CN114723440A

CN114723440A - Resource transfer method, device, medium and electronic equipment based on instant messaging

Info

Publication number: CN114723440A
Application number: CN202110003801.3A
Authority: CN
Inventors: 黄铁鸣; 王涛; 石雪梅; 王青; 林莉; 李斌; 郭永智
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2021-01-04
Filing date: 2021-01-04
Publication date: 2022-07-08

Abstract

The embodiment of the application provides a resource transfer method and device based on instant messaging, a computer readable medium and electronic equipment. The resource transfer method based on instant messaging comprises the following steps: the resource transfer method comprises the steps that a resource receiving party displays a generation interface of a resource transfer task in an instant messaging client, at least part of account information of a resource receiving mechanism corresponding to the resource transfer task and information of a related product corresponding to the resource transfer are displayed in the generation interface, the resource transfer task is started based on the account information of the resource receiving mechanism and the information of the related product, the generated resource transfer task information is sent to a resource output party in an instant messaging mode, the information related to the resource transfer task is directly displayed on the interface, the transparency of the information in the resource transfer process is improved in the resource transfer process based on the mode that the resource transfer task is generated based on the related information, and the safety of the resource streaming process is guaranteed.

Description

Resource transfer method, device, medium and electronic equipment based on instant messaging

Technical Field

The present application relates to the field of computer technologies, and in particular, to a method and an apparatus for transferring resources based on instant messaging, a computer-readable medium, and an electronic device.

Background

With the popularization of electronic transaction modes, in many application scenarios of transaction payment, transfer payment is generally performed in a mode of scanning a two-dimensional code. For example, when a merchant displays a self collection code on line, a buyer can acquire the collection information of the merchant in a code scanning mode and input the transfer amount to transfer money. However, this method is often limited on line, for example, when a payer transfers money according to a collection code sent by a receiver, only single account information can be obtained, but comprehensive collection information cannot be obtained. The unknown of the buyer to the collection information may cause a greater trust crisis to the online transfer, and the security and the transparency of the money resource transfer cannot be ensured, and the problem of resource transfer error due to incomplete information may also be caused.

Disclosure of Invention

Embodiments of the present application provide a resource transfer method, device, computer-readable medium, and electronic device based on instant messaging, so that transparency of information in a resource transfer process can be ensured at least to a certain extent, and security and reliability of a resource streaming process can be improved.

Other features and advantages of the present application will be apparent from the following detailed description, or may be learned by practice of the application.

According to an aspect of an embodiment of the present application, there is provided a resource transfer method based on instant messaging, including: when a generation instruction of a resource transfer task is received in an instant messaging client, displaying a generation interface of the resource transfer task in the instant messaging client; displaying at least part of account information of the resource receiving mechanism corresponding to the resource transfer task in the generation interface; displaying information of the associated product corresponding to the resource transfer task in the generation interface; in response to a resource transfer starting operation triggered in the generation interface, determining resource transfer task information including the account information and information of associated products; and sending the resource transfer task information to a resource output party in an instant messaging manner.

According to an aspect of an embodiment of the present application, there is provided a resource transfer method based on instant messaging, including: acquiring a resource transfer task sent by a resource transfer initiating terminal in an instant messaging manner, wherein the resource transfer task is generated in a generation interface of an instant messaging client corresponding to the resource transfer initiating terminal based on account information of a resource receiving mechanism corresponding to the resource transfer task and information of a related product; displaying information corresponding to the resource transfer task in an instant messaging client, wherein the information corresponding to the resource transfer task comprises at least one of the following information: the resource transfer amount, the account information of the resource receiving mechanism to which the resource transfer initiator belongs, and the information of the associated product corresponding to the resource transfer task; and responding to the resource transfer operation triggered in the interface, and executing the resource transfer task.

According to an aspect of an embodiment of the present application, there is provided an apparatus for transferring resources based on instant messaging, including: the system comprises a generation interface unit, a resource transfer unit and a resource transfer unit, wherein the generation interface unit is used for displaying a generation interface of a resource transfer task in an instant messaging client when a generation instruction of the resource transfer task is received in the instant messaging client; the account association unit is used for displaying at least part of account information of the resource receiving mechanism corresponding to the resource transfer task in the generation interface; the product association unit is used for displaying information of an associated product corresponding to the resource transfer task in the generation interface; the task information unit is used for responding to the resource transfer starting operation triggered in the generation interface and determining resource transfer task information comprising the account information and the information of the associated products; and the task sending unit is used for sending the resource transfer task information to a resource output party in an instant messaging manner.

In some embodiments of the present application, based on the foregoing solution, the task sending unit is configured to: generating an instant communication message corresponding to the resource transfer task based on the resource transfer task information; and sending the instant communication message to the resource output party based on an instant communication client corresponding to the resource receiving mechanism and an intercommunication message background between the instant communication clients corresponding to the resource output party.

In some embodiments of the present application, based on the foregoing solution, the product association unit includes: the product interface unit is used for triggering a product control in the generated interface so as to jump to the product interface; the product selection unit is used for acquiring the information of the associated product corresponding to the current resource transfer from the product interface; and the product display unit is used for displaying the information of the associated product in the generation interface.

In some embodiments of the present application, based on the foregoing scheme, the information of the associated product includes a total amount of resources corresponding to the associated product and offer information; the product display unit is to: determining the resource transfer quantity corresponding to the associated product based on the total resource quantity corresponding to the associated product and the discount information; and loading the resource transfer quantity corresponding to the associated product in the generation interface.

In some embodiments of the present application, based on the foregoing solution, the task sending unit is configured to: generating a task link based on the resource transfer task, and storing the task link; and when a request for the associated product initiated by other resource output parties is acquired, the resource transfer task information is sent to the resource output parties in an instant messaging manner based on the task link.

In some embodiments of the present application, based on the foregoing solution, the instant messaging based resource transfer apparatus is further configured to: acquiring a resource transfer record of a server corresponding to the resource receiving mechanism in a resource transfer process aiming at the resource receiving mechanism; displaying at least one of the following information in an interface of an instant messaging client corresponding to the resource receiving mechanism: the resource transfer record, the number of resource transfer initiators belonging to the resource receiving mechanism, the total amount of the resources obtained by the resource receiving mechanism, and the number of resource transfer times.

In some embodiments of the present application, based on the foregoing solution, the instant messaging based resource transfer apparatus is further configured to: triggering a control corresponding to the resource transfer record in an interface of an instant messaging client corresponding to the resource receiving mechanism, and displaying a resource transfer list sent by a resource transfer initiator belonging to the resource receiving mechanism; and counting the resource transfer condition of each resource transfer initiator based on the resource transfer list sent by the resource transfer initiators.

In some embodiments of the present application, based on the foregoing solution, the instant messaging based resource transfer apparatus is further configured to: acquiring detail triggering information aiming at a target resource transfer task; skipping from the display interface of the resource transfer list to a detail display interface of the target resource transfer task, wherein the detail display interface comprises at least one of the following information: resource transfer state, resource transfer time, resource transfer task identifier, resource receiving mechanism identifier, associated product information, and resource transfer initiator information.

In some embodiments of the present application, based on the foregoing solution, the resource transfer task information is a boarder link generated in an instant messaging client corresponding to the resource receiving mechanism.

According to an aspect of an embodiment of the present application, there is provided an apparatus for transferring resources based on instant messaging, including: the resource transfer system comprises a task obtaining unit, a resource transfer initiating terminal and a resource receiving mechanism, wherein the task obtaining unit is used for obtaining a resource transfer task sent by the resource transfer initiating terminal in an instant messaging manner, and the resource transfer task is generated based on account information of a resource receiving mechanism corresponding to the resource transfer task and information of a related product in a generation interface of an instant messaging client corresponding to the resource transfer initiating terminal; the task display unit is used for displaying the information corresponding to the resource transfer task in the instant messaging client, wherein the information corresponding to the resource transfer task comprises at least one of the following information: the resource transfer amount, the account information of the resource receiving mechanism to which the resource transfer initiator belongs, and the information of the associated product corresponding to the resource transfer task; and the task execution unit is used for responding to the resource transfer operation triggered in the interface and executing the resource transfer task. .

In some embodiments of the present application, based on the foregoing solution, the task execution unit is configured to: verifying information corresponding to the resource transfer task; after the information corresponding to the resource transfer task passes verification, displaying verification passing information in an interface; and responding to the resource transfer operation triggered in the interface, and executing the resource transfer task.

In some embodiments of the present application, based on the foregoing solution, the task execution unit is configured to: sending the information corresponding to the resource transfer task to a server so that the server verifies the information corresponding to the resource transfer task; obtaining a verification result returned by the server, and displaying the verification result in an interface, wherein the verification result comprises verification passing information; and responding to the resource transfer operation triggered in the interface, and executing the resource transfer task.

In some embodiments of the present application, based on the foregoing solution, the information corresponding to the resource transfer task includes credit information of the resource transfer initiator and credit information of the resource receiving mechanism; the task presentation unit is configured to: acquiring credit information of the resource transfer initiator and credit information of the resource receiving mechanism; determining a credit level corresponding to the credit information of the resource transfer initiator and a credit level corresponding to the credit information of the resource receiving institution based on a set credit evaluation mode; and displaying the credit level corresponding to the credit information of the resource transfer initiator and the credit level corresponding to the credit information of the resource receiving mechanism in an interface of the instant messaging client based on a display mode corresponding to the credit level.

In some embodiments of the present application, based on the foregoing solution, the instant messaging based resource transfer apparatus is further configured to: when the credit level of the resource receiving mechanism is lower than a level threshold, generating credit risk prompt information; displaying the risk prompt information and the resource transfer prompt information in an interface; and executing the resource transfer task when the resource transfer operation triggered by the resource transfer prompt information is acquired.

In some embodiments of the present application, based on the foregoing solution, the instant messaging based resource transfer apparatus is further configured to: after the execution of the resource transfer task is completed, resource transfer task completion information is generated; and sending the resource transfer task completion information to the resource transfer initiating terminal based on an intercommunication message background between the instant communication client corresponding to the resource receiving mechanism and the instant communication client corresponding to the resource output party.

According to an aspect of the embodiments of the present application, there is provided a computer readable medium, on which a computer program is stored, the computer program, when executed by a processor, implements the instant messaging based resource transfer method as described in the above embodiments.

According to an aspect of an embodiment of the present application, there is provided an electronic device including: one or more processors; a storage device for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement the instant messaging based resource transfer method as described in the above embodiments.

According to an aspect of embodiments herein, there is provided a computer program product or computer program comprising computer instructions stored in a computer readable storage medium. The processor of the computer device reads the computer instructions from the computer readable storage medium, and the processor executes the computer instructions to cause the computer device to execute the instant messaging based resource transfer method provided in the above-mentioned various alternative implementations.

In the technical solutions provided in some embodiments of the present application, a resource receiving side displays a generation interface of a resource transfer task in an instant messaging client, displays at least part of account information of a resource receiving mechanism corresponding to the resource transfer task and information of an associated product corresponding to the resource transfer in the generation interface, starts the resource transfer task based on the account information of the resource receiving mechanism and the information of the associated product, and sends the generated resource transfer task information to a resource output side in an instant messaging manner, and ensures transparency of information in a resource transfer process and improves security and reliability of a resource streaming process by directly displaying information associated with the resource transfer task on the interface and generating the resource transfer task based on the associated information.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the application.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and, together with the description, serve to explain the principles of the application. It is obvious that the drawings in the following description are only some embodiments of the application, and that for a person skilled in the art, other drawings can be derived from them without inventive effort. In the drawings:

FIG. 1 shows a schematic diagram of an exemplary system architecture to which aspects of embodiments of the present application may be applied;

fig. 2 schematically illustrates a schematic diagram of a resource transfer system based on instant messaging according to an embodiment of the present application;

FIG. 3 schematically illustrates a flow diagram of a method for instant messaging based resource transfer according to an embodiment of the present application;

FIG. 4 schematically illustrates a diagram of a generation interface triggering a presentation resource transfer task, according to one embodiment of the present application;

FIG. 5 schematically illustrates a schematic diagram of a generation interface of a resource transfer task, according to an embodiment of the present application;

6-8 schematically illustrate diagrams of adding payee information according to one embodiment of the application;

9-11 schematically illustrate a schematic diagram of adding associated product information according to one embodiment of the present application;

FIG. 12 schematically illustrates a diagram of initiating collection of funds, according to one embodiment of the present application;

FIG. 13 schematically illustrates a timing diagram for instant messaging based resource transfer according to one embodiment of the present application;

FIGS. 14-16 schematically illustrate diagrams of managing collection records according to an embodiment of the present application;

FIG. 17 schematically illustrates a flow diagram of a method of instant messaging based resource transfer, according to an embodiment of the present application;

18, 19 schematically illustrate a presentation and verification of resource transfer information according to an embodiment of the present application;

FIG. 20 schematically illustrates a block diagram of an instant messaging based resource transfer device, in accordance with one embodiment of the present application;

fig. 21 schematically illustrates a block diagram of an instant messaging based resource transfer device according to an embodiment of the present application;

FIG. 22 illustrates a schematic structural diagram of a computer system suitable for use in implementing the electronic device of an embodiment of the present application.

Detailed Description

Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art.

Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to give a thorough understanding of embodiments of the application. One skilled in the relevant art will recognize, however, that the subject matter of the present application can be practiced without one or more of the specific details, or with other methods, components, devices, steps, and so forth. In other instances, well-known methods, devices, implementations, or operations have not been shown or described in detail to avoid obscuring aspects of the application.

The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor means and/or microcontroller means.

The flow charts shown in the drawings are merely illustrative and do not necessarily include all of the contents and operations/steps, nor do they necessarily have to be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.

Fig. 1 shows a schematic diagram of an exemplary system architecture to which the technical solution of the embodiments of the present application can be applied.

As shown in fig. 1, the system architecture may include a terminal device, an interworking message backend 104, and a terminal device 105.

In an embodiment of the present application, the terminal device may include one or more of a smart phone 101, a tablet computer 102, and a portable computer 103 as shown in fig. 1, but may also be a desktop computer, etc. In practical applications, the terminal device may be a terminal device of a seller or a buyer.

In an embodiment of the present application, interworking message back-office 104 is configured to provide a medium for a communication link between the terminal device and terminal device 105. The interworking message backend 104 may be a communication medium between end devices that is structured based on various connection types, such as a wired communication link, a wireless communication link, and so on.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation. For example, the terminal device 105 may be a server cluster composed of a plurality of servers.

At the resource receiver, the user may use the terminal device to interact with the terminal device 105 through the interworking message backend 104 to send resource transfer task information and the like. The terminal device 105 may be a terminal device of a resource output side, and is configured to acquire resource transfer task information and execute the resource transfer task. For example, when the resource receiver receives a generation instruction of the resource transfer task in the instant messaging client, a generation interface of the resource transfer task is displayed in the instant messaging client; displaying at least part of account information of the resource receiving mechanism corresponding to the resource transfer task in a generation interface; displaying information of the associated product corresponding to the resource transfer task in a generation interface; in response to a resource transfer starting operation triggered in a generation interface, determining resource transfer task information comprising account information and information of associated products; and sending the resource transfer task information to the terminal equipment 105 corresponding to the resource output party in an instant messaging manner.

According to the scheme, the resource transfer task is started based on the account information of the resource receiving mechanism and the information of the associated product through the resource receiving interface which is displayed in the instant communication client by the resource receiving party and at least part of the account information of the resource receiving mechanism corresponding to the resource transfer task and the information of the associated product corresponding to the resource transfer are displayed in the generated interface, the generated resource transfer task information is sent to the resource output party in an instant communication mode, the information associated with the resource transfer task is directly displayed on the interface, and the transparency of the information in the resource transfer process is ensured and the safety and the reliability of the resource flow process are improved in a mode of generating the resource transfer task based on the associated information.

Fig. 2 is a schematic diagram of a resource transfer system based on instant messaging according to an embodiment of the present disclosure.

As shown in fig. 2, in the enterprise instant messaging client corresponding to the payee, collection information is generated and uploaded to the collection service background through the client gateway, and meanwhile, instant messaging lodging program information corresponding to the collection information is generated based on the lodging program gateway, and then the instant messaging lodging program information is sent to the instant messaging payment background through the intercommunication message background between the enterprise instant messaging client and the instant messaging client, so as to complete the collection of money.

Specifically, in an application scenario of instant messaging payment, an instant messaging client of an enterprise in this embodiment is responsible for enterprise end user interaction; the enterprise instant communication background is responsible for generating a payment order, tracking the order state, storing the order state in a data storage mode and providing enterprise data analysis; the boarder program is used for the user interactive operation of the client; the instant messaging payment background is used for managing the payment state of the user and settling accounts with the user.

The implementation details of the technical solution of the embodiment of the present application are set forth in detail below:

fig. 3 shows a flowchart of an instant messaging based resource transfer method according to an embodiment of the present application, which may be performed by a server, which may be the smartphone 101 shown in fig. 1. Referring to fig. 3, the method for transferring resources based on instant messaging at least includes steps S310 to S350, which are described in detail as follows:

in step S310, when the generation instruction of the resource transfer task is received in the instant messaging client, a generation interface of the resource transfer task is displayed in the instant messaging client.

As shown in fig. 4, in an application scenario of commodity purchase, after the payee has communicated with the payer for confirmation, a generation instruction of the resource transfer task may be triggered in the instant messaging client, for example, a "initiate order collection" button in fig. 4 is triggered, that is, a generation instruction of the resource transfer task may be generated.

As shown in fig. 5, when receiving a generation instruction of the resource transfer task, the terminal of the payee jumps to a generation interface of the resource transfer task in the instant messaging client. In the interface for generating the resource transfer task according to the embodiment of the present application, at least one of the following information may be included: amount collected, payee name, collection remark information, and associated product information, among others.

In step S320, at least part of account information of the resource receiving institution corresponding to the resource transfer task is displayed in the generation interface.

In an embodiment of the present application, the collection information in this embodiment includes institution information or account information of the resource receiver. As shown by continuing with the generation interface shown in fig. 5, the account information of the resource receiver may be associated in the generation interface, and is used to add the account information of the resource receiver to the generation interface of the resource transfer task, so that the resource output party may obtain the comprehensive resource transfer task information, and the reliability and the security of the resource task flow are improved.

As shown in fig. 6, a "+" button is added beside the payee in the generation interface for adding the resource receiving mechanism and its corresponding account information. As shown in FIG. 7, after the plus number is clicked, the names of the corresponding payee institutions, such as Enterprise A, corporation B, and retail C in FIG. 7, are displayed; as shown in fig. 8, triggering selection of one of the payee institution names in the interface may add the payee institution name to the corresponding payee location.

In step S330, information of the associated product corresponding to the resource transfer task is displayed in the generation interface.

In an embodiment of the present application, in the resource transfer process, all the associated products are corresponding to the resource transfer process, and meanwhile, information of the associated products also needs to be added to the generation interface, so that the resource output party can obtain complete resource transfer information conveniently. In this embodiment, the manner of adding the information of the associated product in the generation interface is the same as the manner of adding the information of the resource receiving mechanism, and details are not described here.

Specifically, the related product in this embodiment may be an actual object, or may be virtual data information, and the like. In addition, in the case that the related product is an actual object, the logistics information corresponding to the related product may be added to the generation interface in this embodiment, so as to further enhance the comprehensiveness and reliability of the resource transfer information.

In step S340, in response to the resource transfer initiation operation triggered in the generation interface, resource transfer task information including account information and information of the associated product is determined.

In an embodiment of the application, a starting control for resource transfer is triggered in a generating interface, and a resource transfer starting operation is generated. For example, the user clicks on the initiate checkout button in FIG. 8 to trigger generation of resource transfer task information including account information and information associated with the product.

In step S350, the resource transfer task information is sent to the resource output party by means of instant messaging.

In one embodiment of the present application, the resource transfer task information includes specific resource transfer details, such as information about the payee, the amount of the payment, and the associated product. When the resource transfer task information is sent to the resource output party, the instant messaging client can be used as a host to generate a boarder program link, and the boarder program link is sent to the resource output party in an instant messaging mode.

In an embodiment of the present application, the process of displaying the information of the associated product corresponding to the resource transfer task in the generation interface in step S330 includes the following steps S331 to S333, which are described in detail as follows:

step S331, triggering a product control in the generated interface to jump to the product interface;

step S332, acquiring information of the associated product corresponding to the current resource transfer from a product interface;

and S333, displaying the information of the related product in the generation interface.

In an embodiment of the present application, there are associated products corresponding to the resource transfer process, and meanwhile, information of the associated products needs to be added to the generation interface, so that the resource output party can obtain complete resource transfer information. As shown in fig. 9, in the process of adding information of associated products in the generation interface in this embodiment, the product control may be triggered to jump to the product interface in fig. 10 in the generation interface, so that a user of the resource receiver may select at least one product in the product interface as an associated product. Information of the associated product corresponding to the resource transfer is acquired in the product interface, and the information of the associated product is displayed in the generation interface of fig. 11, where the information of the associated product may be information such as an image, a product link, or a product price.

In one embodiment of the application, the information of the associated product includes a total amount of resources corresponding to the associated product and preference information; the process of displaying the information of the associated product in the generation interface in step S333 includes: determining the resource transfer quantity corresponding to the associated product based on the total quantity of the resources corresponding to the associated product and the preferential information; and loading the resource transfer quantity corresponding to the associated product in the generation interface.

Based on the interface corresponding to fig. 11, in the process of selecting the associated product and displaying the information corresponding to the associated product on the generation interface, the specific number of the associated product and the corresponding offer information may be obtained, the total amount of resources corresponding to the associated product is determined based on the unit price and the number of the associated product, and then the amount of resource transfer corresponding to the current resource transfer is determined based on the total amount of resources and the offer information. The resource transfer quantity is loaded to a generation interface corresponding to the associated product, so that a resource receiver can conveniently verify and confirm the information, and the accuracy and reliability of the resource transfer information are improved.

In an embodiment of the present application, the process of sending the resource transfer task information to the resource output party in the step S350 through instant messaging includes the following steps: generating an instant communication message corresponding to the resource transfer task based on the resource transfer task information; and sending the instant communication message to the resource output party based on an intercommunication message background between the instant communication client corresponding to the resource receiving mechanism and the instant communication client corresponding to the resource output party.

Based on the system diagram shown in fig. 2, the resource receiver in this embodiment may process the resource transfer information in the instant messaging client corresponding to the resource receiving mechanism. By the method, when the account information of the resource receiving mechanism is associated, the information of the resource receiving mechanism corresponding to the resource receiving party can be directly displayed in the generating interface.

It should be noted that the instant messaging client corresponding to the resource receiving mechanism in the embodiment of the present application is used to represent an instant messaging client using the resource receiving mechanism as a unit, is used to perform instant messaging of mechanism members in the resource structure mechanism, and has a function of performing communication connection with other instant messaging clients. Moreover, when the mechanism members in the resource receiving mechanism carry out instant messaging through the instant messaging client corresponding to the resource receiving mechanism, the mechanism members can be associated with the mechanism information of the resource structure mechanism, so that the resource receiving mechanism information to which the mechanism members belong can be conveniently embodied in the way, the mechanism members can conveniently process resource receiving tasks under the background of the resource receiving mechanism, and meanwhile, the resource receiving mechanism can conveniently manage the mechanism members.

As shown in fig. 13, in the application scenario of the instant messaging in fig. 13, a salesperson of a seller enterprise first inputs a collection amount through an instant messaging client, and a collection merchant links with a related commodity to create a collection item, and then generates a lodging program for collecting money through a client gateway and a collection service background, and sends the collected lodging program to a buyer client through an interworking message background between an instant messaging client of a resource receiving mechanism and an instant messaging client of a resource output mechanism. And then, the buyer serving as the resource output party enters a payment detail page by triggering a host program of the instant messaging client to display the payment amount and the information of the resource receiving party. And after triggering payment confirmation in the instant communication client, inquiring and checking payment information from the instant communication payment background, and performing online payment after confirming that the payment information is correct. And finally, the instant communication payment background pushes a payment success message to an instant communication intercommunication background of the resource receiving mechanism, displays the payment success message on interfaces of a resource output party and a resource receiving party, generates a bill corresponding to the resource transfer, stores the bill into a database, and ends the resource transfer.

By the method, the generation efficiency of the resource transfer task is improved, and the error rate of the resource transfer task in the generation process is reduced. Furthermore, by directly associating the resource receiving mechanism, the situation that the information of the cash collecting mechanism is tampered by the salesperson can be avoided, and the safety of resource transfer is improved.

In an embodiment of the present application, the process of sending the resource transfer task information to the resource output party in the step S350 through instant messaging includes the following steps: generating a task link based on the resource transfer task, and storing the task link; and when a request for the associated product initiated by other resource output parties is acquired, sending resource transfer task information to the resource output parties in an instant messaging manner based on the task link.

In practical application, the resource receiving party generates a task link based on the resource transfer request of the resource outputting party A, and stores the task link, so that when a request for a related product sent by other resource outputting parties except the resource outputting party A is obtained, the resource transfer task information is sent to the resource outputting party in an instant messaging manner based on the task link. By the method, the transmission of the resource transfer task information can be facilitated, and the resource transfer rate of the resource receiving party is improved.

In addition, the resource output party can also store the task link after acquiring the task link, so as to be forwarded to other resource output parties. So that other resource output parties can execute the corresponding resource transfer task for the task link. And an interactive request is not required to be carried out to the resource receiver, so that the transfer efficiency of the resources and the products is improved.

In an embodiment of the present application, the method for transferring resources based on instant messaging further includes: acquiring a resource transfer record of a server corresponding to a resource receiving mechanism in a resource transfer process aiming at the resource receiving mechanism; displaying at least one of the following information in an interface of an instant messaging client corresponding to a resource receiving mechanism: the resource transfer records, the number of resource transfer initiators belonging to the resource receiving mechanism, the total amount of the resources acquired by the resource receiving mechanism, and the number of times of resource transfer.

As shown in fig. 14, in this embodiment, the administrator of the resource receiving mechanism has the right to view all resource transfer records of the resource receiving mechanism. Therefore, when the user of one resource receiving party is the manager of the resource receiving mechanism, the resource transfer record of the server corresponding to the resource receiving mechanism in the resource transfer process for the resource receiving mechanism can be acquired. Displaying at least one of the following information in an interface of an instant messaging client corresponding to a resource receiving mechanism: the resource transfer record, the number of resource transfer initiators belonging to the resource receiving mechanism (i.e., the collection members in fig. 14), the total amount of resources acquired by the resource receiving mechanism (i.e., the amount of money collected today in fig. 14), and the number of times of resource transfer (i.e., the number of collection strokes in fig. 14).

In addition, a collection record button can be displayed in the interface and used for specifically displaying a detailed collection record list; and may display the user's own collection record.

In an embodiment of the present application, the method for transferring resources based on instant messaging further includes: triggering a control corresponding to the resource transfer record in an interface of an instant messaging client corresponding to the resource receiving mechanism, and displaying a resource transfer list sent by a resource transfer initiator belonging to the resource receiving mechanism; and counting the resource transfer condition of each resource transfer initiator based on the resource transfer list sent by the resource transfer initiator.

In the embodiment of the present application, in the interface of the instant messaging client corresponding to the resource receiving mechanism, the control corresponding to the resource transfer record, that is, the payment record in fig. 14 is triggered, so as to display the resource transfer list sent by the resource transfer initiator belonging to the resource receiving mechanism, as shown in fig. 15. Specifically, in the resource transfer list shown in fig. 15, the member names, the resource transfer time, and the resource transfer states may be displayed in a classified manner, for example, the resource transfer condition of each resource transfer initiator is counted based on the resource transfer list sent by the resource transfer initiator; or screening the resource transfer time to obtain the resource transfer record of a certain day or a certain month.

Through the mode of carrying out circulation record management in the instant messaging client corresponding to the resource receiving mechanism, the method is beneficial to the spreading and collection of money by a user group, can carry out enterprise management on a targeted line, and improves the efficiency of resource transfer statistics.

In an embodiment of the present application, after displaying a resource transfer list sent by a resource transfer initiator belonging to a resource receiving mechanism, the resource transfer method based on instant messaging further includes: acquiring detail triggering information aiming at a target resource transfer task; skipping from the display interface of the resource transfer list to a detail display interface of the target resource transfer task, wherein the detail display interface comprises at least one of the following information: resource transfer state, resource transfer time, resource transfer task identifier, resource receiving mechanism identifier, associated product information, and resource transfer initiator information.

As shown in fig. 15, in the embodiment of the present application, a user may click a specific resource transfer record in a resource transfer list, so that a terminal may obtain detail trigger information for a target resource transfer task. Then, as shown in fig. 16, jumping from the display interface of the resource transfer list to a detail display interface of the target resource transfer task, where the detail display interface includes at least one of the following information: resource transfer status (i.e., transaction status in fig. 16), resource transfer time, resource transfer task identification, resource receiving institution identification, associated product information, resource transfer originator information, and the like. By the unified management mode of the resource transfer records, all the resource transfer records can be stored and managed uniformly by the resource receiver, and the management efficiency of resource transfer is improved.

Fig. 17 shows a flowchart of an instant messaging based resource transfer method according to an embodiment of the present application, which may be performed by a server, which may be the terminal device 105 shown in fig. 1. Referring to fig. 17, the method for transferring resources based on instant messaging at least includes steps S1710 to S1730, which are described in detail as follows:

step S1710, obtaining a resource transfer task sent by the resource transfer initiating terminal in an instant messaging manner, where the resource transfer task is generated based on account information of a resource receiving mechanism and information of a related product corresponding to the resource transfer task in a generation interface of an instant messaging client corresponding to the resource transfer initiating terminal.

As shown in fig. 13, in the application scenario of the instant messaging in fig. 13, a salesperson of a seller enterprise first inputs a collection amount through an instant messaging client, and a collection merchant links with a related commodity to create a collection item, and then generates a lodging program for collecting money through a client gateway and a collection service background, and sends the collected lodging program to a buyer client through an interworking message background between an instant messaging client of a resource receiving mechanism and an instant messaging client of a resource output mechanism. And then, the buyer serving as the resource output party enters a payment detail page by triggering a host program of the instant messaging client to display the payment amount and the information of the resource receiving party. And after the payment confirmation is triggered in the instant messaging client, inquiring and checking payment information from the instant messaging payment background, and performing online payment after the payment information is confirmed to be correct. And finally, the instant communication payment background pushes a payment success message to an instant communication intercommunication background of the resource receiving mechanism, displays the payment success message on interfaces of a resource output party and a resource receiving party, generates a bill corresponding to the resource transfer, stores the bill into a database, and ends the resource transfer.

Step S1720, displaying information corresponding to the resource transfer task in the instant messaging client, where the information corresponding to the resource transfer task includes at least one of the following information: the resource transfer amount, the account information of the resource receiving mechanism to which the resource transfer initiator belongs, and the information of the associated product corresponding to the resource transfer task.

As shown in fig. 18, in an embodiment of the present application, in an instant messaging client of a resource output party, information corresponding to a resource transfer task is displayed, where the information includes: the resource transfer amount (240 in fig. 18), the account information of the resource receiving mechanism to which the resource transfer initiator belongs (i.e. the payee and the initiator in fig. 18), and the information of the associated product corresponding to the resource transfer task. By displaying the information to the resource output party, the user corresponding to the resource output party can acquire and check the comprehensive resource transfer information before outputting the resource, so that the accuracy of resource transfer and the comprehensiveness of the information are improved.

In an embodiment of the application, the information corresponding to the resource transfer task includes credit information of a resource transfer initiator and credit information of a resource receiving mechanism; step S1720 is a step of displaying, in the instant messaging client, information corresponding to the resource transfer task, specifically including the following processes: the credit information of the resource transfer initiator and the credit information of the resource receiving mechanism are acquired from the server of the resource storage mechanism. And determining a credit level corresponding to the credit information of the resource transfer initiator and a credit level corresponding to the credit information of the resource receiving institution based on the set credit evaluation mode, wherein the credit levels can be divided into a high level, a middle level, a low level and the like. And displaying the credit level corresponding to the credit information of the resource transfer initiator and the credit level corresponding to the credit information of the resource receiving institution in an interface of the instant messaging client based on a display mode corresponding to the credit level, such as different colors, font sizes and the like.

Further, in an embodiment of the present application, when the credit level of the resource receiving mechanism is lower than the level threshold, credit risk prompt information may be generated, and the risk prompt information and the resource transfer prompt information are displayed in an interface; for example, displaying the resource-receiving mechanism in the interface presents a higher credit risk to direct the user to determine whether to perform a subsequent resource transfer operation based on the information displayed in the interface. And executing the resource transfer task when the resource transfer operation triggered by the resource transfer prompt information is acquired.

Illustratively, the credit information comprises credit investigation data, and the reminding information is displayed in a payment interface of a payment user of the resource output party by acquiring the credit investigation data of the resource transfer initiating terminal and/or the resource receiving mechanism, for example, when the credit investigation of the mechanism is poor, relevant prompt is performed to prompt the user of payment risk; when the resource initiator has good credit investigation and the resource receiving mechanism has poor credit investigation, the risk of resource transfer can be considered to be low at this time, and the resource transfer can be directly carried out.

According to the scheme, before the resource transfer, the credit level of the resource receiving mechanism and the credit level of the resource transfer initiator are displayed in the interface, so that the resource output party can be warned by corresponding operation, and the reliability of the resource transfer is improved.

Step S1730, in response to the resource transfer operation triggered in the interface, executing a resource transfer task.

In an embodiment of the present application, as shown in fig. 18, when the user triggers the confirm resource transfer control, i.e., the payment button in fig. 18, the interface jumps from fig. 18 to the interface shown in fig. 19, which includes the resource transfer amount (i.e., 240 in fig. 19), and the account information of the resource receiver (i.e., the merchant abbreviation, the merchant full name, and the payee initiator information in fig. 19). The resource output party checks and verifies the information to ensure the accuracy of resource transfer.

In an embodiment of the present application, the step S1730, in response to the resource transfer operation triggered in the interface, of executing the resource transfer task specifically includes the following steps: the information corresponding to the resource transfer task is verified locally at the terminal of the resource output party, and the specific verification mode can be that the information related to the resource transfer task is obtained from other platforms at first, then the information obtained from the message intercommunication platform is compared with the information related to the resource transfer task obtained from other platforms, and if the information is the same, the verification is passed. And after the information corresponding to the resource transfer task passes the verification, displaying verification passing information in an interface to indicate that the resource transfer operation can be continued. And responding to the resource transfer operation triggered in the interface to execute the resource transfer task. The efficiency of resource transfer can be improved by the above information mode corresponding to the local verification resource transfer task.

In an embodiment of the present application, the step S1730, in response to the resource transfer operation triggered in the interface, of executing the resource transfer task specifically includes the following steps: sending information corresponding to the resource transfer task to a server so that the server verifies the information corresponding to the resource transfer task; and after the server passes the verification, obtaining a verification result returned by the server, and displaying the verification result in an interface. And responding to the resource transfer operation triggered in the interface, and executing the resource transfer task. Through the information verification process, the reliability and the fairness of the resource transfer task can be improved.

In addition, the resource transfer information can be displayed on the interface and used for guiding the user to verify manually, and after the manual verification is passed, the resource transfer operation is triggered.

In an embodiment of the present application, after the information corresponding to the resource transfer task is verified, the resource transfer control, that is, the payment confirmation button in fig. 19, is triggered to execute the resource transfer task.

Further, after the execution of the resource transfer task is completed, resource transfer task completion information is generated; and sending the resource transfer task completion information to the resource transfer initiating terminal based on the intercommunication message background between the instant communication client corresponding to the resource receiving mechanism and the instant communication client corresponding to the resource output party. By the method, the whole resource transfer process can be completed.

According to the scheme, the resource transfer task generated based on the account information of the resource receiving mechanism corresponding to the resource transfer task and the information of the associated product in the generation interface of the instant messaging client corresponding to the resource receiving mechanism is obtained, the information corresponding to the resource transfer task is displayed in the instant messaging client, then the confirmation of the verification of the information corresponding to the resource transfer task by the resource transfer control is triggered, the resource transfer control is triggered after the verification of the information corresponding to the resource transfer task is passed, the resource transfer task is executed, and the accuracy and the reliability of resource transfer are improved on the basis of guaranteeing the comprehensiveness of the information in the resource transfer process.

The following describes an embodiment of an apparatus of the present application, which can be used to execute the method for transferring resources based on instant messaging in the foregoing embodiment of the present application. It will be appreciated that the apparatus may be a computer program (comprising program code) running on a computer device, for example an application software; the apparatus may be used to perform the corresponding steps in the methods provided by the embodiments of the present application. For details that are not disclosed in the embodiments of the apparatus of the present application, please refer to the embodiments of the resource transfer method based on instant messaging described above.

Fig. 20 shows a block diagram of an instant messaging based resource transfer device according to an embodiment of the present application.

Referring to fig. 20, an instant messaging based resource transfer device 2000 according to an embodiment of the present application includes: a generating interface unit 2010, configured to display a generating interface of a resource transfer task in an instant messaging client when a generating instruction of the resource transfer task is received in the instant messaging client; the account association unit 2020 is configured to display at least part of account information of the resource receiving mechanism corresponding to the resource transfer task in the generation interface; a product association unit 2030, configured to display information of an associated product corresponding to the resource transfer task in the generation interface; a task information unit 2040, configured to determine resource transfer task information including the account information and information of the associated product in response to a resource transfer initiation operation triggered in the generation interface; and the task sending unit 2050 is configured to send the resource transfer task information to the resource output party in an instant messaging manner.

In some embodiments of the present application, based on the foregoing solution, the task sending unit 2050 is configured to: generating an instant communication message corresponding to the resource transfer task based on the resource transfer task information; and sending the instant communication message to the resource output party based on an instant communication client corresponding to the resource receiving mechanism and an intercommunication message background between the instant communication clients corresponding to the resource output party.

In some embodiments of the present application, based on the foregoing scheme, the product association unit 2030 includes: the product interface unit is used for triggering a product control in the generated interface so as to jump to the product interface; the product selection unit is used for acquiring the information of the associated product corresponding to the current resource transfer from the product interface; and the product display unit is used for displaying the information of the associated product in the generation interface.

In some embodiments of the present application, based on the foregoing solution, the instant messaging based resource transfer device 2000 is further configured to: acquiring a resource transfer record of a server corresponding to the resource receiving mechanism in a resource transfer process aiming at the resource receiving mechanism; displaying at least one of the following information in an interface of an instant messaging client corresponding to the resource receiving mechanism: the resource transfer records, the number of resource transfer initiators belonging to the resource receiving mechanism, the total amount of resources obtained by the resource receiving mechanism, and the number of times of resource transfer.

In some embodiments of the present application, based on the foregoing solution, the instant messaging based resource transfer device 2000 is further configured to: triggering a control corresponding to the resource transfer record in an interface of an instant messaging client corresponding to the resource receiving mechanism, and displaying a resource transfer list sent by a resource transfer initiator belonging to the resource receiving mechanism; and counting the resource transfer condition of each resource transfer initiator based on the resource transfer list sent by the resource transfer initiators.

In some embodiments of the present application, based on the foregoing solution, the instant messaging based resource transfer device 2000 is further configured to: acquiring detail triggering information aiming at a target resource transfer task; skipping from the display interface of the resource transfer list to a detail display interface of the target resource transfer task, wherein the detail display interface comprises at least one of the following information: resource transfer state, resource transfer time, resource transfer task identifier, resource receiving mechanism identifier, associated product information, and resource transfer initiator information.

Fig. 21 shows a block diagram of an instant messaging based resource transfer device according to an embodiment of the present application.

Referring to fig. 21, an instant messaging based resource transfer apparatus 2100 according to an embodiment of the present application includes: the task obtaining unit 2110 is configured to obtain a resource transfer task sent by a resource transfer initiating terminal in an instant messaging manner, where the resource transfer task is generated based on account information of a resource receiving mechanism and information of a related product, which correspond to the resource transfer task, in a generation interface of an instant messaging client corresponding to the resource transfer initiating terminal; a task display unit 2120, configured to display information corresponding to the resource transfer task in an instant messaging client, where the information corresponding to the resource transfer task includes at least one of the following information: the resource transfer amount, the account information of the resource receiving mechanism to which the resource transfer initiator belongs, and the information of the associated product corresponding to the resource transfer task; the task execution unit 2130 is configured to execute the resource transfer task in response to a resource transfer operation triggered in the interface.

In some embodiments of the present application, based on the foregoing solution, the task execution unit 2130 is configured to: verifying information corresponding to the resource transfer task; after the information corresponding to the resource transfer task passes verification, displaying verification passing information in an interface; and responding to the resource transfer operation triggered in the interface, and executing the resource transfer task.

In some embodiments of the present application, based on the foregoing solution, the task execution unit 2130 is configured to: sending the information corresponding to the resource transfer task to a server so that the server verifies the information corresponding to the resource transfer task; obtaining a verification result returned by the server, and displaying the verification result in an interface, wherein the verification result comprises verification passing information; and responding to the resource transfer operation triggered in the interface, and executing the resource transfer task.

In some embodiments of the present application, based on the foregoing solution, the information corresponding to the resource transfer task includes credit information of the resource transfer initiator and credit information of the resource receiving mechanism; the task presenting unit 2120 is configured to: acquiring credit information of the resource transfer initiator and credit information of the resource receiving mechanism; determining a credit level corresponding to the credit information of the resource transfer initiator and a credit level corresponding to the credit information of the resource receiving institution based on a set credit evaluation mode; and displaying the credit level corresponding to the credit information of the resource transfer initiator and the credit level corresponding to the credit information of the resource receiving mechanism in an interface of the instant messaging client based on a display mode corresponding to the credit level.

In some embodiments of the present application, based on the foregoing scheme, the instant messaging based resource transfer device 2100 is further configured to: generating credit risk prompt information when the credit level of the resource receiving mechanism is lower than a level threshold; displaying the risk prompt information and the resource transfer prompt information in an interface; and when the resource transfer operation triggered by the resource transfer prompt information is acquired, executing the resource transfer task.

In some embodiments of the present application, based on the foregoing scheme, the instant messaging based resource transfer device 2100 is further configured to: after the execution of the resource transfer task is completed, resource transfer task completion information is generated; and sending the resource transfer task completion information to the resource transfer initiating terminal based on an intercommunication message background between the instant communication client corresponding to the resource receiving mechanism and the instant communication client corresponding to the resource output party.

It should be noted that the computer system 2200 of the electronic device shown in fig. 22 is only an example, and should not bring any limitation to the functions and the use range of the embodiment of the present application.

As shown in fig. 22, the computer system 2200 includes a Central Processing Unit (CPU)2201, which can perform various appropriate actions and processes, such as performing the methods described in the above embodiments, according to a program stored in a Read-Only Memory (ROM) 2202 or a program loaded from a storage portion 2208 into a Random Access Memory (RAM) 2203. In the RAM2203, various programs and data necessary for system operation are also stored. The CPU2201, ROM2202, and RAM2203 are connected to each other through a bus 2204. An Input/Output (I/O) interface 2205 is also connected to bus 2204.

The following components are connected to the I/O interface 2205: an input portion 2206 including a keyboard, a mouse, and the like; an output portion 2207 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, a speaker, and the like; a storage portion 2208 including a hard disk and the like; and a communication section 2209 including a Network interface card such as a LAN (Local Area Network) card, a modem, or the like. The communication section 2209 performs communication processing via a network such as the internet. A drive 2210 is also connected to the I/O interface 2205 as needed. A removable medium 2211, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like, is mounted on the drive 2210 as necessary, so that a computer program read out therefrom is installed into the storage portion 2208 as necessary.

In particular, according to embodiments of the present application, the processes described above with reference to the flow diagrams may be implemented as computer software programs. For example, embodiments of the present application include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising a computer program for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 2209, and/or installed from the removable medium 2211. When the computer program is executed by a Central Processing Unit (CPU)2201, various functions defined in the system of the present application are executed.

It should be noted that the computer readable medium shown in the embodiments of the present application may be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a Read-Only Memory (ROM), an Erasable Programmable Read-Only Memory (EPROM), a flash Memory, an optical fiber, a portable Compact disc Read-Only Memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present application, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In this application, however, a computer readable signal medium may include a propagated data signal with a computer program embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. The computer program embodied on the computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present application. Each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The units described in the embodiments of the present application may be implemented by software, or may be implemented by hardware, and the described units may also be disposed in a processor. Wherein the names of the elements do not in some way constitute a limitation on the elements themselves.

According to an aspect of the application, a computer program product or computer program is provided, comprising computer instructions, the computer instructions being stored in a computer readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions to cause the computer device to perform the method provided in the various alternative implementations described above.

As another aspect, the present application also provides a computer-readable medium, which may be contained in the electronic device described in the above embodiments; or may exist separately without being assembled into the electronic device. The computer readable medium carries one or more programs which, when executed by an electronic device, cause the electronic device to implement the method described in the above embodiments.

It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the application. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.

Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiments of the present application can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which can be a personal computer, a server, a touch terminal, or a network device, etc.) to execute the method according to the embodiments of the present application.

Other embodiments of the present application will be apparent to those skilled in the art from consideration of the specification and practice of the embodiments disclosed herein. This application is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains.

It will be understood that the present application is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the application is limited only by the appended claims.

Claims

1. A resource transfer method based on instant messaging is characterized by comprising the following steps:

when a generation instruction of a resource transfer task is received in an instant messaging client, displaying a generation interface of the resource transfer task in the instant messaging client;

displaying at least part of account information of the resource receiving mechanism corresponding to the resource transfer task in the generation interface;

displaying information of the associated product corresponding to the resource transfer task in the generation interface;

in response to a resource transfer starting operation triggered in the generation interface, determining resource transfer task information including the account information and information of associated products;

and sending the resource transfer task information to a resource output party in an instant messaging manner.

2. The method of claim 1, wherein sending the resource transfer task information to a resource output party by instant messaging comprises:

generating an instant communication message corresponding to the resource transfer task based on the resource transfer task information;

and sending the instant communication message to the resource output party based on an instant communication client corresponding to the resource receiving mechanism and an intercommunication message background between the instant communication clients corresponding to the resource output party.

3. The method of claim 1, wherein displaying information of associated products corresponding to the resource transfer task in the generation interface comprises:

triggering a product control in the generation interface to jump to a product interface;

acquiring information of a related product corresponding to the current resource transfer in the product interface;

and displaying the information of the associated product in the generation interface.

4. The method according to claim 3, wherein the information of the associated product comprises a total amount of resources corresponding to the associated product and offer information;

displaying information of the associated product in the generation interface, including:

determining the resource transfer quantity corresponding to the associated product based on the total resource quantity corresponding to the associated product and the discount information;

and loading the resource transfer quantity corresponding to the associated product in the generation interface.

5. The method of claim 1, wherein sending the resource transfer task information to a resource output party by instant messaging comprises:

generating a task link based on the resource transfer task, and storing the task link;

and when a request for the associated product initiated by other resource output parties is acquired, the resource transfer task information is sent to the resource output parties in an instant messaging manner based on the task link.

6. The method of claim 1, further comprising:

acquiring a resource transfer record of a server corresponding to the resource receiving mechanism in a resource transfer process aiming at the resource receiving mechanism;

displaying at least one of the following information in an interface of an instant messaging client corresponding to the resource receiving mechanism: the resource transfer record, the number of resource transfer initiators belonging to the resource receiving mechanism, the total amount of the resources obtained by the resource receiving mechanism, and the number of resource transfer times.

7. The method of claim 1, further comprising:

triggering a control corresponding to the resource transfer record in an interface of an instant messaging client corresponding to the resource receiving mechanism, and displaying a resource transfer list sent by a resource transfer initiator belonging to the resource receiving mechanism;

and counting the resource transfer condition of each resource transfer initiator based on the resource transfer list sent by the resource transfer initiators.

8. The method of claim 7, wherein after presenting a resource transfer list issued by a resource transfer originator belonging to the resource receiving mechanism, the method further comprises:

acquiring detail triggering information aiming at a target resource transfer task;

skipping from the display interface of the resource transfer list to a detail display interface of the target resource transfer task, wherein the detail display interface comprises at least one of the following information: resource transfer state, resource transfer time, resource transfer task identifier, resource receiving mechanism identifier, associated product information, and resource transfer initiator information.

9. The method of claim 1, wherein the resource transfer task information is a boarder link generated in an instant messaging client corresponding to a resource receiving mechanism.

10. A resource transfer method based on instant messaging is characterized by comprising the following steps:

acquiring a resource transfer task sent by a resource transfer initiating terminal in an instant messaging manner, wherein the resource transfer task is generated in a generation interface of an instant messaging client corresponding to the resource transfer initiating terminal based on account information of a resource receiving mechanism corresponding to the resource transfer task and information of a related product;

displaying information corresponding to the resource transfer task in an instant messaging client, wherein the information corresponding to the resource transfer task comprises at least one of the following information: the resource transfer amount, the account information of the resource receiving mechanism to which the resource transfer initiator belongs, and the information of the associated product corresponding to the resource transfer task;

and responding to the resource transfer operation triggered in the interface, and executing the resource transfer task.

11. The method of claim 10, wherein executing the resource transfer task in response to a resource transfer operation triggered in an interface comprises:

verifying information corresponding to the resource transfer task;

after the information corresponding to the resource transfer task passes verification, displaying verification passing information in an interface;

12. The method of claim 10, wherein executing the resource transfer task in response to a resource transfer operation triggered in an interface comprises:

sending the information corresponding to the resource transfer task to a server so that the server verifies the information corresponding to the resource transfer task;

obtaining a verification result returned by the server, and displaying the verification result in an interface, wherein the verification result comprises verification passing information;

13. The method according to claim 10, wherein the information corresponding to the resource transfer task includes credit information of the resource transfer initiator and credit information of the resource receiving institution;

in the instant communication client, displaying information corresponding to the resource transfer task, including:

acquiring credit information of the resource transfer initiator and credit information of the resource receiving mechanism;

determining a credit level corresponding to the credit information of the resource transfer initiator and a credit level corresponding to the credit information of the resource receiving institution based on a set credit evaluation mode;

and displaying the credit level corresponding to the credit information of the resource transfer initiator and the credit level corresponding to the credit information of the resource receiving mechanism in an interface of the instant messaging client based on a display mode corresponding to the credit level.

14. The method of claim 11, further comprising:

generating credit risk prompt information when the credit level of the resource receiving mechanism is lower than a level threshold;

displaying the risk prompt information and the resource transfer prompt information in an interface;

and executing the resource transfer task when the resource transfer operation triggered by the resource transfer prompt information is acquired.

15. The method of claim 10, after performing the resource transfer task, further comprising:

after the execution of the resource transfer task is completed, resource transfer task completion information is generated;

and sending the resource transfer task completion information to the resource transfer initiating terminal based on an intercommunication message background between the instant communication client corresponding to the resource receiving mechanism and the instant communication client corresponding to the resource output party.

16. An instant messaging-based resource transfer device, comprising:

the system comprises a generation interface unit, a resource transfer unit and a resource transfer unit, wherein the generation interface unit is used for displaying a generation interface of a resource transfer task in an instant messaging client when a generation instruction of the resource transfer task is received in the instant messaging client;

the account association unit is used for displaying at least part of account information of the resource receiving mechanism corresponding to the resource transfer task in the generation interface;

the product association unit is used for displaying information of an associated product corresponding to the resource transfer task in the generation interface;

the task information unit is used for responding to the resource transfer starting operation triggered in the generation interface and determining resource transfer task information comprising the account information and the information of the associated products;

and the task sending unit is used for sending the resource transfer task information to a resource output party in an instant messaging manner.

17. An instant messaging-based resource transfer device, comprising:

the resource transfer system comprises a task obtaining unit, a resource transfer initiating terminal and a resource receiving mechanism, wherein the task obtaining unit is used for obtaining a resource transfer task sent by the resource transfer initiating terminal in an instant messaging manner, and the resource transfer task is generated based on account information of a resource receiving mechanism corresponding to the resource transfer task and information of a related product in a generation interface of an instant messaging client corresponding to the resource transfer initiating terminal;

the task display unit is used for displaying the information corresponding to the resource transfer task in the instant messaging client, wherein the information corresponding to the resource transfer task comprises at least one of the following information: the resource transfer amount, the account information of the resource receiving mechanism to which the resource transfer initiator belongs, and the information of the associated product corresponding to the resource transfer task;

and the task execution unit is used for responding to the resource transfer operation triggered in the interface and executing the resource transfer task.

18. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out a method for instant messaging based resource transfer according to any one of claims 1 to 15.

19. An electronic device, comprising:

one or more processors;

storage means for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to carry out the method of instant messaging based resource transfer according to any one of claims 1 to 15.