CN112037068A

CN112037068A - Resource transfer method, system, device, computer equipment and storage medium

Info

Publication number: CN112037068A
Application number: CN202010979457.7A
Authority: CN
Inventors: 邹均; 朱伟兵; 蔡梦欢; 李�远
Original assignee: Guangzhou Yuntong Chain Golden Service Technology Co ltd
Current assignee: Guangzhou Yuntong Chain Golden Service Technology Co ltd
Priority date: 2020-09-17
Filing date: 2020-09-17
Publication date: 2020-12-04
Anticipated expiration: 2040-09-17
Also published as: CN112037068B

Abstract

The application relates to the technical field of block chains, and provides a resource transfer method, a system, a device, computer equipment and a storage medium. The method comprises the following steps: the first business mechanism server receives resource transfer information sent by the second business mechanism server, determines a large deposit receipt of the transaction and a first user resource account corresponding to the large deposit receipt according to the resource transfer information, transfers a target resource corresponding to the resource transfer information to the first user resource account, further obtains the transaction information of the large deposit receipt, carries out mechanism signature and uploads the transaction information to a block chain, the block chain is triggered to transfer an intelligent contract to change a right holder of the large deposit receipt from the first user to the second user, circulation of the large deposit receipt between business mechanisms can be achieved without carrying out complex identity verification, the transaction efficiency of the large deposit receipt is improved, the transaction information is processed and stored through the block chain, and the transaction safety is further improved.

Description

Resource transfer method, system, device, computer equipment and storage medium

Technical Field

The present application relates to the field of block chain technology, and in particular, to a method, a system, an apparatus, a computer device, and a storage medium for resource transfer.

Background

The large deposit receipt is used as a large deposit receipt issued by banking institutions, and large deposit receipt transactions comprise local transactions and cross-bank transactions, and are usually based on the existing bank account system.

In the prior art, when a user conducts large-volume deposit list cross-bank transaction, complicated identity authentication is usually needed, the transaction efficiency is low, and potential safety hazards exist.

Disclosure of Invention

In view of the above, it is necessary to provide a resource transfer method, system, apparatus, computer device and storage medium for solving the technical problem of low efficiency of large-volume deposit list cross-bank transaction in the prior art.

A resource transfer method is applied to a first service mechanism server, and comprises the following steps:

receiving resource transfer information sent by a second service mechanism server; the resource transfer information is information that the second service mechanism server transfers target resources in the second user resource account to the first service mechanism aiming at the large amount deposit list; the second user resource account is a resource account set by a second user in a second service mechanism;

determining the large deposit receipt of the transaction according to the resource transfer information, acquiring a first user resource account corresponding to the large deposit receipt, and transferring the target resource to the first user resource account; the first user resource account is a resource account set up by a first user at the first service organization, and the first user is the current obligee of the large deposit list;

acquiring the transaction information of the current time aiming at the large-volume deposit receipt, performing organization signature on the transaction information of the current time and uploading the transaction information to a block chain; the transaction information at least comprises the information of the large deposit list, the target resource, the first user resource account transferred by the resource and the second user resource account transferred by the resource; the block chain is used for performing institution verification on the institution signature after receiving the transaction information, storing the transaction information of the large deposit receipt if the verification is passed, and triggering an intelligent transfer contract to change the authorized person of the large deposit receipt from the first user to the second user

In one embodiment, the method further comprises the following steps:

generating a first service organization digital identity file;

and uploading the first service organization digital identity file to the block chain after the first service organization digital identity file is subjected to organization signature, wherein the block chain is also used for verifying the organization signature according to the first service organization digital identity file.

In one embodiment, the method further comprises the following steps:

acquiring service information of the large deposit list;

after the service information is subjected to mechanism signature, uploading the service information to the block chain; and the block chain is also used for performing organization verification on the organization signature after receiving the service information, storing the service information if the verification is passed, triggering and issuing an intelligent contract to generate a corresponding large deposit receipt digital certificate, and issuing the large deposit receipt to a deposit receipt transaction platform.

In one embodiment, the method further comprises the following steps:

receiving a purchase request sent by the deposit receipt transaction platform; the purchase request is a purchase request of the first user for the large deposit bill, and the purchase request comprises a purchase amount;

determining the first user resource account according to the purchase request; transferring out the resource corresponding to the purchase amount from the first user resource account;

and performing mechanism signature on the current purchase information of the large-volume deposit receipt, and uploading the mechanism signature to the block chain, wherein the block chain is further used for performing mechanism verification on the mechanism signature after receiving the current purchase information, storing the current purchase information after the verification is passed, and triggering a purchase intelligent contract to change the authorized person of the large-volume deposit receipt corresponding to the current purchase information into the first user.

In one embodiment, the method further comprises the following steps:

obtaining a pledge request of a pledge large-amount deposit list to be pledged of a third user; the pledge request carries pledge information; the pledge information comprises third user information, a pledge deposit bill to be pledged, a certificate issuing business mechanism of the pledge deposit bill to be pledged and target pledge amount;

sending a verification request corresponding to the pledge information to the block chain; the block chain is also used for checking the pledge information according to a prestored third user digital identity file, a digital identity file corresponding to the certificate issuing service mechanism and a digital certificate corresponding to a pledge to be pledged, and returning checking passing information if the checking passes;

receiving the verification passing information returned by the block chain, generating pledge intention information and sending the pledge intention information to a certificate issuing service mechanism server; the certificate issuing service mechanism server is also used for signing the received pledge intention information and sending the signed pledge intention information to the block chain; the pledge intention information at least comprises the to-be-pledged large deposit list, a third user and the digital identity file of the first service organization; the block chain is also used for carrying out mechanism verification on the pledge intention information, storing the pledge intention information after the verification is passed, and returning the signature information of the certificate issuing service mechanism to the first service mechanism server;

receiving signature information of the certificate issuing service mechanism returned by the block chain, and transferring the resources corresponding to the target pledge amount to a third user resource account; the third user resource account is a resource account opened by the third user in the first service organization;

obtaining the pledge resource transfer information, and uploading the pledge resource transfer information to the block chain after performing mechanism signature on the pledge resource transfer information; and the block chain is also used for carrying out pledge marking on the large-volume deposit list corresponding to the pledge information according to the pledge resource transfer information.

In one embodiment, the block chain is further configured to generate a corresponding pledge-removing intelligent contract according to the pledge resource transfer information; the pledge-releasing intelligent contract is configured with corresponding preset repayment information as a contract trigger condition, and the method further comprises the following steps:

obtaining repayment information of the third user;

and uploading the repayment information to the block chain after the repayment information is subjected to mechanism signature, wherein the block chain is also used for carrying out mechanism verification on the mechanism signature after the repayment information is received, comparing the repayment information with the preset repayment information after the repayment information is passed through the verification, and if the repayment information and the preset repayment information are matched with each other, meeting contract triggering conditions, storing the repayment information and triggering the release of the intelligent pledge contract so as to release pledge marks of the large-volume deposit receipt.

In one embodiment, if it is detected that the large deposit receipt has expired, determining a current redemption amount of the large deposit receipt;

acquiring a resource account of the current obligee of the large deposit list, and transferring the resource corresponding to the cashing amount to the resource account of the current obligee;

acquiring the cashing information, signing the cashing information, uploading the signed cashing information to the block chain, wherein the block chain is also used for performing mechanism verification on the mechanism signature after receiving the cashing information, storing the cashing information after passing the verification, and triggering a logout intelligent contract of the block chain to logout the large-volume deposit receipt.

A resource transfer system comprises a first service mechanism server, a second service mechanism server, a deposit receipt transaction platform and a block chain, wherein,

the deposit receipt transaction platform is used for receiving a deposit receipt issuing operation request of a first user and issuing a large deposit receipt corresponding to the first user; receiving a purchase operation request of a second user for the deposit list of the large amount, and sending a processing message corresponding to the purchase operation request to a second service mechanism server;

the second business mechanism server is used for transferring the target resource in the second user resource account to the first business mechanism aiming at the large deposit receipt according to the processing message sent by the deposit receipt transaction platform; the second user resource account is a resource account set by the second user in a second service mechanism;

the first service organization server is used for receiving the resource transfer information sent by the second service organization server, determining the large deposit list of the transaction, acquiring a first user resource account corresponding to the large deposit list, and transferring the target resource to the first user resource account; the transaction information of the large deposit receipt is subjected to agency signature and then uploaded to the block chain; the first user resource account is a resource account opened by the first user at the first service organization;

and the block chain is used for receiving the transaction information, performing organization verification on the organization signature, storing the transaction information of the large deposit receipt if the verification is passed, and triggering an intelligent transfer contract to change the authorized person of the large deposit receipt from the first user to the second user.

An apparatus for resource transfer, the apparatus comprising: applied to a first business institution server, the apparatus comprising:

the information receiving module is used for receiving the resource transfer information sent by the second service mechanism server; the resource transfer information is information that the second service mechanism server transfers target resources in the second user resource account to the first service mechanism aiming at the large amount deposit list; the second user resource account is a resource account set by a second user in a second service mechanism;

the resource transfer module is used for determining the large deposit receipt of the transaction according to the resource transfer information, acquiring a first user resource account corresponding to the large deposit receipt and transferring the target resource to the first user resource account; the first user resource account is a resource account set up by a first user at the first service organization, and the first user is the current obligee of the large deposit list;

the cochain module is used for acquiring the transaction information aiming at the large-volume deposit receipt, performing mechanism signature on the transaction information and uploading the transaction information to the block chain; the transaction information at least comprises the information of the large deposit list, the target resource, the first user resource account transferred by the resource and the second user resource account transferred by the resource; and the block chain is used for performing institution verification on the institution signature after receiving the transaction information, storing the transaction information of the large deposit receipt if the verification is passed, and triggering an intelligent transfer contract to change the authorized person of the large deposit receipt from the first user to the second user.

A computer device comprising a memory and a processor, the memory storing a computer program, the processor implementing the following steps when executing the computer program:

receiving resource transfer information sent by a second service mechanism server; the resource transfer information is information that the second service mechanism server transfers target resources in the second user resource account to the first service mechanism aiming at the large amount deposit list; the second user resource account is a resource account set by a second user in a second service mechanism; determining the large deposit receipt of the transaction according to the resource transfer information, acquiring a first user resource account corresponding to the large deposit receipt, and transferring the target resource to the first user resource account; the first user resource account is a resource account set up by a first user at the first service organization, and the first user is the current obligee of the large deposit list; acquiring the transaction information of the current time aiming at the large-volume deposit receipt, performing organization signature on the transaction information of the current time and uploading the transaction information to a block chain; the transaction information at least comprises the information of the large deposit list, the target resource, the first user resource account transferred by the resource and the second user resource account transferred by the resource; and the block chain is used for performing institution verification on the institution signature after receiving the transaction information, storing the transaction information of the large deposit receipt if the verification is passed, and triggering an intelligent transfer contract to change the authorized person of the large deposit receipt from the first user to the second user.

A computer-readable storage medium, on which a computer program is stored which, when executed by a processor, carries out the steps of:

The resource transfer method, system, device, computer equipment and storage medium, the first service mechanism server receives the resource transfer information sent by the second service mechanism server, determining the large deposit receipt of the transaction and a first user resource account corresponding to the large deposit receipt according to the resource transfer information, transferring the target resource corresponding to the resource transfer information to the first user resource account, further acquiring the transaction information of the large deposit receipt, uploading the transaction information to a block chain after organization signature, triggering the block chain transfer intelligent contract to change the authorized person of the large deposit receipt from the first user to the second user, the resource transfer information is information that the second business mechanism server transfers the target resource in the second user resource account to the first business mechanism aiming at the large amount deposit list, and the transaction information comprises the large amount deposit list, the target resource, the first user resource account to which the resource is transferred and the second user resource account to which the resource is transferred. The first business mechanism conducts mechanism signature on the transaction information of the large-volume deposit receipt, after the mechanism is verified, the authorized person of the large-volume deposit receipt is changed on the block chain, the large-volume deposit receipt can be circulated between the business mechanisms without complex identity verification, the transaction efficiency of the large-volume deposit receipt is improved, the transaction information is processed and stored through the block chain, and the transaction safety is further improved.

Drawings

FIG. 1 is a diagram illustrating an application environment of a resource transfer method according to an embodiment

FIG. 2 is a flow diagram illustrating a method for resource transfer in one embodiment;

FIG. 3 is a block chain based large credit uniflow diagram in one embodiment;

FIG. 4 is a block chain based large credit uniflow diagram in one embodiment;

FIG. 5 is a block chain based large credit uniflow diagram in one embodiment;

FIG. 6 is a block chain based large credit uniflow diagram in one embodiment;

FIG. 7 is a block chain based large credit uniflow diagram in one embodiment;

FIG. 8 is a block chain based large credit uniflow diagram in one embodiment;

FIG. 9 is a block chain based large credit uniflow diagram in one embodiment;

FIG. 10 is a block chain based large credit uniflow diagram in one embodiment;

FIG. 11 is a block diagram of a resource transfer system in one embodiment;

FIG. 12 is a block diagram of an apparatus for transferring resources according to an embodiment;

FIG. 13 is a diagram illustrating an internal structure of a computer device according to an embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.

It should be noted that the terms "first \ second \ third" related to the embodiments of the present invention are merely used for distinguishing similar objects, and do not represent a specific ordering for the objects, and it should be understood that "first \ second \ third" may exchange a specific order or sequence order if allowed. It should be understood that the terms first, second, and third, as used herein, are interchangeable under appropriate circumstances such that the embodiments of the invention described herein are capable of operation in other sequences than those illustrated or otherwise described herein.

The communication method of the metering automation system provided by the application can be applied to the application environment shown in fig. 1. The first service mechanism server 102 communicates with the second service mechanism server 104, and the blockchain communicates. The second business entity server 104 may process transaction information for the entity user for the large deposit list. The first business entity server 102 may receive the transaction information from the second business entity server 104, process the transaction information, and upload the organization signature to the blockchain 106. The first service organization server 102 and the second service organization server 104 may be implemented as separate servers or as a server cluster consisting of a plurality of servers.

In one embodiment, as shown in fig. 2, a resource transfer method is provided, which is described by taking the method as an example applied to the first service organization server 102, and includes the following steps:

step S201, receiving resource transfer information sent by the second service mechanism server.

The resource account can be an account which is registered or acquired by the user at the business institution and relates to the related contents of the user property, information, resources and the like. The resource transfer information may correspond to a large deposit book transaction information. The large deposit receipt can be a large deposit certificate issued by a deposit institution to individuals, non-financial enterprises, institutions and the like, and the large deposit receipt can be transferred before the expiration. The first service mechanism and the second service mechanism can provide resource account opening service for the user, the first user can set a corresponding first user resource account in the first service mechanism, and the second user can set a corresponding second user resource account in the second service mechanism. The first user may be an authorized person of a large deposit slip issued by the first business organization, and the second user may purchase the large deposit slip with the first user as the authorized person and transfer the target resource corresponding to the large deposit slip to the first user through the second user resource account. The second business entity may transfer the target resource in the second user resource account to the first business entity for the grand deposit slip to enable a cross-line transaction of the grand deposit slip. The resource transfer information may be information that the second business entity server transfers the target resource in the second user resource account to the first business entity for the grand deposit slip.

In a specific implementation, the second service organization server may transfer the target resource in the resource account of the second user to the first service organization according to a large deposit list for the second user to purchase the first user, so as to generate resource transfer information, and the first service organization server may receive the resource transfer information.

Step S202, determining the large-volume deposit bill of the transaction according to the resource transfer information, acquiring a first user resource account corresponding to the large-volume deposit bill, and transferring the target resource to the first user resource account.

The resource transfer information may include the related large deposit list and the corresponding target resource. The first service mechanism server can determine the large deposit list of the transaction according to the resource transfer information, and determine a first user resource account corresponding to the first service mechanism of the first user according to the corresponding relation between the large deposit list and the first user. The transaction may be a transaction in which the second user purchases a large deposit receipt with the first user as an authorized person, and the first user may obtain a target resource corresponding to the large deposit receipt from the second user as a transferor of the transaction. Because the first service organization and the second service organization are different service organizations, the second service organization can transfer the target resource from the second user resource account to the first service organization first and then transfer the target resource from the first service organization to the first user resource account. The corresponding relationship between the large deposit receipt and the first user can be bound by the large deposit receipt and the digital identity of the first user.

In a specific implementation, the first service mechanism server may determine a local transaction large deposit list according to the resource transfer information, obtain a corresponding first user resource account from an internal storage or a block chain, and send a target resource obtained from the second service mechanism to the first user resource account.

Step S203, acquiring the transaction information aiming at the large-volume deposit list, performing agency signature on the transaction information and uploading the transaction information to the block chain.

The transaction information may include information of a large deposit list, target resources, a first user resource account to which resources are transferred, and a second user resource account to which resources are transferred. The blockchain may have stored thereon a digital identity file of the first service organization. The digital identity file can be a digital identity identifier generated by a service organization according to the distributed Digital Identities (DID) protocol specification and the identity information of the service organization, the digital identity file corresponding to the specific identity of the service organization has uniqueness, verifiability and distribution, the service organization can autonomously control the digital identity of the service organization, and the service organization can generate a key pair, wherein the private key is used for performing organization signature on the file, and the public key is used for performing signature verification. The first service institution server can sign the transaction information according to the private key of the digital identity file of the first service institution, and the block chain performs institution verification according to the public key of the pre-stored digital identity file. Smart contracts are computer protocols that propagate, validate, or execute contracts in an informational manner, allowing for trusted transactions that are traceable and irreversible without third parties. The transfer intelligent contract may be a computer agreement formed from transfer information and transfer rules and may be used for an obligee who changes the grand deposit statement. The information of the large deposit receipt can also be stored on the blockchain, such as the digital certificate of the large deposit receipt, the corresponding information of the authorized person, and the like.

And the blockchain is used for performing institution verification on the institution signature after receiving the transaction information, storing the transaction information of the large deposit receipt if the verification is passed, and triggering an intelligent transfer contract to change the authorized person of the large deposit receipt from the first user to the second user.

In a specific implementation, the first service institution server may obtain the transaction information including the information of the large deposit list, the target resource, the first user resource account into which the resource is transferred and the second user resource account from which the resource is transferred, and upload the transaction information to the block chain after performing institution signature on the transaction information according to the private key. And the blockchain performs institution verification on the institution signature according to the public key in the digital identity file of the first business institution, if the verification is passed, the transaction information is stored, and the licensee of the large deposit receipt is changed from the first user to the second user through the transfer intelligent contract.

In the resource transfer method, the first service mechanism server receives the resource transfer information sent by the second service mechanism server, determining the large deposit receipt of the transaction and a first user resource account corresponding to the large deposit receipt according to the resource transfer information, transferring the target resource corresponding to the resource transfer information to the first user resource account, further acquiring the transaction information of the large deposit receipt, uploading the transaction information to a block chain after organization signature, triggering the block chain transfer intelligent contract to change the authorized person of the large deposit receipt from the first user to the second user, the resource transfer information is information that the second business mechanism server transfers the target resource in the second user resource account to the first business mechanism aiming at the large amount deposit list, and the transaction information comprises the large amount deposit list, the target resource, the first user resource account to which the resource is transferred and the second user resource account to which the resource is transferred. The first business mechanism conducts mechanism signature on the transaction information of the large-volume deposit receipt, after the mechanism is verified, the authorized person of the large-volume deposit receipt is changed on the block chain, the large-volume deposit receipt can be circulated between the business mechanisms without complex identity verification, the transaction efficiency of the large-volume deposit receipt is improved, the transaction information is processed and stored through the block chain, and the transaction safety is further improved.

In one embodiment, the method further comprises:

generating a first service organization digital identity file; and uploading the first service organization digital identity file to a block chain after the first service organization digital identity file is subjected to organization signature, wherein the block chain is also used for verifying the organization signature according to the first service organization digital identity file.

In this embodiment, the first service organization generates a pair of digital identity keys, creates a digital identity file based on a DID digital identity Document protocol format, and uploads the digital identity file to the block chain for storage after performing organization signature through a private key. The blockchain may verify the institution signature according to a public key carried by the first service institution digital identity file.

In some embodiments, digital identity files of other service organizations may be stored in the blockchain, and the service organization server of each service organization may serve as a blockchain node to access the large deposit receipt information on the blockchain.

According to the scheme of the embodiment, the first service mechanism server can generate the first service mechanism digital identity file and upload the first service mechanism digital identity file to the block chain for storage, so that the reliability of service mechanism identity identification is improved.

In one embodiment, the method further comprises:

acquiring service information of a large deposit list; after the service information is subjected to mechanism signature, uploading the service information to a block chain; the block chain is also used for carrying out institution verification on the institution signature after receiving the service information, storing the service information if the verification is passed, triggering and issuing an intelligent contract to generate a corresponding large deposit receipt digital certificate, and issuing the large deposit receipt to the deposit receipt transaction platform.

In this embodiment, both the first service organization and the second service organization may be used as the issuer of the large deposit receipt. The service information may include a product code, a name, an issuer, a currency, a deposit term, a nominal interest rate, a payment method, etc. of the large deposit receipt. The issuing intelligent contract may be a computer protocol generated according to business information and transaction rules of the large deposit receipt, and may be used to generate a corresponding large deposit receipt digital voucher. The large deposit receipt digital voucher may be stored on the blockchain in a digital identity of the large deposit receipt. The deposit receipt transaction platform can be an internet platform used for carrying out the transaction of the large-volume deposit receipt, the business mechanism can carry out identity registration and release the large-volume deposit receipt on the deposit receipt transaction platform, and the user can carry out the transaction activities such as identity registration, purchase and transfer of the large-volume deposit receipt on the platform. The first service institution server can perform institution signing on the service information of the large deposit receipt of the first service institution as the certificate issuing institution according to the private key and upload the service information to the block chain. And the block chain carries out institution verification on the institution signature according to the public key, stores the service information after the verification is passed, triggers and issues an intelligent contract to generate a corresponding large deposit receipt digital certificate, and issues the large deposit receipt to a deposit receipt transaction platform for the user to carry out large deposit receipt transaction.

In some embodiments, the user may also generate a user digital identity file according to the registration information on the deposit receipt transaction platform, the user identity file, and information that the user can realize corresponding identity relationship in the resource account information of the service organization, such as a reserved mobile phone number, an identity card number, and the like, and upload the user digital identity file to the block chain for storage, or upload the user digital identity file to the block chain for storage after the service organization performs organization signature to obtain the user digital identity file. After the user purchases the large deposit receipt, the large deposit receipt and the digital identity of the user can be bound and stored on the block chain. Therefore, the block chain can at least comprise a business organization digital identity file, a user digital identity file and a large deposit receipt digital certificate, and when the business organization and the deposit receipt transaction platform carry out transaction, the digital identity information corresponding to each main body can be obtained from the block chain for verification.

According to the scheme of the embodiment, the first service mechanism server acquires the large-volume deposit receipt service information, uploads the large-volume deposit receipt service information to the block chain after mechanism signature is carried out, generates the large-volume deposit receipt digital certificate after the block chain is processed, and issues the large-volume deposit receipt digital certificate to the deposit receipt transaction platform, so that the large-volume deposit receipt information has reliability.

In one embodiment, the method further comprises:

receiving a purchase request sent by a deposit transaction platform; determining a first user resource account according to the purchase request; transferring resources corresponding to the purchase amount from the first user resource account; and performing agency signature on the purchase information of the large amount deposit list, and uploading the purchase information to the block chain.

In this embodiment, the first user may purchase a large-volume deposit slip issued by the first business entity on the deposit slip transaction platform, and pay a corresponding purchase amount, and the deposit slip transaction platform may generate a purchase request according to an order of the first user, and send the purchase request to the first business entity server. The purchase request may be a purchase request of the first user on the deposit receipt transaction platform for the large deposit receipt, and the purchase request may include a purchase amount and a digital identity file of the first user.

After receiving the purchase request, the first service mechanism server determines a first user resource account corresponding to the first user in the service mechanism from the local storage, and transfers the corresponding resource from the first user resource account to the first service mechanism. The purchase information may include the first user, the first user resource account, the large deposit slip, the purchase amount, and the like. The first business organization can carry out organization signature on the purchase information and upload the purchase information to the block chain so as to carry out registration of transaction information and change of authorized persons. The intelligent purchase contract may be a computer protocol determined for the large inventory purchase information for making an entitlement status change to purchase the corresponding large inventory.

After the block chain receives the purchase information, the mechanism signature is subjected to mechanism verification, after the verification is passed, the purchase information is stored, and an intelligent contract is triggered to be purchased, so that the obligee of the large-volume deposit receipt corresponding to the purchase information is changed into a first user.

According to the scheme of the embodiment, the first service mechanism server can complete resource transfer out from the first user resource account corresponding to the purchase request after acquiring the purchase request of the first user sent by the deposit receipt transaction platform, purchase the intelligent contract through the block chain, change the authorized person of the large deposit receipt into the first user, complete transfer and recording of the authorized state of the large deposit receipt through the block chain, do not need to perform complicated identity authentication, and improve the transaction efficiency and security.

In one embodiment, the method further comprises:

obtaining a pledge request of a pledge large-amount deposit list to be pledged of a third user; sending a verification request corresponding to the pledge information to the block chain; receiving verification passing information returned by the block chain, generating pledge intention information, sending the pledge intention information to the certificate issuing service mechanism server, receiving signature information of the certificate issuing service mechanism returned by the block chain, and transferring resources corresponding to the target pledge amount to a third user resource account; and acquiring the pledge resource transfer information, performing mechanism signature on the pledge resource transfer information, and uploading the pledge resource transfer information to the block chain.

In this embodiment, the first service organization may receive a request for pledge of the large-volume deposit list from the user, and perform pledge of the large-volume deposit list, where the large-volume deposit list for pledge may be issued by another service organization, the other service organization may be a certificate issuing service organization, and the step of issuing the large-volume deposit list by the certificate issuing service organization may be the same as the step of issuing the large-volume deposit list by the first service organization. The issuing service authority may also store the corresponding digital identity file on the blockchain. The third user can store corresponding digital identity files on the block chain, set up corresponding third user resource accounts on the first business mechanism, and can purchase the large-volume deposit slip issued by the certificate issuing business on the deposit slip transaction platform, and the large-volume deposit slip which takes the third user as a right holder is used for carrying out the pledge on the business mechanism to obtain corresponding resources.

A third user may issue a grand deposit order pledge request to the first business entity server. The pledge request can carry pledge information, including third user information, pledge deposit list to be pledged, the issuing service mechanism of pledge deposit list to be pledged and target pledge amount. The target pledge amount may be a resource that the third user desires to obtain from the first business entity server. The first service organization server may obtain the pledge request and send a verification request to the blockchain to verify the pledge information and the authenticity of the third user's ownership of the grand deposit statement.

The block chain can check the pledge information according to the prestored third user digital identity file, the digital identity file corresponding to the certificate issuing service mechanism and the digital certificate corresponding to the pledge to be pledged, and if the check is passed, the check passing information is returned to the first service mechanism server.

The first service organization server can receive the verification passing information, confirm the pledge information and the ownership of the pledge to be treated by the third user. The first business organization server can generate pledge intention information and print the deposit list to be stored in a storage, and the pledge intention information can comprise the third user, the to-be-pledged large deposit list and the digital identity file of the first business organization. The first service mechanism server can send the pledge intention information to the certificate sending service mechanism server, and the certificate sending service mechanism server signs the pledge intention and uploads the pledge intention to the block chain. And after the pledge intention information is subjected to mechanism verification by the block chain, the signature information of the certificate issuing service mechanism is sent to the first service mechanism server. And after receiving the signature information of the certificate issuing service mechanism, the first service mechanism server transfers the resources corresponding to the target pledge amount to a third user resource account, acquires the pledge resource transfer information according to the process, and uploads the pledge resource transfer information to the block chain after mechanism signature according to a private key, wherein the pledge resource transfer information comprises third user information, pledge large-amount deposit list information, the third user resource account, the certificate issuing service mechanism, the first service mechanism digital identity file and the like.

And the block chain receives the pledge resource transfer information, and performs pledge marking on the large-volume deposit list after performing institution verification according to the public key. The pledge mark may include pledge information of the large deposit receipt, thereby realizing credible registration of the third user pledge the large deposit receipt to the first business organization, and the first business organization becomes pledge of the large deposit receipt

In some embodiments, the third user may also provide a resource account provisioned by a service entity other than the first service entity for receiving a target pledge amount transferred by the first service entity corresponding to the pledge information.

In some embodiments, the first business entity may also accept the pledge for the large volume deposit order issued by the entity. The first service mechanism server can obtain a pledge request of a user, after confirming the ownership of the user to the large-volume deposit list through the block chain, the first service mechanism server provides a target pledge amount corresponding to pledge information carried by the pledge request to a resource account of the user, and uploads pledge resource transfer information to the block chain after carrying out mechanism signature on the pledge information.

According to the scheme of the embodiment, the first service mechanism server can receive the pledge request of the large-volume deposit receipt of the third user, and verify pledge information carried in the pledge request through the block chain, after the verification is passed, resources corresponding to the target pledge amount are transferred to the third user resource account, the pledge resource transfer information mechanism is signed and uploaded to the block chain, and pledge marking is carried out on the large-volume deposit receipt through the block chain, so that a complex identity document does not need to be provided, the transaction safety of the large-volume deposit receipt is improved, and the pledge efficiency of the service mechanism of the large-volume deposit receipt outside the certificate issuing service mechanism is further improved.

In one embodiment, the blockchain is further configured to generate a corresponding pledge-canceling intelligent contract according to the pledge resource transfer information; the pledge-releasing intelligent contract is configured with corresponding preset repayment information as a contract trigger condition, and the method further comprises the following steps:

obtaining repayment information of the third user; and uploading the repayment information to the block chain after performing mechanism signature.

In this embodiment, the release of the pledge intelligent contract may be a computer protocol generated by the blockchain according to the pledge resource transfer information and the corresponding pledge rule, and may be an agreement on a resource repayment mode, a repayment amount, a loan interest rate, and the like, wherein the repayment mode may be a periodic repayment mode, and a corresponding resource to be repayed at each period is set, or a one-time repayment due to the expiration. Pledge rules can be set according to pledge regulations and compliance regulations of a business entity. The preset repayment information can be that the user finishes all repayment, and when the user finishes all repayment, the block chain can trigger the release of the intelligent pledge contract according to the received information for finishing all repayment.

The first service mechanism server can obtain the repayment information of the third user, and uploads the repayment information to the block chain after mechanism signature is carried out on the repayment information according to the private key. The block chain can carry out institution verification on the institution signature according to the public key after receiving the repayment information, and after the verification is passed, the repayment information is compared with the preset repayment information. If the matching is carried out, for example, the repayment information shows that the user finishes all repayment, the contract triggering condition is met, the repayment information is stored, the pledge intelligent contract is triggered to be released, so that the pledge mark of the large-volume deposit list is released, and at the moment, the pledge state of the large-volume deposit list on the block chain to the first business mechanism is released. In some embodiments, the blockchain may store the payment information regardless of whether the payment information is successfully matched with the preset payment information, so as to ensure the integrity of the payment information.

According to the scheme in the embodiment, the first service mechanism server can acquire the repayment information of the third user, and uploads the repayment information to the block chain after mechanism signature is carried out on the repayment information, when the repayment information meets the preset repayment information, the pledge intelligent contract is removed, so that pledge marks on the large-volume deposit receipt are removed, and the processing efficiency of the pledge repayment process of the large-volume deposit receipt is improved.

In one embodiment, the method further comprises:

if the fact that the large deposit receipt is due is detected, determining the current cash amount of the large deposit receipt; acquiring a resource account of a current obligee of the large deposit list, and transferring a resource corresponding to the cash amount to the resource account of the current obligee; and acquiring the cashing information, signing the cashing information, and uploading the signed cashing information to the block chain.

In the embodiment, the large deposit receipt has a deposit receipt period according to the service information of the large deposit receipt, and the first service institution server as the issuer can cash the expired large deposit receipt. The amount of money to be redeemed for the large deposit receipt may also be determined based on the service information of the large deposit receipt, such as currency, deposit time limit, face interest rate, etc. Because the transfer can be performed after the release of the large deposit receipt, the first business mechanism can determine the current obligee and the resource account corresponding to the current obligee according to the historical transaction information of the large deposit receipt, which is locally stored or obtained from the block chain, and transfer the resource corresponding to the cashing amount to the resource account of the current obligee. The cashing information can comprise a large deposit receipt, a first service organization digital identity file and the like. The logout intelligent contract can be used for logout of the corresponding large deposit receipt according to the large deposit receipt information and a computer protocol set by a logout rule. The first service mechanism can upload the cashing information to the block chain after performing mechanism signature according to the private key, store the cashing information after the block chain passes verification, and trigger the intelligent logout contract to logout the large deposit receipt.

In some embodiments, the resource account of the current licensee of the large deposit receipt may be a resource account opened by an institution other than the first service institution, and the first service institution server may transfer the resource corresponding to the redemption amount to the service institution where the resource account of the current licensee is located, and the service institution transfers the resource to the resource account of the current licensee.

According to the scheme of the embodiment, the first service mechanism server can determine the cashing amount and transfer the money amount to the resource account of the current obligee when the large deposit receipt is due, the cashing information is uploaded to the block chain, and the intelligent logout contract is triggered to logout the large deposit receipt, so that a closed loop of the life cycle of the large deposit receipt is formed, and the efficiency of large deposit receipt management is improved.

It should be understood that, although the steps in the flowchart of fig. 2 are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least a portion of the steps in fig. 2 may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, which are not necessarily performed in sequence, but may be performed in turn or alternately with other steps or at least a portion of the other steps or stages.

In order to more clearly illustrate the technical solutions in the above embodiments, the resource transfer method is applied to the cross-row circulation process of the large deposit list based on the block chain, and specific processes include as shown in fig. 3 to fig. 10.

The trans-bank circulation of the large-volume deposit receipt based on the block chain can build a distributed financial account system as shown in fig. 3 and 4, based on the block chain platform, the large-volume deposit receipt asset is mapped onto the chain and is bound with the user digital identity and the bank digital identity, the right, the issue and the circulation of the large-volume deposit receipt asset are completed on the chain, all transaction records are linked and certified, a large-volume deposit receipt certificate capable of inter-validating across banks and a transaction information chain capable of tracing across banks are formed, and the trans-bank circulation of the large-volume deposit receipt is realized. The infrastructure of the system may include distributed ledgers and digital identities. Based on the block chain distributed account book technology, account book data among multiple banks can be intercommunicated, and circulation and transaction data of a full life cycle of a large-volume deposit list can be deposited on a block chain. On the basis that banks on the block chain have viewing permission, historical transaction conditions of the large deposit receipt can be traced, the large deposit receipt is bound with the digital identity of the user, and the banks can verify the authenticity of the deposit receipt by checking the current digital identity of the large deposit receipt.

The trans-row circulation of the large volume inventory based on the block chain can include processes of information uplink, information sharing and the like. As shown in fig. 5, the user digital identity and bank digital identity creation process. The user and the bank can establish digital identities according to account numbers and bank account information of respective deposit receipt transaction platforms, wherein the account number information on the deposit receipt transaction platforms of the user and the bank can be bound with the digital identities on the block chains, and the bank account information can be used for payment and collection of large-volume deposit receipt transactions.

As shown in fig. 6, the issuing process of the bank's large deposit receipt, bank a may upload the business information of the large deposit receipt, including product code, name, issuing organization, currency, deposit receipt term, face interest rate, payment mode, etc., to the block chain for deposit evidence, trigger the large deposit receipt to issue an intelligent contract, automatically generate a digital voucher of the large deposit receipt on the chain, and issue the digital voucher to the deposit receipt transaction platform for the user to purchase.

As shown in fig. 7, the process of purchasing a large deposit receipt is that after a user a can purchase a large deposit receipt product of a bank a in a deposit receipt market and perform a transaction payment operation, the bank a performs a digital signature to confirm the transaction and uploads the transaction to a block chain for deposit certificate, and simultaneously triggers the large deposit receipt to purchase an intelligent contract, so that a licensee of the large deposit receipt is automatically changed from the bank a to the user a.

As shown in fig. 8, the transfer process of the large deposit receipt is shown, a user a can select to hang the large deposit receipt on a deposit receipt transaction platform for transfer before the owned large deposit receipt expires, after a user B purchases the transferred large deposit receipt product in the deposit receipt market and uses the account of the bank B for transaction payment, the bank a carries out digital signature confirmation transaction and uploads the transaction to a block chain for deposit evidence, and meanwhile, the large deposit receipt is triggered to purchase (transfer) an intelligent contract, so that the licensee of the large deposit receipt is automatically changed from the user a to the user B.

As shown in fig. 9, the process of pledge of the large-volume deposit receipt is shown, bank a is the issuer of the large-volume deposit receipt, user B is the authorized person of the large-volume deposit receipt, and pledge the large-volume deposit receipt to bank B before the expiration of the large-volume deposit receipt, and bank B can verify the authenticity of the large-volume deposit receipt information and the right of user B to the deposit receipt on the blockchain and approve the loan. After the bank B confirms that the loan intention is backward, the bank A carries out digital signature to agree to the pledge and uploads the pledge to the block chain for deposit, the large-volume deposit receipt is marked as pledge to the bank B on the block chain, then the bank B carries out deposit, and the bank B carries out digital signature on pledge deposit information to generate a pledge release intelligent contract. And the third user uses the loan according to the agreement after receiving the money and pays the money according to the repayment, all the transaction information is linked to deposit the certificate, simultaneously the intelligent pledge is triggered to be released, and the large-amount deposit receipt pledge of the second user is released after all the pledge money is paid.

As shown in fig. 10, the cashing process of the large deposit receipt is shown, when the large deposit receipt of the user b expires, the issuing bank a pays for the transaction account of the user b, and confirms the transaction by digital signature, links the deposit certificate with the related transaction information, and simultaneously triggers the large deposit receipt to log out the intelligent contract, and automatically logs out the large deposit receipt of the user b.

In one embodiment, as shown in fig. 11, there is provided a resource transfer system comprising a first business entity server, a second business entity server, a deposit receipt transaction platform, and a blockchain, wherein,

the deposit receipt transaction platform is used for receiving a deposit receipt issuing operation request of a first user and issuing a large-volume deposit receipt corresponding to the first user; receiving a deposit list purchase operation request of a second user for the large-volume deposit list, and sending a processing message corresponding to the deposit list purchase operation request to a second service mechanism server;

the second service mechanism server is used for transferring the target resource in the second user resource account to the first service mechanism aiming at the large deposit receipt according to the processing message sent by the deposit receipt transaction platform; the second user resource account is a resource account set by the second user in the second service mechanism;

the first service mechanism server is used for receiving the resource transfer information sent by the second service mechanism server, determining the large deposit list of the transaction, acquiring a first user resource account corresponding to the large deposit list and transferring the target resource to the first user resource account; the transaction information of the large-volume deposit receipt is subjected to agency signature and then uploaded to a block chain; the first user resource account is a resource account opened by the first user in the first service mechanism;

and the block chain is used for receiving the transaction information, performing institution verification on the institution signature, storing the transaction information of the large deposit receipt if the verification is passed, and triggering an intelligent transfer contract to change the authorized person of the large deposit receipt from the first user to the second user.

According to the resource transfer system, the large-volume deposit list is issued and the deposit list selective purchasing operation request is received through the deposit list transaction platform, the second service mechanism server transfers the corresponding target resource to the first service mechanism according to the processing message corresponding to the operation request, the first service mechanism server transfers the target resource to the first user resource account according to the resource transfer information of the first service mechanism server and uploads the transaction information to the block chain, the block chain stores the information and changes the authorized person without complex identity verification, the efficiency of large-volume deposit list transaction is improved, the transaction information is processed and stored through the block chain, and the security of transaction is further improved.

In one embodiment, as shown in fig. 12, there is provided a resource transfer apparatus 1200, including:

an information receiving module 1201, configured to receive resource transfer information sent by a second service mechanism server; the resource transfer information is information that the second service mechanism server transfers the target resource in the second user resource account to the first service mechanism aiming at the large amount deposit list; the second user resource account is a resource account set by the second user in the second service mechanism;

the resource transfer module 1202 is configured to determine a large deposit receipt of the transaction according to the resource transfer information, obtain a first user resource account corresponding to the large deposit receipt, and transfer the target resource to the first user resource account; the first user resource account is a resource account set up by the first user in the first service organization, and the first user is a current licensee of the large deposit receipt;

the uplink module 1203 is configured to acquire the current transaction information for the large-volume deposit receipt, perform an institution signature on the current transaction information, and upload the current transaction information to the block chain; the transaction information at least comprises information of a large deposit list, target resources, a first user resource account for transferring resources into and a second user resource account for transferring resources out; and the blockchain is used for performing institution verification on the institution signature after receiving the transaction information, storing the transaction information of the large deposit receipt if the verification is passed, and triggering an intelligent transfer contract to change the authorized person of the large deposit receipt from the first user to the second user.

In one embodiment, the apparatus 1200 is further configured to generate a first service organization digital identity file; and uploading the first service organization digital identity file to a block chain after the first service organization digital identity file is subjected to organization signature, wherein the block chain is also used for verifying the organization signature according to the first service organization digital identity file.

In one embodiment, the apparatus 1200 further comprises: the release unit is used for acquiring the service information of the large-volume deposit list; after the service information is subjected to mechanism signature, uploading the service information to a block chain; the block chain is also used for carrying out institution verification on the institution signature after receiving the service information, storing the service information if the verification is passed, triggering and issuing an intelligent contract to generate a corresponding large deposit receipt digital certificate, and issuing the large deposit receipt to the deposit receipt transaction platform.

In one embodiment, the apparatus 1200 is further configured to receive a purchase request sent by the deposit receipt transaction platform; the purchase request is a purchase request of the first user for the large deposit bill, and the purchase request comprises purchase amount; determining a first user resource account according to the purchase request; transferring resources corresponding to the purchase amount from the first user resource account; the method comprises the steps of conducting mechanism signature on the purchase information of the large-amount deposit receipt, uploading the purchase information to a block chain, conducting mechanism verification on the mechanism signature after the block chain receives the purchase information, storing the purchase information after the verification is passed, and triggering purchase of an intelligent contract to change a right holder of the large-amount deposit receipt corresponding to the purchase information into a first user.

In one embodiment, the apparatus 1200 further comprises: the pledge unit is used for acquiring a pledge request of a pledge large-volume deposit list of a third user; the pledge request carries pledge information; the pledge information comprises third user information, a pledge deposit bill to be pledged, a certificate issuing business mechanism of the pledge deposit bill to be pledged and target pledge amount; sending a verification request corresponding to the pledge information to the block chain; the block chain is also used for checking the pledge information according to the prestored third user digital identity file, the digital identity file corresponding to the certificate issuing service mechanism and the digital certificate corresponding to the pledge to be pledged, and returning the check passing information if the check passes; receiving verification passing information returned by the block chain, generating pledge intention information and sending the pledge intention information to the certificate issuing service mechanism server; the certification service mechanism server is also used for receiving the pledge intention information, signing the pledge intention and sending the pledge intention information to the block chain; the pledge intention information at least comprises a pledge to be pledged, a third user and a first service organization digital identity file; the block chain is also used for carrying out mechanism verification on the pledge intention information, storing the pledge intention information after the verification is passed, and returning the signature information of the certificate issuing service mechanism to the first service mechanism server; receiving signature information of the certificate issuing service mechanism returned by the block chain, and transferring resources corresponding to the target pledge amount to a third user resource account; the third user resource account is a resource account set by the third user in the first service organization; obtaining the pledge resource transfer information, and uploading the pledge resource transfer information to a block chain after performing mechanism signature on the pledge resource transfer information; and the block chain is also used for carrying out pledge marking on the large-volume deposit list corresponding to the pledge information according to the pledge resource transfer information.

In one embodiment, the blockchain is further configured to generate a corresponding pledge-canceling intelligent contract according to the pledge resource transfer information; the pledge releasing intelligent contract is configured with corresponding preset repayment information as a contract trigger condition, and the pledge unit is further used for acquiring repayment information of a third user; the repayment information is uploaded to the block chain after being subjected to mechanism signature, the block chain is further used for carrying out mechanism verification on the mechanism signature after the repayment information is received, after the mechanism signature passes the verification, the repayment information is compared with preset repayment information, if the repayment information is matched with the preset repayment information, contract triggering conditions are met, the repayment information is stored, and the pledge intelligent contract is triggered to be relieved, so that pledge marks on the large-amount deposit receipt are relieved.

In one embodiment, the issuing unit is further configured to determine a current redemption amount of the large deposit receipt if it is detected that the large deposit receipt has expired; acquiring a resource account of a current obligee of the large deposit list, and transferring a resource corresponding to the cash amount to the resource account of the current obligee; acquiring the cashing information, signing the cashing information, uploading the signed cashing information to a block chain, wherein the block chain is also used for performing mechanism verification on the mechanism signature after receiving the cashing information, storing the cashing information after the verification is passed, and triggering a logout intelligent contract of the block chain to logout the large-volume deposit receipt.

For the specific limitation of the resource transfer apparatus, reference may be made to the above limitation on the resource transfer method, which is not described herein again. The modules in the resource transfer device can be wholly or partially implemented by software, hardware and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.

The resource transfer method provided by the present application may be applied to a computer device, where the computer device may be a server, and an internal structure diagram of the computer device may be as shown in fig. 13. The computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is used for storing the acquired user information, the large deposit receipt information and the transaction information. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a resource transfer method.

Those skilled in the art will appreciate that the architecture shown in fig. 13 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, a computer device is provided, comprising a memory and a processor, the memory having stored therein a computer program, the processor implementing the steps of the above-described method embodiments when executing the computer program.

In an embodiment, a computer-readable storage medium is provided, on which a computer program is stored which, when being executed by a processor, carries out the steps of the above-mentioned method embodiments.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database or other medium used in the embodiments provided herein can include at least one of non-volatile and volatile memory. Non-volatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical storage, or the like. Volatile Memory can include Random Access Memory (RAM) or external cache Memory. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others.

The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.

The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.

Claims

1. A resource transfer method is applied to a first service mechanism server, and the method comprises the following steps:

acquiring the transaction information of the current time aiming at the large-volume deposit receipt, performing organization signature on the transaction information of the current time and uploading the transaction information to a block chain; the transaction information at least comprises the information of the large deposit list, the target resource, the first user resource account transferred by the resource and the second user resource account transferred by the resource; and the block chain is used for performing institution verification on the institution signature after receiving the transaction information, storing the transaction information of the large deposit receipt if the verification is passed, and triggering an intelligent transfer contract to change the authorized person of the large deposit receipt from the first user to the second user.

2. The method of claim 1, further comprising:

generating a first service organization digital identity file;

3. The method of claim 1, further comprising:

acquiring service information of the large deposit list;

4. The method of claim 3, further comprising:

5. The method of claim 2, further comprising:

6. The method according to claim 5, wherein the block chain is further configured to generate a corresponding pledge-removal intelligent contract according to the pledge resource transfer information; the pledge-releasing intelligent contract is configured with corresponding preset repayment information as a contract trigger condition, and the method further comprises the following steps:

obtaining repayment information of the third user;

7. The method of claim 3, further comprising:

if the fact that the large deposit receipt is expired is detected, determining the current cash amount of the large deposit receipt;

8. A resource transfer system is characterized by comprising a first service mechanism server, a second service mechanism server, a deposit receipt transaction platform and a block chain, wherein,

9. A resource transfer apparatus, applied to a first service mechanism server, the apparatus comprising:

10. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor, when executing the computer program, implements the steps of the method of any of claims 1 to 7.

11. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.