CN112036887A

CN112036887A - Resource transfer method, device, equipment and storage medium

Info

Publication number: CN112036887A
Application number: CN201910482986.3A
Authority: CN
Inventors: 杨勇; 杨进京; 李凯; 晏琪; 陆斌; 张海玲
Original assignee: Beijing Sankuai Online Technology Co Ltd
Current assignee: Beijing Sankuai Online Technology Co Ltd
Priority date: 2019-06-04
Filing date: 2019-06-04
Publication date: 2020-12-04

Abstract

The application discloses a method, a device, equipment and a storage medium for resource transfer, and belongs to the technical field of internet. The method comprises the following steps: acquiring a resource transfer quantity based on a resource transfer request of a first resource account of a target object; determining the number of first resources to be locked in a second resource account of the target object according to the resource transfer number; locking the first resource to be locked in response to the number of the first resource to be locked not exceeding the reference number; responding to the locking success, and transferring a second resource in the resource account of the third party to the first resource account of the target object; and responding to the resource transfer result that the resource transfer is successful, unlocking the locked first resource, and transferring the unlocked first resource to a resource account of a third party. In the whole resource transfer process, even if the resource transfer period is long, the loss of additional resources can not be caused, the resource of the target object is ensured to be lossless, the effect of resource transfer is improved, and the user experience is improved.

Description

Resource transfer method, device, equipment and storage medium

Technical Field

The embodiment of the application relates to the technical field of internet, in particular to a method, a device, equipment and a storage medium for resource transfer.

Background

With the development of society and the continuous progress of science and technology, more and more resource transfer modes are provided. Resources between different accounts can be transferred to each other. For example, taking resources as an example, funds in a savings card account can be transferred to a credit card account for payment by credit card, and the like.

In the related technology, in the process of transferring the resource to the first resource account of the user by the third party, the resource of the second resource account of the user is transferred to the resource account of the third party, and then the resource in the resource account of the third party is transferred to the first resource account of the user. For example, in the process of paying a credit card by a third-party merchant, the fund of the user is redeemed, the redeemed fund is transferred to the account number of the third-party merchant, and then the fund in the account number of the third-party merchant is transferred to the credit card account number of the user.

In the course of implementing the present application, the inventors found that the related art has at least the following problems:

in the related technology, the resources of the second resource account of the user are transferred to the resource account of the third party, and then the resources in the resource account of the third party are transferred to the first resource account of the user. When the resource transfer period is long, the resource of the second resource account of the user is transferred to the resource account of the third party in advance, which may cause loss of part of the additional resources.

Disclosure of Invention

The embodiment of the application provides a method, a device, equipment and a storage medium for resource transfer, which can be used for solving the problems in the related art. The technical scheme is as follows:

in one aspect, an embodiment of the present application provides a method for resource transfer, where the method includes:

acquiring a resource transfer quantity based on a resource transfer request of a first resource account of a target object;

determining the number of first resources to be locked in a second resource account of the target object according to the resource transfer number;

locking the first resource to be locked in response to the number of the first resource to be locked not exceeding a reference number, the first resource to be locked being capable of generating additional resources but not being transferable;

responding to successful locking, and transferring a second resource in a resource account of a third party to a first resource account of the target object, wherein the quantity of the second resource corresponds to the quantity of the first resource;

and in response to the resource transfer result being that the resource transfer is successful, unlocking the locked first resource, and transferring the unlocked first resource to the resource account of the third party.

Optionally, after the transferring the second resource in the resource account of the third party to the first resource account of the target object, the method further includes:

and in response to the resource transfer failure being the resource transfer failure, unlocking the locked first resource when the number of times of the resource transfer failure exceeds a threshold range.

and in response to the resource transfer result being a resource transfer failure, when the number of times of the resource transfer failure does not exceed a threshold value, continuing to transfer the second resource in the resource account of the third party to the first resource account of the target object until the resource transfer result is a resource transfer success or the number of times of the resource transfer failure exceeds the threshold value.

Optionally, the unlocking the locked first resource includes:

the state of the locked first resource is restored to a state in which additional resources can be generated and can be transferred.

Optionally, the transferring the second resource in the resource account of the third party to the first resource account of the target object includes:

and transferring a second resource in the resource account of the third party to a transfer platform, wherein the transfer platform is used for transferring the second resource in the resource account of the third party to the first resource account of the target object.

Optionally, before the obtaining the resource transfer amount, the resource transfer request based on the first resource account of the target object further includes:

performing identity verification based on a resource transfer request of a resource account of a target object, wherein the resource transfer request comprises identity verification information;

responding to the identity authentication passing, and displaying a list of the resource account of the target object;

and responding to the first resource account of the target object in the list of the resource accounts of the target object, and acquiring a resource transfer request of the first resource account of the target object based on a selected instruction of the first resource account of the target object.

and responding to the situation that the first resource account of the target object is not in the list of the resource accounts of the target object, displaying a resource account binding interface, acquiring the information of the first resource account of the target object in the resource account binding interface, and acquiring a resource transfer request of the first resource account of the target object based on the information of the first resource account of the target object.

Optionally, the obtaining the resource transfer amount based on the resource transfer request of the first resource account of the target object includes:

displaying a resource transfer quantity input interface based on a resource transfer request of a first resource account of a target object;

and acquiring the input resource transfer quantity on the resource transfer quantity input interface.

In another aspect, an apparatus for resource transfer is provided, the apparatus including:

the acquisition module is used for acquiring the resource transfer quantity based on the resource transfer request of the first resource account of the target object;

the determining module is used for determining the number of the first resources to be locked in the second resource account of the target object according to the resource transfer number;

a locking module for locking the first resource to be locked in response to the number of the first resource to be locked not exceeding a reference number, the locked first resource being capable of generating additional resources but not being transferable;

the first transfer module is used for transferring a second resource in the resource account of a third party to the first resource account of the target object in response to successful locking, wherein the quantity of the second resource corresponds to the quantity of the first resource;

the unlocking module is used for responding to the resource transfer result that the resource transfer is successful and unlocking the locked first resource;

and the second transfer module is used for transferring the unlocked first resource to the resource account of the third party.

Optionally, the unlocking module is further configured to, in response to the resource transfer result being a resource transfer failure, unlock the locked first resource when the number of times of the resource transfer failure exceeds a threshold range.

Optionally, the first transferring module is further configured to, in response to the resource transfer result being a resource transfer failure, when the number of times of the resource transfer failure does not exceed a threshold, continue to transfer the second resource in the resource account of the third party to the first resource account of the target object until the resource transfer result is a resource transfer success or the number of times of the resource transfer failure exceeds the threshold.

Optionally, the unlocking module is configured to restore the state of the locked first resource to a state in which an additional resource can be generated and can be transferred.

Optionally, the first transfer module is configured to transfer a second resource in a resource account of a third party to a transfer platform, where the transfer platform is configured to transfer the second resource in the resource account of the third party to the first resource account of the target object.

Optionally, the apparatus further comprises:

the verification module is used for performing identity verification based on a resource transfer request of a resource account of a target object, wherein the resource transfer request comprises identity verification information;

the first display module is used for responding to the passing of the identity authentication and displaying a list of the resource account of the target object;

the obtaining module is used for responding to a first resource account of a target object in the list of resource accounts of the target object and obtaining a resource transfer request of the first resource account of the target object based on a selected instruction of the first resource account of the target object.

Optionally, the obtaining module is configured to display a resource account binding interface in response to that the first resource account of the target object is not in the list of resource accounts of the target object, obtain information of the first resource account of the target object in the resource account binding interface, and obtain the resource transfer request of the first resource account of the target object based on the information of the first resource account of the target object.

Optionally, the apparatus further comprises:

the second display module is used for displaying a resource transfer quantity input interface based on the resource transfer request of the first resource account of the target object;

the acquisition module is used for acquiring the input resource transfer quantity on the resource transfer quantity input interface.

In another aspect, a computer device is provided, the computer device comprising a processor and a memory, the memory having stored therein at least one instruction, which when executed by the processor, implements any of the above-described methods of resource transfer.

In another aspect, a computer-readable storage medium is provided, in which at least one instruction is stored, and when executed, the at least one instruction implements any of the above methods for resource transfer.

The technical scheme provided by the embodiment of the application at least has the following beneficial effects:

the first resource in the second resource account of the target object is locked, and the first resource can continue to generate additional resources during the locked period. And after the second resource in the resource account of the third party is successfully transferred to the first resource account of the target object, unlocking the first resource in the second resource account of the target object and transferring the first resource to the resource account of the third party. In the whole resource transferring process, even if the resource transferring period is long, the loss of additional resources can not be caused, the resources of the target object can be ensured to be lossless, the resource transferring effect is improved, and the user experience is improved.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, 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 illustration of an implementation environment provided by an embodiment of the present application;

FIG. 2 is a flowchart of a method for resource transfer according to an embodiment of the present application;

fig. 3 is an interface schematic diagram of a resource transfer request for acquiring a first resource account of a target object according to an embodiment of the present disclosure;

fig. 4 is an interface schematic diagram of a resource transfer request for acquiring a first resource account of a target object according to an embodiment of the present disclosure;

FIG. 5 is a schematic diagram of an interface for obtaining a resource transfer amount according to an embodiment of the present disclosure;

FIG. 6 is a schematic diagram of a resource transfer process provided by an embodiment of the present application;

FIG. 7 is a schematic diagram of a resource transfer process provided by an embodiment of the present application;

FIG. 8 is a diagram illustrating an apparatus for resource transfer according to an embodiment of the present application;

FIG. 9 is a diagram illustrating an apparatus for resource transfer according to an embodiment of the present application;

FIG. 10 is a diagram illustrating an apparatus for resource transfer according to an embodiment of the present application;

fig. 11 is a schematic structural diagram of a resource transfer device according to an embodiment of the present application.

Detailed Description

To make the objects, technical solutions and advantages of the present application more clear, embodiments of the present application will be described in further detail below with reference to the accompanying drawings.

With the development of society and the continuous progress of science and technology, more and more resource transfer modes are provided. Resources between different accounts can be transferred to each other.

In view of the above, an embodiment of the present application provides a method for resource transfer, please refer to fig. 1, which shows a schematic diagram of an implementation environment of the method provided in the embodiment of the present application. The implementation environment may include: a terminal 11 and a server 12.

The terminal 11 is installed with an application program or a web page capable of transferring resources, so that when the application program or the web page transfers resources between the resource account of the target object and the resource account of the third party, the application program or the web page can be transferred by using the method provided by the embodiment of the present application. The terminal 11 may obtain the authentication information of the target object, the resource account information of the target object, and the resource account information of the third party, and then send the obtained information to the server 12 for storage. Of course, the terminal 11 may also store the authentication information of the target object, the resource account information of the target object, and the resource account information of the third party.

Alternatively, the terminal 11 may be any electronic product capable of performing human-Computer interaction with a user through one or more modes of a keyboard, a touch pad, a touch screen, a remote controller, voice interaction or handwriting equipment, such as a PC (Personal Computer), a mobile phone, a smart phone, a PDA (Personal Digital Assistant), a wearable device, a pocket PC (pocket PC), a tablet Computer, a smart car, a smart television, a smart speaker, and the like. The server 12 may be a server, a server cluster composed of a plurality of servers, or a cloud computing service center. The terminal 11 establishes a communication connection with the server 12 through a wired or wireless network.

It should be understood by those skilled in the art that the above-mentioned terminal 11 and server 12 are only examples, and other existing or future terminals or servers may be suitable for the present application and are included within the scope of the present application and are herein incorporated by reference.

Based on the implementation environment shown in fig. 1, an embodiment of the present application provides a method for resource transfer, which is applied to a resource transfer application program of a terminal as an example. As shown in fig. 2, the method provided by the embodiment of the present application may include the following steps:

in step 201, a resource transfer amount is obtained based on a resource transfer request of a first resource account of a target object.

The resource transfer application refers to an application capable of transferring resources, in which transfer between resources of different resource accounts can be achieved, for example, resources of a resource account of a target object can be transferred to a resource account of a third party, and resources of a resource account of a third party can also be transferred to a resource account of a target object. The resource account of the third party refers to a resource account of a non-target object, and may be a resource account of the resource transfer application program itself, or may be another resource account having a binding relationship with the resource transfer application program. The resource account refers to an account for managing resources, for example, when the resource is fund, the resource account is an account for managing the fund, such as a credit card account, a fund account, and the like. In the embodiment of the application, the target object has at least two resource account numbers, wherein a first resource account number of the target object refers to a resource account number needing to be transferred into a resource, and a second resource account number of the target object refers to a resource account number capable of transferring out the resource. For example, taking a resource as an example, for the same target object, the first resource account number may be a credit card account number of the target object to be paid, and the second resource account number may be a fund account number of the target object, which is capable of redeeming funds belonging to the fund account number and then transferring the redeemed funds from the fund account number to other fund account numbers.

When the first resource account of the target object needs to be transferred into the resource, the target object sends a resource transfer request of the first resource account to the resource transfer application program, and the resource transfer application program acquires the resource transfer request of the first resource account of the target object. Optionally, the manner of obtaining the resource transfer request of the first resource account of the target object includes, but is not limited to, the following two manners:

the first method is as follows: performing identity verification based on a resource transfer request of a resource account of the target object, wherein the resource transfer request comprises identity verification information; responding to the identity authentication, and displaying a list of the resource account of the target object; and responding to the first resource account of the target object in the list of the resource accounts of the target object, and acquiring a resource transfer request of the first resource account of the target object based on a selection instruction of the first resource account of the target object.

For the same target object, there may be multiple resource accounts, and the target object may pre-bind some or all of the resource accounts in the resource transfer application. When a certain resource account of the target object needs to perform resource transfer, the target object sends a resource transfer request of the resource account, where the resource transfer request includes authentication information of the target object, for example, a name of the target object, an identity document number of the target object, a communication number of the target object, and the like. And the resource transfer application program carries out identity verification on the target object based on the identity verification information of the target object in the resource transfer request of the resource account of the target object. Optionally, the process of authenticating the target object includes, but is not limited to, verifying whether the name in the resource transfer request of the target object matches the identity document number, verifying whether the name in the resource transfer request of the target object matches the communication number, and the like.

When the identity authentication information of the target object is not matched, the identity authentication fails, and the target object identity authentication information can be prompted to be wrong. The embodiment of the application does not limit the prompting mode when the identity authentication fails. When the identity authentication information of the target object is matched, the identity authentication is passed, and at this time, a list of all resource account numbers bound by the target object in the resource transfer application program is displayed for the target object to select the first resource account number to be transferred to the resource, as shown in fig. 3. When the number of resource accounts is large, the list of the resource accounts can slide up and down, so that the target object can conveniently view all the resource accounts in the list. Optionally, an entry for selecting another resource account is displayed below the list of resource accounts, so that the target object selects another resource account not belonging to the list of resource accounts as the first resource account. For example, the "other resource account" shown in fig. 3 is taken as a portal for selecting other resource accounts.

When the resource account needing to be transferred into the resource is in the list of resource accounts, the target object can select the resource account, the resource account is used as a first resource account of the target object, and at the moment, the resource account application program obtains a selection instruction of the first resource account of the target object. Alternatively, the manner of selecting the resource account may be a single click, a double click, a long press, or the like. The resource transfer application program of the terminal can obtain the resource transfer request of the first resource account of the target object based on the selected instruction of the first resource account of the target object. For example, as shown in fig. 3, if a first resource account of a target object exists in the list of resource accounts of fig. 3, a resource transfer request of the first resource account of the target object may be obtained based on a selection instruction of the first resource account.

And when the resource account needing to be transferred into the resource is not in the list of the resource accounts, acquiring the resource transfer request of the first resource account of the target object according to the mode two.

The second method comprises the following steps: and responding to the situation that the first resource account of the target object is not in the list of the resource accounts of the target object, displaying a resource account binding interface, acquiring the information of the first resource account of the target object in the resource account binding interface, and acquiring a resource transfer request of the first resource account of the target object based on the information of the first resource account of the target object.

When the account number of the target object needing to be transferred into the resource is not in the list of the resource account numbers, the target object can trigger the selection of the entrance of other resource account numbers. For example, the target object clicks on "other resource account" in fig. 4 (1). At this time, a resource account binding interface is displayed in the resource transfer application program of the terminal, as shown in fig. 4(2), an information input box is displayed in the resource account binding interface, and the target object inputs information such as a name of a resource account to be transferred to the resource, a password of the resource account, and the like. The resource transfer application program obtains the information of the input resource account, and takes the input resource account as the first resource account of the target object. Optionally, the resource transfer application program verifies the acquired account information of the first resource account. And if the verification fails, prompting that the target object information is wrong, and clearing the information input box for re-inputting the target object. For example, when the verification fails, a prompt message "the resource account information is input incorrectly, please re-input" as shown in fig. 4(3) is displayed, and when the target object triggers the "confirm" option shown in fig. 4(3), the information input box shown in fig. 4(2) is displayed again. If the verification is successful, the resource transfer application program binds the first resource account of the target object according to the acquired information of the first resource account, so as to acquire a resource transfer request of the first resource account of the target object.

Optionally, after the first resource account of the target object is obtained, the first resource account of the target object and the authentication information of the target object are verified again. If the verification result is that the first resource account of the target object does not belong to the target object, the verification fails, and the target object is prompted to verify the information of the first resource account; and if the verification result is that the first resource account of the target object belongs to the target object, the verification is successful, and the subsequent operation is continuously executed.

And the resource transfer application program of the terminal acquires the resource transfer quantity based on the resource transfer request of the first resource account of the target object. The resource transfer quantity refers to the quantity of resources to be transferred to by the first resource account of the target object. For example, taking the resource as the fund, the first resource account as the credit card account, and the resource transfer amount as the amount to be paid of the target credit card, such as 5000 yuan. Optionally, the manner of obtaining the resource transfer amount includes, but is not limited to, the following two ways:

mode 1: the resource transfer request of the first resource account of the target object comprises the resource transfer quantity, and the resource transfer quantity can be directly obtained according to the resource transfer request of the first resource account of the target object.

Mode 2: displaying a resource transfer quantity input interface based on a resource transfer request of a first resource account of a target object; and acquiring the input resource transfer quantity on a resource transfer quantity input interface.

And after the resource transfer request of the first resource account of the target object is acquired, displaying a resource transfer quantity input interface. The resource transfer input interface may be as shown in fig. 5 (1). And the target object inputs the resource transfer quantity on the resource transfer input interface, so that the resource transfer application program acquires the input resource transfer quantity.

In step 202, the number of the first resource to be locked in the second resource account of the target object is determined according to the resource transfer number.

The second resource account of the target object refers to a resource account capable of transferring out the resource. The source of the second resource account of the target object is not limited in the embodiment of the present application. For example, the second resource account of the target object may be a resource account having a fixed association relationship with the first resource account of the target object, may also be a resource account selected by the target object in the list of resource accounts, and may also be a resource account input by the target object. It should be noted that, in a normal state, the resource in the second resource account of the target object can generate an additional resource and can be transferred. For example, a fund in a fund account can generate revenue and can be redeemed, taking as an example the fund account targeted to the target object's second resource account.

After the resource transfer quantity is obtained, the quantity of the first resources to be locked, corresponding to the resource transfer quantity, in the second resource account of the target object is determined according to the resource transfer quantity. The first resource refers to a resource in the second resource account of the target object. Since the resource transfer amount refers to the amount of resources to be transferred to by the first resource account of the target object, the manner of determining the amount of the first resource to be locked according to the resource transfer amount includes, but is not limited to, the following two manners:

when the form of the resource to be transferred in the first resource account of the target object is the same as the form of the first resource, the number of the first resource to be locked is the same as the resource transfer number.

When the form of the resource to be transferred into the first resource account of the target object is different from the form of the first resource, the form of the resource to be transferred into the first resource account may be converted into the form identical to the form of the first resource, and then the quantity of the first resource may be determined according to the resource corresponding to the quantity of transferred resources. For example, when the form of the resource to be transferred in the first resource account of the target object is fund, and the form of the first resource is fund, the resource transfer amount refers to the fund transfer amount, the unit amount of the fund may be converted into a share of the fund, then the corresponding share of the fund is determined according to the fund transfer amount, and the share of the fund is used as the amount of the first resource to be locked.

In step 203, the first resource to be locked is locked in response to the number of the first resource to be locked not exceeding the reference number, the locked first resource being capable of generating additional resources but not being transferred.

After determining the number of first resources to be locked in the second resource account, determining whether the number of first resources to be locked exceeds a reference number. The reference number may be set according to the total resource number in the second resource account, for example, the reference number may be the total resource number in the second resource account, or may be 80% of the total resource number in the second resource account.

When the number of the first resources to be locked exceeds the reference number, the resource transfer application program prompts that the number of the resources in the second resource account of the target object is insufficient. For example, as shown in fig. 5(2), a popup window is presented, and the content in the popup window is "the resource amount is insufficient". When the time of the prompt information exceeds the reference time or when the target object triggers the "determine" option in fig. 5(2), the resource transfer quantity input interface shown in fig. 5(1) may be returned, or the first interface of the resource transfer application program may be returned, which is not limited in the embodiment of the present application. The reference time may be set empirically, such as 5 seconds, etc.

And locking the first resource to be locked when the number of the first resource to be locked does not exceed the reference number. The result of locking the first resource to be locked may be a successful lock or a failed lock. Optionally, when the locking result is a locking failure, the target object is prompted to fail to lock, and the first resource is still in a state to be locked, that is, in a state capable of generating additional accessory resources and being transferred. When the locking result is that the lock is successfully locked, the first resource is in a locked state, and the locked first resource can continue to generate additional resources but cannot be transferred. For example, in the case of a fund that is a first resource, the fund is able to generate revenue and be redeemed to other funding accounts when in a locked state, and the fund is still able to continue to generate revenue but is not redeemed to other funding accounts when in a locked state.

In step 204, in response to the successful locking, transferring a second resource in the resource account of the third party to the first resource account of the target object, where the number of the second resource corresponds to the number of the first resource.

And after the first resource is successfully locked, determining the quantity of the second resource in the resource account of the third party according to the quantity of the first resource. The number of second resources corresponds to the number of first resources. When the form of the second resource is the same as the form of the first resource, the number of the second resource is the same as the number of the first resource; when the form of the second resource is different from the form of the first resource, the form of the first resource may be converted into the form identical to the form of the second resource, and then the number of the second resource is determined according to the resource corresponding to the number of the first resource. For example, when the second resource is in the form of fund and the first resource is in the form of fund, the amount of the first resource refers to the share of the fund, the share of the fund per unit may be converted into the amount of the fund, and then the corresponding amount of the fund is determined according to the share of the fund, and the amount of the fund is used as the amount of the second resource. The resource account of the third party may be a resource account of the resource transfer application program itself, or may be another resource account having a binding relationship with the resource transfer application program.

And after the quantity of the second resources in the resource account of the third party is determined according to the quantity of the locked first resources, transferring the second resources in the resource account of the third party to the first resource account of the target object. For example, taking the first resource account of the target object as a credit card account, the second resource account of the target object as a fund account, and the resource account of the third party as a fund account, the fund of the third party is transferred to the credit card account of the target object, and this process is equivalent to that the third party replaces the target object to pay for the credit card. In the process, the locked fund in the fund account number of the target object can play a role in providing fund guarantee.

Optionally, transferring the second resource in the resource account of the third party to the first resource account of the target object includes: and transferring the second resource in the resource account of the third party to a transfer platform, wherein the transfer platform is used for transferring the second resource in the resource account of the third party to the first resource account of the target object.

And adding a transfer platform in the process of transferring the second resource in the resource account of the third party to the first resource account of the target object. First, transferring a second resource in the resource account of the third party to a transfer platform, and then transferring the second resource in the resource account of the third party to the first resource account of the target object by the transfer platform. For example, taking a resource account of a third party as a capital account and a first resource account of a target object as a credit card account as an example, the transfer platform may be a union pay electronic, which refers to a platform for providing bank card payment and capital settlement services for various merchants and users by relying on a nationwide unified inter-bank information exchange network of the union pay of China. In the process of repayment of the credit card by the third party instead of the target object, the funds in the fund account number of the third party are paid to the Unionpay electron, and then the funds are paid to the credit card account number of the target object by the Unionpay electron, wherein the credit card account number refers to the account number of the credit card in the card-opening bank. The transfer platform is added, so that the path of resource transfer can be shortened, and the success rate of resource transfer is improved.

Optionally, the transfer result of transferring the second resource in the resource account of the third party to the first resource account of the target object includes, but is not limited to, the following three types:

the result is as follows: the resource transfer result is a resource transfer failure, and the frequency of the resource transfer failure does not exceed a threshold value.

And when the resource transfer is interrupted or abnormal, the resource transfer result is the failure of the resource transfer. The reason for the interruption of resource transfer or the abnormality of resource transfer may be a network failure or a system failure, or may be other factors, which is not limited in the embodiment of the present application. And when the resource transfer fails, judging the number of times of the resource transfer failure, if the number of times of the resource transfer failure does not exceed a threshold value, continuing to perform the operation of transferring the second resource in the resource account of the third party to the first resource account of the target object until the resource transfer result is that the resource transfer is successful or the number of times of the resource transfer failure exceeds the threshold value. The threshold value may be set empirically, for example, 3 times, or may be freely adjusted according to an application scenario.

And a second result: and the resource transfer result is a resource transfer failure, and the frequency of the resource transfer failure exceeds a threshold value. With this result, the locked first resource is unlocked. At this time, the first resource is still in the second resource account of the target object, and the first resource after being unlocked can generate additional resources and can be transferred. Taking the first resource as the fund as an example, the fund after being unlocked can generate income and can be redeemed and transferred to other fund accounts. Optionally, the operation of unlocking the first resource fails for a plurality of times, and the first resource is manually unlocked after manual processing.

And a third result: and the resource transfer result is that the resource transfer is successful.

When the second resource in the resource account of the third party is successfully transferred to the first resource account of the target object, the first resource account of the target object obtains the second resource, but the second resource is lost in the resource account of the third party. In this case, step 205 is performed.

In step 205, in response to that the resource transfer result is that the resource transfer is successful, the locked first resource is unlocked, and the unlocked first resource is transferred to the resource account of the third party.

And when the resource transfer result is that the resource transfer is successful, unlocking the locked first resource, and then transferring the unlocked first resource to a resource account of a third party. This process amounts to compensating for the lost second resource in the third party resource account with the first resource in the second resource account of the target object. As shown in fig. 6, in the whole resource transfer process, on the premise that the first resource of the second resource account of the target object is locked, the second resource in the resource account of the third party is transferred to the first resource account of the target object, and after the transfer is successful, the first resource of the second resource account of the target object is unlocked and transferred to the resource account of the third party.

In the related technology, in the process of transferring resources, first resources in a second resource account of a target object are transferred to a resource account of a third party, and then second resources corresponding to the first resources in the resource account of the third party are transferred to the first resource account of the target object. After the first resource is transferred to the resource account of the third party, the first resource cannot generate additional accessory resources, so that when the resource transfer period is long, part of the additional resources are lost. In the embodiment of the application, the first resource of the second resource account of the target object is locked, and after the second resource in the third-party resource account is successfully transferred to the first resource account of the target object, the first resource of the second resource account of the target object is unlocked and transferred to the account of the third-party resource. Since the first resource can continue to generate additional resources during the locked period, the resource of the target object is not lost even if the period of resource transfer is long.

In addition, in the related art, if the transfer of the second resource in the resource account of the third party to the first resource account of the target object fails, the third party has acquired the second resource transferred by the second resource account of the target object, so that the second resource needs to be returned, even manual intervention may be required, and the processing flow of the transfer failure is complex. In the method provided by the embodiment of the application, if the transfer of the second resource of the third party to the first resource account of the target object fails, only the locked first resource needs to be unlocked, and the processing flow of the transfer failure is simple.

For ease of understanding, a specific resource transfer application scenario is described as an example, and the resource transfer process may be as shown in fig. 7. The resource transfer scenario shown in fig. 7 is a scenario in which the target object transfers a credit card with funds based on a third-party merchant platform. In the scene, the first resource account number of the target object is the credit card account number of the target object; the second resource account of the target object is a fund account of the target object; the resource account of the third party is the fund account of the third party merchant platform; the resource transfer amount is the amount of money to be paid by the credit card of the target object; the first resource of the second resource account of the target object is a fund with a certain share corresponding to the amount to be paid of the credit card; and the second resource of the third-party resource account is the fund corresponding to the amount to be paid by the credit card.

In the scenario shown in fig. 7, three main bodies, namely a target object, a third-party merchant platform and a bank, are involved. The third party merchant platform may refer to an application that interfaces to different third party fund companies, the third party merchant platform having fund services, card services, and a fund payment system. The fund service refers to services related to fund, such as product introduction, fund purchase, fund recommendation, fund management and the like of the fund; the card service is the service of managing the credit card bound by the target object on the third-party merchant platform; the fund payment system is a system capable of realizing transfer of a credit card by fund. The premise for this scenario implementation is that the target object purchases a share of funds at the third party merchant platform. The following specifically describes a resource transfer process based on the application scenario shown in fig. 7.

Firstly, a fund-to-credit card request is initiated by a target object, the request comprises identity verification information of the target object, and a fund repayment system in a third-party merchant platform verifies the identity of the target object. And after the identity authentication is successful, the card service of the third-party merchant platform acquires a credit card list corresponding to the identity authentication information of the target object and displays the credit card list. If the credit card to be paid is in the list, the third-party merchant platform jumps to a payment amount input page to acquire a payment amount based on a selection instruction of the target object to the credit card to be paid; and if the credit card to be paid is not in the list, the third-party merchant platform jumps to a payment amount input page to acquire the payment amount based on the related information of the credit card to be paid, which is input in the information input box by the target object. Optionally, after determining the credit card to be paid, the fund payment system performs secondary verification on the card number of the credit card to be paid and the name of the target object. After the verification is successful, the third-party merchant platform determines the share of the fund to be locked corresponding to the repayment amount according to the obtained repayment amount, then the fund with the instruction share is locked, and the fund can not be redeemed but still can generate income during the locking period. And after the locking is successful, the fund repayment system of the third-party merchant platform utilizes the funds of the third-party merchant platform to carry out the substitute repayment operation. And the fund repayment system sends a repayment request to a card-opening bank of the credit card of the target object, and then polls to send a repayment result inquiry request to the bank and waits. And if the repayment result returned by the bank is that the repayment is successful, the third-party merchant platform unlocks the locked fund and carries out redemption and payment processing, a fund repayment system of the third-party merchant platform collects money, and the redeemed fund is placed in a fund account of the third-party merchant platform. And if the payment result returned by the bank is that the payment is failed, the third-party merchant platform unlocks the locked fund, and the fund after unlocking still belongs to the target object. And finally, the third-party merchant platform informs the target object of the repayment result, namely whether the fund transfer to the credit card of the target object is successful or not.

In the embodiment of the application, the first resource in the second resource account of the target object is locked, and during the locked period, the first resource can continue to generate additional resources. And after the second resource in the resource account of the third party is successfully transferred to the first resource account of the target object, unlocking the first resource in the second resource account of the target object and transferring the first resource to the resource account of the third party. In the whole resource transferring process, even if the resource transferring period is long, the loss of additional resources can not be caused, the resources of the target object can be ensured to be lossless, the resource transferring effect is improved, and the user experience is improved.

Based on the same technical concept, referring to fig. 8, an embodiment of the present application provides an apparatus for resource transfer, including:

an obtaining module 801, configured to obtain a resource transfer amount based on a resource transfer request of a first resource account of a target object;

a determining module 802, configured to determine, according to the resource transfer amount, an amount of a first resource to be locked in a second resource account of the target object;

a locking module 803 for locking the first resource to be locked in response to the number of the first resource to be locked not exceeding the reference number, the locked first resource being capable of generating additional resources but not being transferable;

a first transfer module 804, configured to, in response to successful locking, transfer a second resource in the resource account of the third party to a first resource account of the target object, where a quantity of the second resource corresponds to a quantity of the first resource;

an unlocking module 805, configured to unlock the locked first resource in response to the resource transfer result being that the resource transfer is successful;

a second transferring module 806, configured to transfer the unlocked first resource to a resource account of a third party.

Optionally, the unlocking module 805 is further configured to, in response to the resource transfer result being a resource transfer failure, unlock the locked first resource when the number of times of the resource transfer failure exceeds a threshold range.

Optionally, the first transfer module 804 is further configured to, in response to the resource transfer result being a resource transfer failure, when the number of times of the resource transfer failure does not exceed a threshold, continue to transfer the second resource in the resource account of the third party to the first resource account of the target object until the resource transfer result is a resource transfer success or the number of times of the resource transfer failure exceeds the threshold.

Optionally, an unlocking module 805 for restoring the state of the locked first resource to a state that can generate additional resources and that can be transferred.

Optionally, the first transfer module 804 is configured to transfer the second resource in the resource account of the third party to a transfer platform, where the transfer platform is configured to transfer the second resource in the resource account of the third party to the first resource account of the target object.

Optionally, referring to fig. 9, the apparatus further comprises:

the verification module 807 is configured to perform identity verification based on a resource transfer request of the resource account of the target object, where the resource transfer request includes identity verification information;

a first display module 808, configured to display a list of resource accounts of the target object in response to passing of the identity authentication;

the obtaining module 801 is configured to, in response to that the first resource account of the target object is in the list of resource accounts of the target object, obtain a resource transfer request of the first resource account of the target object based on a selected instruction of the first resource account of the target object.

Optionally, the obtaining module 801 is configured to, in response to that the first resource account of the target object is not in the list of resource accounts of the target object, display a resource account binding interface, obtain information of the first resource account of the target object in the resource account binding interface, and obtain a resource transfer request of the first resource account of the target object based on the information of the first resource account of the target object.

Optionally, referring to fig. 10, the apparatus further comprises:

the second display module 809 is configured to display a resource transfer quantity input interface based on the resource transfer request of the first resource account of the target object;

an obtaining module 801, configured to obtain the input resource transfer amount on the resource transfer amount input interface.

It should be noted that, when the apparatus provided in the foregoing embodiment implements the functions thereof, only the division of the functional modules is illustrated, and in practical applications, the functions may be distributed by different functional modules according to needs, that is, the internal structure of the apparatus may be divided into different functional modules to implement all or part of the functions described above. In addition, the apparatus and method embodiments provided by the above 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. 11 is a schematic structural diagram of a resource transfer device according to an embodiment of the present application. The device may be a terminal, and may be, for example: a smart phone, a tablet computer, an MP3 player (Moving Picture Experts Group Audio Layer III, motion video Experts compression standard Audio Layer 3), an MP4 player (Moving Picture Experts Group Audio Layer IV, motion video Experts compression standard Audio Layer 4), a notebook computer, or a desktop computer. A terminal may also be referred to by other names such as user equipment, portable terminal, laptop terminal, desktop terminal, etc.

Generally, a terminal includes: a processor 1101 and a memory 1102.

Processor 1101 may include one or more processing cores, such as a 4-core processor, an 8-core processor, or the like. The processor 1101 may be implemented in at least one hardware form of a DSP (Digital Signal Processing), an FPGA (Field-Programmable Gate Array), and a PLA (Programmable Logic Array). The processor 1101 may also include a main processor and a coprocessor, where the main processor is a processor for Processing data in an awake state, and is also called a Central Processing Unit (CPU); a coprocessor is a low power processor for processing data in a standby state. In some embodiments, the processor 1101 may be integrated with a GPU (Graphics Processing Unit) that is responsible for rendering and rendering content that the display screen needs to display. In some embodiments, the processor 1101 may further include an AI (Artificial Intelligence) processor for processing computing operations related to machine learning.

Memory 1102 may include one or more computer-readable storage media, which may be non-transitory. Memory 1102 can also include high-speed random access memory, as well as non-volatile memory, such as one or more magnetic disk storage devices, flash memory storage devices. In some embodiments, a non-transitory computer readable storage medium in memory 1102 is used to store at least one instruction for execution by processor 1101 to implement the method of resource transfer provided by the method embodiments of the present application.

In some embodiments, the terminal may further include: a peripheral interface 1103 and at least one peripheral. The processor 1101, memory 1102 and peripheral interface 1103 may be connected by a bus or signal lines. Various peripheral devices may be connected to the peripheral interface 1103 by buses, signal lines, or circuit boards. Specifically, the peripheral device includes: at least one of radio frequency circuitry 1104, touch screen display 1105, camera assembly 1106, audio circuitry 1107, positioning assembly 1108, and power supply 1109.

The peripheral interface 1103 may be used to connect at least one peripheral associated with I/O (Input/Output) to the processor 1101 and the memory 1102. In some embodiments, the processor 1101, memory 1102, and peripheral interface 1103 are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor 1101, the memory 1102 and the peripheral device interface 1103 may be implemented on separate chips or circuit boards, which is not limited by this embodiment.

The Radio Frequency circuit 1104 is used to receive and transmit RF (Radio Frequency) signals, also called electromagnetic signals. The radio frequency circuit 1104 communicates with communication networks and other communication devices via electromagnetic signals. The radio frequency circuit 1104 converts an electric signal into an electromagnetic signal to transmit, or converts a received electromagnetic signal into an electric signal. Optionally, the radio frequency circuit 1104 includes: an antenna system, an RF transceiver, one or more amplifiers, a tuner, an oscillator, a digital signal processor, a codec chipset, a subscriber identity module card, and so forth. The radio frequency circuit 1104 may communicate with other terminals via at least one wireless communication protocol. The wireless communication protocols include, but are not limited to: metropolitan area networks, various generation mobile communication networks (2G, 3G, 4G, and 5G), Wireless local area networks, and/or WiFi (Wireless Fidelity) networks. In some embodiments, the rf circuit 1104 may further include NFC (Near Field Communication) related circuits, which are not limited in this application.

The display screen 1105 is used to display a UI (User Interface). The UI may include graphics, text, icons, video, and any combination thereof. When the display screen 1105 is a touch display screen, the display screen 1105 also has the ability to capture touch signals on or over the surface of the display screen 1105. The touch signal may be input to the processor 1101 as a control signal for processing. At this point, the display screen 1105 may also be used to provide virtual buttons and/or a virtual keyboard, also referred to as soft buttons and/or a soft keyboard. In some embodiments, the display screen 1105 may be one, disposed on the front panel of the terminal; in other embodiments, the display screens 1105 may be at least two, respectively disposed on different surfaces of the terminal or in a folded design; in still other embodiments, the display 1105 may be a flexible display disposed on a curved surface or on a folded surface of the terminal. Even further, the display screen 1105 may be arranged in a non-rectangular irregular pattern, i.e., a shaped screen. The Display screen 1105 may be made of LCD (Liquid Crystal Display), OLED (Organic Light-Emitting Diode), and the like.

Camera assembly 1106 is used to capture images or video. Optionally, camera assembly 1106 includes a front camera and a rear camera. Generally, a front camera is disposed at a front panel of the terminal, and a rear camera is disposed at a rear surface of the terminal. In some embodiments, the number of the rear cameras is at least two, and each rear camera is any one of a main camera, a depth-of-field camera, a wide-angle camera and a telephoto camera, so that the main camera and the depth-of-field camera are fused to realize a background blurring function, and the main camera and the wide-angle camera are fused to realize panoramic shooting and VR (Virtual Reality) shooting functions or other fusion shooting functions. In some embodiments, camera assembly 1106 may also include a flash. The flash lamp can be a monochrome temperature flash lamp or a bicolor temperature flash lamp. The double-color-temperature flash lamp is a combination of a warm-light flash lamp and a cold-light flash lamp, and can be used for light compensation at different color temperatures.

The audio circuitry 1107 may include a microphone and a speaker. The microphone is used for collecting sound waves of a user and the environment, converting the sound waves into electric signals, and inputting the electric signals to the processor 1101 for processing or inputting the electric signals to the radio frequency circuit 1104 to achieve voice communication. For the purpose of stereo sound collection or noise reduction, a plurality of microphones can be arranged at different parts of the terminal respectively. The microphone may also be an array microphone or an omni-directional pick-up microphone. The speaker is used to convert electrical signals from the processor 1101 or the radio frequency circuit 1104 into sound waves. The loudspeaker can be a traditional film loudspeaker or a piezoelectric ceramic loudspeaker. When the speaker is a piezoelectric ceramic speaker, the speaker can be used for purposes such as converting an electric signal into a sound wave audible to a human being, or converting an electric signal into a sound wave inaudible to a human being to measure a distance. In some embodiments, the audio circuitry 1107 may also include a headphone jack.

The positioning component 1108 is used to locate the current geographic Location of the terminal to implement navigation or LBS (Location Based Service). The Positioning component 1108 may be a Positioning component based on the united states GPS (Global Positioning System), the chinese beidou System, the russian graves System, or the european union galileo System.

The power supply 1109 is used to supply power to the various components in the terminal. The power supply 1109 may be alternating current, direct current, disposable or rechargeable. When the power supply 1109 includes a rechargeable battery, the rechargeable battery may support wired or wireless charging. The rechargeable battery may also be used to support fast charge technology.

In some embodiments, the terminal also includes one or more sensors 1110. The one or more sensors 1110 include, but are not limited to: acceleration sensor 1111, gyro sensor 1112, pressure sensor 1113, fingerprint sensor 1114, optical sensor 1115, and proximity sensor 1116.

The acceleration sensor 1111 may detect the magnitude of acceleration on three coordinate axes of a coordinate system established with the terminal. For example, the acceleration sensor 1111 may be configured to detect components of the gravitational acceleration in three coordinate axes. The processor 1101 may control the touch display screen 1105 to display a user interface in a landscape view or a portrait view according to the gravitational acceleration signal collected by the acceleration sensor 1111. The acceleration sensor 1111 may also be used for acquisition of motion data of a game or a user.

The gyro sensor 1112 may detect a body direction and a rotation angle of the terminal, and the gyro sensor 1112 may cooperate with the acceleration sensor 1111 to acquire a 3D motion of the user with respect to the terminal. From the data collected by gyroscope sensor 1112, processor 1101 may implement the following functions: motion sensing (such as changing the UI according to a user's tilting operation), image stabilization at the time of photographing, game control, and inertial navigation.

The pressure sensor 1113 may be disposed on the side bezel of the terminal and/or on the lower layer of the touch display screen 1105. When the pressure sensor 1113 is arranged on the side frame of the terminal, a holding signal of a user to the terminal can be detected, and the processor 1101 performs left-right hand identification or shortcut operation according to the holding signal collected by the pressure sensor 1113. When the pressure sensor 1113 is disposed at the lower layer of the touch display screen 1105, the processor 1101 controls the operability control on the UI interface according to the pressure operation of the user on the touch display screen 1105. The operability control comprises at least one of a button control, a scroll bar control, an icon control and a menu control.

The fingerprint sensor 1114 is configured to collect a fingerprint of the user, and the processor 1101 identifies the user according to the fingerprint collected by the fingerprint sensor 1114, or the fingerprint sensor 1114 identifies the user according to the collected fingerprint. Upon recognizing that the user's identity is a trusted identity, the user is authorized by the processor 1101 to perform relevant sensitive operations including unlocking the screen, viewing encrypted information, downloading software, paying for and changing settings, etc. The fingerprint sensor 1114 may be disposed on the front, back, or side of the terminal. When a physical key or a vendor Logo is provided on the terminal, the fingerprint sensor 1114 may be integrated with the physical key or the vendor Logo.

Optical sensor 1115 is used to collect ambient light intensity. In one embodiment, the processor 1101 may control the display brightness of the touch display screen 1105 based on the ambient light intensity collected by the optical sensor 1115. Specifically, when the ambient light intensity is high, the display brightness of the touch display screen 1105 is increased; when the ambient light intensity is low, the display brightness of the touch display screen 1105 is turned down. In another embodiment, processor 1101 may also dynamically adjust the shooting parameters of camera assembly 1106 based on the ambient light intensity collected by optical sensor 1115.

A proximity sensor 1116, also referred to as a distance sensor, is typically provided on the front panel of the terminal. The proximity sensor 1116 is used to capture the distance between the user and the front face of the terminal. In one embodiment, the touch display screen 1105 is controlled by the processor 1101 to switch from a bright screen state to a dark screen state when the proximity sensor 1116 detects that the distance between the user and the front face of the terminal is gradually decreasing; when the proximity sensor 1116 detects that the distance between the user and the front face of the terminal gradually becomes larger, the touch display screen 1105 is controlled by the processor 1101 to switch from the breath-screen state to the bright-screen state.

Those skilled in the art will appreciate that the configuration shown in fig. 11 is not intended to be limiting and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components may be used.

In an exemplary embodiment, a computer device is also provided that includes a processor and a memory having at least one instruction, at least one program, set of codes, or set of instructions stored therein. The at least one instruction, at least one program, set of code or set of instructions is configured to be executed by one or more processors to implement any of the above-described methods of resource transfer.

In an exemplary embodiment, there is also provided a computer readable storage medium having stored therein at least one instruction, at least one program, set of codes, or set of instructions which, when executed by a processor of a computer device, implement any of the above-described methods of resource transfer.

Alternatively, the computer-readable storage medium may be a ROM, a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.

It should be understood that reference to "a plurality" herein means two or more. "and/or" describes the association relationship of the associated objects, meaning that there may be three relationships, e.g., a and/or B, which may mean: a exists alone, A and B exist simultaneously, and B exists alone. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship.

The above-mentioned serial numbers of the embodiments of the present application are merely for description and do not represent the merits of the embodiments.

The above description is only exemplary of the present application and should not be taken as limiting the present application, and any modifications, equivalents, improvements and the like that are made within the spirit and principle of the present application should be included in the protection scope of the present application.

Claims

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

and responding to the resource transfer result that the resource transfer is successful, unlocking the locked first resource, and transferring the unlocked first resource to the resource account of the third party.

2. The method of claim 1, wherein after transferring the second resource in the resource account of the third party to the first resource account of the target object, further comprising:

and responding to the resource transfer failure as a resource transfer result, and unlocking the locked first resource when the number of times of the resource transfer failure exceeds a threshold value.

3. The method of claim 1, wherein after transferring the second resource in the resource account of the third party to the first resource account of the target object, further comprising:

4. The method of claim 1 or 2, wherein unlocking the locked first resource comprises:

5. The method of claim 1, wherein transferring the second resource in the resource account of the third party to the first resource account of the target object comprises:

6. The method according to any one of claims 1, 2, 3, and 5, wherein before acquiring the resource transfer amount, the method further includes:

7. The method according to any one of claims 1, 2, 3, and 5, wherein before acquiring the resource transfer amount, the method further includes:

8. The method according to claim 1, wherein the obtaining the resource transfer amount based on the resource transfer request of the first resource account of the target object comprises:

9. An apparatus for resource transfer, the apparatus comprising:

10. A computer device comprising a processor and a memory, the memory having stored therein at least one instruction which, when executed by the processor, carries out a method of resource transfer according to any one of claims 1 to 8.

11. A computer-readable storage medium having stored therein at least one instruction which, when executed, performs a method of resource transfer as claimed in any one of claims 1 to 8.