voucher, the method further includes: Receiving an identity authentication request sent by the second electronic wallet platform for verifying the identity of the resource transferee, wherein the identity authentication request includes a resource transfer identifier; In response to the identity authentication request, identity authentication information for verifying the identity of the resource transferee is sent to the resource transferee corresponding to the resource transfer identifier, so that the resource transferee enters the identity authentication information on the front-end interface of the second electronic wallet platform, and the second electronic wallet platform obtains the identity authentication information, the second electronic wallet information and the second account information in response to the input, and generates a resource reception request based on the identity authentication information, the second electronic wallet information and the second account information.

7. The method according to claim 2, characterized in that The step of transferring resources from the first electronic wallet platform to the second electronic wallet platform based on the resource transfer request and information in the resource reception request in response to the resource reception request comprises: In response to the resource reception request, adding the second electronic wallet information and the second account information to the first resource transfer record to obtain a second resource transfer record; Based on the second resource transfer record, resources are transferred from the first electronic wallet platform to the second electronic wallet platform.

8. The method according to any one of claims 1 to 7, characterized in that: After transferring resources from the first electronic wallet platform to the second electronic wallet platform, the method further includes: Send resource transfer success response information to the first electronic wallet platform and the second electronic wallet platform respectively.

9. A resource transfer method, characterized in that: Applied to a first electronic wallet platform, the first electronic wallet platform includes a backend server of the first electronic wallet, the method includes: In response to an interactive operation of the resource transferor for performing a cross-electronic wallet resource transfer, obtaining first electronic wallet information of the first electronic wallet, first account information for logging into the first electronic wallet, a resource transfer value, and identification information of the resource transferee; generating a resource transfer request based on the first electronic wallet information, the first account information, the resource transfer value, and the identification information of the resource transferee; Send the resource transfer request to the resource transfer platform so that the resource transfer platform generates a resource transfer certificate in response to the resource transfer request and sends the resource transfer certificate to the resource transferee; receive a resource reception request from the second electronic wallet platform in response to the resource transfer certificate; and in response to the resource reception request, transfer resources from the first electronic wallet platform to the second electronic wallet platform based on the resource transfer request and the information in the resource reception request; wherein the second electronic wallet platform includes a backend server of a second electronic wallet, the second electronic wallet is any electronic wallet logged in based on the identification information of the resource transferee, and the resource reception request includes the second electronic wallet information of the second electronic wallet and the second account information for logging in to the second electronic wallet.

10. The method according to claim 9, characterized in that The step of obtaining, in response to an interactive operation of the resource transferor for performing a cross-electronic wallet resource transfer, first electronic wallet information of the first electronic wallet, first account information for logging into the first electronic wallet, a resource transfer value, and identification information of the resource transferee includes: Displaying a target control on the front-end interface of the first electronic wallet platform, wherein the target control is used to transfer resources across electronic wallets; In response to the input of the resource transferor to the target control, displaying a target interface for performing resource transfer across electronic wallets; In response to the input of the resource transferor to the target interface, first electronic wallet information of the first electronic wallet, first account information for logging into the first electronic wallet, resource transfer value and identification information of the resource transferee are obtained.

11. The method according to claim 9, characterized in that After sending the resource transfer request to the resource transfer platform, the method further includes: Receiving the resource transfer certificate sent by the resource transfer platform; The resource transfer certificate is provided to the resource transferee.

12. The method according to any one of claims 9 to 11, characterized in that: After sending the resource transfer request to the resource transfer platform, the method further includes: Receive resource transfer success response information sent by the resource transfer platform.

13. A resource transfer method, characterized in that: Applied to a second electronic wallet platform, the second electronic wallet platform includes a backend server of a second electronic wallet, the second electronic wallet is any electronic wallet logged in based on identification information of a resource transferee, the method includes: Identify the resource transfer credential received by the resource transferee, the resource transfer credential is generated by the resource transfer platform in response to the resource transfer request based on the first electronic wallet information of the first electronic wallet, the first account information for logging into the first electronic wallet, the resource transfer value and the identification information of the resource transferee, the resource transfer request is generated by the first electronic wallet platform and is used for cross-electronic wallet resource transfer, and the first electronic wallet platform includes the backend server of the first electronic wallet; When the identification information in the resource transfer voucher matches the second account information for logging into the second electronic wallet, displaying resource transfer prompt information on the front-end interface of the second electronic wallet platform, the resource transfer prompt information including the first electronic wallet information, the first account information and the resource transfer value; In response to the resource transferee's confirmation input of the resource transfer prompt information, generating a resource receiving request based on the second electronic wallet information of the second electronic wallet and the second account information for logging into the second electronic wallet; The resource receiving request is sent to the resource transfer platform, so that the resource transfer platform responds to the resource receiving request and transfers resources from the first electronic wallet platform to the second electronic wallet platform based on the resource transfer request and information in the resource receiving request.

14. The method according to claim 13, characterized in that The resource transfer voucher includes a resource transfer identifier, and in response to the confirmation input of the resource transferee to the resource transfer prompt information, generating a resource receiving request based on the second electronic wallet information of the second electronic wallet and the second account information for logging into the second electronic wallet, comprises: In response to the resource transferee's confirmation input of the resource transfer prompt information, generating an identity authentication request for verifying the identity of the resource transferee, wherein the identity authentication request includes the resource transfer identifier; Sending the identity authentication request to the resource transfer platform, so that the resource transfer platform sends first identity authentication information for verifying the identity of the resource transferee to the resource transferee corresponding to the resource transfer identifier in response to the identity authentication request; In response to the resource transferee inputting the identity verification information displayed on the front-end interface of the second electronic wallet platform, acquiring second identity verification information; A resource receiving request is generated based on the second identity authentication information, the second electronic wallet information, and the second account information.

15. The method according to claim 13 or 14, characterized in that After sending the resource receiving request to the resource transfer platform, the method further includes: Receive resource transfer success response information sent by the resource transfer platform.

16. A resource transfer device, characterized in that: Applied to a resource transfer platform, the device comprises: A first receiving module is used to receive a resource transfer request sent by a first electronic wallet platform, wherein the resource transfer request is used to transfer resources across electronic wallets, wherein the first electronic wallet platform includes a backend server of the first electronic wallet, and the resource transfer request includes first electronic wallet information of the first electronic wallet, first account information for logging into the first electronic wallet, a resource transfer value, and identification information of a resource transferee; A first generating module, configured to generate a resource transfer credential in response to the resource transfer request based on the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferee; A first sending module is used to send the resource transfer certificate to the resource transferee, so that the resource transferee generates a resource receiving request based on the resource transfer certificate through a second electronic wallet platform, the second electronic wallet platform includes a backend server of a second electronic wallet, the second electronic wallet is any electronic wallet logged in based on the identification information of the resource transferee, and the resource receiving request includes second electronic wallet information of the second electronic wallet and second account information for logging in to the second electronic wallet; The first receiving module is further configured to receive the resource receiving request fed back by the second electronic wallet platform in response to the resource transfer voucher; A resource transfer module is used to transfer resources from the first electronic wallet platform to the second electronic wallet platform in response to the resource reception request based on the resource transfer request and information in the resource reception request.

17. A resource transfer device, characterized in that: Applied to a first electronic wallet platform, the first electronic wallet platform includes a backend server of the first electronic wallet, and the device includes: an acquisition module, configured to acquire, in response to an interactive operation of a resource transferor for performing a cross-electronic wallet resource transfer, first electronic wallet information of the first electronic wallet, first account information for logging into the first electronic wallet, a resource transfer value, and identification information of a resource transferee; A second generating module, configured to generate a resource transfer request based on the first electronic wallet information, the first account information, the resource transfer value and the identification information of the resource transferee; The second sending module is used to send the resource transfer request to the resource transfer platform, so that the resource transfer platform generates a resource transfer certificate in response to the resource transfer request and sends the resource transfer certificate to the resource transferee; receive a resource receiving request fed back by the second electronic wallet platform in response to the resource transfer certificate; and in response to the resource receiving request, transfer resources from the first electronic wallet platform to the second electronic wallet platform based on the resource transfer request and the information in the resource receiving request, wherein the second electronic wallet platform includes a backend server of the second electronic wallet, the second electronic wallet is any electronic wallet logged in based on the identification information of the resource transferee, and the resource receiving request includes the second electronic wallet information of the second electronic wallet and the second account information for logging in to the second electronic wallet.

18. A resource transfer device, characterized in that: Applied to a second electronic wallet platform, the second electronic wallet platform includes a backend server of a second electronic wallet, the second electronic wallet is any electronic wallet logged in based on identification information of a resource transferee, the device includes: an identification module, used for identifying the resource transfer credential received by the resource transferee, wherein the resource transfer credential is generated by the resource transfer platform in response to the resource transfer request based on the first electronic wallet information of the first electronic wallet, the first account information for logging into the first electronic wallet, the resource transfer value and the identification information of the resource transferee, wherein the resource transfer request is generated by the first electronic wallet platform and is used for performing cross-electronic wallet resource transfer, and the first electronic wallet platform includes a backend server of the first electronic wallet; A display module, configured to display resource transfer prompt information on a front-end interface of the second electronic wallet platform when the identification information in the resource transfer voucher matches the second account information for logging into the second electronic wallet, the resource transfer prompt information including the first electronic wallet information, the first account information and the resource transfer value; A third generating module, configured to generate a resource receiving request based on the second electronic wallet information of the second electronic wallet and the second account information for logging into the second electronic wallet in response to the confirmation input of the resource transferor to the resource transfer prompt information; The third sending module is used to send the resource receiving request to the resource transfer platform, so that the resource transfer platform responds to the resource receiving request and transfers resources from the first electronic wallet platform to the second electronic wallet platform based on the resource transfer request and the information in the resource receiving request.

19. An electronic device, characterized in that: The electronic device comprises: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the resource transfer method as described in any one of claims 1-8, 9-12 or 13-15 is implemented.

20. A resource transfer system, characterized in that: include: A resource transfer platform, used to execute the resource transfer method according to any one of claims 1 to 8; A first electronic wallet platform, used to execute the resource transfer method according to any one of claims 9 to 12; The second electronic wallet platform is used to execute the resource transfer method as described in any one of claims 13-15.

21. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer program instructions, and when the computer program instructions are executed by the processor, the resource transfer method as described in any one of claims 1-8 or 9-12 or 13-15 is implemented.

22. A computer program product, characterized in that When the instructions in the computer program product are executed by a processor of an electronic device, the electronic device executes the resource transfer method as described in any one of claims 1-8, 9-12 or 13-15.

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