CN109801051B

CN109801051B - Resource transfer method, system, server and computer readable storage medium

Info

Publication number: CN109801051B
Application number: CN201711137666.1A
Authority: CN
Inventors: 洪静彦; 易景喜; 陈增雄; 姚兵
Original assignee: Tenpay Payment Technology Co Ltd
Current assignee: Tenpay Payment Technology Co Ltd
Priority date: 2017-11-16
Filing date: 2017-11-16
Publication date: 2023-04-07
Anticipated expiration: 2037-11-16
Also published as: CN109801051A

Abstract

The invention discloses a resource transfer method, a resource transfer system, a server and a computer readable storage medium, and belongs to the technical field of computers. The method is applied to a first server and comprises the following steps: receiving a resource transfer request which is sent by a second server and carries user account information and resource refund information, wherein the resource refund information comprises the number of target resources needing refund; acquiring resources with the target resource quantity from a set first account, and transferring the resources with the target resource quantity to an account corresponding to the user account information; and acquiring resources with the target resource quantity transferred from a second account set by the second server, and transferring the resources with the target resource quantity to the first account. The invention can shorten the time required by the resource refund process and improve the resource refund efficiency, thereby leading the user to obtain the resource required to be refunded in a shorter time, realizing the real-time resource refund of the user and meeting the instant account-arriving requirement when the user refunds the resource.

Description

Resource transfer method, system, server and computer readable storage medium

Technical Field

The present invention relates to the field of computer technologies, and in particular, to a resource transfer method, system, server, and computer-readable storage medium.

Background

Most countries implement resource refund policies such as a departure refund policy, which means that a part of resources are refunded according to regulations for specified articles which are purchased by overseas tourists at specified stores and are carried out with the tourists. For example, when the number of resources used by the user to purchase a specific item at a specific store reaches a starting and ending point, a resource return voucher such as a resource return ticket may be acquired from the specific store, and then, if the user transacts a departure procedure at a departure port, the user may transact a resource return service using the resource return voucher.

At present, when a user performs resource return before leaving the home, a resource return voucher is filled with a credit card number, and then the resource return voucher filled with the credit card number is put into a designated mailbox. Then, the resource refund company can obtain the resource refund voucher from the designated mailbox, determine the target resource quantity which needs to be refunded and is included in the resource refund voucher, transfer the resource with the target resource quantity in the set account to the account corresponding to the credit card number, and complete the resource refund for the user.

However, in the resource refund process, the resource refund company needs to obtain the resource refund voucher from the designated mailbox, and then refund the resource according to the credit card number filled in the resource refund voucher, and since the account corresponding to the credit card number usually belongs to a different country from the account set by the resource refund company, the resource refund company needs to transfer the resource in the set account to the bank to which the credit card number belongs, and then transfer the resource to the account corresponding to the credit card number by the bank, so that the time required for completing the resource refund is long, and the resource refund efficiency is low.

Disclosure of Invention

The embodiment of the invention provides a resource transfer method, a resource transfer device, a resource transfer system, a resource transfer server and a computer readable storage medium, which can solve the problem of low resource return efficiency in the related art. The technical scheme is as follows:

in one aspect, a resource transfer method is provided, which is applied to a first server, and includes:

receiving a resource transfer request which is sent by a second server and carries user account information and resource refund information, wherein the resource refund information comprises the number of target resources needing refund;

acquiring the resources with the target resource quantity from a set first account, and transferring the resources with the target resource quantity to an account corresponding to the user account information;

and acquiring the resources of the target resource quantity transferred from a second account set by the second server, and transferring the resources of the target resource quantity to the first account.

In one aspect, an apparatus for resource transfer is provided, which is applied to a first server, and includes:

the first receiving module is used for receiving a resource transfer request which is sent by a second server and carries user account information and resource return information, wherein the resource return information comprises the number of target resources needing to be returned;

the first transfer module is used for acquiring the resources with the target resource quantity from a set first account and transferring the resources with the target resource quantity to an account corresponding to the user account information;

and the second transfer module is used for acquiring the resources of the target resource quantity transferred from a second account set by the second server and transferring the resources of the target resource quantity to the first account.

In one aspect, a first server is provided, which includes a processor and a memory, where at least one instruction, at least one program, a set of codes, or a set of instructions is stored in the memory, and the at least one instruction, the at least one program, the set of codes, or the set of instructions is loaded and executed by the processor to implement the above-mentioned resource transfer method.

In one aspect, a computer-readable storage medium is provided, in which at least one instruction, at least one program, a set of codes, or a set of instructions is stored, which is loaded and executed by a processor to implement the above-mentioned resource transfer method.

In one aspect, a resource transfer method is provided, which is applied to a second server, and includes:

receiving a resource returning request which is sent by a second application and carries user account information and resource returning information, wherein the resource returning information comprises the number of target resources needing returning;

generating a resource transfer request carrying the user account information and the resource return information;

sending the resource transfer request to the first server, and transferring the resources with the target resource quantity in a first account set by the first server to an account corresponding to the user account information by the first server;

transferring the set resources of the target resource quantity in the second account to the first account set by the first server.

In one aspect, an apparatus for resource transfer is applied to a second server, and the apparatus includes:

the receiving module is used for receiving a resource refund request which is sent by a second application and carries user account information and resource refund information, wherein the resource refund information comprises the number of target resources needing refund;

a generating module, configured to generate a resource transfer request carrying the user account information and the resource return information;

a sending module, configured to send the resource transfer request to the first server, where the first server transfers the resources of the target resource amount in a first account set by the first server to an account corresponding to the user account information;

and the transfer module is used for transferring the set resources of the target resource quantity in the second account to the first account set by the first server.

In one aspect, a second server is provided, which includes a processor and a memory, where at least one instruction, at least one program, a set of codes, or a set of instructions is stored in the memory, and the at least one instruction, the at least one program, the set of codes, or the set of instructions is loaded and executed by the processor to implement the above-mentioned resource transfer method.

In one aspect, a resource transfer method is provided, where the method includes:

when a second server receives a resource returning request which is sent by a second application and carries user account information and resource returning information, generating a resource transferring request carrying the user account information and the resource returning information, and sending the resource transferring request to a first server, wherein the resource returning information comprises the number of target resources needing returning;

when the first server receives the resource transfer request sent by the second server, acquiring the resources with the target resource quantity from a set first account, and transferring the resources with the target resource quantity to an account corresponding to the user account information;

and the second server transfers the resources of the target resource quantity in the set second account to the first account set by the first server.

In one aspect, a resource transfer system is provided, the system including:

the second server is used for generating a resource transfer request carrying the user account information and the resource return information when receiving a resource return request carrying the user account information and the resource return information sent by a second application, and sending the resource transfer request to the first server, wherein the resource return information comprises the number of target resources needing to be returned;

the first server is configured to, when receiving the resource transfer request sent by the second server, acquire the resources of the target resource quantity from a set first account, and transfer the resources of the target resource quantity to an account corresponding to the user account information;

the second server is further used for transferring the resources of the target resource quantity in the set second account to the first account set by the first server.

a first application sends a resource transfer code acquisition request to a first server, and the first application logs in a user account;

when the first server receives the resource transfer code acquisition request sent by the first application, generating a resource transfer code containing user account information based on the user account, and sending the resource transfer code to the first application;

when the first application receives the resource transfer code sent by the first server, displaying the resource transfer code;

the second application scans the resource transfer code to obtain the user account information, generates a resource returning request carrying the user account information and resource returning information, and sends the resource returning request to a second server, wherein the resource returning information comprises the number of target resources needing returning;

when the second server receives the resource return request sent by the second application, generating a resource transfer request carrying the user account information and the resource return information, and sending the resource transfer request to the first server;

In one aspect, a resource transfer system is provided, the system including:

the system comprises a first application and a second application, wherein the first application is used for sending a resource transfer code acquisition request to a first server, and the first application logs in a user account;

the first server is used for generating a resource transfer code containing user account information based on the user account and sending the resource transfer code to the first application when receiving the resource transfer code acquisition request sent by the first application;

the first application is further configured to display the resource transfer code when receiving the resource transfer code sent by the first server;

the second application is used for scanning the resource transfer code to obtain the user account information, generating a resource returning request carrying the user account information and the resource returning information, and sending the resource returning request to a second server, wherein the resource returning information comprises the number of target resources needing returning;

the second server is configured to generate a resource transfer request carrying the user account information and the resource refund information when receiving the resource refund request sent by the second application, and send the resource transfer request to the first server;

the first server is further configured to, when receiving the resource transfer request sent by the second server, acquire the resources of the target resource quantity from a set first account, and transfer the resources of the target resource quantity to an account corresponding to the user account information;

the second server is further used for transferring the set resources of the target resource quantity in the second account to the first account set by the first server.

The technical scheme provided by the embodiment of the invention has the following beneficial effects: the second server sends the resource transfer request to the first server. Because the resource transfer request carries the user account information and the resource refund information, the first server can directly acquire the resources with the target resource quantity from the set first account after receiving the resource transfer request, and transfer the resources with the target resource quantity to the account corresponding to the user account information, so that the time required by the resource refund process is shortened, the resource refund efficiency is improved, the user can obtain the resources required to be refunded in a short time, the real-time resource refund of the user is realized, and the demand of the user for timely account arrival when the user performs the resource refund is met. Then, the first server may obtain the resources of the target resource amount transferred from the second account set by the second server, and transfer the resources of the target resource amount to the first account to tie up the first account.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a schematic diagram of an implementation environment related to a resource transfer method provided by an embodiment of the present invention;

fig. 2 is a flowchart of an operation of a first application obtaining a resource transfer code according to an embodiment of the present invention;

fig. 3 is a flowchart of an operation of a second server obtaining user account information and resource return information according to an embodiment of the present invention;

fig. 4 is a flowchart of an operation of the first server returning a resource to be returned to a user account according to an embodiment of the present invention;

FIG. 5 is a flowchart of a resource transfer method according to an embodiment of the present invention;

fig. 6 is a schematic structural diagram of a resource transfer apparatus according to an embodiment of the present invention;

fig. 7 is a schematic structural diagram of another resource transfer apparatus according to an embodiment of the present invention;

fig. 8 is a schematic structural diagram of a first server according to an embodiment of the present invention;

fig. 9 is a schematic structural diagram of a second server according to an embodiment of the present invention;

FIG. 10 is a diagram illustrating a resource transfer system according to an embodiment of the present invention;

fig. 11 is a schematic diagram of another resource transfer system according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Before explaining the embodiments of the present invention in detail, application scenarios and implementation environments of the embodiments of the present invention will be described.

First, an application scenario of the embodiment of the present invention is explained.

The embodiment of the invention is applied to a resource refund scene, in particular to a scene that a user refunds resources at a resource refund counter or a self-service resource refund machine of an airport before leaving the border, or a scene that the user refunds resources at a resource refund point of an urban area before leaving the border, and of course, the embodiment of the invention can also be applied to other resource refund scenes, and the invention is not limited to the scene.

For example, after the user obtains the resource return voucher, the resource return voucher may be handed to a worker at a resource return counter of an airport before departure, the worker checks the resource return voucher, and after the check is passed, the worker may return the resource to the user.

For another example, after the user obtains the resource refund voucher, the user can check the resource refund voucher through a self-service resource refund machine of the airport before leaving the scene, and after the check is passed, the user can perform resource refund through the self-service resource refund machine.

For example, after the user obtains the resource return voucher, the resource return voucher may be handed to a worker at the resource return point in the urban area before departure, the worker checks the resource return voucher, and after the check is passed, the worker can return the resource to the user.

Next, an environment in which the embodiment of the present invention is implemented will be described.

Fig. 1 is a schematic diagram of an implementation environment related to a resource transfer method provided in an embodiment of the present invention. Referring to fig. 1, the implementation environment includes: a first application 101, a first server 102, a second application 103 and a second server 104.

The first application 101 may be an application in which a user account is registered. The first application 101 may be a client or an applet (liteapp), and when the first application 101 is a client, the first application 101 may be installed in a user terminal, and when the first application 101 is an applet, the user terminal may open the first application 101 by searching related information (e.g., a name of the first application 101, etc.) of the first application 101, scanning a graphic code (e.g., a barcode, a two-dimensional code, etc.) of the first application 101, and the like, and at this time, the user terminal does not need to install the first application 101.

The first server 102 may be a server corresponding to the first application 101. The user account registered by the first application 101 may be registered in the first server 102, that is, the first server 102 and the user needing to handle the resource return service belong to the same country.

The second application 103 may be an application for handling the resource return service, and the second application 103 may be installed in a device used by a worker at a resource return counter, or in a self-service resource return machine, or in a device used by a worker at a resource return point, or may be installed in other devices for handling the resource return service, which is not limited in the embodiment of the present invention.

The second server 104 may be a server corresponding to the second application 103, and the second server 104 is a server managed by a resource return company handling the resource return service, that is, the first server 102 and the second server 104 belong to different countries.

The following describes an interactive process of the first application 101, the first server 102, the second application 103, and the second server 104 when handling the resource return service.

Wherein the first application 101 can interact with the first server 102 to obtain the resource transfer code. The resource transfer code is a user credential when returning the resource to the user, and the resource transfer code may include user account information, where the user account information may be related information of a user account logged in by the first application 101, for example, the user account information may be the user account directly or encrypted information of the user account, and the embodiment of the present invention does not limit this.

Wherein the second application 103 may interact with the first application 101 to obtain the user account information. Specifically, the second application 103 may scan the resource transfer code obtained by the first application 101 to obtain the user account information, so as to facilitate the subsequent resource refund of the user by the second application 103 based on the user account information.

Wherein the second server 104 may interact with the second application 103 to obtain the user account information and the resource refund information. The resource return information is various information required for resource return, and for example, the resource return information may include information of a resource return order (for example, a resource return order number, a resource return date, a shopping date, the number of target resources to be returned, and the like), information of a user (for example, a passport name, a passport number, a telephone number, and the like), and the like.

Wherein the first server 102 may interact with the second server 104 to refund the resources that need to be refunded to the user account. The user account is an account corresponding to the user account information, and the account corresponding to the user account information is an account bound to the user account corresponding to the user account information, for example, the user account may be a bank account, an online account, and the like bound to the user account.

The resource transfer method provided by the embodiment of the present invention is explained in detail below.

As mentioned above, the first application may interact with the first server to obtain the resource transfer code, and the following describes an operation of the first application interacting with the first server to obtain the resource transfer code.

Fig. 2 is a flowchart of an operation of a first application obtaining a resource transfer code according to an embodiment of the present invention. Referring to fig. 2, the operation includes:

step 201: the first application sends a resource transfer code acquisition request to the first server, and the first application logs in a user account.

It should be noted that the resource transfer code acquisition request is used to request to acquire a resource transfer code, where the resource transfer code is a user credential when returning a resource to a user, the resource transfer code may include user account information, and the user account information may be related information of a user account registered by a first application, for example, the user account information may be directly the user account or encrypted information of the user account, and the embodiment of the present invention does not limit this.

In addition, the first application may send the resource transfer code acquisition request to the first server when being opened, and of course, the first application may also send the resource transfer code acquisition request to the first server under other circumstances, for example, the first application may send the resource transfer code acquisition request to the first server when detecting the resource transfer code acquisition instruction, which is not limited in the embodiment of the present invention.

Moreover, the resource transfer code acquisition instruction is used to instruct to acquire the resource transfer code, and the resource transfer code acquisition instruction may be triggered by a user, and the user may trigger through a first specified operation, where the first specified operation may be a click operation, a slide operation, a voice operation, and the like, and the embodiment of the present invention does not limit this.

Step 202: when the first server receives a resource transfer code acquisition request sent by the first application, a resource transfer code containing user account information is generated based on a user account logged in by the first application.

When a resource transfer code containing user account information is generated based on a user account logged in by a first application, if the user account information is the user account, the resource transfer code containing the user account can be directly generated; if the user account information is the encrypted information of the user account, the user account can be encrypted firstly to obtain the user account information, and then a resource transfer code containing the user account information is generated.

It should be noted that, in order to facilitate the subsequent user to use the resource transfer code, the resource transfer code may be a graphic code (such as a barcode, a two-dimensional code, and the like), at this time, the user may store the resource transfer code more conveniently, and other applications may also obtain information included in the resource transfer code more easily.

Step 203: the first server sends the resource transfer code to the first application.

After the first server generates the resource transfer code, the resource transfer code can be sent to the first application, so that a subsequent user can use the resource transfer code obtained by the first application to perform resource return.

Step 204: and when the first application receives the resource transfer code sent by the first server, displaying the resource transfer code.

It should be noted that, the first application displays the resource transfer code, which can be convenient for a user to store the resource transfer code, and can be convenient for other applications to obtain information included in the resource transfer code.

In addition, after the first application displays the resource transfer code, the user can use the resource transfer code to perform resource refund. In practical application, a user can directly use the resource transfer code displayed by the first application to perform resource refund, and certainly, the user can also print the resource transfer code displayed by the first application first and then use the printed resource transfer code to perform resource refund.

In the embodiment of the present invention, the first application may obtain the resource transfer code from the first server, and then the user may perform resource fallback by using the resource transfer code. Because the resource transfer code carries the user account information, the resource transfer codes owned by different users are different, so that the safety of the user in returning the resources can be improved, and the risk that other people falsely receive the resources to be returned to the user is reduced.

After the above steps 201 to 204 are performed, the first application may obtain the resource transfer code, and then the second application may interact with the first application to obtain the user account information included in the resource transfer code. Specifically, the second application may scan the resource transfer code obtained by the first application to obtain the user account information. And the second application scans the resource transfer code to obtain the user account information, namely the user certificate when the resource is returned to the user is obtained, and at the moment, the second application can continue the resource returning process.

When the second application scans the resource transfer code, the resource transfer code may be scanned when a scanning instruction is received, and when the resource transfer code is scanned, the resource transfer code displayed by the first application may be directly scanned, or a printed resource transfer code may be scanned, which is not limited in the embodiment of the present invention.

It should be noted that the scan instruction is used to instruct to scan the resource transfer code, and the scan instruction may be triggered by a user or a worker, where the user or the worker may be triggered by a second specified operation, and the second specified operation may be a click operation, a slide operation, a voice operation, and the like, which is not limited in this embodiment of the present invention.

After the second application obtains the user account information, the second server may interact with the second application to obtain the user account information and the resource refund information. The following describes an operation of the second server interacting with the second application to obtain the user account information and the resource return information.

Fig. 3 is a flowchart of an operation of obtaining user account information and resource return information by a second server according to an embodiment of the present invention. Referring to fig. 3, the operation includes:

step 301: and the second application generates a resource returning request carrying the user account information and the resource returning information.

The resource return information is various information required for the resource return service, and may include, for example, information on a resource return ticket (e.g., a resource return ticket number, a resource return date, a shopping date, the number of target resources to be returned, etc.), information on a user (e.g., a passport name, a passport number, a telephone number, etc.), and the like.

In addition, the second application scans the resource transfer code to obtain the user account information, that is, to perform resource refund on the user, so that before this, the second application should already store the resource refund information, and in the actual application, the user or the staff may store the resource refund information in the second application.

Furthermore, the resource refund request is used to request resource refund for an account corresponding to the user account information, where the account corresponding to the user account information is a user account, and the user account may be an account (e.g., a bank account, an online account, etc.) bound to the user account corresponding to the user account information.

Step 302: the second application sends the resource refund request to the second server.

Specifically, the second application may directly send the resource return request to the second server after generating the resource return request, or may send the resource return request to the second server when receiving the resource return confirmation instruction, which is not limited in the embodiment of the present invention.

It should be noted that the resource return confirmation instruction is used to confirm that the resource return operation is performed, and the resource return confirmation instruction may be triggered by a user or a worker, where the user or the worker may be triggered by a third specified operation, and the third specified operation may be a click operation, a slide operation, a voice operation, and the like, which is not limited in the embodiment of the present invention.

In addition, after the second application sends the resource return request to the second server, the second server can receive the resource return request to obtain the user account information and the resource return information.

After the above steps 301 to 302 are performed, the second server may obtain the user account information and the resource refund information, and then the first server may interact with the second server to refund the resource required to be refunded to the user account. The following describes an operation of the first server interacting with the second server to refund the resource to be refunded to the user account.

Fig. 4 is a flowchart of an operation of the first server returning a resource to be returned to a user account according to an embodiment of the present invention. Referring to fig. 4, the operation includes:

step 401: and when the second server receives the resource return request sent by the second application, generating a resource transfer request carrying the user account information and the resource return information.

It should be noted that the resource transfer request is used to request that resources of the target resource quantity that needs to be refunded and is included in the resource refund information are transferred to an account corresponding to the user account information, and the resource transfer request may be generated by the second server invoking a resource transfer interface, and of course, the resource transfer request may also be generated by the second server invoking another interface, which is not limited in the embodiment of the present invention.

In addition, the second server may integrate the user account information and the resource refund information into a resource refund record, and carry the resource refund record in the resource transfer request, in which case, the second server may further generate a resource refund record number for the resource refund record, and carry the resource refund record number in the resource transfer request. For example, the resource transfer request may carry various information shown in table 1 below, and certainly, in an actual application, the resource transfer request may also carry other information related to resource return, which is not limited in this embodiment of the present invention.

TABLE 1

In the embodiment of the present invention, only the various information shown in table 1 is used as an example to describe the information carried in the resource transfer request, and table 1 does not limit the embodiment of the present invention.

In practical application, the resource Transfer request may be an HTTP (Hyper Text Transfer Protocol) request, and may be a post request in the HTTP request, where the post request may be in a json format, and of course, the resource Transfer request may also be other requests in other formats, which is not limited in the embodiment of the present invention.

For example, the Resource transfer request is a post request in json format, which includes a request URL (Uniform Resource Locator) and request content, and the request URL may be: https:// tax-fashion. Content. Com/cgi-bin/mini-app/transfer _ req. Cgispid = XXXX, the content of the request may be as follows:

step 402: the second server sends the resource transfer request to the first server.

After the second server generates the resource transfer request, in order to return the resource to be returned to the user in a short time, the resource transfer request may be sent to the first server, so that the subsequent first server transfers the resource to be returned to the account corresponding to the user account information based on the resource transfer request, thereby realizing real-time resource return to the user.

It should be noted that the resource return service generally needs to be handled after the resource return ticket is authenticated by an organization (for example, by applying a customs seal), and the authentication by the organization may be an entity authentication (for example, by applying an entity customs seal) or an electronic authentication (for example, by scanning an electronic customs seal). That is, before the user performs the resource return, the user may check the resource return list and perform the entity authentication at the customs counter before departing, or may check the resource return list at the resource return point before departing, and then perform the electronic authentication by itself.

In the case of entity authentication, the second application has already finished the check and organization authentication of the resource return receipt before sending the resource return request to the second server, at this time, the second server can directly send the resource transfer request to the first server after generating the resource transfer request, and in the case of electronic authentication, the second application has only finished the check of the resource return receipt and has not finished the organization authentication before sending the resource return request to the second server, so at this time, the second server needs to continue to wait until the organization authentication is finished after generating the resource transfer request and then can send the resource transfer request to the first server.

Therefore, further, before the second server sends the resource transfer request to the first server, it may be further detected whether the authority authentication information is acquired, and when the authority authentication information is acquired, the resource transfer request may be sent to the first server. That is, before the second server sends the resource transfer request to the first server, it may first determine whether the resource return information includes the agency authentication information, if the resource return information includes the agency authentication information, the resource transfer request is directly sent to the first server, and if the resource return information does not include the agency authentication information, the resource transfer request continues to wait until it is detected that the resource return information includes the agency authentication information, and then the resource transfer request is sent to the first server.

It should be noted that the embodiment of the present invention not only supports direct resource return service handling in an airport before departure, but also supports resource return service handling in a resource return point in a downtown area, at this time, a user may first perform a check of a resource return order and a resource return application (i.e., the second application sends a resource return request to the second server) at the resource return point, and then, only needs to perform electronic authentication at the airport by itself, the resource return can be realized.

Step 403: when the first server receives a resource transfer request sent by the second server, resources with the target resource quantity are obtained from the set first account, and the resources with the target resource quantity are transferred to the account corresponding to the user account information.

It should be noted that, in the existing common payment service, a merchant must open a merchant number and an enterprise internet bank, and then can recharge an account under the merchant number through the enterprise internet bank and pay the account into an account of an individual user. However, since the resource refund company and the user who needs to transact the resource refund service often belong to different countries, the resource refund company does not have the main qualification of the country to which the user belongs, and at this time, the resource refund company cannot establish the enterprise internet bank in the country to which the user belongs, so that the surcharge service cannot be performed.

The first account in the embodiment of the present invention is an account preset by the first server, and the first server may use the first account to perform the bedding process. Under the condition that the first server and a user needing to handle the resource return service belong to the same country, the first server can directly and quickly transfer the resources of the target resource quantity in the first account to the account corresponding to the user account information after receiving the resource transfer request, so that the user can obtain the resources needing to be returned in a short time, the real-time resource return of the user is realized, and the instant account arrival requirement of the user during resource return is met.

In order to facilitate subsequent reconciliation between the first server and the second server, the first server may further generate a resource transfer record number in the process of transferring the resource with the target resource quantity to an account corresponding to the user account information, and then correspondingly store the resource transfer record number and a resource return record number carried by the resource transfer request, and send the resource transfer record number to the second server, so that the second server correspondingly stores the resource transfer record number and the resource return record number.

It should be noted that, the first server may query the number of the resources that have been transferred according to the resource transfer record number, and determine that the resource fallback is successful when the number of the resources that have been transferred is consistent with the target resource number. Correspondingly, the second server can also inquire the transferred resource quantity from the first server according to the resource return record number, and when the transferred resource quantity is consistent with the target resource quantity, the resource return is determined to be successful.

Further, after receiving the resource transfer request, the first server may check information carried in the resource transfer request, and if the information carried in the resource transfer request is incorrect (such as incorrect format, incomplete parameters, and the like), the first server does not perform the resource transfer operation, and returns a first failure response message to the second server; and if the information carried in the resource transfer request is correct, performing resource transfer operation and returning a first success response message to the second server.

It should be noted that the first failure response message and the first success response message may carry various indication information, such as a return status code for indicating whether the resource transfer request is incorrect, and the like, and of course, the first failure response message may also carry an error reason and the like, and the first success response message may also carry a resource transfer record number and the like, which is not limited in the embodiment of the present invention. For example, the first failure response message or the first successful response message may carry various information shown in table 2 below, and certainly in practical applications, the first failure response message or the first successful response message may also carry other indication information, which is not limited in this embodiment of the present invention.

TABLE 2

It should be noted that, in the embodiment of the present invention, only the various information shown in table 2 is taken as an example to describe the information carried in the first failure response message or the first success response message, and table 2 does not limit the embodiment of the present invention.

In practical application, the first failure response message and the first success response message can be both in json format,

of course, the first failure response message and the first success response message may also be in other formats, which is not limited in this embodiment of the present invention.

As the first failure response message may be as follows:

as the first successful response message may be as follows:

step 404: and the second server transfers the set resources of the target resource quantity in the second account to the first account set by the first server.

It should be noted that the second account is an account preset by the second server, and after the first server performs the bedding processing by using the first account, the second server may transfer the set resources of the target resource amount in the second account to the first account set by the first server, so as to tie the first account by using the second account.

Specifically, the second server may transfer the set resources of the target resource amount in the second account to the first server, and after the first server obtains the resources of the target resource amount transferred from the second account set by the second server, the resources of the target resource amount may be transferred to the first account.

In the embodiment of the present invention, after receiving the resource return request sent by the second application, the second server may generate a resource transfer request and send the resource transfer request to the first server. Because the resource transfer request carries the user account information and the resource refund information, the first server can directly acquire the resources with the target resource quantity from the set first account after receiving the resource transfer request, and transfer the resources with the target resource quantity to the account corresponding to the user account information, so that the time required by the resource refund process is shortened, the resource refund efficiency is improved, the user can obtain the resources required to be refunded in a short time, the real-time resource refund of the user is realized, and the instant account arrival requirement of the user in resource refund is met. Then, the second server can transfer the set resources of the target resource quantity in the second account to the first account set by the first server to tie account of the first account.

It should be noted that, when the first server transfers the resources of the target resource quantity from the first account to the account corresponding to the user account information, in order to facilitate the second server to obtain the resource transfer progress in time, after the first server successfully transfers the resources of the resource target resource quantity from the first account to the account corresponding to the user account information, the first server may send a resource transfer success message to the second server, so that the second server can obtain the current resource return state in time.

Further, if the second server does not receive the resource transfer success message sent by the first server after the preset duration after sending the resource transfer request, the second server may automatically acquire the resource transfer state from the first server. Specifically, the second server sends a resource transfer state query request to the first server, wherein the resource transfer state query request carries a resource return record number; when the first server receives a resource transfer state query request sent by the second server, the resource transfer state of the resource return record number is queried, if the resource transfer is not carried out yet, the resource transfer state is determined to be transferred, if the resource transfer is carried out, the resource transfer state is determined to be transferring, if the resource transfer is successful, the resource transfer state is determined to be transferring success, and if the resource transfer is failed, the resource transfer state is determined to be transferring failure; and the first server generates a second success response message carrying the resource transfer state and the resource transfer record number and sends the second success response message to the second server.

It should be noted that the resource transfer state query request may be generated by the second server invoking the order checking interface, and certainly, may also be generated by the second server invoking another interface, which is not limited in the embodiment of the present invention. The resource transfer state query request may be a post request in the HTTP request, where the post request may be in a json format, and of course, the resource transfer state query request may also be other requests in other formats, which is not limited in the embodiment of the present invention.

Further, after receiving the resource transfer state query request, the first server may check information carried in the resource transfer state query request, and if the information carried in the resource transfer state query request is incorrect (such as incorrect format, incomplete parameters, and the like), the first server does not perform the resource transfer state query operation, and returns a second failure response message to the second server; and if the information carried in the resource transfer state query request is correct, performing resource transfer state query operation, and returning a second success response message to the second server.

It should be noted that the second failure response message and the second success response message may carry various indication information, such as a return status code for indicating whether the resource transfer status query request is incorrect, and of course,

the second failure response message may also carry error reasons, and the like, and the second success response message may also carry resource transfer states, resource transfer record numbers, and the like, which are not limited in the embodiment of the present invention. For example, the second failure response message or the second successful response message may carry various information shown in table 3 below, and certainly in an actual application, the second failure response message or the second successful response message may also carry other indication information, which is not limited in this embodiment of the present invention.

TABLE 3

It should be noted that, in the embodiment of the present invention, only the various information shown in table 3 is taken as an example to describe the information carried in the second failed response message or the second successful response message, and table 3 does not limit the embodiment of the present invention.

In practical applications, both the second failure response message and the second successful response message may be in a json format, and certainly, the second failure response message and the second successful response message may also be in other formats, which is not limited in this embodiment of the present invention.

As the second failure response message may be as follows:

as the second successful answer message may be as follows:

in addition, when the first server transfers the resources with the target resource quantity from the first account to the account corresponding to the user account information, in order to facilitate the first application to timely know the resource transfer progress, the first server may send a resource transfer success message to the first application after successfully transferring the resources with the target resource quantity from the first account to the account corresponding to the user account information, and after receiving the resource transfer success message, the first application may display the resource transfer success message, so that the user can timely know the current resource return state.

Further, the first application may also automatically obtain the resource transfer state from the first server. Specifically, a first application sends a query request to a first server; when receiving a query request sent by a first application, a first server queries a resource transfer state of an account bound by a user account logged in by the first application, if the resource transfer is not performed, the resource transfer state is determined to be transferred, if the resource transfer is performed, the resource transfer state is determined to be transferring, if the resource transfer is successful, the resource transfer state is determined to be transferring success, and if the resource transfer is failed, the resource transfer state is determined to be transferring failure; the first server sends the resource transfer state to the first application; and when the first application receives the resource transfer state sent by the first server, displaying the resource transfer state.

The following describes an overall process of implementing the resource transfer method provided by the embodiment of the present invention by the first application, the first server, the second application, and the second server.

Fig. 5 is a flowchart of a resource transfer method according to an embodiment of the present invention. Referring to fig. 5, the method includes:

step 501: the first application sends a resource transfer code acquisition request to the first server, and the first application logs in a user account.

Step 502: when the first server receives a resource transfer code acquisition request sent by the first application, a resource transfer code containing user account information is generated based on a user account logged in by the first application.

Step 503: the first server sends the resource transfer code to the first application.

Step 504: and when the first application receives the resource transfer code sent by the first server, displaying the resource transfer code.

Step 505: and the second application scans the resource transfer code to obtain the user account information.

Step 506: and the second application generates a resource returning request carrying the user account information and resource returning information, wherein the resource returning information comprises the number of target resources needing returning.

Step 507: the second application sends the resource refund request to the second server.

Step 508: and when the second server receives the resource return request sent by the second application, generating a resource transfer request carrying the user account information and the resource return information.

Step 509: the second server sends the resource transfer request to the first server.

Step 510: when the first server receives the resource transfer request sent by the second server, resources with the target resource quantity are obtained from the set first account, and the resources with the target resource quantity are transferred to the account corresponding to the user account information.

Step 511: and the second server transfers the set resources of the target resource quantity in the second account to the first account set by the first server.

In the embodiment of the present invention, after the first application acquires and displays the resource transfer code from the first server, the second application may scan the resource transfer code to obtain the user account information, generate the resource refund request carrying the user account information and the resource refund information, and send the resource refund request to the second server. After receiving the resource return request, the second server may generate a resource transfer request and send the resource transfer request to the first server. Because the resource transfer request carries the user account information and the resource refund information, the first server can directly acquire the resources with the target resource quantity from the set first account after receiving the resource transfer request, and transfer the resources with the target resource quantity to the account corresponding to the user account information, so that the time required by the resource refund process is shortened, the resource refund efficiency is improved, the user can obtain the resources required to be refunded in a short time, the real-time resource refund of the user is realized, and the instant account arrival requirement of the user in resource refund is met. Then, the second server can transfer the set resources of the target resource quantity in the second account to the first account set by the first server to tie account of the first account.

Fig. 6 is a schematic structural diagram of a resource transfer apparatus according to an embodiment of the present invention, which is applied to a first server. Referring to fig. 6, the apparatus includes a first receiving module 601, a first transferring module 602, and a second transferring module 603.

A first receiving module 601, configured to receive a resource transfer request that is sent by a second server and carries user account information and resource returning information, where the resource returning information includes a target resource quantity that needs to be returned;

a first transfer module 602, configured to acquire resources of a target resource quantity from a set first account, and transfer the resources of the target resource quantity to an account corresponding to user account information;

the second transfer module 603 is configured to obtain the resource of the target resource amount transferred from the second account set by the second server, and transfer the resource of the target resource amount to the first account.

Optionally, the apparatus further comprises:

the first generation module is used for generating a resource transfer record number in the process of transferring the resources with the target resource quantity to an account corresponding to the user account information;

the query module is used for querying the transferred resource quantity according to the resource transfer record number;

and the determining module is used for determining that the resource returning is successful when the transferred resource quantity is consistent with the target resource quantity.

Optionally, the apparatus further comprises:

the second receiving module is used for receiving a resource transfer code acquisition request sent by a first application, and the first application logs in a user account;

the second generation module is used for generating a resource transfer code containing user account information based on the user account;

the sending module is used for sending the resource transfer code to the first application, and the first application displays the resource transfer code;

accordingly, the first receiving module 601 is configured to:

and receiving a resource transfer request sent by the second server after the second server scans the resource transfer code to obtain the user account information through the second application, wherein the resource transfer request carries the user account information and the resource return information.

In an embodiment of the present invention, the second server sends the resource transfer request to the first server. Because the resource transfer request carries the user account information and the resource refund information, the first server can directly acquire the resources with the target resource quantity from the set first account after receiving the resource transfer request, and transfer the resources with the target resource quantity to the account corresponding to the user account information, so that the time required by the resource refund process is shortened, the resource refund efficiency is improved, the user can obtain the resources required to be refunded in a short time, the real-time resource refund of the user is realized, and the instant account arrival requirement of the user in resource refund is met. Then, the first server may obtain the resources of the target resource amount transferred from the second account set by the second server, and transfer the resources of the target resource amount to the first account to tie up the first account.

Fig. 7 is a schematic structural diagram of a resource transfer apparatus according to an embodiment of the present invention, where the apparatus is applied to a second server. Referring to fig. 7, the apparatus includes a receiving module 701, a generating module 702, a transmitting module 703 and a transferring module 704.

A receiving module 701, configured to receive a resource returning request that is sent by a second application and carries user account information and resource returning information, where the resource returning information includes a target resource quantity that needs to be returned;

a generating module 702, configured to generate a resource transfer request carrying user account information and resource return information;

a sending module 703, configured to send the resource transfer request to the first server, where the first server transfers the resources of the target resource amount in the first account set by the first server to an account corresponding to the user account information;

and a transferring module 704, configured to transfer the set resource of the target resource amount in the second account to the first account set by the first server.

Optionally, the apparatus further comprises:

the detection module is used for detecting whether the agency authentication information is acquired;

the triggering module is configured to trigger the sending module 703 to send the resource transfer request to the first server when the authority authentication information is acquired.

In the embodiment of the present invention, after receiving the resource return request sent by the second application, the second server may generate a resource transfer request and send the resource transfer request to the first server. Because the resource transfer request carries the user account information and the resource refund information, the first server can directly transfer the set resources with the target resource quantity in the first account to the account corresponding to the user account information after receiving the resource transfer request, so that the time required by the resource refund process is shortened, the resource refund efficiency is improved, the user can obtain the resources required to be refunded in a short time, the real-time resource refund of the user is realized, and the instant account arrival requirement of the user during resource refund is met. Then, the second server can transfer the set resources of the target resource quantity in the second account to the first account set by the first server to tie account of the first account.

It should be noted that: in the resource transfer device provided in the foregoing embodiment, only the division of the functional modules is illustrated in the foregoing, and in practical applications, the function allocation may be completed by different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules, so as to complete all or part of the functions described above. In addition, the resource transfer apparatus and the resource transfer method provided in the foregoing embodiments belong to the same concept, and specific implementation processes thereof are described in the method embodiments for details, which are not described herein again.

Fig. 8 is a schematic structural diagram of a first server 800 according to an embodiment of the present invention, where the server 800 may be a server in a background server cluster. Specifically, the method comprises the following steps:

the server 800 includes a Central Processing Unit (CPU) 801, a system memory 804 including a Random Access Memory (RAM) 802 and a Read Only Memory (ROM) 803, and a system bus 805 connecting the system memory 804 and the central processing unit 801. The server 800 also includes a basic input/output system (I/O system) 806, which facilitates transfer of information between devices within the computer, and a mass storage device 807 for storing an operating system 813, application programs 814, and other program modules 815.

The basic input/output system 806 includes a display 808 for displaying information and an input device 809 such as a mouse, keyboard, etc. for user input of information. Wherein a display 808 and an input device 809 are connected to the central processing unit 801 through an input output controller 810 connected to the system bus 805. The basic input/output system 806 may also include an input/output controller 810 for receiving and processing input from a number of other devices, such as a keyboard, mouse, or electronic stylus. Similarly, input-output controller 810 also provides output to a display screen, a printer, or other type of output device.

The mass storage device 807 is connected to the central processing unit 801 through a mass storage controller (not shown) connected to the system bus 805. The mass storage device 807 and its associated computer-readable media provide non-volatile storage for the server 800. That is, the mass storage device 807 may include a computer-readable medium (not shown) such as a hard disk or CD-ROM drive.

Without loss of generality, computer readable media may comprise computer storage media and communication media. Computer storage media includes volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Computer storage media includes RAM, ROM, EPROM, EEPROM, flash memory or other solid state memory technology, CD-ROM, DVD, or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices. Of course, those skilled in the art will appreciate that computer storage media is not limited to the foregoing. The system memory 804 and mass storage 807 described above may be collectively referred to as memory.

According to various embodiments of the invention, server 800 may also operate as a remote computer connected to a network through a network, such as the Internet. That is, the server 800 may be connected to the network 812 through the network interface unit 811 coupled to the system bus 805, or may be connected to other types of networks or remote computer systems (not shown) using the network interface unit 811.

The memory further includes one or more programs, and the one or more programs are stored in the memory and configured to be executed by the CPU. The one or more programs include instructions for performing the operations performed by the first server in the embodiments of fig. 2-5.

Fig. 9 is a schematic structural diagram of a second server 900 according to an embodiment of the present invention, where the server 900 may be a server in a background server cluster. Specifically, the method comprises the following steps:

the server 900 includes a Central Processing Unit (CPU) 901, a system memory 904 including a Random Access Memory (RAM) 902 and a Read Only Memory (ROM) 903, and a system bus 905 connecting the system memory 904 and the central processing unit 901. The server 900 also includes a basic input/output system (I/O system) 906, which facilitates transfer of information between devices within the computer, and a mass storage device 907 for storing an operating system 913, application programs 914, and other program modules 915.

The basic input/output system 906 includes a display 908 for displaying information and an input device 909 such as a mouse, keyboard, etc. for user input of information. Wherein a display 908 and an input device 909 are connected to the central processing unit 901 through an input-output controller 910 connected to the system bus 905. The basic input/output system 906 may also include an input/output controller 910 for receiving and processing input from a number of other devices, such as a keyboard, mouse, or electronic stylus. Similarly, an input-output controller 910 also provides output to a display screen, a printer, or other type of output device.

The mass storage device 907 is connected to the central processing unit 901 through a mass storage controller (not shown) connected to the system bus 905. The mass storage device 907 and its associated computer-readable media provide non-volatile storage for the server 900. That is, mass storage device 907 may include a computer-readable medium (not shown) such as a hard disk or CD-ROM drive.

Without loss of generality, computer readable media may comprise computer storage media and communication media. Computer storage media includes volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Computer storage media includes RAM, ROM, EPROM, EEPROM, flash memory or other solid state memory technology, CD-ROM, DVD, or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices. Of course, those skilled in the art will appreciate that computer storage media is not limited to the foregoing. The system memory 904 and mass storage device 907 described above may be collectively referred to as memory.

The server 900 may also operate as a remote computer connected to a network through a network, such as the internet, in accordance with various embodiments of the invention. That is, the server 900 may be connected to the network 912 through the network interface unit 911 connected to the system bus 905, or the network interface unit 911 may be used to connect to other types of networks or remote computer systems (not shown).

The memory further includes one or more programs, and the one or more programs are stored in the memory and configured to be executed by the CPU. The one or more programs include instructions for performing the operations performed by the second server in the embodiments of fig. 2-5.

Fig. 10 is a schematic diagram of a resource transfer system provided in an embodiment of the present invention, and referring to fig. 10, the system includes: a second server 1001 and a first server 1002.

The second server 1001 is configured to generate a resource transfer request carrying the user account information and the resource return information when receiving a resource return request carrying the user account information and the resource return information sent by a second application, and send the resource transfer request to the first server, where the resource return information includes the number of target resources to be returned;

the first server 1002 is configured to, when receiving a resource transfer request sent by the second server, obtain resources of a target resource quantity from a set first account, and transfer the resources of the target resource quantity to an account corresponding to the user account information;

the second server 1001 is further configured to transfer the set resources of the target resource amount in the second account to the first account set by the first server.

Fig. 11 is a schematic diagram of a resource transfer system provided in an embodiment of the present invention, and referring to fig. 11, the system includes: a first application 1101, a first server 1102, a second application 1103, and a second server 1104.

A first application 1101, configured to send a resource transfer code acquisition request to a first server 1102, where the first application logs in a user account;

the first server 1102 is configured to generate a resource transfer code including user account information based on a user account when receiving a resource transfer code acquisition request sent by the first application 1101, and send the resource transfer code to the first application 1101;

the first application 1101 is further configured to display a resource transfer code when receiving the resource transfer code sent by the first server 1102;

the second application 1103 is configured to scan the resource transfer code to obtain user account information, generate a resource refund request carrying the user account information and resource refund information, and send the resource refund request to the second server 1104, where the resource refund information includes the number of target resources to be refunded;

the second server 1104 is configured to generate a resource transfer request carrying the user account information and the resource refund information when receiving the resource refund request sent by the second application 1103, and send the resource transfer request to the first server 1102;

the first server 1102 is further configured to, when receiving a resource transfer request sent by the second server 1104, obtain resources of a target resource quantity from a set first account, and transfer the resources of the target resource quantity to an account corresponding to the user account information;

and the second server 1104 is further configured to transfer the set resources of the target resource amount in the second account to the first account set by the first server.

In the embodiment of the invention, after the first application acquires and displays the resource transfer code from the first server, the second application can scan the resource transfer code to obtain the user account information, generate the resource return request carrying the user account information and the resource return information and send the resource return request to the second server. After receiving the resource return request, the second server may generate a resource transfer request and send the resource transfer request to the first server. Because the resource transfer request carries the user account information and the resource refund information, the first server can directly acquire the resources with the target resource quantity from the set first account after receiving the resource transfer request, and transfer the resources with the target resource quantity to the account corresponding to the user account information, so that the time required by the resource refund process is shortened, the resource refund efficiency is improved, the user can obtain the resources required to be refunded in a short time, the real-time resource refund of the user is realized, and the instant account arrival requirement of the user in resource refund is met. Then, the second server can transfer the set resources with the target resource quantity in the second account to the first account set by the first server to tie up the first account.

In the above embodiments, the implementation may be wholly or partly realized by software, hardware, firmware, or any combination thereof. When implemented in software, it may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When loaded and executed on a computer, cause the processes or functions described in accordance with embodiments of the invention, to occur, in whole or in part. The computer may be a general purpose computer, a special purpose computer, a network of computers, or other programmable device. The computer instructions may be stored on a computer readable storage medium or transmitted from one computer readable storage medium to another, for example, from one website, computer, server, or data center to another website, computer, server, or data center via wire (e.g., coaxial cable, fiber optic, digital Subscriber Line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.). The computer-readable storage medium can be any available medium that can be accessed by a computer or a data storage device, such as a server, a data center, etc., that incorporates one or more of the available media. The usable medium may be a magnetic medium (e.g., floppy Disk, hard Disk, magnetic tape), an optical medium (e.g., digital Versatile Disk (DVD)), or a semiconductor medium (e.g., solid State Disk (SSD)), among others.

The above description is only for the purpose of illustrating the preferred embodiments of the present invention and should not be taken as limiting the scope of the present invention, which is intended to cover any modifications, equivalents, improvements, etc. within the spirit and scope of the present invention.

Claims

1. A resource transfer method applied to a first server, the method comprising:

receiving a resource transfer code acquisition request sent by a first application, wherein the first application is logged in a user account and is a small program which does not need to be installed in a user terminal;

generating a resource transfer code containing user account information based on the user account, wherein the user account information is the user account or encrypted information of the user account;

sending the resource transfer code to the first application, the resource transfer code being displayed by the first application;

receiving a resource transfer request sent by a second server after scanning the resource transfer code through a second application to obtain the user account information, wherein the resource transfer request carries a resource return record number, the user account information and resource return information, the resource return information comprises a resource return order number, the number of target resources needing to be returned and user information, and the resource return information is stored in the second application by a user or a worker; the first server and the second server belong to different countries, the resource transfer request is sent by the second server under the condition that the resource refund information contains agency authentication information, and the agency authentication information is used for indicating that a resource refund list corresponding to the resource refund information has been checked and subjected to agency authentication;

acquiring the resources with the target resource quantity from a set first account, transferring the resources with the target resource quantity to an account corresponding to the user account information, and generating a resource transfer record number;

correspondingly storing the resource transfer record number and the resource return record number, and sending the resource transfer record number to the second server so that the second server can correspondingly store the resource transfer record number and the resource return record number;

2. The method of claim 1, wherein the method further comprises:

inquiring the transferred resource quantity according to the resource transfer record number;

and when the transferred resource quantity is consistent with the target resource quantity, determining that the resource return is successful.

3. A resource transfer method applied to a second server, the method comprising:

receiving a resource returning request which is sent by a second application and carries user account information and resource returning information, wherein the resource returning information comprises a resource returning single number, the number of target resources to be returned and user information, and the resource returning information is stored in the second application by a user or a worker; the user account information is obtained by scanning a resource transfer code displayed by a first application by the second application, the resource transfer code contains the user account information, the user account information is a user account logged in by the first application or encrypted information of the user account, and the first application is an applet which does not need to be installed in a user terminal;

generating a resource transfer request carrying a resource return record number, the user account information and the resource return information;

if the resource return information contains agency authentication information, the resource transfer request is sent to a first server, the first server transfers the resources of the target resource quantity in a first account set by the first server to an account corresponding to the user account information, and a resource transfer record number is generated; the agency authentication information is used for indicating that a resource refund list corresponding to the resource refund information has been checked and subjected to agency authentication, and the first server and the second server belong to different countries;

receiving the resource transfer record number sent by the first server, and correspondingly storing the resource transfer record number and the resource return record number;

4. A method of resource transfer, the method comprising:

after receiving a resource transfer code acquisition request sent by a first application, a first server generates a resource transfer code containing user account information based on a user account logged in the first application, wherein the user account information is the user account or encrypted information of the user account, and the first application is an applet which does not need to be installed in a user terminal;

the first server sends the resource transfer code to the first application, and the first application displays the resource transfer code;

when a second server receives a resource returning request which is sent by a second application and carries user account information and resource returning information, a resource transferring request which carries a resource returning record number, the user account information and the resource returning information is generated, if the resource returning information contains organization authentication information, the resource transferring request is sent to the first server, the resource returning information comprises a resource returning single number, the number of target resources needing returning and information of a user, and the resource returning information is stored in the second application by the user or a worker; the user account information is obtained by scanning the resource transfer code displayed by the first application by the second application, the institution authentication information is used for indicating that a resource return bill corresponding to the resource return information has been checked and approved by an institution, and the first server and the second server belong to different countries;

when the first server receives the resource transfer request sent by the second server, acquiring the resources with the target resource quantity from a set first account, transferring the resources with the target resource quantity to an account corresponding to the user account information, and generating a resource transfer record number;

the first server correspondingly stores the resource transfer record number and the resource return record number and sends the resource transfer record number to the second server; the second server correspondingly stores the resource transfer record number and the resource return record number;

5. A method for resource transfer, the method comprising:

a first application sends a resource transfer code acquisition request to a first server, wherein the first application logs in a user account and is an applet which does not need to be installed in a user terminal;

when the first server receives the resource transfer code acquisition request sent by the first application, generating a resource transfer code containing user account information based on the user account, and sending the resource transfer code to the first application, wherein the user account information is the user account or encrypted information of the user account;

the second application scans the resource transfer code to obtain the user account information, generates a resource returning request carrying the user account information and resource returning information, and sends the resource returning request to a second server if the resource returning information contains organization authentication information, wherein the resource returning information comprises a resource returning single number, the number of target resources needing returning and user information, and the resource returning information is stored in the second application by a user or a worker; the agency authentication information is used for indicating that a resource refund list corresponding to the resource refund information has been checked and subjected to agency authentication, and the first server and the second server belong to different countries;

when the second server receives the resource return request sent by the second application, generating a resource transfer request carrying a resource return record number, the user account information and the resource return information, and sending the resource transfer request to the first server;

6. A resource transfer apparatus applied to a first server, the apparatus comprising:

the second receiving module is used for receiving a resource transfer code acquisition request sent by a first application, the first application logs in a user account, and the first application is an applet which does not need to be installed in a user terminal;

the second generation module is used for generating a resource transfer code containing user account information based on the user account, wherein the user account information is the user account or encrypted information of the user account;

a sending module, configured to send the resource transfer code to the first application, and the first application displays the resource transfer code;

a first receiving module, configured to receive a resource transfer request sent by a second server after scanning the resource transfer code to obtain the user account information through a second application, where the resource transfer request carries a resource return record number, the user account information, and resource return information, the resource return information includes a resource return order number, a target resource quantity to be returned, and user information, and the resource return information is stored in the second application by a user or a worker; the first server and the second server belong to different countries, the resource transfer request is sent by the second server under the condition that the resource refund information contains agency authentication information, and the agency authentication information is used for indicating that a resource refund list corresponding to the resource refund information has been checked and subjected to agency authentication;

the first generation module is used for generating a resource transfer record number in the process of transferring the resources with the target resource quantity to the account corresponding to the user account information; correspondingly storing the resource transfer record number and the resource return record number, and sending the resource transfer record number to the second server, so that the second server can correspondingly store the resource transfer record number and the resource return record number;

7. A resource transfer apparatus applied to a second server, the apparatus comprising:

the resource returning system comprises a receiving module, a returning module and a returning module, wherein the receiving module is used for receiving a resource returning request which is sent by a second application and carries user account information and resource returning information, the resource returning information comprises a resource returning single number, the number of target resources needing returning and information of a user, and the resource returning information is stored in the second application by the user or a worker; the user account information is obtained by scanning a resource transfer code displayed by a first application by the second application, the resource transfer code contains the user account information, the user account information is a user account logged in by the first application or encrypted information of the user account, and the first application is an applet which does not need to be installed in a user terminal;

the generating module is used for generating a resource transfer request carrying a resource return record number, the user account information and the resource return information;

a sending module, configured to send the resource transfer request to a first server if the resource return information includes mechanism authentication information, where the first server transfers the resource of the target resource amount in a first account set by the first server to an account corresponding to the user account information, and generates a resource transfer record number; the agency authentication information is used for indicating that a resource refund list corresponding to the resource refund information has been checked and subjected to agency authentication, and the first server and the second server belong to different countries;

the receiving module is further configured to receive the resource transfer record number sent by the first server, and correspondingly store the resource transfer record number and the resource return record number;

8. A first server, characterized in that the first server comprises a processor and a memory, in which at least one instruction, at least one program, set of codes, or set of instructions is stored, which is loaded and executed by the processor to implement the resource transfer method according to any of claims 1-2.

9. A computer readable storage medium having stored therein at least one instruction, at least one program, a set of codes, or a set of instructions, which is loaded and executed by a processor to implement the method of resource transfer according to any one of claims 1-2.

10. A second server, comprising a processor and a memory, wherein the memory has stored therein at least one instruction, at least one program, set of codes, or set of instructions, which is loaded and executed by the processor to implement the resource transfer method of claim 3.

11. A computer readable storage medium having stored therein at least one instruction, at least one program, a set of codes, or a set of instructions, which is loaded and executed by a processor to implement the resource transfer method as claimed in claim 3.

12. A resource transfer system, the system comprising: a first server and a second server, the first server and the second server belonging to different countries;

the first server is used for generating a resource transfer code containing user account information based on a user account logged in a first application after receiving a resource transfer code acquisition request sent by the first application, wherein the user account information is the user account or encrypted information of the user account, and the first application is an applet which does not need to be installed in a user terminal;

the first server is further configured to send the resource transfer code to the first application, and the first application displays the resource transfer code;

the second server is used for generating a resource transfer request carrying a resource return record number, the user account information and the resource return information when receiving a resource return request carrying the user account information and the resource return information and sent by a second application, and sending the resource transfer request to the first server if the resource return information comprises organization authentication information, wherein the resource return information comprises a resource return single number, the number of target resources to be returned and information of the user, and the resource return information is stored in the second application by the user or a worker; the user account information is obtained by scanning the resource transfer code displayed by the first application by the second application, and the mechanism authentication information is used for indicating that a resource return bill corresponding to the resource return information has been checked and mechanism authenticated;

the first server is further configured to, when receiving the resource transfer request sent by the second server, acquire the resources of the target resource quantity from a set first account, transfer the resources of the target resource quantity to an account corresponding to the user account information, and generate a resource transfer record number;

the first server is further configured to correspondingly store the resource transfer record number and the resource return record number, and send the resource transfer record number to the second server; the second server is further configured to correspondingly store the resource transfer record number and the resource return record number;

13. A resource transfer system, the system comprising: the system comprises a first application, a first server, a second application and a second server; wherein the first server and the second server belong to different countries;

the first application is used for sending a resource transfer code acquisition request to the first server, the first application logs in a user account, and the first application is an applet which does not need to be installed in a user terminal;

the first server is used for generating a resource transfer code containing user account information based on the user account and sending the resource transfer code to the first application when receiving the resource transfer code acquisition request sent by the first application, wherein the user account information is the user account or encrypted information of the user account;

the second application is used for scanning the resource transfer code to obtain the user account information, generating a resource returning request carrying the user account information and the resource returning information, and if the resource returning information contains organization authentication information, sending the resource returning request to a second server, wherein the resource returning information comprises a resource returning single number, the number of target resources to be returned and information of the user, and the resource returning information is stored in the second application by the user or a worker; the institution authentication information is used for indicating that a resource return bill corresponding to the resource return information has been checked and approved by an institution, and the first server and the second server belong to different countries;

the second server is configured to generate a resource transfer request carrying a resource return record number, the user account information, and the resource return information when receiving the resource return request sent by the second application, and send the resource transfer request to the first server;