Resource transfer method, apparatus, device, system, and medium

Abstract

The application discloses a resource transfer method, device, equipment, system and medium. The method is applied to a resource transfer platform, and includes the following steps: receiving a resource transfer request for cross electronic wallet sent by a first electronic wallet platform; generating a resource transfer voucher based on the resource transfer request; sending the resource transfer voucher to a 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 includes a background server of a second electronic wallet, and the second electronic wallet is any electronic wallet logged in based on identification information of the resource transfer-in party; receiving the resource receiving request fed back by the second electronic wallet platform in response to the resource transfer voucher; and performing resource transfer from the first electronic wallet platform to the second electronic wallet platform in response to the resource receiving request. According to the embodiment of the application, the security of cross-wallet resource transfer can be improved, and the user experience can be improved.

Description

Technical Field

[0001] The present application belongs to the field of resource transfer technology, 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] Currently, cross-wallet resource transfers often require the transferor to specify the e-wallet and account information for receiving the resources when initiating the transfer. In other words, to initiate a cross-wallet resource transfer, the transferee must inform the transferor in advance of the e-wallet and account information they wish to use to receive the resources.

[0004] However, the process of the transferee sharing their wallet and account information with the transferor presents the risk of information leakage, making cross-wallet resource transfers less secure. Furthermore, the transferee typically cannot modify their wallet and account information after sharing it, reducing resource transfer flexibility and degrading the user 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. The method includes:

[0007] receiving a resource transfer request sent by a first e-wallet platform, the resource transfer request being used to transfer resources across e-wallets, the first e-wallet platform including a backend server of the first e-wallet, the resource transfer request including first e-wallet information of the first e-wallet, first account information for logging into the first e-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 credential to the resource transferee, so that the resource transferee generates a resource reception request based on the resource transfer credential through 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 the identification information of the resource transferee, and the resource reception 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 by a 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 a 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 fed back by 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, the method comprising:

[0017] Identifying a resource transfer credential received by the resource transferee, wherein the resource transfer credential is generated by the resource transfer platform in response to a resource transfer request based on first electronic wallet information of a first electronic wallet, first account information for logging into the first electronic wallet, a resource transfer value, and identification information of the resource transferee, wherein the resource transfer request is generated by the first electronic wallet platform and is used for performing a cross-electronic wallet resource transfer, and the first electronic wallet platform includes a 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, configured to receive a resource transfer request sent by a first e-wallet platform, the resource transfer request being used to transfer resources across e-wallets, the first e-wallet platform including a backend server of the first e-wallet, the resource transfer request including first e-wallet information of the first e-wallet, first account information for logging into the first e-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, configured to send the resource transfer credential to the resource transferee, so that the resource transferee generates a resource reception request based on the resource transfer credential via a second electronic wallet platform, wherein the second electronic wallet platform includes a backend server of a second electronic wallet, the second electronic wallet being any electronic wallet logged in based on identification information of the resource transferee, and the resource reception 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 configured to transfer resources from the first electronic wallet platform to the second electronic wallet platform in response to the resource reception request and 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, in response to an interactive operation by a resource transferor for performing a cross-electronic wallet resource transfer, acquire 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; receives a resource reception request fed back by the second electronic wallet platform in response to the resource transfer certificate; and in response to the resource reception request, 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 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.

[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, wherein the device includes:

[0032] an identification module, configured to identify a resource transfer credential received by the resource transferee, the resource transfer credential being generated by the resource transfer platform in response to a resource transfer request based on first electronic wallet information of a first electronic wallet, first account information for logging into the first electronic wallet, a resource transfer value, and identification information of the resource transferee, the resource transfer request being generated by the first electronic wallet platform for performing a cross-electronic wallet resource transfer, the first electronic wallet platform including 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 transferee 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, configured to execute the resource transfer method as described in any one of the first aspects above;

[0040] A first electronic wallet platform, configured 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, the method of any possible implementation method in 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 the 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 an embodiment of the present application, upon receiving a resource transfer request sent by a first electronic wallet platform, 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 in response to the resource transfer request, and the resource transfer certificate is sent to the resource transferee, rather than sending the resource transfer certificate to the backend server of a pre-designated electronic wallet, that is, the electronic wallet information and account information for receiving resources are not specified when the resource transfer is initiated. This allows the resource transferee to independently select the second electronic wallet in which it wishes to receive the resources, thereby improving the flexibility of resource transfer and further improving the user's resource transfer experience when performing cross-wallet resource transfers. In addition, by sending the resource transfer certificate to the resource transferee, the resource transferee can independently select the second electronic wallet in which it wishes to receive the resources, without the resource transferee needing to inform the resource transferor in advance of the electronic wallet information and account information in which it wishes to receive the resources, thereby ensuring the security of information transmission. Based on this, by receiving a resource reception request from the second electronic wallet platform in response to the resource transfer credential feedback, and responding to the resource reception request, transferring 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, the security of cross-wallet resource transfer can be improved. In this way, through the embodiments of the present application, the security of cross-wallet resource transfer can be improved, and the user's resource transfer experience when performing cross-wallet resource transfer can be enhanced. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] In order to more clearly illustrate the technical solutions 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 1This 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 1 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 1 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 This is a flow chart of a resource transfer method applied to a resource transfer system provided in an embodiment of the present application;

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

[0051] Figure 6 1 is a schematic structural diagram of a resource transfer device applied to a first electronic wallet platform provided in an embodiment of the present application;

[0052] Figure 7 1 is a schematic structural diagram of a resource transfer device applied to a second electronic wallet platform provided in an embodiment of the present application;

[0053] Figure 8 This is a structural 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 merely 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 document, relational terms such as first and second, etc., are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any actual relationship or order between these entities or operations. Moreover, the terms "comprises," "comprising," or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article, or device comprising a series of elements includes not only those elements, but also other elements not explicitly listed, or elements inherent to such process, method, article, or device. In the absence of further limitations, the elements defined by the phrase "comprising..." do not exclude the presence of other identical elements in the process, method, article, or device comprising 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 e-wallets belonging to different e-wallet platforms has become possible.

[0058] Currently, the methods for achieving 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 corresponding transfer message is routed through the alias and UID;

[0060] Method 2: Cross-wallet transfers are achieved through a dedicated inter-wallet transfer application and an intermediary account. The wallet application and the user register in the inter-wallet transfer application. After successful registration, an intermediary 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 recipient information to complete the cross-wallet transfer.

[0061] However, in method one, users need to register a dedicated alias in each wallet for receiving cross-wallet transfers. In reality, users often have multiple wallets, making operations complex. Method two requires the development of a dedicated inter-wallet transfer application. Furthermore, both methods share the common problem of requiring the payer to specify the receiving wallet and account when initiating the transfer. This means the payee must inform the payer in advance of the wallet and account they wish to receive the payment. This process creates the risk of information leakage. Furthermore, once the payee has disclosed their desired wallet and account, they typically cannot change them at will, resulting in limited transfer flexibility and a reduced user experience with cross-wallet transfers.

[0062] Thus, in order to solve the problems of the prior art, 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 following is an introduction to the resource transfer system provided in the embodiment of the present application.

[0064] The resource transfer system provided in the embodiment of the present application includes a resource transfer platform, a first e-wallet, a first e-wallet platform, a second e-wallet, a second e-wallet platform, and a terminal device of the resource transferee. Among them, the first e-wallet platform may include a backend server of the first e-wallet. The second e-wallet platform may include a backend server of the second e-wallet. The first e-wallet is different from the second e-wallet, and the first e-wallet platform is different from the second e-wallet platform. In addition, the resource transfer platform may include a backend server of a clearing institution for communicating with the first e-wallet platform, the second e-wallet platform, and the terminal device of the resource transferee. The terminal device of the resource transferee can receive and display 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 e-wallets on the interactive interface of the first e-wallet. In response to the operation of the resource transferor, the first e-wallet platform can initiate a cross-e-wallet resource transfer request to the resource transferee. Specifically, the resource transferor can send a resource transfer request to the resource transfer platform through the first e-wallet platform. The resource transfer request may include the first e-wallet information of the first e-wallet, the first account information for logging into the first e-wallet, the resource transfer value, and the identification information of the resource transferee.

[0066] After receiving the resource transfer request, the resource transfer platform can 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. 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 (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 transferee can receive and display the resource transfer certificate. Afterwards, the resource transferee (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 transferee 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 transferee, it can obtain the second electronic wallet information of the second electronic wallet and the second account information for logging into the second electronic wallet, generate a resource reception request based on the second electronic wallet information and the second account information, and send the resource reception request 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 transferee.

[0068] After receiving the resource receiving request, the resource transfer platform may respond to the resource receiving request and transfer the 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 cross-electronic wallet resource transfer, the resource transferee can independently select the second electronic wallet that it 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 it wishes to receive the resources. There is no 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 resources, which can ensure the security of information transmission and improve the security of cross-wallet resource transfer. In addition, the deep involvement of the resource transfer platform (i.e., the backend server of the clearing institution) in the resource transfer process helps to improve the degree of involvement of the clearing institution in the resource transfer market.

[0070] The following introduces the resource transfer method applied to the resource transfer 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 by 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: Receive a resource transfer request sent by a first e-wallet platform, where the resource transfer request is used to transfer resources across e-wallets. The first e-wallet platform includes a backend server of the first e-wallet. The resource transfer request includes first e-wallet information of the first e-wallet, information of a first account for logging into the first e-wallet, a resource transfer value, and identification information of a resource transferee.

[0073] S120. In response to the resource transfer request, 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;

[0074] S130: Sending a resource transfer certificate to the resource transferee, so that the resource transferee generates a resource reception request based on the resource transfer certificate via 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 the identification information of the resource transferee, and the resource reception 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, 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.

[0077] In an embodiment of the present application, upon receiving a resource transfer request sent by a first electronic wallet platform, 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 in response to the resource transfer request, and the resource transfer certificate is sent to the resource transferee, rather than sending the resource transfer certificate to the backend server of a pre-designated electronic wallet, that is, the electronic wallet information and account information for receiving resources are not specified when the resource transfer is initiated. This allows the resource transferee to independently select the second electronic wallet in which it wishes to receive the resources, thereby improving the flexibility of resource transfer and further improving the user's resource transfer experience when performing cross-wallet resource transfers. In addition, by sending the resource transfer certificate to the resource transferee, the resource transferee can independently select the second electronic wallet in which it wishes to receive the resources, without the resource transferee needing to inform the resource transferor in advance of the electronic wallet information and account information in which it wishes to receive the resources, thereby ensuring the security of information transmission. Based on this, by receiving a resource reception request from the second electronic wallet platform in response to the resource transfer credential feedback, and responding to the resource reception request, transferring 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, the security of cross-wallet resource transfer can be improved. In this way, through the embodiments of the present application, the security of cross-wallet resource transfer can be improved, and the user's resource transfer experience when performing cross-wallet resource transfer can be enhanced.

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

[0079] In some embodiments, in S110, the first e-wallet may be an e-wallet that comes with the electronic device, or a third-party e-wallet, which is not limited here. In addition, the first e-wallet information may be used to identify the first e-wallet. The first e-wallet information may include information such as the name, version, and brand of the first e-wallet. The first account information may be used to identify the resource transferor who uses the first e-wallet to transfer resources. 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 ID, mobile phone number, and ID card 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 include, for example, any one of a mobile phone number, an ID card 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 transfer of resources across electronic wallets may also be referred to as an inter-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 payer, and the resource transferee may also be referred to as the payee.

[0081] As an example, the front-end interface of a first e-wallet platform (i.e., the interactive interface of the first e-wallet) may display a target control for performing cross-e-wallet resource transfers. After the resource transferor clicks the target control, a target interface for performing cross-e-wallet resource transfers may be displayed. The target interface may display a first information input box for the user to enter the resource recipient's identification information and the resource transfer value. After the resource transferor enters the identification information and resource transfer value in the first information input box, in response to the resource transferor's confirmation input, the first e-wallet platform may obtain the first e-wallet information of the first e-wallet, the first account information used to log in to the first e-wallet, and obtain the resource recipient's identification information and resource transfer value based on the user input. The first e-wallet platform may then generate a resource transfer request based on the first e-wallet information, the first account information, the resource transfer value, and the resource transferee's identification information, and send the resource transfer request to the resource transfer platform. The resource transfer request may include information such as the first e-wallet information, the first account information, the resource recipient's identification information, and the resource transfer value. Furthermore, the resource transfer request may be used to request a resource transfer from the first e-wallet platform to the resource transferee. Specifically, the resource transfer request can be used to request the transfer of resources from a first account corresponding to first account information associated with a first e-wallet platform to a resource transferee. The resource transferee can receive the transferred resources through a second e-wallet platform different from the first e-wallet platform, thereby achieving cross-e-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 barcode.

[0084] As an example, after receiving a resource transfer request, the resource transfer platform may generate a resource transfer credential in response to the resource transfer request based on the first electronic wallet information, first account information, resource transfer value and 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] 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 further includes a resource transfer identifier;

[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 identifier, 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 the resource transfer identifier.

[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, 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 generating 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 generating 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 can 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, and 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, after generating the resource transfer certificate in S130, the resource transfer platform may send the resource transfer certificate to the resource transferee. Specifically, the resource transfer platform may send the resource transfer certificate directly to the resource transferee, or may first send the resource transfer certificate to the first electronic wallet platform, which then provides the resource transfer certificate to the resource transferee. This is not limited herein.

[0094] Based on this, in order to improve 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, where the target SIM card can be the SIM card that stores the mobile phone number.

[0097] As another example, the resource transfer platform can also communicate with an information management platform. The information management platform can store the correspondence between ID numbers and mobile phone numbers, and / or the correspondence between bank card numbers and mobile phone numbers. Thus, if the identification information of the resource transferee is an ID number or a bank card number, the resource transfer platform can first obtain the mobile phone number from the information management platform based on the ID number or bank card number, and then send a text message or multimedia message containing the resource transfer certificate to the terminal device equipped with the target SIM card. The target SIM card can be the 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 information transmission efficiency can be improved, thereby improving the resource transfer efficiency.

[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, 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) after receiving the resource transfer voucher, 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 certificate is displayed in the form of a graphic code or a link, after receiving the resource transfer certificate, the first electronic wallet platform can display a prompt message of receiving the resource transfer certificate 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 certificate 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 certificate.

[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 executing entity that ultimately receives the resource transfer certificate may be the terminal device of the resource transferee.

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

[0106] Based on this, as an example, after receiving a resource transfer voucher via a terminal device, the resource transferor can use any second electronic wallet installed on the terminal device to identify the resource transfer voucher, determine the resource transfer identifier, first electronic wallet information, first account information, resource transfer value, and identification information of the resource transferor, and synchronize this information with the second electronic wallet platform. After identifying this information, the second electronic wallet platform can obtain the second account information logged into the second electronic wallet and match the second account information with the identification information of the resource transferor. If the second account information and the identification information of the resource transferor match, subsequent resource transfer operations are allowed. If the second account information and the identification information of the resource transferor do not match, subsequent resource transfer operations are rejected. If the second electronic wallet is logged into 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 are associated, and therefore that they 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 and the identification information of the resource transferor match.

[0107] If the second account information matches the identification information of the resource transferee, a resource transfer prompt can be displayed on the front-end interface of the second e-wallet platform. The resource transfer prompt includes the first e-wallet information, the first account information, and the resource transfer value. As described above, the first e-wallet information can be used to identify the first e-wallet, and the first account information can be used to identify the resource transferor logged into the first e-wallet. Based on this, the resource transfer prompt can be used to prompt the resource transferee that the resource transferor is transferring the resource transfer value through the first e-wallet. For example, the resource transfer prompt could read: Payer ** transfers ** yuan through ** e-wallet.

[0108] After viewing the resource transfer prompt, the resource transferee (i.e., the user receiving the resource) can confirm the resource transfer prompt. In response to the confirmation input from the resource transferee, the second e-wallet platform can obtain the second e-wallet information and the second account information; generate a resource receipt request based on the second e-wallet information and the second account information; and send the resource receipt request to the resource transfer platform. The resource receipt request can include the second e-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 first e-wallet information, first account information, and a resource transfer value; the information in the resource reception request may include second e-wallet information and second account information. Therefore, after receiving the resource reception request, the resource transfer platform can parse the resource reception request, determine the second e-wallet information and second account information, and determine the second account associated with the second e-wallet platform based on the second e-wallet information and second account information. In addition, the resource transfer platform can also determine the first account associated with the first e-wallet platform based on the first e-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 e-wallet platform and transfer the resource transfer value to the second account of the second e-wallet platform, 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, adding 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 complete resource transfer fields for implementing cross-wallet resource transfer. The second resource transfer record may specifically include field information such as a 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 e-wallet information, first account information, resource transfer value, second e-wallet information, second account information and other information, and based on the above information, transfer the resource transfer value from the first account of the first e-wallet platform and transfer the resource transfer value to the second account of the second e-wallet platform to complete the cross-wallet resource transfer.

[0116] The embodiment of the present application enables 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] If 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 e-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 e-wallet platform to obtain the password of the second account from the second e-wallet platform. Therefore, if the identity verification information is the password of the second account, the identity verification information can be verified by comparing the first password obtained from the second e-wallet platform with the second password. If the two passwords are consistent, the identity verification result of the resource transferee can be determined to be a successful result. 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 e-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 can 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 can be determined based on the correspondence between the resource transfer identifier and the identification information of the resource transferee. Furthermore, the terminal device of the resource transferee can be determined based on 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 can 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 verification information via a terminal device, the resource transferor can enter it into the corresponding location on the front-end interface of the second e-wallet platform. After receiving the identity verification information input by the resource transferor, the second e-wallet platform can generate a resource reception request based on the identity verification information, the second e-wallet information, and the second account information, and send the resource reception request to the resource transfer platform. Therefore, the resource reception request can include the identity verification information, the second e-wallet information, and the second account information to generate the resource reception request.

[0130] In this way, the resource transfer platform first sends the first identity authentication information to the resource transferee, and then receives the second identity authentication information sent by the second electronic wallet platform. This enables the identity of the resource transferee to 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 experience of cross-wallet resource transfer, 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 improving the user's cross-wallet resource transfer experience.

[0135] The following introduces 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 by an embodiment of the present application is shown. The resource transfer method can be executed by the background 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 from 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 to transfer resources across electronic wallets;

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

[0143] 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.

[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 can 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 a user to input identification information of the resource recipient and a resource transfer value. After the resource transferor enters the identification information and resource transfer value in the first information input box, in response to the resource transferor's confirmation input, the first e-wallet platform may obtain first e-wallet information of the first e-wallet, first account information for logging into the first e-wallet, and obtain the identification information and 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 resource transfer request and the information in 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 can directly send the resource transfer certificate to the resource transferee, or it can first send the resource transfer certificate to the first electronic wallet platform, and then the first electronic wallet platform will provide the resource transfer certificate to the resource transferee. There is no 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 steps 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, 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) after receiving the resource transfer voucher, 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 certificate is displayed in the form of a graphic code or a link, after receiving the resource transfer certificate, the first electronic wallet platform can display a prompt message of receiving the resource transfer certificate 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 certificate 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 certificate.

[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 experience of cross-wallet resource transfer, in some embodiments, after the above S230, the following steps may also be included:

[0155] Receive the 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, other steps of the method in the embodiment of the present application can be found in the above Figure 1 The description of the embodiments shown will not be repeated here.

[0158] In an embodiment of the present application, a first electronic wallet platform generates a resource transfer request in response to an interactive operation of a resource transferor for performing a cross-electronic wallet resource transfer, and sends the resource transfer request to a resource transfer platform. This allows the resource transfer platform to 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 response to the resource transfer request, and sends the resource transfer certificate to the resource transferee, rather than sending the resource transfer certificate to a pre-specified electronic wallet backend server. That is, the electronic wallet information and account information for receiving resources are not specified when the resource transfer is initiated. This allows the resource transferee to independently select the second electronic wallet in which it wishes to receive the resources, thereby improving the flexibility of resource transfer and, in turn, the user's resource transfer experience when performing a cross-wallet resource transfer. Furthermore, by sending the resource transfer certificate to the resource transferee via the resource transfer platform, the resource transferee can independently select the second electronic wallet in which it wishes to receive the resources, without requiring the resource transferee to inform the resource transferor in advance of the electronic wallet information and account information in which it wishes to receive the resources, thereby ensuring the security of information transmission. Based on this, the resource transfer platform receives a resource reception request from the second electronic wallet platform in response to the resource transfer credential feedback, and in response to the resource reception request, 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 reception request, thereby improving 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 user's resource transfer experience when performing cross-wallet resource transfer can be enhanced.

[0159] The following introduces 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 by an embodiment of the present application is shown. The resource transfer method can be executed by the background 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 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 e-wallet information of the first e-wallet, the first account information for logging into the first e-wallet, the resource transfer value and the identification information of the resource transferee. The resource transfer request is generated by the first e-wallet platform and is used for cross-e-wallet resource transfer. The first e-wallet platform includes the backend server of the first e-wallet.

[0162] Here, the resource transferee can receive the resource transfer certificate sent by the resource transfer platform or the first e-wallet platform through the resource transferee's terminal device, or can directly view the resource transfer certificate on the front-end interface of the first e-wallet platform, without limitation. Furthermore, the second e-wallet platform can identify the resource transfer certificate through a second e-wallet. The second e-wallet can be installed on the resource transferee's terminal device. Specifically, the second e-wallet can be any e-wallet selected by the resource transferee from one or more e-wallets logged in based on the resource transferee's identification information.

[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 certificate 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, and the resource transfer prompt information includes the first electronic wallet information, the first account information and the resource transfer value.

[0165] After identifying the identification information, the second e-wallet platform can obtain the second account information used to log in to the second e-wallet and match the identification information with the second account information. Specifically, if the second e-wallet is 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 thus that the two can be determined to 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 and the identification information of the resource transferee match.

[0166] If the second account information matches the identification information of the resource transferee, a resource transfer prompt can be displayed on the front-end interface of the second e-wallet platform. The resource transfer prompt includes the first e-wallet information, the first account information, and the resource transfer value. As described above, the first e-wallet information can be used to identify the first e-wallet, and the first account information can be used to identify the resource transferor logged into the first e-wallet. Based on this, the resource transfer prompt can be used to prompt the resource transferee that the resource transferor is transferring the resource transfer value through the first e-wallet. For example, the resource transfer prompt could read: Payer ** transfers ** yuan through ** e-wallet.

[0167] After viewing the resource transfer prompt, the resource transferee (i.e., the user receiving the resource) can confirm the resource transfer prompt. The confirmation input can be a click input, a sliding input, a voice input, or a command input by the user via another device connected to the electronic device. The other device can include at least one of a remote control, a mouse, a keyboard, or other devices with input functions.

[0168] S330 : In response to the resource transferee's confirmation input of the resource transfer prompt information, a resource receiving request is generated 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 e-wallet platform can obtain the second e-wallet information of the second e-wallet and the second account information for logging into the second e-wallet, and generate a resource reception request based on the second e-wallet information of the second e-wallet and the second account information for logging into the second e-wallet.

[0170] In addition, the resource transfer certificate 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 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;

[0173] In response to the resource transferee inputting identity verification information on the front-end interface of the second electronic wallet platform, obtaining second identity verification 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, based on the correspondence between the resource transfer identifier and the identification information of the resource transferee, determine the identification information of the resource transferee; then, based on the correspondence between the identification information of the resource transferee and the terminal device of the resource transferee, determine 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 e-wallet platform sends an identity verification request to the resource transfer platform, it may display a second information input box on the front-end interface of the second e-wallet for the user to enter identity verification information. The resource transferee may enter the second identity verification information in the second information input box. If the second identity verification information differs from the first identity verification information, the identity verification of the resource transferee will fail. If the second identity verification information is the same as the first identity verification information, the identity verification of the resource transferee may be determined to be 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 reception 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: 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 resource transfer request and information in the resource receiving request.

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

[0181] Receive the 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, other steps of the method in the embodiment of the present application can be found in the above Figure 1 The description of the embodiments shown will not be repeated here.

[0184] In the embodiments of the present application, since the second electronic wallet is any electronic wallet logged in based on the identification information of the resource transferee, the resource transferee can independently select the second electronic wallet in which it wishes to receive the resources after receiving the resource transfer voucher, thereby improving the flexibility of resource transfer and, in turn, the user's resource transfer experience during cross-wallet resource transfers. Furthermore, by allowing the resource transferee to independently select the second electronic wallet in which it wishes to receive the resources, the resource transferee does not need to inform the resource transferor in advance of the electronic wallet information and account information in which it wishes to receive the resources, thereby ensuring the security of information transmission. Based on this, the resource transfer platform receives the resource reception request from the second electronic wallet platform in response to the resource transfer voucher, and, in response to the resource reception request, 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 reception request, thereby improving the security of cross-wallet resource transfers. Thus, the embodiments of the present application can improve the security of cross-wallet resource transfers and enhance the user's resource transfer experience during cross-wallet resource transfers.

[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 certificate through the second electronic wallet platform, and when the identification information in the resource transfer certificate matches the second account information for logging into the second electronic wallet, displays resource transfer prompt information 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 confirmation input of the resource transferee regarding 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 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 entered by the resource transferee on 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 reception 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 cross-electronic wallet resource transfer, the resource transferee can independently select the second electronic wallet that it 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 it wishes to receive the resources. There is no 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 resources, which can ensure the security of information transmission and improve the security of cross-wallet resource transfer. In addition, the deep involvement of the resource transfer platform (i.e., the backend server of the clearing institution) in the resource transfer process helps to improve the degree of involvement of the clearing institution in the resource transfer market.

[0201] Based on the resource transfer method applied to the resource transfer platform provided in the above embodiment, 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 this embodiment of the application includes the following modules:

[0203] A first receiving module 510 is configured to receive a resource transfer request sent by a first e-wallet platform, the resource transfer request being used to transfer resources across e-wallets. The first e-wallet platform includes a backend server of the first e-wallet. The resource transfer request includes first e-wallet information of the first e-wallet, information of a first account used to log in to the first e-wallet, a resource transfer value, and identification information of a resource transferee.

[0204] A first generating module 520 is configured to generate a resource transfer credential 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] A first sending module 530 is configured to send a resource transfer certificate to a resource transferee, so that the resource transferee generates a resource reception request based on the resource transfer certificate via a second electronic wallet platform, wherein the second electronic wallet platform includes a backend server for a second electronic wallet, and 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 second electronic wallet information of the second electronic wallet and 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 credential feedback;

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

[0208] The resource transfer device 500 is described in detail below.

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

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

[0211] The first generation 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 configured 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 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 configured to receive an authentication request sent by the second electronic wallet platform for verifying the identity of the resource transferee before receiving the resource receiving request sent by the second electronic wallet platform in response to the resource transfer credential feedback, wherein the authentication request includes a resource transfer identifier;

[0219] The first sending module 530 is also used to send 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, 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 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 reception request, to obtain a second resource transfer record;

[0222] The resource transfer submodule is further configured 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 configured to send resource transfer success response information to the first e-wallet platform and the second e-wallet platform respectively after transferring resources from the first e-wallet platform to the second e-wallet platform.

[0224] In an embodiment of the present application, upon receiving a resource transfer request sent by a first electronic wallet platform, 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 in response to the resource transfer request, and the resource transfer certificate is sent to the resource transferee, rather than sending the resource transfer certificate to the backend server of a pre-designated electronic wallet, that is, the electronic wallet information and account information for receiving resources are not specified when the resource transfer is initiated. This allows the resource transferee to independently select the second electronic wallet in which it wishes to receive the resources, thereby improving the flexibility of resource transfer and further improving the user's resource transfer experience when performing cross-wallet resource transfers. In addition, by sending the resource transfer certificate to the resource transferee, the resource transferee can independently select the second electronic wallet in which it wishes to receive the resources, without the resource transferee needing to inform the resource transferor in advance of the electronic wallet information and account information in which it wishes to receive the resources, thereby ensuring the security of information transmission. Based on this, by receiving a resource reception request from the second electronic wallet platform in response to the resource transfer credential feedback, and responding to the resource reception request, transferring 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, the security of cross-wallet resource transfer can be improved. In this way, through the embodiments of the present application, the security of cross-wallet resource transfer can be improved, and the user's resource transfer experience when performing cross-wallet resource transfer can be enhanced.

[0225] Based on the resource transfer method applied to the first e-wallet platform provided in the above embodiment, this application also provides a specific implementation of a resource transfer device applied to the first e-wallet platform. The first e-wallet platform includes a backend server for the first e-wallet. See the following embodiments.

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

[0227] an acquisition module 610 configured to acquire, in response to an interaction operation by a resource transferor for performing a cross-e-wallet resource transfer, first e-wallet information of a first e-wallet, first account information for logging into the first e-wallet, a resource transfer value, and identification information of a resource transferee;

[0228] A second generating module 620 is 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; receives 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, 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 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.

[0230] The resource transfer device 600 is described in detail below.

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

[0232] A first display submodule is configured to display a target control on the front-end interface of the first electronic wallet platform, the target control being used for performing cross-electronic wallet resource transfer; and in response to input from the resource transferor into the target control, display a target interface for performing cross-electronic wallet resource transfer;

[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 on the target interface.

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

[0235] A second receiving module is configured 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 an embodiment of the present application, a first electronic wallet platform generates a resource transfer request in response to an interactive operation of a resource transferor for performing a cross-electronic wallet resource transfer, and sends the resource transfer request to a resource transfer platform. This allows the resource transfer platform to 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 response to the resource transfer request, and sends the resource transfer certificate to the resource transferee, rather than sending the resource transfer certificate to a pre-specified electronic wallet backend server. That is, the electronic wallet information and account information for receiving resources are not specified when the resource transfer is initiated. This allows the resource transferee to independently select the second electronic wallet in which it wishes to receive the resources, thereby improving the flexibility of resource transfer and, in turn, the user's resource transfer experience when performing a cross-wallet resource transfer. Furthermore, by sending the resource transfer certificate to the resource transferee via the resource transfer platform, the resource transferee can independently select the second electronic wallet in which it wishes to receive the resources, without requiring the resource transferee to inform the resource transferor in advance of the electronic wallet information and account information in which it wishes to receive the resources, thereby ensuring the security of information transmission. Based on this, the resource transfer platform receives a resource reception request from the second electronic wallet platform in response to the resource transfer credential feedback, and in response to the resource reception request, 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 reception request, thereby improving 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 user's resource transfer experience when performing cross-wallet resource transfer can be enhanced.

[0239] Based on the resource transfer method applied to a second e-wallet platform provided in the above embodiments, this application also provides a specific implementation of a resource transfer device applied to a second e-wallet. The second e-wallet platform includes a backend server for a second e-wallet, which is any e-wallet logged in based on the identification information of the resource transferee. See the following embodiments.

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

[0241] Identification module 710, configured to identify a resource transfer credential received by a resource transferee. The resource transfer credential is generated by the resource transfer platform in response to a resource transfer request based on 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. The resource transfer request is generated by the first electronic wallet platform and is used to transfer resources across electronic wallets. The first electronic wallet platform includes a backend server of the first electronic wallet.

[0242] Display module 720, configured 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 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 transferee 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 resource transfer request and the information in the resource receiving request.

[0245] The resource transfer device 700 is described in detail below.

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

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

[0248] The second sending submodule is configured to send an 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;

[0249] A second display submodule is 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 configured 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 configured 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 embodiments of the present application, since the second electronic wallet is any electronic wallet logged in based on the identification information of the resource transferee, the resource transferee can independently select the second electronic wallet in which it wishes to receive the resources after receiving the resource transfer voucher, thereby improving the flexibility of resource transfer and, in turn, the user's resource transfer experience during cross-wallet resource transfers. Furthermore, by allowing the resource transferee to independently select the second electronic wallet in which it wishes to receive the resources, the resource transferee does not need to inform the resource transferor in advance of the electronic wallet information and account information in which it wishes to receive the resources, thereby ensuring the security of information transmission. Based on this, the resource transfer platform receives the resource reception request from the second electronic wallet platform in response to the resource transfer voucher, and, in response to the resource reception request, 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 reception request, thereby improving the security of cross-wallet resource transfers. Thus, the embodiments of the present application can improve the security of cross-wallet resource transfers and enhance the user's resource transfer experience during cross-wallet resource transfers.

[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 removable or non-removable (or fixed) media. 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, generally, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the 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 comprises hardware, software or both, couples the parts of electronic equipment to each other.For example, and not limitation, bus can comprise accelerated graphics port (AGP) or other graphics bus, enhanced industry standard architecture (EISA) bus, front side bus (FSB), hypertransport (HT) interconnection, industry 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 suitable cases, bus 840 can comprise one or more buses.Although the present application embodiment describes and shows specific bus, the application considers any suitable bus or interconnection.

[0263] Illustratively, 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 conjunction 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 e-wallet platform, the second e-wallet platform, and the resource transfer platform in the above embodiment. The first e-wallet platform can execute the resource transfer method applied to the first e-wallet platform in the above embodiment. The second e-wallet platform can execute the resource transfer method applied to the second e-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 details, please refer to the relevant descriptions in the above embodiments, and since the same technical effects can be achieved, they will not be repeated here to avoid repetition.

[0266] In conjunction with the resource transfer method in the above embodiments, the present application embodiment 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 embodiments is implemented.

[0267] In combination with the resource transfer method in the above embodiments, 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 embodiments is implemented.

[0268] It should be understood that the present application is not limited to the specific configurations and processes described above and illustrated in the figures. For the sake of brevity, a detailed description of known methods is omitted here. In the above embodiments, several specific steps are described and illustrated as examples. However, the method process of the present application is not limited to the specific steps described and illustrated. Those skilled in the art can make various changes, modifications, and additions, or change the order of 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, they can be, for example, electronic circuits, application specific integrated circuits (ASICs), appropriate firmware, plug-ins, function cards, 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 that can store or transmit information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROMs, flash memories, erasable ROMs (EROMs), 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. In other words, the steps can be performed in the order mentioned in the embodiments, or in a different order, or several steps can be performed simultaneously.

[0271] Aspects of the present application have been described above with reference to the flowcharts and / or block diagrams of the methods, devices (systems) and computer program products according to the embodiments of the present application. It should be understood that each box in the flowchart and / or block diagram and the combination of each box in the flowchart and / or block diagram can be implemented 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 via the processor of the computer or other programmable data processing device enable the implementation of the function / action specified in one or more boxes of the flowchart and / or block diagram. This 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 is also understood that each box in the block diagram and / or the flowchart and the combination of the boxes in the block diagram and / or the flowchart can also be implemented by the dedicated hardware that performs the specified function or action, or can be implemented by the combination of dedicated hardware and computer instructions.

[0272] The above description is only a specific embodiment of the present application. Those skilled in the art will clearly understand that for the convenience and brevity 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 scope of protection of the present application is not limited thereto. Any person skilled in the art can easily think of various equivalent modifications or replacements within the technical scope disclosed in the present application, and these modifications or replacements should be included in the scope of protection of the present 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 e-wallet platform, the resource transfer request being used to transfer resources across e-wallets, the first e-wallet platform including a backend server of the first e-wallet, the resource transfer request including first e-wallet information of the first e-wallet, first account information for logging into the first e-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 credential to the resource transferee, so that the resource transferee generates a resource reception request based on the resource transfer credential through 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 the identification information of the resource transferee, and the resource reception 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 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 includes: In response to the resource transfer request, parsing the resource transfer request to obtain the first electronic wallet information, the first account information, the resource transfer value, and 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 further includes a resource transfer identifier; 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 of 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, wherein The sending of the resource transfer certificate to the resource transferee includes: The resource transfer certificate is sent to the resource transferee based on the identification information of the resource transferee.

5. The method according to claim 1, wherein The resource receiving request further includes identity authentication information for verifying the identity of the resource transferee. The responding to the resource receiving request and transferring the resource 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 include: In response to the resource receiving request, verifying the identity authentication information to obtain a verification result; If 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.

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 credential, 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 e-wallet platform, and the second e-wallet platform obtains the identity authentication information, the second e-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 e-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 includes: 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 including a backend server of the first electronic wallet, the method includes: In response to an interactive operation by a 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 a 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 fed back by 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 an input of the resource transferor to the target control, displaying a target interface for performing cross-electronic wallet resource transfer; 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 being any electronic wallet logged in based on identification information of a resource transferee, the method comprising: Identifying a resource transfer credential received by the resource transferee, wherein the resource transfer credential is generated by the resource transfer platform in response to a resource transfer request based on first electronic wallet information of a first electronic wallet, first account information for logging into the first electronic wallet, a resource transfer value, and identification information of the resource transferee, wherein the resource transfer request is generated by the first electronic wallet platform and is used for performing a cross-electronic wallet resource transfer, and the first electronic wallet platform includes a 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 resource transferee's confirmation input of the resource transfer prompt information, generating 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, includes: 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, obtaining second identity verification information; A resource receiving request is generated based on the second 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 includes: a first receiving module, configured to receive a resource transfer request sent by a first e-wallet platform, the resource transfer request being used to transfer resources across e-wallets, the first e-wallet platform including a backend server of the first e-wallet, the resource transfer request including first e-wallet information of the first e-wallet, first account information for logging into the first e-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, configured to send the resource transfer credential to the resource transferee, so that the resource transferee generates a resource reception request based on the resource transfer credential via a second electronic wallet platform, wherein the second electronic wallet platform includes a backend server of a second electronic wallet, the second electronic wallet being any electronic wallet logged in based on identification information of the resource transferee, and the resource reception 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 configured to transfer resources from the first electronic wallet platform to the second electronic wallet platform in response to the resource reception request and 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, in response to an interactive operation by a resource transferor for performing a cross-electronic wallet resource transfer, acquire 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; receives a resource reception request fed back by the second electronic wallet platform in response to the resource transfer certificate; and in response to the resource reception request, 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 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.

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 being any electronic wallet logged in based on identification information of a resource transferee, the device includes: an identification module, configured to identify a resource transfer credential received by the resource transferee, the resource transfer credential being generated by the resource transfer platform in response to a resource transfer request based on first electronic wallet information of a first electronic wallet, first account information for logging into the first electronic wallet, a resource transfer value, and identification information of the resource transferee, the resource transfer request being generated by the first electronic wallet platform for performing a cross-electronic wallet resource transfer, the first electronic wallet platform including 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 transferee 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 includes: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the resource transfer method according to any one of claims 1-8, 9-12 or 13-15 is implemented.

20. A resource transfer system, characterized in that: include: A resource transfer platform, configured to execute the resource transfer method according to any one of claims 1 to 8; A first electronic wallet platform, configured 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 a processor, the resource transfer method according to any one of claims 1-8, 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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