CN110880107B

CN110880107B - Financial resource transfer method, device, computer equipment and storage medium

Info

Publication number: CN110880107B
Application number: CN201911080428.0A
Authority: CN
Inventors: 杨锐; 赵东生; 朱婧; 李成鸿
Original assignee: Southern Power Grid Digital Grid Research Institute Co Ltd; CSG Finance Co Ltd
Current assignee: Southern Power Grid Digital Grid Research Institute Co Ltd; CSG Finance Co Ltd
Priority date: 2019-11-07
Filing date: 2019-11-07
Publication date: 2022-11-11
Anticipated expiration: 2039-11-07
Also published as: CN110880107A

Abstract

The application relates to a financial resource transfer method, a financial resource transfer device, a computer device and a storage medium. The method comprises the following steps: the server judges whether the resource transfer request meets a preset resource transfer condition by receiving the resource transfer request sent by the resource transfer-out end, if the resource transfer request meets the resource transfer condition, a target transfer channel is selected according to the account information of the resource receiving end, and resources are transferred to the account of the resource receiving end through the target transfer channel according to the resource transfer request. According to the resource transfer method and device, after the server receives the resource transfer request, whether the resource transfer request meets the preset resource transfer condition is judged, and therefore the risk occurrence rate in the resource transfer process is reduced; the target transfer channel is optimally selected to transfer the resources, so that the timeliness and the success rate of resource transfer are improved.

Description

Financial resource transfer method, device, computer equipment and storage medium

Technical Field

The present application relates to the field of internet technologies, and in particular, to a financial resource transfer method, apparatus, computer device, and storage medium.

Background

The fund payment is an important business of a financial company, millions of funds are paid from the financial company every year, the related funds are trillion in scale, and the timely and safe payment of the funds is guaranteed to become a key point in the fund payment process.

At present, fund payment is processed manually one by one, and for small businesses, the payment efficiency is improved through manual batch processing. However, with the annual increase of the settlement amount and the expansion of payment services, the settlement timeliness becomes a difficult problem every time the settlement peak is at the end of the month or at the end of the year; meanwhile, the monitoring of bank account funds also adopts a manual mode.

In conclusion, in the process of fund payment, the payment timeliness rate of the existing manual processing mode is low, and the problem that risks in the process of fund payment cannot be identified in advance is difficult to meet the requirements of customers.

Disclosure of Invention

In view of the foregoing, it is necessary to provide a financial resource transfer method, apparatus, computer device and storage medium.

In a first aspect, the present application provides a financial resource transfer method, including:

receiving a resource transfer request sent by a resource transfer-out end; the resource transfer request carries information of a resource transfer-out end, account information of the resource transfer-out end, a resource transfer value, information of a resource receiving end and account information of the resource receiving end;

judging whether the resource transfer request meets a preset resource transfer condition;

if the resource transfer request meets the resource transfer condition, selecting a target transfer channel according to the account information of the resource receiving end, and transferring the resource to the account of the resource receiving end through the target transfer channel according to the resource transfer request.

In one embodiment, the resource transfer condition includes at least one of a project budget resource value condition, a resource planning condition of the resource transfer-out end, an account value condition of the resource transfer-out end, and a validity condition of the resource receiving end.

In one embodiment, the resource transfer condition includes a project budget resource value condition, and the determining whether the resource transfer request meets a preset resource transfer condition includes:

acquiring a budget resource value of the project according to the information of the resource transfer-out end;

judging whether the resource transfer value is larger than the budget resource value of the project or not;

if the resource transfer value is larger than the budget resource value of the project, determining that the resource transfer request does not meet the preset resource transfer condition;

and if the resource transfer value is not greater than the budget resource value of the project, determining that the resource transfer request meets the preset resource transfer condition.

In one embodiment, the determining whether the resource transfer request meets a preset resource transfer condition includes:

acquiring a current resource plan transfer-out value of the resource transfer-out end according to the information of the resource transfer-out end;

judging whether the resource transfer value is larger than the current resource plan transfer-out value;

if the resource transfer value is larger than the current resource plan transfer-out value, determining that the resource transfer request does not meet the preset resource transfer condition;

and if the resource transfer value is not greater than the current resource plan transfer-out value, determining that the resource transfer request meets the preset resource transfer condition.

In one embodiment, the determining whether the resource transfer request meets the preset resource transfer condition includes:

acquiring a resource value in an account of the resource transfer-out terminal according to the account information of the resource transfer-out terminal;

judging whether the resource transfer value is larger than the resource value in the account of the resource transfer-out end;

if the resource transfer value is larger than the resource value in the account of the resource transfer-out end, determining that the resource transfer request does not meet the preset resource transfer condition;

and if the resource transfer value is not greater than the resource value in the account of the resource transfer-out end, determining that the resource transfer request meets the preset resource transfer condition.

acquiring an illegal account list in a preset time period;

judging whether the account number of the resource receiving end is in an illegal account number list or not;

if the account number of the resource receiving end is in the illegal account number list, determining that the resource transfer request does not meet the preset resource transfer condition;

and if the account number of the resource receiving end is not in the illegal account number list, determining that the resource transfer request meets the preset resource transfer condition.

In one embodiment, the selecting the destination transfer channel according to the account information of the resource receiving end includes:

determining the account type of the resource receiving terminal according to the account information of the resource receiving terminal;

judging whether a transfer channel with the same account type as the resource receiving end exists or not;

if a transfer channel with the same account number type as the resource receiving end exists, determining the transfer channel with the same account number type as the resource receiving end as a target transfer channel;

and if the transfer channel with the same account number type as the resource receiving end does not exist, determining a target channel according to the account number area of the resource receiving end and the state of the transfer channel.

In one embodiment, the determining the destination channel according to the account number region of the resource receiving end and the state of the transfer channel includes:

determining an account number area of the resource receiving end according to the information of the resource receiving end;

judging whether a transfer channel which belongs to the same region with the account number region of the resource receiving end exists or not;

if a transfer channel which belongs to the same region as the account number region of the resource receiving end exists, determining the transfer channel which belongs to the same region as the account number region of the resource receiving end as a target transfer channel;

and if the transfer channel which belongs to the same region as the account number region of the resource receiving end does not exist, determining the transfer channel in the idle state as a target transfer channel.

In one embodiment, after the resource is transferred to the account at the resource receiving end through the destination transfer channel according to the resource transfer request, the method further includes:

acquiring a resource transfer log; the resource transfer log comprises resource transfer results of all transfer channels;

and counting the transfer success rate of each transfer channel according to the resource transfer log, and storing the transfer success rate of the transfer channels.

In a second aspect, the present application provides an apparatus for transferring financial resources, the apparatus comprising:

the receiving module is used for receiving a resource transfer request sent by the resource transfer-out end; the resource transfer request carries information of a resource transfer-out end, account information of the resource transfer-out end, a resource transfer value, information of a resource receiving end and account information of the resource receiving end;

the judging module is used for judging whether the resource transfer request meets the preset resource transfer condition;

and the transfer module is used for selecting a target transfer channel according to the account information of the resource receiving end if the resource transfer request meets the resource transfer condition, and transferring the resource to the account of the resource receiving end through the target transfer channel according to the resource transfer request.

In a third aspect, a computer device is provided, which includes a memory and a processor, where the memory stores a computer program, and the processor implements the financial resource transfer method provided in any one of the embodiments of the first aspect when executing the computer program.

In a fourth aspect, a computer-readable storage medium is provided, on which a computer program is stored, which, when executed by a processor, implements the financial resource transfer method provided in any one of the embodiments of the first aspect.

According to the financial resource transfer method, the financial resource transfer device, the computer equipment and the storage medium, the server judges whether the resource transfer request meets the preset resource transfer condition by receiving the resource transfer request sent by the resource transfer end, wherein the resource transfer request carries the information of the resource transfer end, the account information of the resource transfer end, the resource transfer value, the information of the resource receiving end and the account information of the resource receiving end, if the resource transfer request meets the resource transfer condition, a target transfer channel is selected according to the account information of the resource receiving end, and the resource is transferred to the account of the resource receiving end through the target transfer channel according to the resource transfer request. According to the resource transfer method and the resource transfer system, after the server receives the resource transfer request of the resource transfer-out end, in the resource transfer process, whether the resource transfer request meets the resource transfer condition is judged, the risk occurrence rate in the resource transfer process is reduced, the target transfer channel is preferably selected for resource transfer, and the timeliness rate and the success rate of resource transfer are improved.

Drawings

FIG. 1 is a diagram of an application environment of a financial resource transfer method in one embodiment;

FIG. 2 is a schematic flow chart diagram illustrating a method for transferring financial resources in one embodiment;

FIG. 3 is a schematic flow chart diagram illustrating a financial resource transfer method according to another embodiment;

FIG. 4 is a schematic flow chart diagram illustrating a financial resource transfer method according to another embodiment;

FIG. 5 is a flowchart illustrating a financial resource transfer method according to another embodiment;

FIG. 6 is a flowchart illustrating a method for transferring financial resources according to another embodiment;

FIG. 7 is a flowchart illustrating a method for transferring financial resources according to another embodiment;

FIG. 8 is a flowchart illustrating a financial resource transfer method according to another embodiment;

FIG. 9 is a flowchart illustrating a financial resource transfer method according to another embodiment;

FIG. 10 is a schematic flowchart of the entire financial resource transfer method in another embodiment;

FIG. 11 is a block diagram of a financial resource transfer apparatus according to one embodiment;

FIG. 12 is a block diagram showing the construction of a financial resource transfer apparatus according to another embodiment;

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

Detailed Description

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

The financial resource transfer method provided by the application can be applied to the application environment shown in fig. 1. Fig. 1 provides a computer device, which may be a server or a terminal, and its internal structure diagram may be as shown in fig. 1. The computer device includes a processor, a memory, a network interface, a display screen, and an input device connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a financial resource transfer method. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on a shell of the computer equipment, an external keyboard, a touch pad or a mouse and the like.

The following describes in detail the technical solutions of the present application and how the technical solutions of the present application solve the above technical problems by embodiments and with reference to the drawings. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. It should be noted that, in the financial resource transfer method provided in the embodiments of fig. 2 to fig. 10 of the present application, the execution subject may be a server, such as a financial resource transfer server, or may be a financial resource transfer apparatus, which may become part or all of the financial resource transfer server through software, hardware, or a combination of software and hardware. In the following method embodiments, the execution subject is the financial resource transfer server, which is taken as an example for explanation.

In one embodiment, as shown in fig. 2, a financial resource transfer method is provided, which is described by taking the method as an example applied to the server in fig. 1, and includes the following steps:

s201, receiving a resource transfer request sent by a resource transfer-out end; the resource transfer request carries information of the resource transfer-out terminal, account information of the resource transfer-out terminal, a resource transfer value, information of the resource receiving terminal and account information of the resource receiving terminal.

The resource transfer request refers to that when the resource transfer end generates a resource transfer instruction, the server receives the resource transfer request from the resource transfer end. The information of the resource transferring-out end can comprise current project information of the resource transferring-out end, current plan numerical value information of the resource transferring-out end, identity information of the resource transferring-out end and the like; the account information of the resource transferring-out end refers to the information of a resource transferring-out account in the current resource transferring request, the numerical information of the account and the like can be obtained according to the account information, and the numerical information of the account refers to the remaining transferring limit information of the account; the resource transfer value refers to a resource value required to be transferred in the current resource transfer request; the information of the resource receiving end can comprise identity information of the resource receiving end, area information of the resource receiving end and the like; the account information of the resource receiving end refers to information of a resource receiving account in the current resource transfer request, and the type of the account information can be acquired according to the account information, which is not limited in the application.

In this embodiment, the server receives a current resource transfer request, and exemplarily, the resource transfer request may carry related information of a resource transfer-out end and related information of a resource receiving end, where the information of the resource transfer-out end may include "XXXX science and technology company", "current project budget is 60 ten thousand", "current plan value is 80 ten thousand", and the like; the account information of the resource transfer-out terminal comprises 6013XXXXXXXXXXX 122 and 100 ten thousand of residual transfer limit; the resource transfer value is '50 ten thousand' and the like; the information of the resource receiving end can comprise 'XXXX stock responsibility company', 'the area is a area' and the like; the account information of the resource receiving end may include "6226XXXXXXXXXXXX554", "the account type is bank a", and the like, which is not limited in this embodiment.

S202, judging whether the resource transfer request meets a preset resource transfer condition.

The preset resource transfer condition refers to a preset judgment condition for a risk condition possibly generated in the resource transfer process, that is, the resource transfer condition is used for judging the risk condition in the resource transfer process. The risk condition may include that the resource transfer value is greater than the project budget value to which the resource transfer value belongs, the resource transfer value is greater than the preset planned transfer value, the resource transfer value is greater than the remaining resource value in the account, the resource receiving end is in an illegal list, and other risk conditions that may cause the resource transfer failure.

In this embodiment, after receiving a resource transfer request from a resource transfer-out terminal, a server determines whether the resource transfer request satisfies a resource transfer condition according to corresponding information carried in the resource transfer request. For example, the server may determine the account number condition of the resource transfer terminal for the resource transfer request, and as described in the same example above, the server obtains the account number "100 ten thousand remaining transfer credit" of the resource transfer terminal according to the account number information "6013xxxxxxxx 122" of the resource transfer terminal, and determines whether the resource transfer number "50 ten thousand" is greater than "100 ten thousand remaining transfer credit"; or the server acquires an illegal account list according to the information of the resource receiving terminal, and judges whether the account of the resource receiving terminal is in the illegal account list or not through searching and comparison; alternatively, the server may perform other customized resource transfer condition determination on the resource transfer request, for example, the resource transfer condition is set as the reason for resource transfer as the reason for sufficient work, the server obtains the reason for resource transfer according to the information of the resource transfer end, and determines whether the reason satisfies the condition of the reason for sufficient work, which is not limited in this embodiment.

And S203, if the resource transfer request meets the resource transfer condition, selecting a target transfer channel according to the account information of the resource receiving terminal, and transferring the resource to the account of the resource receiving terminal through the target transfer channel according to the resource transfer request.

The destination transfer channel refers to a channel used by the server for resource transfer in the resource transfer process. The destination transfer channel may be a channel of the same type as the account number of the resource receiving end, or a channel in the same area as the resource receiving end, or an idle channel in the current resource transfer process, or a default channel during server initialization, or may be an available channel selected randomly, which is not limited in the embodiment of the present application.

In this embodiment, the server may select a destination transfer channel according to the account information of the resource receiving end by a priority order, specifically, preferentially select a channel of the same type as the account of the resource receiving end to determine the destination transfer channel, select a channel in the same area as the resource receiving end to determine the destination transfer channel if the channel of the same type does not exist, and determine an idle channel/default channel as the destination transfer channel if the channel of the same area does not exist; alternatively, one or a combination of multiple other manners may be selected at will to determine the destination branch channel, that is, the above several channel judgments may not have a timing and a priority, which is not limited in this embodiment.

In the resource transfer method, the server receives a resource transfer request sent by a resource transfer end, wherein the resource transfer request carries information of the resource transfer end, account information of the resource transfer end, a resource transfer value, information of a resource receiving end and account information of the resource receiving end, and judges whether the resource transfer request meets a preset resource transfer condition, if the resource transfer request meets the resource transfer condition, a target transfer channel is selected according to the account information of the resource receiving end, and resources are transferred to the account of the resource receiving end through the target transfer channel according to the resource transfer request. According to the resource transfer method and the resource transfer system, after the server receives the resource transfer request of the resource transfer-out end, in the resource transfer process, whether the resource transfer request meets the preset resource transfer condition or not is judged, the risk occurrence rate in the resource transfer process is reduced, the target transfer channel is determined to transfer the resource, and the timeliness rate and the success rate of resource transfer are improved.

In an embodiment, the resource transfer condition includes at least one of a project budget resource value condition, a resource planning condition of the resource transfer-out end, an account value condition of the resource transfer-out end, and a validity condition of the resource receiving end.

The project budget resource numerical value condition refers to a judgment condition for judging whether the resource transfer numerical value is larger than a project pre-selection resource numerical value; the resource planning condition of the resource transferring-out end refers to a judgment condition for judging whether the resource transferring value is larger than the resource planning value of the resource transferring-out end; the account number condition of the resource transfer-out end is a judgment condition for judging whether the resource transfer number is larger than the resource number in the account; the validity condition of the resource receiving end refers to a determination condition for determining whether an account of the resource receiving end is in an illegal account list, which is not limited in this embodiment.

Optionally, in an embodiment, the exported resource value cannot exceed the resource value of the project budget, as shown in fig. 3, where the resource transfer condition includes a project budget resource value condition, and the step 202 "determining whether the resource transfer request meets the preset resource transfer condition" includes:

s301, acquiring the budget resource value of the project according to the information of the resource transfer-out end.

The budget resource value of the item is a budget resource value set when the item to which the resource transfer request belongs is declared.

In this embodiment, when the server receives the resource transfer request, the server obtains the information carried in the resource transfer request, for example, the information of the resource transfer-out end includes "XXXX science and technology company", "current project budget is 60 ten thousand", "current plan value is 80 ten thousand", and the value of the budget resource obtained by the server for the corresponding project is "60 ten thousand", which is not limited in this embodiment.

S302, judging whether the resource transfer value is larger than the budget resource value of the project, if so, executing a step 303; if the resource transfer value is not greater than the budget resource value for the project, then step 304 is performed.

In this embodiment, the same example as described above illustrates that, in the current resource transfer request, the resource transfer value is "50 ten thousand", the budget resource value of the project that the server acquires at the resource transfer end is "60 ten thousand", the server compares and judges that the resource transfer value is "50 ten thousand" and the budget resource value of the project is "60 ten thousand", and since "50 ten thousand" is less than "60 ten thousand", that is, the resource transfer value is less than the budget resource value of the project, it is determined that the resource transfer request meets the preset resource transfer condition; if the resource transfer value is "50 ten thousand", the server obtains that the budget resource value of the item to which the resource transfer end belongs is "40 ten thousand", and since "50 ten thousand" is greater than "40 ten thousand", that is, the resource transfer value is greater than the budget resource value of the item, it is determined that the resource transfer request does not satisfy the preset resource transfer condition, which is not limited in this embodiment.

S303, determining that the resource transfer request does not meet the preset resource transfer condition.

In this embodiment, for example, the budget resource value of the item that the server acquires at the resource transfer-out end is "20 ten thousand", if the resource transfer value in the current resource transfer request is "50 ten thousand", the server compares and determines that the resource transfer value is "50 ten thousand" and the budget resource value of the item is "20 ten thousand", and the budget resource value that the resource transfer value is "50 ten thousand" and is greater than the item is "20 ten thousand", it is determined that the resource transfer value does not meet the budget requirement of the item, and the server determines that the resource transfer request does not meet the preset resource transfer condition.

S304, determining that the resource transfer request meets the preset resource transfer condition.

In this embodiment, the same example is described above, where the budget resource value of the project that the server acquires at the resource transfer-out end is "60 ten thousand", and if the resource transfer value in the current resource transfer request is "50 ten thousand", the server compares and judges that the resource transfer value is "50 ten thousand" and the budget resource value of the project is "60 ten thousand", and obtains that the resource transfer value "50 ten thousand" is smaller than the budget resource value of the project that is "60 ten thousand", it is determined that the resource transfer value meets the budget requirement of the project, and the server determines that the resource transfer request meets the preset resource transfer condition.

In this embodiment, in the resource transfer process, the server determines and compares the transfer value in the resource transfer request according to the budget resource value of the project to which the resource transfer end belongs, so as to normalize the resource transfer value by the budget resource value, thereby avoiding the risk that the resource transfer cannot be performed due to the insufficient budget resource value of the project in the resource transfer process.

Optionally, in an embodiment, the step 202 of "determining whether the resource transfer request meets the preset resource transfer condition" includes:

s401, obtaining a current resource plan transfer-out value of the resource transfer-out end according to the information of the resource transfer-out end.

The current resource plan transferring value refers to a remaining plan value of resource transferring in a time period preset by the resource transferring end, for example, the resource transferring end sets the resource transferring plan value to be 500 ten thousand in an original month, and after several resource transferring, when the server processes the current resource transferring request, the current remaining plan value of the resource transferring end is 40 ten thousand.

In this embodiment, for example, the server receives the information of the resource transfer-out end, where the information of the resource transfer-out end may include "XXXX science and technology company", "current project budget is 80 ten thousand", and "current plan numerical value is 40 ten thousand", and the server may obtain, from the information, that the current resource plan transfer-out numerical value is "40 ten thousand", which is not limited in this embodiment.

S402, judging whether the resource transfer value is larger than the current resource plan roll-out value or not, and executing a step 403 if the resource transfer value is larger than the current resource plan roll-out value; if the resource transfer value is not greater than the current resource plan roll-out value, then step 404 is performed.

In this embodiment, the same example is described above, where a resource transfer value in the current resource transfer request is "50 ten thousand", a current resource plan transfer-out value obtained by the server at the resource transfer-out end is "40 ten thousand", and the server compares and judges that the resource transfer value is "50 ten thousand" and the current resource plan transfer-out value is "40 ten thousand", and since "50 ten thousand" is greater than "40 ten thousand", that is, the resource transfer value is greater than the current resource plan transfer-out value, it is determined that the resource transfer request does not satisfy the preset resource transfer condition; if the resource transfer value is "50 ten thousand", the server obtains that the current resource plan transfer value of the resource transfer-out end is "80 ten thousand", and since "50 ten thousand" is smaller than "80 ten thousand", that is, the resource transfer value is greater than the budget resource value of the project, it is determined that the resource transfer request does not meet the preset resource transfer condition, which is not limited in this embodiment.

S403, determining that the resource transfer request does not meet the preset resource transfer condition.

In this embodiment, the same example is described above, where a current resource planned transfer value obtained by the server at the resource transfer end is "40 ten thousand", and if a resource transfer value in the current resource transfer request is "50 ten thousand", the server compares and judges that the resource transfer value is "50 ten thousand" and an account number value of the resource transfer end is "40 ten thousand", and obtains that the resource transfer value "50 ten thousand" is greater than the account number value of the resource transfer end "40 ten thousand", it is determined that the resource transfer request does not satisfy the preset resource transfer condition.

S404, determining that the resource transfer request meets a preset resource transfer condition.

In this embodiment, as an example, if the current resource plan transfer value obtained by the server at the resource transfer-out end is "80 ten thousand", and if the resource transfer value in the current resource transfer request is "50 ten thousand", the server compares and judges that the resource transfer value is "50 ten thousand" and the account number value of the resource transfer-out end is "80 ten thousand", and obtains that the resource transfer value "50 ten thousand" is smaller than the account number value of the resource transfer-out end "80 ten thousand", it is determined that the resource transfer request meets the preset resource transfer condition.

In this embodiment, in the resource transfer process, the server determines and compares the transfer value in the resource transfer request according to the current resource plan transfer value of the resource transfer-out end, so that the risk that the current resource plan transfer-out value exceeds the resource transfer-out value of the resource transfer-out end plan because the current resource plan transfer-out value is smaller than the transfer value is avoided, and the success rate of resource transfer is improved.

Optionally, in an embodiment, the transferred resource value cannot exceed the remaining resource value in the account, as shown in fig. 5, the resource transfer condition includes an account value condition of the resource transfer-out end, and the step 202 "determining whether the resource transfer request meets the preset resource transfer condition" includes:

s501, acquiring a resource value in the account of the resource transfer-out terminal according to the account information of the resource transfer-out terminal.

The account number of the resource transfer-out terminal refers to the remaining limit number of the account of the resource transfer-out terminal.

In this embodiment, for example, the account information of the resource transfer-out terminal received by the server may include an account number "6013xxxxxxxxxx 122" and a "remaining transfer amount of 100 ten thousand", and if the account number of the resource transfer-out terminal is "100 ten thousand", this embodiment is not limited thereto.

S502, judging whether the resource transfer value is larger than the resource value in the account of the resource transfer-out end, and if the resource transfer value is larger than the resource value in the account of the resource transfer-out end, executing step 503; if the resource transfer value is not greater than the resource value in the account at the resource transfer-out end, step 504 is executed.

In this embodiment, the same example is described above, where a resource transfer value in the current resource transfer request is "50 ten thousand", the server obtains that a resource value in an account of the resource transfer-out terminal is "100 ten thousand", the server compares and determines that the resource transfer value is "50 ten thousand" and the resource value in the account of the resource transfer-out terminal is "100 ten thousand", and since "50 ten thousand" is less than "100 ten thousand", that is, the resource transfer value is less than the resource value in the account, it is determined that the resource transfer request meets the preset resource transfer condition; if the resource transfer value is "50 ten thousand", the server obtains that the resource value in the account of the resource transfer-out terminal is "10 ten thousand", and since "50 ten thousand" is greater than "10 ten thousand", that is, the resource transfer value is greater than the resource value in the account, it is determined that the resource transfer request does not satisfy the preset resource transfer condition, which is not limited in this embodiment.

S503, determining that the resource transfer request does not meet the preset resource transfer condition.

In this embodiment, for example, the server obtains that the account number of the resource transfer-out terminal is "10 ten thousand", the resource transfer number in the current resource transfer request is "50 ten thousand", the server compares and determines that the resource transfer number is "50 ten thousand" and the account number of the resource transfer-out terminal is "10 ten thousand", the obtained resource transfer number is "50 ten thousand" and is greater than the account number of the resource transfer-out terminal of "10 ten thousand", the account of the resource transfer-out terminal cannot satisfy the resource transfer request, and the server determines that the resource transfer request does not satisfy the preset resource transfer condition.

S504, determining that the resource transfer request meets a preset resource transfer condition.

In this embodiment, for example, the server obtains that the account number of the resource transfer-out terminal is "100 ten thousand", the resource transfer number in the current resource transfer request is "50 ten thousand", the server compares and determines that the resource transfer number is "50 ten thousand" and the account number of the resource transfer-out terminal is "100 ten thousand", and obtains that the resource transfer number is "50 ten thousand" and is less than the account number of the resource transfer-out terminal of "100 ten thousand", the account of the resource transfer-out terminal can satisfy the resource transfer request, and the server determines that the resource transfer request satisfies the preset resource transfer condition, which is not limited in this embodiment.

In this embodiment, the server determines and compares the transfer value in the resource transfer request according to the account number value of the resource transfer-out terminal, so as to avoid the risk that the resource transfer cannot be performed because the account number value of the resource transfer-out terminal is smaller than the transfer value, and improve the success rate of resource transfer.

Optionally, in an embodiment, for an illegal user who cannot provide the resource transfer service, as shown in fig. 6, the resource transfer condition includes validity of a resource receiving end, and the step 202 "determining whether the resource transfer request meets a preset resource transfer condition" includes:

s601, obtaining an illegal account list in a preset time period.

The server can call and obtain the illegal account name list by calling a third party interface and can also obtain the illegal account name list from a database; in general, an illegal account number refers to an account number that has poor credit evaluation in terms of resource transfer, has illegal behavior, and the like.

In this embodiment, the server may obtain the illegal account list in the past 10 years by calling a third party interface, or may obtain the illegal account list in the past 10 years from the database, which is not limited in this embodiment.

S602, judging whether the account number of the resource receiving terminal is in an illegal account number list, and if the account number of the resource receiving terminal is in the illegal account number list, executing a step 603; if the account of the resource receiving end is not in the illegal account list, step 604 is executed.

In this embodiment, after acquiring an illegal list within a preset time, the server determines whether an account of the resource receiving end is in the illegal account list, and the server may determine whether an account of the current resource receiving end is in the list in an account comparison manner, or may determine whether an account of the current resource receiving end is in the list in a search manner, and if the account of the current resource receiving end is in the list, it indicates that the account of the current resource receiving end is an illegal account, then step 603 is performed; if the current resource receiving end account is not in the list, it indicates that the current resource receiving end account is a valid account, and then step 604 is executed.

S603, determining that the resource transfer request does not meet the preset resource transfer condition.

In this embodiment, if the server determines that the account number of the current resource receiving end is in the list, it indicates that the account number of the current resource receiving end has a condition of low credit evaluation or other illegal behaviors within 10 years, that is, the account number of the resource receiving end is an illegal account number, and it is determined that the resource transfer request does not satisfy the resource transfer condition.

S604, determining that the resource transfer request meets a preset resource transfer condition.

In this embodiment, if the server determines that the current resource receiving end account is not in the list, which indicates that the current resource receiving end account is a valid account within 10 years, it is determined that the resource transfer request meets the resource transfer condition, and corresponding operations are performed after the resource transfer request is determined, which is not limited in this embodiment.

In this embodiment, the server obtains an illegal account list within a preset time period, and determines whether the account of the resource receiving end is in the illegal account list or not by means of searching, comparing and the like according to the illegal account list, so that validity check of the account of the resource receiving end by the server is realized, a risk of transfer failure can be avoided for a current resource transfer request, and safety and success rate of resource transfer are improved.

After determining whether the resource transfer request satisfies the resource transfer condition, in an embodiment, as shown in fig. 7, the step 203 "selecting a destination transfer path according to account information of the resource receiving end" includes:

and S701, determining the account type of the resource receiving end according to the account information of the resource receiving end.

The account type of the resource receiving end refers to a type to which an account of the resource receiving end belongs, and for example, the account type may include "bank a", "bank B", "bank C", "bank D", and the like.

In this embodiment, the server determines the account type of the resource receiving end according to the account information of the resource receiving end in the resource transfer request, for example, the server determines that the account type of the resource receiving end is "bank a" according to the account information "6226XXXXXXXXXXXX554" of the resource receiving end and that the account type is bank a ", which is not limited in this embodiment.

S702, judging whether a transfer channel with the same account type as the resource receiving end exists or not, and if the transfer channel with the same account type as the resource receiving end exists, executing a step 703; if there is no transfer channel with the same account type as the resource receiving end, step 704 is executed.

In this embodiment, the server determines the type of the account at the resource receiving end according to the account information at the resource receiving end, and as described in the same example, if the server determines that the account at the resource receiving end is an "a bank", it determines whether a transferable channel whose account type is the "a bank" exists, that is, it determines whether a channel of the "a bank" that can complete resource transfer exists, and if a transferable channel whose account type is the "a bank" exists, then step 803 is executed; if there is no transferable channel with account number type "bank a", then step 804 is executed.

And S703, determining a transfer channel with the same account type as the resource receiving end as a target transfer channel.

In this embodiment, after the server determines that a transfer channel of the same type as the account at the resource receiving end exists, the transfer channel is determined as the destination transfer channel. In the same example, if the server determines that there is a transferable channel with the account number type of "bank a", the server determines that the "bank a" transfer channel is the destination transfer channel.

And S704, determining a destination channel according to the account number area of the resource receiving end and the state of the transfer channel.

In this embodiment, after the server determines that there is no transfer channel with the same account type as the resource receiving end, the server determines the destination channel according to the account area of the resource receiving end and the state of the transfer channel. To illustrate by the same example, if the server determines that there is no transferable channel with the account number type of "bank a", it determines whether there is a transferable channel in the same area or whether there is a transferable channel in an idle state according to the account number information area of the resource receiving end, thereby determining a destination transferable channel.

Statistics shows that the resource transfer timeliness rate of the same type is higher than that of the same region and different types, in this embodiment, the server preferentially judges whether a transfer channel of the same type as the account number type of the resource receiving end exists, and if the transfer channel exists, the transfer channel is used as a target transfer channel; if not, determining a target channel according to the account number area of the resource receiving end and the state of the transfer channel, and improving the timeliness rate of resource transfer to a certain extent.

In an embodiment, the account number of the resource receiving end with different areas may also be matched with the transfer channel of the corresponding area, as shown in fig. 8, the step 704 "determining the destination channel according to the account number area of the resource receiving end and the state of the transfer channel" includes:

s801, determining the account number area of the resource receiving end according to the information of the resource receiving end.

The account number region of the resource receiving end refers to a region where the account number of the resource receiving end is located, and the region can be provincial information, urban region information and the like of the account number of the resource receiving end; the information of the resource receiving end comprises identity information of the resource receiving end, area information of the resource receiving end and the like.

In this embodiment, the server determines the account area of the resource receiving end according to the information of the resource receiving end, for example, in the resource transfer request received by the server, the information of the resource receiving end includes "XXXX (stock resource assignment limited) company" and "the area where the resource receiving end is located is an a area", and then the account area of the resource receiving end is determined to be the "a area", which is not limited in this embodiment.

S802, judging whether a transfer channel which belongs to the same region as the account number region of the resource receiving end exists or not, and if the transfer channel which belongs to the same region as the account number region of the resource receiving end exists, executing a step 803; if there is no transfer channel belonging to the same area as the account area of the resource receiving end, step 804 is executed.

In this embodiment, when the server obtains the information of the resource receiving end, it determines the account number area of the resource receiving end, and as described in the same example, if the server determines that the account number area of the resource receiving end is "a area", it determines whether there is a transferable channel whose area is "a area", and if there is a transferable channel whose area is "a area", then step 803 is executed; if there is no transferable channel with the area "a-area", go to step 804.

And S803, determining a transfer channel which has the same region with the account number region of the resource receiving end as a target transfer channel.

In this embodiment, after the server determines that there is a transfer channel that belongs to the same area as the account area of the resource receiving end, the transfer channel is determined as the destination transfer channel. In the same example, when the server determines that there is a transferable tunnel whose area is "a-area", the server determines that the same-area transfer tunnel is the destination transfer tunnel.

S804, determining the transfer channel in the idle state as a target transfer channel.

In this embodiment, after the server determines that there is no transfer channel that belongs to the same area as the account area of the resource receiving end, the transfer channel in the idle state is determined as the destination transfer channel. In the same example as described above, when the server determines that there is no transferable tunnel whose area is "a area", it selects any other transfer tunnel in an idle state and determines it as a destination transfer tunnel.

Generally, the resource transfer timeliness rate of the same region is higher than that of different regions, in this embodiment, the server preferentially determines whether a transfer channel in the same region as the resource receiving end exists, and if so, the transfer channel is used as a target transfer channel; if the idle state does not exist, any transfer channel in the idle state is determined as a target transfer channel, and the timeliness rate of resource transfer is improved.

In an embodiment, the resource transfer operations may all generate resource transfer logs, as shown in fig. 9, after the step 204 "transferring resources to an account at a resource receiving end through a destination transfer channel according to a resource transfer request", the method further includes:

s901, acquiring a resource transfer log; the resource transfer log includes resource transfer results for each transfer channel.

The resource transfer log refers to an execution log of the server for the current resource transfer request, and the execution log includes a resource transfer condition judgment result of the resource transfer end, a resource transfer result of each destination channel, resource transfer time and the like; the resource transfer condition judgment result of the resource transfer-out end comprises the judgment result of each resource transfer condition, and the judgment result comprises the condition that the corresponding resource transfer condition is met or not met; the resource transfer result of each destination channel comprises the transfer result of the channel with the same type as the account number of the resource receiving end, the transfer result of the channel in the same area as the resource receiving end and the transfer result of the idle channel, wherein the transfer result comprises the transfer success or the transfer failure.

In this embodiment, when the server finishes executing the current resource transfer request, a resource transfer execution log is generated, and the resource transfer log is obtained. For example, the resource transfer log may include "XXXX science and technology company", a judgment result of a numerical condition of a project budget resource is a satisfaction condition, a judgment result of a resource plan condition of a resource transfer-out end is a satisfaction condition, a judgment result of a numerical condition of an account of a resource transfer-out end is a satisfaction condition, and a judgment result of a validity condition of "XXXX stock liability limited company" is a satisfaction condition; the channel transfer of the 'bank A' is successful; the resource transfer time is 2019, 9, 29, which is not limited in this embodiment.

S902, counting the transfer success rate of each transfer channel according to the resource transfer log, and storing the transfer success rate of the transfer channels.

The resource transfer log comprises transfer results of channels of the same type as the account number of the resource receiving end, transfer results of channels of the same area as the resource receiving end and transfer results of idle channels, wherein the transfer results comprise transfer success or transfer failure, and the server counts the transfer success rate of each transfer channel according to the information and stores the transfer success rate in the database for optimal selection of a next target channel.

In this embodiment, for example, the resource transfer result of each destination channel in the resource transfer log may include, a resource transfer request 1, a "bank a" channel transfer success; resource transfer request 2, channel transfer of 'B bank' is successful; resource transfer request 3, channel transfer failure of 'bank A' and channel transfer success of 'same region'; resource transfer request 4, channel transfer success of "bank a", and the like; and carrying out statistical calculation on the transfer results of all target channels in the resource transfer log by using a clustering algorithm or a data analysis algorithm to obtain the transfer success rate of all target channels, wherein in the example, the channel transfer success rate of the 'A bank' is 66.66%, and the channel transfer success rate of the 'B bank' is 100%, storing the transfer success rate results obtained by the statistical calculation into a database, and preferentially selecting the channel with high success rate for resource transfer according to the transfer success rate in the subsequent target channel selection.

In this embodiment, the server performs statistical analysis on the resource transfer result of each destination channel to obtain the transfer success rate of each destination channel, and in the next resource transfer, a channel with a high success rate can be preferentially selected for resource transfer according to the historical transfer success rate, so that the success rate and the timeliness rate of resource transfer are improved.

To better explain the resource transfer method provided in the present application, an embodiment is provided that is explained in terms of the overall flow of the financial resource transfer method, as shown in fig. 10, the method includes:

s001, receiving a resource transfer request: the server receives a resource transfer request of a resource transfer-out end; judging whether the resource transfer condition is met or not according to the information of the resource transfer-out end, the account information of the resource transfer-out end, the resource transfer value, the information of the resource receiving end and the account information of the resource receiving end carried in the resource transfer request;

s002, judging the project budget resource numerical value: the resource transfer condition comprises project budget resource value judgment, the server judges whether the resource transfer value in the resource transfer request is larger than the project budget resource value, if not, the resource transfer condition is met, and the next resource transfer condition is judged; if the value is larger than the project budget resource value, the resource transfer condition is not met, and the current resource transfer request process is ended;

s003, judging a resource plan: the resource transfer condition comprises resource plan judgment, the server judges whether the resource transfer value in the resource transfer request is greater than the resource plan value, if not, the resource transfer condition is met, and the next resource transfer condition is judged; if the resource plan value is larger than the resource plan value, the resource transfer condition is not met, and the current resource transfer request process is ended;

s004, judging resource values in the account: the resource transfer condition comprises resource value judgment in an account of the resource transfer-out end, the server judges whether the resource transfer value in the resource transfer request is larger than the resource value in the account of the resource transfer-out end, if the resource transfer value is not larger than the resource value in the account of the resource transfer-out end, the resource transfer condition is met, and the next resource transfer condition is judged; if the resource value is greater than the resource value in the account number of the resource transfer-out end, the resource transfer condition is not met, and the current resource transfer request process is ended;

s005, judging the validity of the receiving end: the resource transfer condition comprises the judgment of the validity of the account number of the resource receiving end, the server judges whether the account number information of the resource receiving end in the resource transfer request is in an illegal account number list, if the account number information is not in the illegal account number list, the resource transfer condition is met, and a resource transfer channel is selected; if the account number list is illegal, the resource transfer condition is not met, and the current resource transfer request process is ended;

s006, judging channels of the same type: if the resource transfer request meets the resource transfer condition, judging channels of the same type according to the account number type of the resource receiver in the resource transfer request, and if the channels of the same type exist, determining the channels as target transfer channels; if the channels of the same type do not exist, executing step S007;

s007, judging channels in the same region: judging the channel in the same area according to the information of the resource receiver in the resource transfer request, and if the channel in the same area exists, determining the channel as a target transfer channel; if no co-regional channel exists, executing step S008;

s008, determining an idle channel as a target transfer channel;

s009, acquiring a resource transfer log: when the current resource transfer request is completed through the target transfer channel, a resource transfer log is obtained;

and S010, counting the transfer success rate of each transfer channel according to the resource transfer logs, and storing the transfer success rate of the transfer channels.

It should be noted that, in the process of determining whether the resource transfer request satisfies the resource transfer condition, all the determination steps of determining whether the resource transfer condition is satisfied do not have a time sequence, that is, all the determination steps of determining whether the resource transfer condition is satisfied may be performed simultaneously or separately; when the judgment is carried out respectively, the judgment order of each rule does not have precedence.

In this embodiment, after receiving the resource transfer request from the resource transfer-out end, the server realizes the judgment of whether the resource transfer request meets the resource transfer condition in the resource transfer process, thereby reducing the risk occurrence rate in the resource transfer process; after the resource transfer condition is met, the target transfer channel is preferably selected according to the transfer success rate of each transfer channel in the resource transfer log, so that the timeliness rate and the success rate of resource transfer are improved.

The implementation principle and technical effect of the financial resource transfer method provided in this embodiment are similar to those of the financial resource transfer method provided in any of the above embodiments, and are not described herein again.

It should be understood that although the various steps in the flowcharts of fig. 2-10 are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least some of the steps in fig. 2-10 may include multiple sub-steps or multiple stages that are not necessarily performed at the same time, but may be performed at different times, and the order of performance of the sub-steps or stages is not necessarily sequential, but may be performed in turn or alternating with other steps or at least some of the sub-steps or stages of other steps.

In one embodiment, as shown in fig. 11, there is provided a financial resource transfer apparatus including: a receiving module 101, a judging module 102 and a transferring module 103, wherein:

a receiving module 101, configured to receive a resource transfer request sent by a resource transfer-out end; the resource transfer request carries information of a resource transfer-out end, account information of the resource transfer-out end, a resource transfer value, information of a resource receiving end and account information of the resource receiving end;

a judging module 102, configured to judge whether the resource transfer request meets a preset resource transfer condition;

the transfer module 103 is configured to select a destination transfer channel according to the account information of the resource receiving end if the resource transfer request meets the resource transfer condition, and transfer the resource to the account of the resource receiving end through the destination transfer channel according to the resource transfer request.

In an embodiment, the resource transfer condition includes at least one of a project budget resource numerical condition, a resource planning condition of the resource transfer-out end, an account numerical condition of the resource transfer-out end, and a validity condition of the resource receiving end.

In one embodiment, the resource transfer condition includes a project budget resource value condition, and the determining module 103 is configured to:

and if the resource transfer value is not larger than the budget resource value of the project, determining that the resource transfer request meets the preset resource transfer condition.

In one embodiment, the resource transfer condition includes a resource planning condition of a resource transfer-out end, and the determining module 103 is configured to:

In one embodiment, the resource transfer condition includes an account number condition of a resource transfer-out end, and the determining module 103 is configured to:

In one embodiment, the resource transfer condition includes validity of a resource receiving end, and the determining module 103 is configured to:

acquiring an illegal account list within a preset time period;

and if the account number of the resource receiving terminal is not in the illegal account number list, determining that the resource transfer request meets the preset resource transfer condition.

In one embodiment, the transfer module 103 is configured to:

In one embodiment, as shown in fig. 12, the resource transferring apparatus further includes an obtaining module 104 and a storing module 105, where:

an obtaining module 104, configured to obtain a resource transfer log; the resource transfer log comprises resource transfer results of all transfer channels;

the storage module 105 is configured to count transfer success rates of the transfer channels according to the resource transfer log, and store the transfer success rates of the transfer channels.

The implementation principle and technical effect of all the embodiments of the financial resource transferring device are similar to those of the corresponding embodiments of the financial resource transferring method, and are not described herein again.

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

In one embodiment, a computer device is provided, which may be a terminal or a server, and its internal structure diagram may be as shown in fig. 13. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is for storing financial resource transfer data. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program when executed by a processor implements a financial resource transfer method.

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

In one embodiment, a computer device is provided, comprising a memory and a processor, the memory having a computer program stored therein, the processor implementing the following steps when executing the computer program:

The implementation principle and technical effect of the computer device provided by the above embodiment are similar to those of the above method embodiment, and are not described herein again.

In one embodiment, a computer-readable storage medium is provided, having a computer program stored thereon, which when executed by a processor, performs the steps of:

judging whether the resource transfer request meets a preset resource transfer condition or not;

The implementation principle and technical effect of the computer-readable storage medium provided by the above embodiments are similar to those of the above method embodiments, and are not described herein again.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above may be implemented by hardware instructions of a computer program, which may be stored in a non-volatile computer-readable storage medium, and when executed, may include the processes of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically Programmable ROM (EPROM), electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double Data Rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous Link DRAM (SLDRAM), rambus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).

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

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

Claims

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

receiving a resource transfer request sent by a resource transfer-out end; the resource transfer request carries the information of the resource transfer-out end, the account information of the resource transfer-out end, the resource transfer value, the information of the resource receiving end and the account information of the resource receiving end;

judging whether the resource transfer request meets preset resource transfer conditions or not, wherein the resource transfer conditions comprise at least one of project budget resource numerical conditions, resource plan conditions of the resource transfer-out end, account number numerical conditions of the resource transfer-out end and legality conditions of the resource receiving end; the project budget resource value condition is used for judging whether the resource transfer value is larger than a project pre-selected resource value; the resource plan condition of the resource transferring-out end is used for judging whether the resource transferring value is larger than the resource plan value of the resource transferring-out end; the account number condition of the resource transferring-out end is used for judging whether the resource transferring number is larger than the resource number in the account number of the resource transferring-out end; the legality condition of the resource receiving terminal is used for judging whether the account number of the resource receiving terminal is in an illegal account number list or not;

if the resource transfer request meets the resource transfer condition, selecting a target transfer channel according to the account information of the resource receiving terminal, and transferring resources to the account of the resource receiving terminal through the target transfer channel according to the resource transfer request;

the selecting a destination transfer channel according to the account information of the resource receiving end includes:

if a transfer channel with the same account number type as the resource receiving end exists, determining the transfer channel with the same account number type as the resource receiving end as the target transfer channel;

if a transfer channel with the same account number type as the resource receiving end does not exist, determining the target channel according to the account number area of the resource receiving end and the state of the transfer channel;

after the resource is transferred to the account of the resource receiving end through the destination transfer channel according to the resource transfer request, the method further includes:

acquiring a resource transfer log; the resource transfer log comprises resource transfer results of the transfer channels;

and counting the transfer success rate of each transfer channel according to the resource transfer log by using a clustering algorithm or a data analysis algorithm, and storing the transfer success rate of the transfer channel for determining a next target channel.

2. The method of claim 1, wherein the resource transfer condition comprises a numerical condition of the project budget resource, and the determining whether the resource transfer request satisfies a predetermined resource transfer condition comprises:

3. The method according to claim 1, wherein the resource transfer condition includes a resource planning condition of the resource transfer-out end, and the determining whether the resource transfer request satisfies a preset resource transfer condition includes:

judging whether the resource transfer value is larger than the current resource plan transfer-out value or not;

4. The method according to claim 1, wherein the resource transfer condition includes an account number condition of the resource transfer-out terminal, and the determining whether the resource transfer request meets a preset resource transfer condition includes:

acquiring a resource value in the account of the resource transfer-out terminal according to the account information of the resource transfer-out terminal;

judging whether the resource transfer value is larger than the resource value in the account of the resource transfer-out terminal;

5. The method according to claim 1, wherein the resource transfer condition includes validity of the resource receiving end, and the determining whether the resource transfer request satisfies a preset resource transfer condition includes:

acquiring an illegal account list in a preset time period;

judging whether the account of the resource receiving terminal is in the illegal account list or not;

6. The method according to claim 1, wherein the determining the destination channel according to the account number region of the resource receiving end and the state of the transfer channel comprises:

if a transfer channel which belongs to the same region as the account number region of the resource receiving end exists, determining the transfer channel which belongs to the same region as the account number region of the resource receiving end as the target transfer channel;

and if the transfer channel which belongs to the same region as the account number region of the resource receiving end does not exist, determining the transfer channel in the idle state as the target transfer channel.

7. An apparatus for transferring financial resources, the apparatus comprising:

the receiving module is used for receiving a resource transfer request sent by the resource transfer-out end; the resource transfer request carries the information of the resource transfer-out end, the account information of the resource transfer-out end, the resource transfer value, the information of the resource receiving end and the account information of the resource receiving end;

the judging module is used for judging whether the resource transfer request meets preset resource transfer conditions, wherein the resource transfer conditions comprise at least one of project budget resource numerical conditions, resource plan conditions of the resource transfer-out end, account number numerical conditions of the resource transfer-out end and legality conditions of the resource receiving end; the project budget resource value condition is used for judging whether the resource transfer value is larger than a project pre-selected resource value; the resource plan condition of the resource transferring end is used for judging whether the resource transferring value is larger than the resource plan value of the resource transferring end; the account number value condition of the resource transfer-out end is used for judging whether the resource transfer value is larger than the resource value in the account number of the resource transfer-out end; the legality condition of the resource receiving terminal is used for judging whether the account number of the resource receiving terminal is in an illegal account number list or not;

a transfer module, configured to select a destination transfer channel according to the account information of the resource receiving end if the resource transfer request meets the resource transfer condition, and transfer the resource to the account of the resource receiving end through the destination transfer channel according to the resource transfer request;

the transfer module is specifically used for determining the account type of the resource receiving terminal according to the account information of the resource receiving terminal; judging whether a transfer channel with the same account type as the resource receiving end exists or not; if a transfer channel with the same account number type as the resource receiving end exists, determining the transfer channel with the same account number type as the resource receiving end as the target transfer channel; if a transfer channel with the same account number type as the resource receiving end does not exist, determining the target channel according to the account number area of the resource receiving end and the state of the transfer channel;

the device also comprises an acquisition module and a storage module;

the acquisition module is used for acquiring the resource transfer log; the resource transfer log comprises resource transfer results of the transfer channels;

and the storage module is used for counting the transfer success rate of each transfer channel according to the resource transfer log by using a clustering algorithm or a data analysis algorithm, and storing the transfer success rate of the transfer channel so as to be used for determining a next target channel.

8. A computer device comprising a memory and a processor, the memory storing a computer program, wherein the processor implements the steps of the method of any one of claims 1 to 6 when executing the computer program.

9. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 6.