CN110891086B

CN110891086B - Resource transfer method, device, terminal, server and storage medium

Info

Publication number: CN110891086B
Application number: CN201911150668.3A
Authority: CN
Inventors: 杨进京; 杨勇; 李凯; 晏琪; 陆斌; 张海玲
Original assignee: Beijing Sankuai Online Technology Co Ltd
Current assignee: Beijing Sankuai Online Technology Co Ltd; Qiandai Beijing Information Technology Co Ltd
Priority date: 2019-11-21
Filing date: 2019-11-21
Publication date: 2022-04-05
Anticipated expiration: 2039-11-21
Also published as: CN110891086A

Abstract

The disclosure discloses a resource transfer method, a resource transfer device, a terminal, a server and a storage medium, and belongs to the technical field of electronic commerce. The method comprises the following steps: the terminal displays target resource information in the resource transfer interface; when a first resource transfer request submitted by a user is received, a plurality of resource transfer channels are obtained according to a target account and target resource information; according to the multiple resource transfer channels and the target resource information, determining a first target transfer strategy that a first server receives the minimum resource transfer value when transferring the target resource transfer information; displaying a first target transfer strategy; when a transfer instruction triggered by a user based on a first target transfer strategy is received, a second resource transfer request is sent to the first server according to the first target transfer strategy, so that more resource transfer choices are provided for the user, resource transfer modes are enriched, maintenance cost of a resource transfer channel is reduced, and resource transfer cost of the user is reduced.

Description

Resource transfer method, device, terminal, server and storage medium

Technical Field

The present disclosure relates to the field of electronic commerce technologies, and in particular, to a resource transfer method, apparatus, terminal, server, and storage medium.

Background

With the development of electronic commerce technology, more and more users select resource transfer cards with special functions to perform resource transfer operation. When the resource transfer card is used for resource transfer operation, resources do not need to be stored in the resource transfer card, and a user borrows resources of a bank through the resource transfer card; and when the specified date is reached, the user returns the borrowed resource to the bank through the resource transfer card. The user generally transfers the resources through the first server corresponding to the third-party payment system, so that the borrowed resources are returned to the bank. And the maintenance cost of the resource transfer channel for resource transfer in the first server is higher and higher. Therefore, when the user transfers the resources through the first server, the first server charges a certain channel fee.

Disclosure of Invention

The embodiment of the disclosure provides a resource transfer method, a resource transfer device, a terminal, a server and a storage medium, which can solve the problems that the maintenance cost of a resource channel is high and the cost of user resource transfer is high due to resource transfer through a single resource transfer channel. The technical scheme is as follows:

in one aspect, a resource transfer method is provided, where the method is applied to a terminal, and the method includes:

displaying a resource transfer interface for transferring resources to a target account, wherein the resource transfer interface comprises target resource information for prepaying the target account by a user;

when a first resource transfer request submitted by the user based on the resource transfer interface is received, acquiring a plurality of resource transfer channels for resource transfer from a first server according to the target account and the target resource information;

determining, according to the multiple resource transfer channels and the target resource information, that the first server receives a first target transfer policy with a minimum resource transfer value when transferring the target resource transfer information, where the first target transfer policy includes multiple target resource transfer channels in the multiple resource transfer channels and resource information transferred through each target resource transfer channel;

displaying the first target transfer strategy;

when a transfer instruction triggered by the user based on the first target transfer policy is received, sending a second resource transfer request to the first server according to the first target transfer policy, wherein the second resource transfer request is used for transferring the target resource information to the target account by the first server according to the first target transfer policy.

In a possible implementation manner, the determining, according to the multiple resource transfer channels and the target resource information, that the first server receives a first target transfer policy with a minimum resource transfer value when the target resource transfer information is transferred includes:

determining resource transfer strategy limiting information according to the plurality of resource transfer channels, wherein the resource transfer strategy limiting information comprises a maximum split order number, and a maximum transfer frequency and a maximum transfer limit of each resource transfer channel;

and determining a first target transfer strategy with the minimum resource transfer value under the limitation of the resource transfer strategy limitation information according to the target resource information and the plurality of resource transfer channels.

In another possible implementation manner, the determining, according to the target resource information and the plurality of resource transfer channels, a first target transfer policy with a minimum resource transfer value under the restriction of the resource transfer policy restriction information includes:

generating a plurality of resource transfer strategies according to the target resource information, the plurality of resource transfer channels and the resource transfer strategy limiting information;

for each resource transfer strategy, determining a first resource value received by the first server when the resource transfer is carried out through the resource transfer strategy;

and selecting the resource transfer strategy with the minimum first resource value from the plurality of resource transfer strategies as a first target transfer strategy.

In another possible implementation manner, the determining a first resource value that is charged by the first server when the resource transfer is performed through the resource transfer policy includes:

the resource transfer strategy comprises a plurality of target resource transfer channels and a second resource value transferred by each target resource transfer channel, and for each target resource transfer channel, a third resource value charged by transferring the second resource value through the target resource transfer channel is determined according to a charging rule of the target resource transfer channel and the second resource value;

and determining the sum of the third resource values received by each target resource transfer channel in the resource transfer strategy as a first resource value received when the resource transfer strategy carries out resource transfer.

In another possible implementation manner, the generating a plurality of resource transfer policies according to the target resource information, the plurality of resource transfer channels, and the resource transfer policy restriction information includes:

selecting a resource transfer channel from the plurality of resource transfer channels, when the used transfer times of the selected resource transfer channel is less than the maximum transfer times of the selected resource transfer channel, determining a fourth resource value transferred through the selected resource transfer channel according to the maximum transfer limit of the selected resource transfer channel and the remaining resource value in the target resource information, and recording the selected resource transfer channel and the fourth resource value as a transfer path;

updating the remaining resource value according to the remaining resource value and the fourth resource value, and adding one to the used transfer times of the selected resource transfer channel, and then executing the step of selecting the resource transfer channel from the plurality of resource transfer channels until the remaining resource value is not greater than zero;

and composing the recorded transfer paths into a resource transfer strategy.

In another possible implementation manner, the method further includes:

when the used transfer times of the selected resource transfer channel are not less than the maximum transfer times of the selected resource transfer channel, the step of selecting a resource transfer channel from the plurality of resource transfer channels is performed.

In another possible implementation manner, the selecting a resource transfer channel from the plurality of resource transfer channels includes:

determining the maximum channel number corresponding to the target resource information, and determining the selected resource transfer channel in the plurality of resource transfer channels;

when the maximum channel number is larger than the channel number of the selected resource transfer channel, selecting one resource transfer channel from the plurality of resource transfer channels;

and when the maximum channel number is not more than the channel number of the selected resource transfer channel, selecting one resource transfer channel from the selected resource transfer channels.

In another possible implementation manner, the determining the maximum number of channels corresponding to the target resource information includes:

acquiring a maximum channel number corresponding to a fifth resource value from a corresponding relation between the resource transfer value and the maximum channel number according to the fifth resource value in the target resource transfer information; alternatively, the first and second electrodes may be,

and acquiring the maximum channel number corresponding to the user grade according to the user grade corresponding to the terminal, and taking the maximum channel number corresponding to the user grade as the maximum channel number corresponding to the target resource information.

In another possible implementation manner, the method further includes:

determining a second target transfer strategy according to the target resource information, wherein the second target transfer strategy is a strategy for transferring resources according to a single channel in the plurality of resource transfer strategies;

displaying the first and second target transfer strategies;

and when the first target resource transfer strategy is triggered, executing the step of transferring the resources according to the first target resource transfer strategy.

In another possible implementation manner, the method further includes:

respectively displaying a first transfer button corresponding to the first target transfer strategy and a second transfer button corresponding to the second target transfer strategy;

determining that the first target resource transfer policy is triggered when the first transfer button is triggered.

In another possible implementation manner, the sending a second resource transfer request to the first server according to the first migration target policy includes:

splitting a first resource transfer order corresponding to the target resource information into a plurality of second resource transfer orders according to the first target transfer strategy;

determining order information of each second resource transfer order, wherein the order information comprises a resource transfer channel corresponding to the second resource transfer order, a sixth resource value transferred through the resource transfer channel and a seventh resource value collected by the resource transfer channel;

generating the second resource transfer request according to the order information of each second resource transfer order;

and sending the second resource transfer request to the first server, wherein the first server is further configured to transfer the target resource information to the target account according to the order information of each resource transfer order after receiving the order information of each resource transfer order.

In another aspect, a resource transfer method is provided, where the method is applied to a first server, and the method includes:

receiving a second resource transfer request sent by a terminal, wherein the second resource transfer request carries order information of each second resource transfer order in a plurality of second resource transfer orders, and the order information comprises a resource transfer channel corresponding to the second resource transfer order, a sixth resource numerical value transferred through the resource transfer channel and a seventh resource numerical value collected by the resource transfer channel;

and transferring the target resource information to a target account according to the order information corresponding to each second resource transfer order.

In a possible implementation manner, the transferring the target resource information to the target account according to the order information corresponding to each second resource transfer order includes:

sending a third resource transfer request to a second server, wherein the third resource transfer request carries order information of each second resource transfer order, the second server is used for receiving a sixth resource value and a seventh resource value according to the order information in the third resource transfer request, and sending a receiving success indication to the first server after the sixth resource value and the seventh resource value are received successfully;

and when receiving the receiving success indication sent by the second server, sending a fourth resource transfer request to the second server, wherein the second server is further used for transferring the received sixth resource value to a third server logged in by the target account through a resource transfer channel.

In another possible implementation manner, after the sending a fourth resource transfer request to the second server when receiving the receiving success indication sent by the second server, the method further includes:

receiving a resource transfer result sent by the third server;

and sending the resource transfer result to the terminal.

In another aspect, an apparatus for resource transfer is provided, where the apparatus is applied to a terminal, and the apparatus includes:

the resource transferring interface comprises target resource information of a target account which is pre-paid by a user;

the acquisition module is used for acquiring a plurality of resource transfer channels for resource transfer from a first server according to the target account and the target resource information when receiving a first resource transfer request submitted by the user based on the resource transfer interface;

a first determining module, configured to determine, according to the multiple resource transfer channels and the target resource information, that the first server receives a first target transfer policy with a minimum resource transfer value when transferring the target resource transfer information, where the first target transfer policy includes multiple target resource transfer channels in the multiple resource transfer channels and resource information transferred through each target resource transfer channel;

the second display module is used for displaying the first target transfer strategy;

and the first sending module is used for sending a second resource transfer request to the first server according to the first target transfer policy when receiving a transfer instruction triggered by the user based on the first target transfer policy, wherein the second resource transfer request is used for transferring the target resource information to the target account by the first server according to the first target transfer policy.

In a possible implementation manner, the first determining module is further configured to determine resource transfer policy restriction information according to the plurality of resource transfer channels, where the resource transfer policy restriction information includes a maximum split amount of orders, and a maximum transfer number and a maximum transfer limit of each resource transfer channel; and determining a first target transfer strategy with the minimum resource transfer value under the limitation of the resource transfer strategy limitation information according to the target resource information and the plurality of resource transfer channels.

In another possible implementation manner, the first determining module is further configured to generate a plurality of resource transfer policies according to the target resource information, the plurality of resource transfer channels, and the resource transfer policy restriction information; for each resource transfer strategy, determining a first resource value received by the first server when the resource transfer is carried out through the resource transfer strategy; and selecting the resource transfer strategy with the minimum first resource value from the plurality of resource transfer strategies as a first target transfer strategy.

In another possible implementation manner, the first determining module is further configured to determine, for each target resource transfer channel, a third resource value charged for transferring the second resource value through the target resource transfer channel according to a charging rule of the target resource transfer channel and the second resource value, where the resource transfer policy includes a plurality of target resource transfer channels and the transferred second resource value of each target resource transfer channel; and determining the sum of the third resource values received by each target resource transfer channel in the resource transfer strategy as a first resource value received when the resource transfer strategy carries out resource transfer.

In another possible implementation manner, the first determining module is further configured to select a resource transfer channel from the multiple resource transfer channels, determine, when the used transfer frequency of the selected resource transfer channel is less than the maximum transfer frequency of the selected resource transfer channel, a fourth resource value transferred through the selected resource transfer channel according to the maximum transfer limit of the selected resource transfer channel and the remaining resource value in the target resource information, and record the selected resource transfer channel and the fourth resource value as a transfer path; updating the remaining resource value according to the remaining resource value and the fourth resource value, and adding one to the used transfer times of the selected resource transfer channel, and then executing the step of selecting the resource transfer channel from the plurality of resource transfer channels until the remaining resource value is not greater than zero; and composing the recorded transfer paths into a resource transfer strategy.

In another possible implementation manner, the first determining module is further configured to execute the step of selecting the resource transfer channel from the plurality of resource transfer channels when the used number of transfers of the selected resource transfer channel is not less than the maximum number of transfers of the selected resource transfer channel.

In another possible implementation manner, the first determining module is further configured to determine a maximum number of channels corresponding to the target resource information, and determine a resource transfer channel that has been selected from the plurality of resource transfer channels; when the maximum channel number is larger than the channel number of the selected resource transfer channel, selecting one resource transfer channel from the plurality of resource transfer channels; and when the maximum channel number is not more than the channel number of the selected resource transfer channel, selecting one resource transfer channel from the selected resource transfer channels.

In another possible implementation manner, the first determining module is further configured to obtain, according to a fifth resource value in the target resource transfer information, a maximum channel number corresponding to the fifth resource value from a correspondence between the resource transfer value and the maximum channel number; or acquiring the maximum channel number corresponding to the user level according to the user level corresponding to the terminal, and taking the maximum channel number corresponding to the user level as the maximum channel number corresponding to the target resource information.

In another possible implementation manner, the apparatus further includes:

a second determining module, configured to determine a second target transfer policy according to the target resource information, where the second target transfer policy is a policy for performing resource transfer according to a single channel in the multiple resource transfer policies;

the third display module is used for displaying the first target transfer strategy and the second target transfer strategy;

the first sending module is further configured to perform resource transfer according to the first target resource transfer policy when the first target resource transfer policy is triggered.

In another possible implementation manner, the apparatus further includes:

the fourth display module is used for respectively displaying a first transfer button corresponding to the first target transfer strategy and a second transfer button corresponding to the second target transfer strategy;

a third determining module, configured to determine that the first target resource transfer policy is triggered when the first transfer button is triggered.

In another possible implementation manner, the first sending module is further configured to split a first resource transfer order corresponding to the target resource information into a plurality of second resource transfer orders according to the first target transfer policy; determining order information of each second resource transfer order, wherein the order information comprises a resource transfer channel corresponding to the second resource transfer order, a sixth resource value transferred through the resource transfer channel and a seventh resource value collected by the resource transfer channel; generating the second resource transfer request according to the order information of each second resource transfer order; and sending the second resource transfer request to the first server, wherein the first server is further configured to transfer the target resource information to the target account according to the order information of each resource transfer order after receiving the order information of each resource transfer order.

In another aspect, an apparatus for resource transfer is provided, where the apparatus is applied to a first server, and the apparatus includes:

a first receiving module, configured to receive a second resource transfer request sent by a terminal, where the second resource transfer request carries order information of each second resource transfer order in a plurality of second resource transfer orders, and the order information includes a resource transfer channel corresponding to the second resource transfer order, a sixth resource value transferred through the resource transfer channel, and a seventh resource value collected by the resource transfer channel;

and the resource transfer module is used for transferring the target resource information to a target account according to the order information corresponding to each second resource transfer order.

In a possible implementation manner, the resource transfer module is further configured to send a third resource transfer request to a second server, where the third resource transfer request carries order information of each second resource transfer order, and the second server is configured to receive a sixth resource value and a seventh resource value according to the order information in the third resource transfer request, and send a receiving success indication to the first server after the sixth resource value and the seventh resource value are received successfully; and when receiving the receiving success indication sent by the second server, sending a fourth resource transfer request to the second server, wherein the second server is further used for transferring the received sixth resource value to a third server logged in by the target account through a resource transfer channel.

In another possible implementation manner, the apparatus further includes:

a second receiving module, configured to receive the resource transfer result sent by the third server;

and the second sending module is used for sending the resource transfer result to the terminal.

In another aspect, a terminal is provided, where the terminal includes a processor and a memory, where the memory stores at least one instruction, and the at least one instruction is loaded and executed by the processor to implement the resource transfer method according to the embodiment of the present disclosure.

In another aspect, a first server is provided, where the first server includes a processor and a memory, where the memory stores at least one instruction, and the at least one instruction is loaded and executed by the processor to implement the resource transfer method according to the embodiment of the present disclosure.

In another aspect, a computer-readable storage medium is provided, in which at least one instruction is stored, the at least one instruction being loaded and executed by a processor to implement a resource transfer method as described in an embodiment of the present disclosure.

In another aspect, a computer-readable storage medium is provided, in which at least one instruction is stored, the at least one instruction being loaded and executed by a processor to implement the resource transfer method according to any one of the embodiments of the present disclosure.

In the embodiment of the disclosure, a terminal displays target resource information in a resource transfer interface; when a first resource transfer request submitted by a user is received, a plurality of resource transfer channels are obtained according to a target account and target resource information; according to the multiple resource transfer channels and the target resource information, determining a first target transfer strategy that a first server receives the minimum resource transfer value when transferring the target resource transfer information; displaying a first target transfer strategy; when a transfer instruction triggered by a user based on a first target transfer strategy is received, a second resource transfer request is sent to the first server according to the first target transfer strategy, so that more resource transfer choices are provided for the user, resource transfer modes are enriched, maintenance cost of a resource transfer channel is reduced, and resource transfer cost of the user is reduced.

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 disclosure.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and together with the description, serve to explain the principles of the disclosure.

FIG. 1 is a diagram illustrating a system architecture involved in a resource transfer method according to an exemplary embodiment of a portion of the present disclosure;

FIG. 2 is a flow chart illustrating a method of resource transfer according to an exemplary embodiment of a portion of the present disclosure;

FIG. 3 is a flow chart illustrating a method of resource transfer according to an exemplary embodiment of a portion of the present disclosure;

FIG. 4 is a flowchart illustrating a method of resource transfer according to an exemplary embodiment of a portion of the present disclosure;

FIG. 5 is a flowchart illustrating a method of resource transfer according to an exemplary embodiment of part of the present disclosure;

FIG. 6 is a schematic diagram of a resource transfer device according to an exemplary embodiment of the present disclosure;

FIG. 7 is a schematic diagram of a resource transfer device according to an exemplary embodiment of the present disclosure;

fig. 8 is a schematic diagram of a terminal according to an exemplary embodiment of a portion of the present disclosure;

fig. 9 is a schematic diagram of a server according to an exemplary embodiment of the present disclosure.

Detailed Description

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

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the exemplary embodiments below are not intended to represent all implementations consistent with the present disclosure. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present disclosure, as detailed in the appended claims.

Fig. 1 is a diagram of a system architecture involved in a resource transfer method according to an exemplary embodiment of the present disclosure, the system architecture including: a terminal 101, a first server 102 and a second server 103. The terminal 101 is the terminal 101 that initiates the resource transfer request in the embodiment of the present disclosure. The terminal 101 is installed with a third-party application, the first server 102 is a server corresponding to the third application, and the second server 103 is a server corresponding to the resource transfer system, wherein the first server 102 performs data interaction with the terminal 101 and the second server 103 through a network link or a data interface. The terminal 101 may be a mobile phone, a computer, or a wearable device. The third-party application is an application corresponding to an independent organization with certain strength and credit guarantee, and the third-party application can be a payment application, a social network application or a bank client application and the like.

The terminal 101 may display a resource transfer interface, where the resource transfer interface is used to transfer resources to a target account, and the resource transfer interface includes target resource information for a user to prepay the target account. When the terminal 101 receives a first resource transfer request submitted by a user based on the resource transfer interface, the terminal 101 acquires a plurality of resource transfer channels for resource transfer from the first server 102 according to the target account and the target resource information; the terminal 101 determines a first target transfer policy according to the multiple resource transfer channels and the target resource information, where the first target transfer policy is a resource transfer policy with a minimum resource transfer value received by the first server 102 when transferring the target resource transfer information, and the first target transfer policy includes multiple target resource transfer channels in the multiple resource transfer channels and resource information transferred through each target resource transfer channel; the terminal 101 presents the first target policy in the resource transfer interface. When receiving a transfer instruction triggered based on the first target transfer policy, the terminal 101 sends a second resource transfer request to the first server 102 according to the first target transfer policy, and the first server 102 transfers the target resource information to the target user according to the first target transfer policy.

The first server 102 splits the first resource transfer order corresponding to the target resource information to obtain a plurality of second resource transfer orders. The first server 102 performs resource transfer according to the plurality of second resource transfer orders, and the first server 102 may send the plurality of resource transfer orders to the second server 103, and the second server 103 performs a process of collecting and paying for resources, thereby completing the resource transfer.

The resource transfer process includes a process of receiving resources and a process of paying for resources, and in the embodiment of the present disclosure, the resource transfer process is not specifically limited. For example, the resource transfer process may be a resource transfer process in which the user purchases online via the third-party application, pays a living fee online, transfers money, withdraws cash or repays a credit card.

In the embodiment of the disclosure, in the resource transfer process, when the terminal determines to perform resource transfer on target resource information according to the target resource information and a plurality of resource transfer channels, a first target policy with a minimum resource transfer value received by a first server is displayed to a user, when a transfer instruction triggered based on the first target transfer policy is received, a second resource transfer request is sent to the first server according to the first target policy, and when the first server receives the second resource transfer request, resource transfer is performed according to the first target policy, so that resource transfer through a plurality of channels is realized, and channel cost generated by resource transfer is reduced.

Fig. 2 is a flowchart of a resource transfer method, which is applied to a terminal, according to an exemplary embodiment, and includes the following steps:

step 201: and displaying a resource transfer interface for transferring resources to the target account, wherein the resource transfer interface comprises target resource information for prepaying the target account by the user.

Step 202: and when a first resource transfer request submitted by the user based on the resource transfer interface is received, acquiring a plurality of resource transfer channels for resource transfer from the first server according to the target account and the target resource information.

Step 203: according to the multiple resource transfer channels and the target resource information, determining that the first server receives a first target transfer strategy with a minimum resource transfer value when the target resource transfer information is transferred, wherein the first target transfer strategy comprises the multiple target resource transfer channels in the multiple resource transfer channels and the resource information transferred through each target resource transfer channel.

Step 204: and displaying the first target transfer strategy.

Step 205: when a transfer instruction triggered by the user based on the first target transfer policy is received, sending a second resource transfer request to the first server according to the first target transfer policy, wherein the second resource transfer request is used for transferring the target resource information to the target account by the first server according to the first target transfer policy.

In another possible implementation manner, the determining, according to the target resource information and the plurality of resource transfer channels, a first target transfer policy with a minimum resource transfer value under the limitation of the resource transfer policy limitation information includes:

the resource transfer strategy comprises a plurality of target resource transfer channels and a second resource value transferred by each target resource transfer channel, and for each target resource transfer channel, a third resource value charged by transferring the second resource value through the target resource transfer channel is determined according to the charging rule of the target resource transfer channel and the second resource value;

and determining the sum of the third resource values received by each target resource transfer channel in the resource transfer strategy as the first resource value received when the resource transfer strategy transfers resources.

selecting a resource transfer channel from the plurality of resource transfer channels, determining a fourth resource value transferred through the selected resource transfer channel according to the maximum transfer limit of the selected resource transfer channel and the remaining resource value in the target resource information when the used transfer frequency of the selected resource transfer channel is less than the maximum transfer frequency of the selected resource transfer channel, and recording the selected resource transfer channel and the fourth resource value as a transfer path;

and composing the recorded transfer paths into a resource transfer strategy.

In another possible implementation manner, the method further includes:

when the used transfer times of the selected resource transfer channel is not less than the maximum transfer times of the selected resource transfer channel, the step of selecting the resource transfer channel from the plurality of resource transfer channels is executed.

In another possible implementation manner, the method further includes:

displaying the first target transfer strategy and the second target transfer strategy;

when the first target resource transfer strategy is triggered, executing the step of resource transfer according to the first target resource transfer strategy.

In another possible implementation manner, the method further includes:

when the first transfer button is triggered, it is determined that the first target resource transfer policy is triggered.

Fig. 3 is a flowchart of a resource transfer method, which is applied to a first server, according to an exemplary embodiment, and the resource transfer method includes the following steps:

step 301: receiving a second resource transfer request sent by the terminal, where the second resource transfer request carries order information of each second resource transfer order in multiple second resource transfer orders, and the order information includes a resource transfer channel corresponding to the second resource transfer order, a sixth resource value transferred through the resource transfer channel, and a seventh resource value charged by the resource transfer channel.

Step 302: and transferring the target resource information to a target account according to the order information corresponding to each second resource transfer order.

sending a third resource transfer request to a second server, wherein the third resource transfer request carries the order information of each second resource transfer order, the second server is used for receiving a sixth resource value and a seventh resource value according to the order information in the third resource transfer request, and sending a receiving success indication to the first server after the sixth resource value and the seventh resource value are received successfully;

In another possible implementation manner, after sending a fourth resource transfer request to the second server when receiving the receiving success indication sent by the second server, the method further includes:

receiving a resource transfer result sent by the third server;

and sending the resource transfer result to the terminal. :

Fig. 4 is a flowchart of a resource transfer method according to an exemplary embodiment, and in the embodiment of the present disclosure, a description is given by taking an example that a terminal splits a first resource transfer order corresponding to a first resource value according to the first resource value and a plurality of resource transfer channels, and then performs resource transfer, as shown in fig. 4, the resource transfer method includes the following steps:

step 401: and the terminal displays a resource transfer interface for transferring the resource to the target account, wherein the resource transfer interface comprises target resource information for prepaying the target account by the user.

The resource transfer interface can be a resource transfer interface corresponding to a third party application, and the target resource information of the prepayment target account can be transferred to the target account through the resource transfer interface terminal. The target resource information includes a first resource value for the user to prepay the target account, the target resource information may be target resource information input by the user, and the target resource information may also be target resource information generated by the terminal according to a record for the user to prepay the target account.

When the target resource information is target resource information input by a user, the resource transfer interface may include a resource transfer value filling option, the terminal fills a first resource transfer value input by the user according to the resource transfer value filling option, and generates the target resource information according to the first resource transfer value.

When the target resource transfer information is the target resource information generated by the terminal according to the record of the target account pre-paid by the user, the terminal acquires at least one bill pre-paid by the user, counts the sum of resource transfer values in the at least one bill, and determines the resource transfer value as the target resource transfer information.

In addition, it should be noted that when the target resource is transferred to the target resource information generated by the terminal according to the record of the user prepaying the target account, the terminal may further receive a modification instruction triggered by the user based on the resource transfer interface, and when receiving the modification instruction, set the target transfer information to an editable state, receive the modified target transfer information input by the user, and determine the modified target transfer information as the current target transfer information.

Step 402: when a first resource transfer request submitted by a user based on a resource transfer interface is received, the terminal obtains a plurality of resource transfer channels for resource transfer from the first server according to the target account and the target resource information.

The terminal may generate a first resource transfer request according to the target account and the target resource information. When the operation that the user submits the first resource transfer request is detected, the first resource transfer request submitted by the user based on the resource transfer interface is determined to be received. The terminal can determine that the operation of submitting the first resource transfer request is detected when receiving the target resource information in the resource transfer interface; the resource transfer interface can further comprise a bill submission button, and when the terminal detects that the bill submission button is triggered, the terminal determines to detect the operation of submitting the first resource transfer request by the user.

When the terminal receives the first transfer request, the terminal determines that resource transfer is needed, and the step of acquiring a plurality of resource transfer channels from the first server is executed. The resource transfer channels are used for transferring the target resource information to the target account. The process that the terminal acquires a plurality of resource transfer channels from the first server can be realized through the following steps (1) to (5):

(1) the terminal sends a first acquisition request to a first server, wherein the first acquisition request carries a terminal identifier of the terminal.

When determining that resource transfer is needed, the terminal sends a first acquisition request to the first server, where the first acquisition request is used to acquire a plurality of currently available resource transfer channels. The first obtaining request may also carry the target resource information.

(2) The first server receives the first acquisition request.

(3) The first server determines a plurality of resource transfer channels that are currently available.

The plurality of resource transfer channels are resource transfer channels that can be used when the second server performs resource transfer. In one possible implementation, the first server directly obtains a plurality of resource transfer channels currently available. Correspondingly, after receiving the first acquisition request, the first server determines a plurality of currently available resource transfer channels.

In the implementation manner, the first server directly determines the plurality of currently available resource transfer channels, so that more resource transfer channel selections are provided for the terminal, and the first server directly determines the plurality of currently available resource transfer channels, so that the efficiency of determining the plurality of resource transfer channels is improved.

In another possible implementation manner, the first server determines, according to the target resource information, a plurality of resource transfer channels corresponding to the target resource information value. Correspondingly, after receiving the first acquisition request, the first server determines target resource information carried by the first acquisition request, determines the channel number of resource transfer channels corresponding to the target resource information according to the target resource information, and selects a plurality of resource transfer channels corresponding to the channel number from a plurality of currently available resource transfer channels according to the channel number of the resource transfer channels.

In this implementation manner, the first server determines, through the first acquisition request, target resource information corresponding to the resource transfer of this time, and determines, according to the target resource information, resource transfer channels in a number corresponding to the target resource information, so that the resource transfer channels can be reasonably allocated.

In addition, the first server may determine a plurality of resource transfer channels currently available when receiving the first acquisition request; the first server can also periodically acquire a plurality of currently available resource transfer channels; the first server can also detect the updating condition of the resource transfer channel in real time, and when the updating condition of the resource transfer channel is detected, a plurality of currently available resource transfer channels are obtained.

Accordingly, in one possible implementation, the first server may determine the plurality of resource transfer channels currently available only when receiving the first acquisition request. In the present event mode, the first server acquires the currently available multiple resource transfer channels when receiving the first acquisition request, thereby ensuring the accuracy of the currently available resource transfer channels.

In another possible implementation manner, the first server may further obtain, once every first preset time, a plurality of currently available resource transfer channels, store the obtained plurality of currently available resource transfer channels, and when the first obtaining request is received, determine the plurality of resource transfer channels directly from the stored plurality of resource transfer channels. The first preset time period may be set as needed, and is not particularly limited in the embodiment of the present disclosure. For example, the first preset time period may be 1min, 3min, or 5 min.

In this implementation manner, the first server determines the current available resource transfer channel once every other first preset duration, and stores the available resource transfer channel, and when receiving the first acquisition request, the terminal may directly acquire the multiple currently available resource transfer channels from among the multiple stored resource transfer channels, thereby improving the efficiency of acquiring the multiple resource transfer channels.

In another possible implementation manner, the first server may further determine, when it is detected that the resource transfer channel is updated, a plurality of updated resource transfer channels, and store the plurality of updated resource transfer channels. Correspondingly, when the first server receives the first acquisition request, the stored multiple resource transfer channels are determined to be currently available multiple resource transfer channels. When the resource transfer channels are updated, the second server may send an update instruction to the first server, and correspondingly, after receiving the update instruction, the first server updates the stored multiple resource transfer channels according to the update instruction. The first server may further detect, every second preset duration, whether the current resource transfer channel is updated, and when it is detected that the resource transfer channel is updated, update the stored resource transfer channel according to the updated resource transfer channel. The second preset time period may be set and changed as needed, and is not specifically limited in the embodiment of the present disclosure. For example, the second preset time period may be 1min, 3min, or 5min, etc.

In this implementation manner, the first server stores the updated plurality of resource transfer channels whenever detecting that the resource transfer channels are updated, so that the efficiency of acquiring the plurality of resource transfer channels is improved.

(4) And the first server sends the plurality of resource transfer channels to the terminal.

The first server may send the plurality of resource transfer channels to the terminal in a form of a resource transfer channel list. And the first server sends the plurality of resource transfer channels to the terminal according to the terminal identifier of the terminal in the first acquisition request.

(5) The terminal receives a plurality of resource transfer channels sent by the server.

Step 403: and the terminal determines the resource transfer strategy limitation information according to the plurality of resource transfer channels.

After the terminal acquires the resource transfer channels, the resource transfer strategy restriction information of each resource transfer channel can be determined. The resource transfer strategy limitation information comprises a maximum split order number, and a maximum transfer frequency and a maximum transfer limit of each resource transfer channel.

The resource transfer policy restriction information of the resource transfer channel may change with time, and accordingly, when acquiring the resource transfer policy restriction information of the resource transfer channel, the terminal may determine the resource transfer time first, and then determine the resource transfer policy restriction information of the resource transfer channel corresponding to the resource transfer time. The process can be realized by the following steps (1) to (2), including:

(1) the terminal determines a resource transfer time.

It should be noted that the resource transfer time may be a current time or a time preset by a user, and the resource transfer time is not specifically limited in the embodiment of the present disclosure. Correspondingly, the terminal can determine the current time and take the current time as the resource transfer time; the terminal can also determine the preset time input by the user, and the preset time is used as the resource transfer time.

(2) And the terminal acquires the resource transfer strategy limiting information of each resource transfer channel corresponding to the resource transfer time from the server according to the resource transfer time.

In a possible implementation manner, when receiving multiple resource transfer channels sent by a first server, a terminal determines channel identifiers of the multiple resource transfer channels, and acquires resource transfer policy restriction information of the multiple resource transfer channels from the first server according to the channel identifiers of the multiple resource transfer channels. Correspondingly, the terminal may send a second acquisition request to the first server, where the second acquisition request carries channel identifiers of a plurality of currently available resource transfer channels, and is used to acquire resource transfer policy restriction information corresponding to the plurality of resource transfer channels; the first server node receives the second acquisition request, determines resource transfer strategy limiting information corresponding to the plurality of resource transfer channels according to the second acquisition request, and sends the resource transfer strategy limiting information of the plurality of resource transfer channels to the terminal; and the terminal receives the resource transfer strategy limitation information of the plurality of resource transfer channels sent by the first server.

In this implementation manner, the terminal can send a second acquisition request to the first server through the acquired resource transfer channel, and the first server acquires the resource transfer policy restriction information of the corresponding resource transfer channel according to the second acquisition request after receiving the second acquisition request, so that the first server has pertinence when acquiring the resource transfer policy restriction information, and the efficiency of acquiring the resource transfer policy restriction information of the resource transfer channel is improved.

In another possible implementation manner, after the terminal sends the first acquisition request to the first server, the first server determines, according to the first acquisition request, a plurality of currently available resource transfer channels and resource transfer policy restriction information corresponding to each resource transfer channel. Correspondingly, the terminal sends a first acquisition request to the first server; the first server receives the first acquisition request, determines a plurality of resource transfer channels and resource transfer policy restriction information of each channel according to the first acquisition request, sends the resource transfer policy restriction information corresponding to the resource transfer channels and the plurality of resource transfer channels to the terminal, and the terminal receives the resource transfer channels sent by the first server and the resource transfer policy restriction information corresponding to the resource transfer channels.

In this implementation manner, when the first server sends the multiple resource transfer channels to the terminal, the resource transfer policy restriction information of the multiple resource transfer channels is sent to the terminal together, and the terminal does not need to obtain the resource transfer policy restriction information of the multiple resource transfer channels through the second obtaining request, so that the efficiency of obtaining the resource transfer policy restriction information by the terminal is improved.

It should be noted that the resource transfer policy restriction information of the resource transfer channel may also not change with time, and correspondingly, the terminal may obtain the resource transfer policy restriction information of all resource transfer channels from the first server, and store the resource transfer policy restriction information of the plurality of resource transfer channels locally; accordingly, this step can be replaced by: and the terminal acquires the resource transfer strategy limiting information of the currently available resource transfer channel from the locally stored resource transfer strategy limiting information of the plurality of resource transfer channels according to the channel identifier of the resource transfer channel.

In this implementation manner, the terminal stores the resource transfer policy restriction information of the resource transfer channel locally, and thus when the terminal needs to acquire the resource transfer policy restriction information of the resource transfer channel, the terminal can directly acquire the resource transfer policy restriction information of the resource transfer channel locally, thereby improving the acquisition efficiency of the resource transfer policy restriction information of the resource transfer channel.

It should be noted that, as can be seen from step (1), the resource transfer time may be the current time or the time preset by the user. Correspondingly, in this step, in a possible implementation manner, when the resource transfer time is the current time, the resource transfer policy restriction information of the resource transfer channel is the resource transfer policy restriction information of the current resource transfer channel.

In the implementation mode, the terminal determines the current resource transfer strategy limiting information of the resource transfer channel according to the current time, so that the accuracy of the resource transfer strategy limiting information of the resource transfer channel is improved.

In another possible implementation manner, the resource transfer time is a time preset by a user, and correspondingly, the resource transfer policy restriction information corresponding to the resource transfer channel may be: and the first server predicts the resource transfer strategy limiting information of the resource transfer channel according to the resource transfer strategy limiting information of the current resource transfer channel to obtain the predicted resource transfer strategy limiting information corresponding to the preset time.

In this implementation manner, the terminal obtains the resource transfer policy restriction information of the resource transfer channel within the preset time, so that the terminal can determine the resource transfer policy restriction information of the resource transfer channel in advance, and further determine the resource transfer policy according to the resource transfer policy restriction information of the resource transfer channel in advance.

Step 404: and the terminal determines a first target transfer strategy with the minimum resource transfer value under the limitation of the resource transfer strategy limitation information according to the target resource information and the plurality of resource transfer channels.

The first target transfer strategy is a resource transfer strategy which has the minimum value of the transferred resource when the resource transfer is carried out through the plurality of resource transfer channels under the condition that the resource transfer strategy of the resource transfer channels executes information first.

The terminal may determine a plurality of resource transfer policies according to the target resource information and the plurality of resource transfer channels, and determine a resource transfer value to be transferred when the plurality of resource transfer policies perform resource transfer, thereby selecting a resource transfer policy with a minimum transferred resource transfer value, and using the resource transfer policy as the first target transfer policy. The process can be realized by the following steps (1) to (3), including:

(1) and the terminal generates a plurality of resource transfer strategies according to the target resource information, the plurality of resource transfer channels and the resource transfer strategy limiting information.

When the terminal generates the resource transfer strategy, it may select a resource transfer channel from the multiple resource transfer channels, and according to the resource transfer strategy limitation information of the resource transfer channel and the current remaining resource numerical value, select the resource transfer channel again until the resource transfer channel can transfer all the remaining resource transfer numerical values, and then according to the resource transfer channel performing resource transfer each time and the resource numerical value transferred each time, determine a resource transfer strategy. The process can be realized by the following steps (1-1) - (1-6), including:

(1-1) the terminal selects a resource transfer channel from the plurality of resource transfer channels.

Referring to fig. 5, before this step, the terminal may determine the maximum number of channels that can be used when transferring the target resource information this time. When the maximum channel number is larger than the channel number of the selected resource transfer channel, selecting one resource transfer channel from the plurality of resource transfer channels; and when the maximum channel number is not more than the channel number of the selected resource transfer channel, selecting one resource transfer channel from the selected resource transfer channels. That is, when the maximum number of channels is greater than the number of channels of the selected resource transfer channel, which indicates that the number of channels that can be used by the terminal is greater than the number of channels that have been used currently, the terminal may select an unused resource transfer channel, and correspondingly, the number of channels that have been used is increased by 1, and when the maximum number of channels is not greater than the number of channels of the selected resource transfer channel, which indicates that the number of channels that can be used by the terminal at most has reached the maximum value, the terminal may select a used resource transfer channel only from the selected resource transfer channel, and correspondingly, the number of times of use of the channel is increased by 1.

In a first implementation manner, the terminal obtains the maximum number of channels corresponding to the target resource information from the corresponding relationship between the resource transfer value and the maximum number of channels according to the target resource information. The terminal stores the corresponding relation between the resource transfer value and the maximum channel number in advance, and when the terminal transfers resources, the maximum channel number corresponding to the target resource information is determined from the target resource information and the maximum channel number according to the target resource information.

In the implementation mode, the size of the maximum channel number is determined according to the size of the target resource information, so that the condition that the resource transfer channel is insufficient or excessive when the resource transfer is carried out through the resource transfer channel is avoided, and the reasonable utilization of the resource transfer channel is ensured.

In a second implementation manner, the terminal obtains the maximum number of channels corresponding to the user level according to the user level corresponding to the terminal, and takes the maximum number of channels corresponding to the user level as the maximum number of channels corresponding to the target resource information. Correspondingly, the terminal determines the user level corresponding to the terminal first, and determines the maximum channel number corresponding to the target resource information from the corresponding relationship between the user level and the maximum channel number according to the user level, where the maximum channel number may be in direct proportion to the user level, that is, the higher the user level is, the higher the maximum channel number is. The user corresponding to the terminal may be a level of a user currently logged in the terminal.

In the implementation mode, the maximum channel number which can be used by the user is determined according to the grade of the user, so that the grade of the user is improved, and the viscosity of the user is improved.

In a third implementation manner, the terminal may further determine, according to the type of the user, the maximum number of channels corresponding to the user type. Wherein the type of the user can be a common user or a member user, etc.

In the implementation mode, the maximum channel number which can be used by the user is determined according to the category of the user, and the viscosity of the user is improved.

It should be noted that, in the three implementation manners, the three implementation manners may be combined when the terminal determines the maximum number of channels, and this is not specifically limited in the embodiment of the present disclosure.

In this step, in a possible implementation manner, the terminal may randomly select one resource transfer channel from a plurality of currently available resource transfer channels. In the implementation mode, the terminal randomly selects the resource transfer channel, so that the selectivity of the resource transfer channel is enriched.

In another possible implementation manner, the terminal may also number a plurality of currently available resource transfer channels in advance, and sequentially select the resource transfer channels according to the numbers; correspondingly, the terminal may sequentially select resource transfer channels with numbers from small to large according to the numbers, or the terminal may sequentially select resource transfer channels with numbers from large to small according to the numbers, which is not specifically limited in the embodiment of the present disclosure.

In the implementation mode, the terminal selects the resource transfer channel according to the serial number of the resource transfer channel, and the resource transfer channel can be uniformly used.

In another possible implementation manner, the terminal may select the resource transfer channel according to the current number of times of use of the resource transfer channel. Correspondingly, after confirming the maximum channel number corresponding to the target resource information, the terminal may determine the currently selected resource transfer channel, determine whether the currently used resource transfer channel number is smaller than the maximum channel number through the selected resource transfer channel, and when the maximum channel number is larger than the currently used resource transfer channel number, execute the step of selecting the resource transfer channel from the multiple resource transfer channels by the terminal.

When the terminal selects the resource transfer channel, it needs to determine whether the number of times of use of the selected resource transfer channel has reached the maximum number of times of transfer of the resource transfer channel, so as to select the resource transfer channel whose current number of times of use is less than the maximum number of times of transfer.

In a possible implementation manner, when the terminal selects the resource transfer channel, one resource transfer channel can be directly selected from the multiple resource transfer channels, and then the used times of the resource transfer channel are determined; in another possible implementation manner, the terminal may further determine the used times of each resource transfer channel, determine at least one resource transfer channel of which the used times is smaller than the maximum transfer time from the plurality of resource transfer channels, and then select one resource transfer channel from the at least one resource transfer channel. In the embodiment of the present disclosure, a method for selecting the resource transfer channel is not particularly limited.

And (3) when the used transfer times of the selected resource transfer channel is less than the maximum transfer times of the selected resource transfer channel, executing the step (1-2), and when the used transfer times of the selected resource transfer channel is not less than the maximum transfer times of the selected resource transfer channel, executing the step (1-3).

(1-2) when the used transfer times of the selected resource transfer channel is less than the maximum transfer times of the selected resource transfer channel, the terminal determines a fourth resource value transferred through the selected resource transfer channel according to the maximum transfer limit of the selected resource transfer channel and the remaining resource value in the target resource information, and records the selected resource transfer channel and the fourth resource value as a transfer path.

Continuing to refer to fig. 5, in this step, when the remaining resource value in the target resource information is greater than the maximum transfer limit of the resource transfer channel, the fifth resource value is the same as the maximum transfer limit of the resource transfer channel; when the remaining resource value in the target resource information is not greater than the maximum limit of the resource transfer channel, the fourth resource value is the same as the remaining resource value in the target resource information.

(1-3) when the used transfer times of the selected resource transfer channel is not less than the maximum transfer times of the selected resource transfer channel, the terminal performs the step of selecting a resource transfer channel from the plurality of resource transfer channels.

With continued reference to fig. 5, when the used number of transitions of the selected resource transition channel is not less than the maximum number of transitions of the selected resource transition channel, the resource transition channel is reselected from the plurality of resource transition channels.

(1-4) the terminal updates the remaining resource value according to the remaining resource value and the fourth resource value.

Continuing to refer to fig. 5, the terminal subtracts the fourth resource value from the resource value in the remaining resource values to obtain the updated remaining resource value.

(1-5) the terminal adds one to the used transfer times of the selected resource transfer channel, and then performs the step of selecting a resource transfer channel from the plurality of resource transfer channels until the remaining resource value is not greater than zero.

Continuing to refer to fig. 5, in this step, when the resource transfer channel selected by the terminal is an unused resource transfer channel, the number of used channels is increased by 1; when the terminal selects a used resource transfer channel from the selected resource transfer channels, the number of times of use of the resource transfer channel is increased by 1.

And (1-6) the terminal makes the recorded transfer paths into a resource transfer strategy.

With continued reference to fig. 5, in this step, the terminal forms a resource transfer policy from a plurality of resource transfer paths. And (5) repeatedly executing the steps (1-1) - (1-6) and determining a plurality of resource transfer strategies.

It should be noted that, the process of determining the multiple resource transfer policies may also be completed by the fourth server, and correspondingly, the terminal sends the target resource information and the multiple resource transfer channels to the fourth server; the fourth server receives target resource information and a plurality of resource transfer channels which are to be sent by the terminal; the fourth server determines a plurality of resource transfer strategies according to the target resource information and a plurality of resource transfer channels; the fourth server sends the resource transfer strategies to the terminal; and the terminal receives the plurality of resource transfer strategies sent by the fourth server. The process of determining the multiple resource transfer strategies by the server according to the target resource information and the multiple resource transfer channels is similar to the process of determining the multiple resource transfer strategies by the terminal according to the target resource information and the multiple resource transfer channels, and is not described herein again.

In the embodiment of the disclosure, the terminal determines a plurality of resource transfer strategies through the target resource information and the resource transfer strategy restriction information of the resource transfer channel, so as to provide a plurality of resource transfer strategies for the user, and enrich the resource transfer strategies when the user performs resource transfer.

In addition, after acquiring the multiple resource transfer channels, the terminal splits the resources according to the charging rules of the resource transfer channels, for example, the charging rule of any resource transfer channel is as follows: when the value of the transfer resource is 1-20000, the resource is collected according to 0.05%, and when the value of the transfer resource is 20000-plus 50000, the resource is collected according to 0.1%, the resource transfer channel is divided into C1(1-20000) and C2 (20000-plus 50000), and the two channels respectively collect the resource according to 0.05% and 0.1%.

According to the steps (1-1) - (1-6), when the value of the resource to be transferred corresponding to the target transfer information is S, the rule for receiving the resource by the plurality of resource transfer channels is CR (CR)₁、CR₂、CR₃… …), the maximum resource transfer limit of each resource transfer channel is CL, and the resource transfer value allocated to each resource transfer channel is n (n)₁、n₂、n₃… …), when there are k resource transfer channels and the maximum split order number is OrderNum, the first target transfer strategy can be determined by the following formulas one to three:

the formula I is as follows:

wherein S represents the resource transfer value corresponding to the target resource information, MinRate (S) represents the resource received by the resource transfer channel corresponding to the first target transfer strategy when the target resource information is S,

indicating the sum of resources received during the resource transfer for each resource transfer channel, CR_iA rule indicating that the ith resource transfer channel receives resources, n_iAnd k represents the number of the resource transfer channels transferred by the ith resource transfer channel.

The formula II is as follows:

wherein n is_iSatisfies n_i0 or

Min(CL_i)＜n_i≤Max(CL_i)；

Wherein n is_iA resource transfer value representing the transfer of the ith resource transfer channel, k representing the number of resource transfer channels, CL_iRepresents the maximum resource transfer amount, n, of the ith resource transfer channel_i/CL_iIndicates the number of resource transfer channels used, Min (CL)_i) Transferring a channel for the ith resourceMinimum resource transfer limit, Max (CL), allowing transfer_i) The maximum resource transfer limit allowed to be transferred for the ith resource transfer channel.

The formula III is as follows:

wherein S represents a resource transfer value corresponding to the target resource information, n_iAnd k represents the number of the resource transfer channels transferred by the ith resource transfer channel.

Through the formulas I to III, it can be determined that when the target resource information is S, the optimal solution of MinRate (S) is obtained under the limitation of the resource transfer strategy limitation information, namely the first target transfer strategy.

(2) For each resource transfer strategy, the terminal determines a first resource value received by the first server when the resource transfer is carried out through the resource transfer strategy.

Wherein, the first resource value is the sum of the third resource values received by each resource transfer channel in the resource transfer strategy. And when the terminal determines that each resource transfer strategy carries out resource transfer, a third resource value which needs to be collected is the sum of the second resource value which needs to be transferred for resource transfer and the resource transfer channel cost which needs to be paid. The process can be realized by the following steps (2-1) - (2-2), including:

(2-1) for each target resource transfer channel, the terminal determines a third resource value charged by transferring the second resource value through the target resource transfer channel according to the charging rule of the target resource transfer channel and the second resource value.

And the terminal determines an eighth resource value of each resource transfer channel according to the resource transfer strategy limitation information of each resource transfer channel, wherein the eighth resource value is a resource value which needs to be received by the resource transfer channel when the ninth resource value is transferred through the resource transfer channel each time.

In this step, the terminal determines, through the resource transfer policy restriction information of each resource transfer channel, an eighth resource value of each resource transfer channel, where the eighth resource value is determined by a channel rate of the resource transfer channel, for example, if the channel rate of the resource transfer channel is 0.01%, and the ninth resource value is 100, the eighth resource value is 1.

And the terminal determines a third resource value of the resource transfer channel according to the eighth resource value, the use times of the resource transfer channel and the fourth resource value.

And the third resource value is the total resource value which is received by the resource transfer channel in the current resource transfer process when the resource transfer is carried out through the resource transfer channel. For example, if the eighth resource value is 1, the ninth resource value is 100, the number of times of using the resource transfer channel is 5, and the fourth resource value used each time is 1000, then the third resource value is 5050.

And (2-2) the terminal determines the sum of the third resource values received by each target resource transfer channel in the resource transfer strategy as the first resource value received when the resource transfer strategy transfers resources.

In this step, the terminal determines, as the first resource value, the sum of the third resource values corresponding to each resource transfer channel according to the sum of the third resource values corresponding to each resource transfer channel in the resource transfer policy.

(3) And selecting the resource transfer strategy with the minimum first resource value from the plurality of resource transfer strategies as a first target transfer strategy.

The terminal may select a resource transfer policy with a minimum first resource value from the plurality of resource transfer policies as a first target transfer policy. Correspondingly, the step can be realized by the following steps: the terminal selects a resource transfer strategy corresponding to the smallest first resource value from the plurality of resource transfer strategies according to the first resource value corresponding to each resource transfer strategy; and the terminal takes the resource transfer strategy corresponding to the minimum first resource value as the first target transfer strategy.

In a possible implementation manner, the terminal may directly perform step 406 after determining the first target transfer policy, and perform resource transfer according to the first target policy; in another possible implementation manner, after the terminal determines the first target transfer policy, the terminal may display the first target transfer policy on the terminal, and when a transfer instruction is received, step 406 is executed, and resource transfer is performed according to the first target policy.

Step 405: and the terminal displays the first target transfer strategy.

The terminal may expose the first goal transition policy based on the resource transition interface. The terminal may also display the first goal transition policy in other display interfaces, which are not specifically limited in the embodiment of the present disclosure. In addition, the terminal can display the first target resource transfer strategy and the first resource value corresponding to the other resource transfer strategies in a display interface of the terminal for the user to select. In another possible implementation manner, the terminal may also only display a prompt message, where the prompt message may be "the lowest resource value is X, whether to pay using the method," or the like.

In the implementation mode, the terminal firstly displays the first resource value corresponding to the target resource transfer strategy to the user, and the user determines whether to perform resource transfer according to the target resource transfer strategy, so that the safety of resource transfer is improved.

Another point to be noted is that the terminal may also display other resource transfer policies while displaying the first target transfer policy, where the other resource transfer policies may be other transfer policies for performing resource transfer through multiple channels, or may be a second target transfer policy for performing resource transfer through a single channel for the target resource information. Correspondingly, before this step, the terminal may further generate a second target transfer, and display the first target transfer policy and the second target transfer policy in the terminal, and accordingly, when the terminal detects that the first target transfer policy is triggered, execute step 406, perform resource transfer according to the first target transfer policy, and when the terminal detects that the second target transfer policy is triggered, perform resource transfer according to a channel corresponding to the second target transfer policy. The process may be:

(1) and the terminal determines a second target transfer strategy according to the target resource information.

The second target transfer strategy is a strategy for transferring resources according to a single channel in the plurality of resource transfer strategies.

(2) And the terminal displays the first target transfer strategy and the second target transfer strategy.

In this step, the terminal displays the first and second target transfer policies on the resource transfer interface. The resource transfer interface may display a first label corresponding to the first targeting policy and a second label corresponding to the second targeting policy.

(3) When the first target resource transfer policy is triggered, the terminal performs step 406.

In a possible implementation manner, the first tag and the second tag displayed in the resource transfer interface are selectable tags, a determination button is further displayed in the resource transfer interface, and when the terminal detects that the determination button is triggered, the currently selected tag is determined, so that the target transfer policy corresponding to the tag is determined. When the selected label is the first label, the terminal executes step 406 to perform resource transfer according to the first target transfer strategy; and when the selected label is the second label, the terminal transfers the resource according to the first target transfer strategy.

In another possible implementation manner, a first transfer button and a second transfer button are further displayed in the resource transfer interface, where the first transfer button corresponds to the first target transfer policy, and the second transfer button corresponds to the second target transfer policy. When the first transfer button is triggered, determining that a first target transfer strategy is triggered, executing step 406, and performing resource transfer by the terminal according to the first target transfer strategy; and when the second transfer button is triggered, determining that a second target transfer strategy is triggered, and carrying out resource transfer by the terminal according to the second target transfer strategy. Accordingly, the process may be: the terminal respectively displays a first transfer button corresponding to the first target transfer strategy and a second transfer button corresponding to the second target transfer strategy; when the first transfer button is triggered, the terminal determines that the first target resource transfer policy is triggered.

It should be noted that the first transfer button and the second transfer button may be displayed separately from the first tab and the second tab, that is, the resource transfer interface includes the first tab, the second tab, the first transfer button, and the second transfer button. The first transfer button and the second transfer button can be set according to the first label and the second label respectively, that is, only the first label and the second label can be displayed in the terminal, the first label corresponds to the first transfer button, the second label corresponds to the second transfer button, and only the first label and the second label are displayed in the resource transfer interface. When the terminal detects that the first label is selected, determining that a first transfer button is triggered; when the terminal detects that the second tag is selected, it is determined that the second transfer button is detected to be triggered.

Step 406: when a transfer instruction of the target resource transfer strategy is received, the terminal splits a first resource transfer order corresponding to the target resource information into a plurality of second resource transfer orders according to the first target transfer strategy.

When receiving target resource information input by a user, a terminal generates a first resource transfer order according to the target resource information, and after determining a first target transfer strategy, the terminal splits the first resource transfer order corresponding to the target resource information according to a resource transfer path in the first target transfer strategy to obtain a plurality of second resource transfer orders. For example, the target resource transfer policy is to transfer a resource value a through a resource transfer channel a, transfer a resource value B through a resource transfer channel B, and transfer a resource value C through a resource transfer channel C, where the sum of the resource value a, the resource value B, and the resource value C is a resource value corresponding to the target resource information. The second resource transfer orders are respectively: a resource transfer order corresponding to the resource transfer channel A, a resource transfer order corresponding to the resource transfer channel B and a resource transfer order corresponding to the resource transfer channel C.

Step 407: the terminal determines order information of each second resource transfer order, wherein the order information comprises a resource transfer channel corresponding to the second resource transfer order, a sixth resource numerical value transferred through the resource transfer channel and a seventh resource numerical value collected by the resource transfer channel.

The terminal determines a resource transfer channel corresponding to each second resource transfer order, a sixth resource value transferred through the resource transfer channel and a seventh resource value received by the resource transfer channel according to the plurality of second resource transfer orders, and generates order information of the second resource transfer order according to the resource transfer channel, the sixth resource value transferred through the resource transfer channel and the seventh resource value received by the resource transfer channel.

Step 408: and the terminal generates a second resource transfer request according to the order information of each second resource transfer order.

The second resource transfer request carries order information of the plurality of second resource transfer orders. Correspondingly, when the terminal receives a plurality of second resource transfer orders, the terminal generates the second resource transfer request according to the order information of the plurality of second resource transfer orders.

It should be noted that, the terminal may generate a plurality of second resource transfer requests according to the plurality of second resource transfer orders, and the second transfer order may also generate one second resource transfer request according to the plurality of second resource transfer orders, which is not specifically limited in the embodiment of the present disclosure.

Step 409: the terminal sends the second resource transfer request to the first server.

When the terminal generates a second resource transfer request according to the plurality of second resource transfer orders, the terminal directly sends the second resource transfer request to the first server. When the terminal generates a plurality of second resource transfer requests according to the plurality of second resource transfer orders, the terminal may sequentially send the second resource transfer requests to the first server, and the terminal may also send the plurality of second resource transfer requests to the first server together. In the embodiments of the present disclosure, this is not particularly limited.

Step 410: and the first server receives a second resource transfer request sent by the terminal.

After receiving a second resource transfer request sent by the terminal, the first server determines order information of a plurality of second resource transfer orders according to the second resource transfer request, and performs resource transfer according to the order information of the plurality of second resource transfer orders.

Step 411: and the terminal transfers the target resource information to the target account according to the order information corresponding to each second resource transfer order.

In one possible implementation manner, the first server transfers the target resource information to the target account directly according to the order information of the plurality of second resource transfer orders. In another possible implementation manner, the first server sends the plurality of second resource transfer orders to the second server, and the second server performs resource transfer on the plurality of second resource transfer orders. The process can be realized by the following steps (1) to (6), including:

(1) the first server sends a third resource transfer request to the second server.

The third resource transfer request carries the order information of each second resource transfer order. The resource transfer includes a process of collecting the resource and a process of paying for the resource. The third resource transfer request is used for instructing the second server to execute a process for charging resources. The first server may send a third resource transfer request to the second server, where the third resource transfer request carries order information of the plurality of second resource transfer orders. The first server may further send a plurality of third resource transfer requests to the second server, where each of the plurality of third resource transfer requests carries order information of one second resource transfer order. In the embodiments of the present disclosure, this is not particularly limited.

(2) The second server receives the first resource transfer request.

In this step, after receiving the third resource transfer request sent by the first server, the second server obtains order information of a plurality of second resource transfer orders according to the third resource transfer request.

(3) And the second server receives the sixth resource value and the seventh resource value according to the order information in the third resource transfer request.

(4) And after the second server successfully receives the sixth resource value and the seventh resource value, the second server sends a receiving success indication to the first server.

In this step, the second server may send a successful receiving indication to the first server after receiving the sixth resource value and the seventh resource value corresponding to the second resource transfer order. The second server may also send the collect success instruction to the first server after all of the second resource transfer orders have been collected. In the embodiment of the present disclosure, the timing when the second server sends the receiving success indication is not particularly limited.

(5) And when receiving the receiving success indication sent by the second server, the first server sends a second resource transfer request to the second server.

The second resource transfer request is used for requesting the second server to pay the received resources to a third server corresponding to the resource card.

(6) And the second server receives the second resource transfer request, and transfers the received sixth resource value to a third server logged in by the target account through a resource transfer channel.

In this step, the second server transfers the received second resource to a third server corresponding to the resource card according to the second resource transfer request. Correspondingly, the second resource transfer request may further carry an account identifier of the target account, where the account identifier may be a card identifier of a resource card, and the like, and the second server determines, according to the account identifier, a third server where the target account is logged in, and sends the sixth resource value to the third server.

It should be noted that the second server sends the sixth resource value to the third server, determines the resource transfer result, and sends the resource transfer result to the terminal. The third server may directly send the resource transfer result to the terminal, the first server may also send the resource transfer result to the second server, and the second server sends the resource transfer result to the terminal, and accordingly, the process may be: the first server receives the resource transfer result sent by the third server; the first server sends the resource transfer result to the terminal; the terminal receives the resource transfer result.

Fig. 6 is a block diagram of a resource transfer apparatus, which is applied to a terminal, according to an exemplary embodiment, and the resource transfer result processing apparatus includes:

the first display module 61 is configured to display a resource transfer interface for transferring resources to a target account, where the resource transfer interface includes target resource information for a user to prepay the target account;

an obtaining module 62, configured to, when receiving a first resource transfer request submitted by the user based on the resource transfer interface, obtain, according to the target account and the target resource information, multiple resource transfer channels for resource transfer from a first server;

a first determining module 63, configured to determine, according to the multiple resource transfer channels and the target resource information, that the first server receives a first target transfer policy with a minimum resource transfer value when transferring the target resource transfer information, where the first target transfer policy includes multiple target resource transfer channels in the multiple resource transfer channels and resource information transferred through each target resource transfer channel;

a second presentation module 64, configured to present the first target transfer policy;

a first sending module 65, configured to, when receiving a transfer instruction triggered by the user based on the first target transfer policy, send a second resource transfer request to the first server according to the first target transfer policy, where the second resource transfer request is used by the first server to transfer the target resource information to the target account according to the first target transfer policy.

In a possible implementation manner, the first determining module 63 is further configured to determine resource transfer policy restriction information according to the plurality of resource transfer channels, where the resource transfer policy restriction information includes a maximum split amount of orders, and a maximum transfer number and a maximum transfer limit of each resource transfer channel; and determining a first target transfer strategy with the minimum resource transfer value under the limitation of the resource transfer strategy limitation information according to the target resource information and the plurality of resource transfer channels.

In another possible implementation manner, the first determining module 63 is further configured to generate a plurality of resource transfer policies according to the target resource information, the plurality of resource transfer channels, and the resource transfer policy restriction information; for each resource transfer strategy, determining a first resource value received by the first server when the resource transfer is carried out through the resource transfer strategy; and selecting the resource transfer strategy with the minimum first resource value from the plurality of resource transfer strategies as a first target transfer strategy.

In another possible implementation manner, the first determining module 63 is further configured to determine, for each target resource transfer channel, a third resource value charged by transferring the second resource value through the target resource transfer channel according to a charging rule of the target resource transfer channel and the second resource value, where the resource transfer policy includes a plurality of target resource transfer channels and the transferred second resource value of each target resource transfer channel; and determining the sum of the third resource values received by each target resource transfer channel in the resource transfer strategy as the first resource value received when the resource transfer strategy transfers resources.

In another possible implementation manner, the first determining module 63 is further configured to select a resource transfer channel from the multiple resource transfer channels, determine, according to the maximum transfer limit of the selected resource transfer channel and the remaining resource value in the target resource information, a fourth resource value transferred through the selected resource transfer channel when the used transfer frequency of the selected resource transfer channel is less than the maximum transfer frequency of the selected resource transfer channel, and record the selected resource transfer channel and the fourth resource value as a transfer path; updating the remaining resource value according to the remaining resource value and the fourth resource value, and adding one to the used transfer times of the selected resource transfer channel, and then executing the step of selecting the resource transfer channel from the plurality of resource transfer channels until the remaining resource value is not greater than zero; and composing the recorded transfer paths into a resource transfer strategy.

In another possible implementation manner, the first determining module 63 is further configured to execute the step of selecting the resource transfer channel from the plurality of resource transfer channels when the used number of transfers of the selected resource transfer channel is not less than the maximum number of transfers of the selected resource transfer channel.

In another possible implementation manner, the first determining module 63 is further configured to determine a maximum number of channels corresponding to the target resource information, and determine a resource transfer channel that has been selected from the multiple resource transfer channels; when the maximum channel number is larger than the channel number of the selected resource transfer channel, selecting one resource transfer channel from the plurality of resource transfer channels; and when the maximum channel number is not more than the channel number of the selected resource transfer channel, selecting one resource transfer channel from the selected resource transfer channels.

In another possible implementation manner, the first determining module 63 is further configured to obtain, according to a fifth resource value in the target resource transfer information, a maximum channel number corresponding to the fifth resource value from a correspondence between the resource transfer value and the maximum channel number; or, according to the user level corresponding to the terminal, obtaining the maximum number of channels corresponding to the user level, and taking the maximum number of channels corresponding to the user level as the maximum number of channels corresponding to the target resource information.

In another possible implementation manner, the apparatus further includes:

the first sending module 65 is further configured to perform resource transfer according to the first target resource transfer policy when the first target resource transfer policy is triggered.

In another possible implementation manner, the apparatus further includes:

the fourth display module is used for respectively displaying the first transfer button corresponding to the first target transfer strategy and the second transfer button corresponding to the second target transfer strategy;

In another possible implementation manner, the first sending module 65 is further configured to split the first resource transfer order corresponding to the target resource information into a plurality of second resource transfer orders according to the first target transfer policy; determining order information of each second resource transfer order, wherein the order information comprises a resource transfer channel corresponding to the second resource transfer order, a sixth resource value transferred through the resource transfer channel and a seventh resource value collected by the resource transfer channel; generating the second resource transfer request according to the order information of each second resource transfer order; and sending the second resource transfer request to the first server, wherein the first server is further configured to transfer the target resource information to the target account according to the order information of each resource transfer order after receiving the order information of each resource transfer order.

Fig. 7 is a block diagram of a resource transfer apparatus, which is applied to a first server, according to an exemplary embodiment, and the resource transfer result processing apparatus includes:

a first receiving module 71, configured to receive a second resource transfer request sent by a terminal, where the second resource transfer request carries order information of each second resource transfer order in multiple second resource transfer orders, and the order information includes a resource transfer channel corresponding to the second resource transfer order, a sixth resource value transferred through the resource transfer channel, and a seventh resource value collected by the resource transfer channel;

the resource transfer module 72 is configured to transfer the target resource information to the target account according to the order information corresponding to each second resource transfer order.

In a possible implementation manner, the resource transfer module 72 is further configured to send a third resource transfer request to the second server, where the third resource transfer request carries order information of each second resource transfer order, and the second server is configured to collect a sixth resource value and a seventh resource value according to the order information in the third resource transfer request, and send a successful collection indication to the first server after the sixth resource value and the seventh resource value are successfully collected; and when receiving the receiving success indication sent by the second server, sending a fourth resource transfer request to the second server, wherein the second server is further used for transferring the received sixth resource value to a third server logged in by the target account through a resource transfer channel.

In another possible implementation manner, the apparatus further includes:

and a second sending module, configured to send the resource transfer result to the terminal.

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

Fig. 8 shows a block diagram of a terminal 800 according to an exemplary embodiment of the disclosure. The terminal 800 may be: a smart phone, a tablet computer, an MP3 player (Moving Picture Experts Group Audio Layer III, motion video Experts compression standard Audio Layer 3), an MP4 player (Moving Picture Experts Group Audio Layer IV, motion video Experts compression standard Audio Layer 4), a notebook computer, or a desktop computer. The terminal 800 may also be referred to by other names such as user equipment, portable terminal, laptop terminal, desktop terminal, etc.

In general, the terminal 800 includes: a processor 801 and a memory 802.

The processor 801 may include one or more processing cores, such as a 4-core processor, an 8-core processor, and so forth. The processor 801 may be implemented in at least one hardware form of a DSP (Digital Signal Processing), an FPGA (Field-Programmable Gate Array), and a PLA (Programmable Logic Array). The processor 801 may also include a main processor and a coprocessor, where the main processor is a processor for Processing data in an awake state, and is also called a Central Processing Unit (CPU); a coprocessor is a low power processor for processing data in a standby state. In some embodiments, the processor 801 may be integrated with a GPU (Graphics Processing Unit), which is responsible for rendering and drawing the content required to be displayed on the display screen. In some embodiments, the processor 801 may further include an AI (Artificial Intelligence) processor for processing computing operations related to machine learning.

Memory 802 may include one or more computer-readable storage media, which may be non-transitory. Memory 802 may also include high speed random access memory, as well as non-volatile memory, such as one or more magnetic disk storage devices, flash memory storage devices. In some embodiments, a non-transitory computer readable storage medium in memory 802 is used to store at least one instruction for execution by processor 801 to implement the resource transfer methods provided by method embodiments of the present disclosure.

In some embodiments, the terminal 800 may further include: a peripheral interface 803 and at least one peripheral. The processor 801, memory 802 and peripheral interface 803 may be connected by bus or signal lines. Various peripheral devices may be connected to peripheral interface 803 by a bus, signal line, or circuit board. Specifically, the peripheral device includes: at least one of a radio frequency circuit 804, a display screen 805, a camera assembly 806, an audio circuit 807, a positioning assembly 808, and a power supply 809.

The peripheral interface 803 may be used to connect at least one peripheral related to I/O (Input/Output) to the processor 801 and the memory 802. In some embodiments, the processor 801, memory 802, and peripheral interface 803 are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor 801, the memory 802, and the peripheral interface 803 may be implemented on separate chips or circuit boards, which are not limited by this embodiment.

The Radio Frequency circuit 804 is used for receiving and transmitting RF (Radio Frequency) signals, also called electromagnetic signals. The radio frequency circuitry 804 communicates with communication networks and other communication devices via electromagnetic signals. The rf circuit 804 converts an electrical signal into an electromagnetic signal to be transmitted, or converts a received electromagnetic signal into an electrical signal. Optionally, the radio frequency circuit 804 includes: an antenna system, an RF transceiver, one or more amplifiers, a tuner, an oscillator, a digital signal processor, a codec chipset, a subscriber identity module card, and so forth. The radio frequency circuit 804 may communicate with other terminals via at least one wireless communication protocol. The wireless communication protocols include, but are not limited to: metropolitan area networks, various generation mobile communication networks (2G, 3G, 4G, and 5G), Wireless local area networks, and/or WiFi (Wireless Fidelity) networks. In some embodiments, the radio frequency circuit 804 may also include NFC (Near Field Communication) related circuits, which are not limited by this disclosure.

The display screen 805 is used to display a UI (User Interface). The UI may include graphics, text, icons, video, and any combination thereof. When the display 805 is a touch display, the display 805 also has the ability to capture touch signals on or above the surface of the display 805. The touch signal may be input to the processor 801 as a control signal for processing. At this point, the display 805 may also be used to provide virtual buttons and/or a virtual keyboard, also referred to as soft buttons and/or a soft keyboard. In some embodiments, the display 805 may be one, providing the front panel of the terminal 800; in other embodiments, the display 805 may be at least two, respectively disposed on different surfaces of the terminal 800 or in a folded design; in still other embodiments, the display 805 may be a flexible display disposed on a curved surface or a folded surface of the terminal 800. Even further, the display 805 may be arranged in a non-rectangular irregular pattern, i.e., a shaped screen. The Display 805 can be made of LCD (Liquid Crystal Display), OLED (Organic Light-Emitting Diode), and other materials.

The camera assembly 806 is used to capture images or video. Optionally, camera assembly 806 includes a front camera and a rear camera. Generally, a front camera is disposed at a front panel of the terminal, and a rear camera is disposed at a rear surface of the terminal. In some embodiments, the number of the rear cameras is at least two, and each rear camera is any one of a main camera, a depth-of-field camera, a wide-angle camera and a telephoto camera, so that the main camera and the depth-of-field camera are fused to realize a background blurring function, and the main camera and the wide-angle camera are fused to realize panoramic shooting and VR (Virtual Reality) shooting functions or other fusion shooting functions. In some embodiments, camera assembly 806 may also include a flash. The flash lamp can be a monochrome temperature flash lamp or a bicolor temperature flash lamp. The double-color-temperature flash lamp is a combination of a warm-light flash lamp and a cold-light flash lamp, and can be used for light compensation at different color temperatures.

The audio circuit 807 may include a microphone and a speaker. The microphone is used for collecting sound waves of a user and the environment, converting the sound waves into electric signals, and inputting the electric signals to the processor 801 for processing or inputting the electric signals to the radio frequency circuit 804 to realize voice communication. For the purpose of stereo sound collection or noise reduction, a plurality of microphones may be provided at different portions of the terminal 800. The microphone may also be an array microphone or an omni-directional pick-up microphone. The speaker is used to convert electrical signals from the processor 801 or the radio frequency circuit 804 into sound waves. The loudspeaker can be a traditional film loudspeaker or a piezoelectric ceramic loudspeaker. When the speaker is a piezoelectric ceramic speaker, the speaker can be used for purposes such as converting an electric signal into a sound wave audible to a human being, or converting an electric signal into a sound wave inaudible to a human being to measure a distance. In some embodiments, the audio circuitry 807 may also include a headphone jack.

The positioning component 808 is used to locate the current geographic position of the terminal 800 for navigation or LBS (Location Based Service). The Positioning component 808 may be a Positioning component based on the GPS (Global Positioning System) in the united states, the beidou System in china, the graves System in russia, or the galileo System in the european union.

Power supply 809 is used to provide power to various components in terminal 800. The power supply 809 can be ac, dc, disposable or rechargeable. When the power source 809 comprises a rechargeable battery, the rechargeable battery may support wired or wireless charging. The rechargeable battery may also be used to support fast charge technology.

In some embodiments, terminal 800 also includes one or more sensors 810. The one or more sensors 810 include, but are not limited to: acceleration sensor 811, gyro sensor 812, pressure sensor 813, fingerprint sensor 814, optical sensor 815 and proximity sensor 816.

The acceleration sensor 811 may detect the magnitude of acceleration in three coordinate axes of the coordinate system established with the terminal 800. For example, the acceleration sensor 811 may be used to detect the components of the gravitational acceleration in three coordinate axes. The processor 801 may control the display 805 to display the user interface in a landscape view or a portrait view according to the gravitational acceleration signal collected by the acceleration sensor 811. The acceleration sensor 811 may also be used for acquisition of motion data of a game or a user.

The gyro sensor 812 may detect a body direction and a rotation angle of the terminal 800, and the gyro sensor 812 may cooperate with the acceleration sensor 811 to acquire a 3D motion of the user with respect to the terminal 800. From the data collected by the gyro sensor 812, the processor 801 may implement the following functions: motion sensing (such as changing the UI according to a user's tilting operation), image stabilization at the time of photographing, game control, and inertial navigation.

Pressure sensors 813 may be disposed on the side frames of terminal 800 and/or underneath display 805. When the pressure sensor 813 is disposed on the side frame of the terminal 800, the holding signal of the user to the terminal 800 can be detected, and the processor 801 performs left-right hand recognition or shortcut operation according to the holding signal collected by the pressure sensor 813. When the pressure sensor 813 is disposed at a lower layer of the display screen 805, the processor 801 controls the operability control on the UI interface according to the pressure operation of the user on the display screen 805. The operability control comprises at least one of a button control, a scroll bar control, an icon control and a menu control.

The fingerprint sensor 814 is used for collecting a fingerprint of the user, and the processor 801 identifies the identity of the user according to the fingerprint collected by the fingerprint sensor 814, or the fingerprint sensor 814 identifies the identity of the user according to the collected fingerprint. Upon identifying that the user's identity is a trusted identity, the processor 801 authorizes the user to perform relevant sensitive operations including unlocking a screen, viewing encrypted information, downloading software, paying for and changing settings, etc. Fingerprint sensor 814 may be disposed on the front, back, or side of terminal 800. When a physical button or a vendor Logo is provided on the terminal 800, the fingerprint sensor 814 may be integrated with the physical button or the vendor Logo.

The optical sensor 815 is used to collect the ambient light intensity. In one embodiment, processor 801 may control the display brightness of display 805 based on the ambient light intensity collected by optical sensor 815. Specifically, when the ambient light intensity is high, the display brightness of the display screen 805 is increased; when the ambient light intensity is low, the display brightness of the display 805 is reduced. In another embodiment, the processor 801 may also dynamically adjust the shooting parameters of the camera assembly 806 based on the ambient light intensity collected by the optical sensor 815.

A proximity sensor 816, also known as a distance sensor, is typically provided on the front panel of the terminal 800. The proximity sensor 816 is used to collect the distance between the user and the front surface of the terminal 800. In one embodiment, when the proximity sensor 816 detects that the distance between the user and the front surface of the terminal 800 gradually decreases, the processor 801 controls the display 805 to switch from the bright screen state to the dark screen state; when the proximity sensor 816 detects that the distance between the user and the front surface of the terminal 800 becomes gradually larger, the display 805 is controlled by the processor 801 to switch from the breath-screen state to the bright-screen state.

Those skilled in the art will appreciate that the configuration shown in fig. 8 is not intended to be limiting of terminal 800 and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components may be used.

Fig. 9 is a schematic structural diagram of a server provided in the present disclosure, where the server 900 may generate a relatively large difference due to different configurations or performances, and may include one or more processors (CPUs) 901 and one or more memories 902, where the memory 902 stores at least one instruction, and the at least one instruction is loaded and executed by the processor 901 to implement the resource transfer method provided in the foregoing method embodiments. Of course, the server may also have components such as a wired or wireless network interface, a keyboard, and an input/output interface, so as to perform input/output, and the server may also include other components for implementing the functions of the device, which are not described herein again.

In an exemplary embodiment, a computer-readable storage medium is further provided, in which at least one instruction is stored, and the at least one instruction is loaded and executed by a server to implement the resource transfer method in the foregoing embodiments. The computer readable storage medium may be a memory. For example, the computer readable storage medium may be a ROM, a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.

It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, and the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.

The above disclosure is intended to cover alternative embodiments of the disclosure, and not to limit the disclosure to the particular forms disclosed, but on the contrary, the intention is to cover all modifications, equivalents, and alternatives falling within the spirit and scope of the disclosure.

Claims

1. A resource transfer method is applied to a terminal, and the method comprises the following steps:

determining a first target transfer policy with a minimum resource transfer value under the limitation of the resource transfer policy limitation information according to the target resource information and the plurality of resource transfer channels, wherein the first target transfer policy comprises a plurality of target resource transfer channels in the plurality of resource transfer channels and resource information transferred through each target resource transfer channel;

displaying the first target transfer strategy;

2. The method according to claim 1, wherein the determining, according to the target resource information and the plurality of resource transfer channels, a first target transfer policy with a smallest resource transfer value under the restriction of the resource transfer policy restriction information includes:

3. The method of claim 2, wherein the determining the first value of the resource charged by the first server when transferring the resource through the resource transfer policy comprises:

4. The method of claim 2, wherein generating a plurality of resource transfer policies based on the target resource information, the plurality of resource transfer channels, and the resource transfer policy restriction information comprises:

and composing the recorded transfer paths into a resource transfer strategy.

5. The method of claim 4, further comprising:

6. The method of claim 4, wherein selecting the resource transfer channel from the plurality of resource transfer channels comprises:

7. The method according to claim 6, wherein the determining the maximum number of channels corresponding to the target resource information includes:

8. The method of claim 1, further comprising:

displaying the first and second target transfer strategies;

9. The method of claim 8, further comprising:

10. The method of claim 1, wherein sending a second resource transfer request to the first server according to the first migration target policy comprises:

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

12. The method according to claim 11, wherein after sending a fourth resource transfer request to the second server when receiving the indication of successful charging sent by the second server, the method further comprises:

receiving a resource transfer result sent by the third server;

and sending the resource transfer result to the terminal.

13. A resource transfer apparatus, the apparatus being applied to a terminal, the apparatus comprising:

a first determining module, configured to determine resource transfer policy restriction information according to the multiple resource transfer channels, where the resource transfer policy restriction information includes a maximum split amount of orders, and a maximum transfer number and a maximum transfer limit of each resource transfer channel; determining a first target transfer policy with a minimum resource transfer value under the limitation of the resource transfer policy limitation information according to the target resource information and the plurality of resource transfer channels, wherein the first target transfer policy comprises a plurality of target resource transfer channels in the plurality of resource transfer channels and resource information transferred through each target resource transfer channel;

14. An apparatus for resource transfer, the apparatus being applied to a first server, the apparatus comprising:

the resource transfer module is configured to send a third resource transfer request to a second server, where the third resource transfer request carries order information of each second resource transfer order, and the second server is configured to receive a sixth resource value and a seventh resource value according to the order information in the third resource transfer request, and send a receiving success indication to the first server after the sixth resource value and the seventh resource value are successfully received; and when receiving the receiving success indication sent by the second server, sending a fourth resource transfer request to the second server, wherein the second server is further used for transferring the received sixth resource value to a third server logged in by the target account through a resource transfer channel.

15. A terminal, characterized in that the terminal comprises a processor and a memory, wherein the memory stores at least one instruction, and the at least one instruction is loaded and executed by the processor to implement the resource transfer method according to any one of claims 1 to 10.

16. A first server, characterized in that the first server comprises a processor and a memory, wherein the memory stores at least one instruction, and the at least one instruction is loaded and executed by the processor to implement the resource transfer method according to any one of claims 11 to 12.

17. A computer-readable storage medium having stored therein at least one instruction, which is loaded and executed by a processor, to implement the resource transfer method of any one of claims 1 to 10.

18. A computer-readable storage medium having stored therein at least one instruction, which is loaded and executed by a processor, to implement the resource transfer method of any one of claims 11 to 12.