CN111192041B - Resource transfer method and resource transfer device - Google Patents

Resource transfer method and resource transfer device Download PDF

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CN111192041B
CN111192041B CN202010104439.4A CN202010104439A CN111192041B CN 111192041 B CN111192041 B CN 111192041B CN 202010104439 A CN202010104439 A CN 202010104439A CN 111192041 B CN111192041 B CN 111192041B
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account
resource transfer
resource
resources
request information
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CN111192041A (en
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张海朋
刘禹铭
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Tencent Technology Shenzhen Co Ltd
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Tencent Technology Shenzhen Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

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Abstract

Described herein is a resource transfer method comprising: acquiring first resource transfer request information of each account in at least two accounts, wherein the first resource transfer request information of each account comprises a first resource transfer amount of resources requested by each account; obtaining second resource transfer request information, wherein the second resource transfer request information comprises a second resource transfer amount of the requested resource, and the second resource transfer amount is a sum of first resource transfer amounts respectively requested by the at least two accounts; transmitting second resource transfer request information to request acquisition of resources of the second resource transfer amount; in response to obtaining the resources of the second resource transfer amount, selecting a corresponding resource transfer channel for each account; and transferring the resources of the first resource transfer amount requested by each account to each account through a corresponding resource transfer channel.

Description

Resource transfer method and resource transfer device
Technical Field
The present disclosure relates to the technical field of data communications, and in particular, to a resource transfer method and a resource transfer device.
Background
With the development of internet technology, transfer of resources (particularly virtual resources), such as data transfer of payment, repayment or transfer, has become more frequent and convenient. Various credit products of virtual resources are also introduced by different companies, and after the user applies for opening, a certain resource transfer limit is obtained. Thus, the user can enjoy a use experience similar to "use first, check out later" within the transfer line.
However, this also presents a number of problems when the resource "checks out". Taking the traditional credit card repayment as an example, if a user needs to perform repayment operations of a plurality of different bank credit cards, the user needs to log in the official networks of a plurality of banks or download and run application programs of a plurality of banks on the terminal equipment, which not only makes the operation more complicated, but also causes great waste of network resources and hardware resources at the terminal side.
Disclosure of Invention
In view of the above, the present disclosure provides a resource transfer method and resource transfer apparatus, which desirably overcomes some or all of the above-mentioned drawbacks, as well as other possible drawbacks.
According to an aspect of the present disclosure, there is provided a resource transfer method including: acquiring first resource transfer request information of each account in at least two accounts, wherein the first resource transfer request information of each account comprises a first resource transfer amount of resources requested by each account; obtaining second resource transfer request information, wherein the second resource transfer request information comprises a second resource transfer amount of the requested resource, and the second resource transfer amount is a sum of first resource transfer amounts respectively requested by the at least two accounts; transmitting second resource transfer request information to request acquisition of resources of the second resource transfer amount; in response to obtaining the resources of the second resource transfer amount, selecting a corresponding resource transfer channel for each account; and transferring the resources of the first resource transfer amount requested by each account to each account through a corresponding resource transfer channel.
In some embodiments, the at least two accounts are at least two accounts of the same user or at least two associated accounts of different users, the at least two accounts of the same user or the at least two associated accounts of different users are obtained from a blockchain.
In some embodiments, a first account of the at least two accounts includes a credit account vouching for a transfer of resources out of the user of the first account with the credit of the user; the method for obtaining the first resource transfer request information of each account in at least two accounts comprises the following steps: first resource transfer request information of each of the at least two accounts is obtained from a first account system to which the first account belongs.
In some embodiments, the maximum transferable amount to be transferred from the credit account out of the resource is dependent on account information of a second account of the at least two accounts acquired by a first account system to which the first account belongs, wherein the second account comprises an account from which a mortgage object of a user of the second account is transferred out of the resource, and the account information of the second account comprises the maximum transferable amount to be transferred out of the resource with the mortgage object as a mortgage.
In some embodiments, the first account is a credit account from which a vehicle usage fee generated by the vehicle during use is deducted, and the second account is an account from which payment is made for a vehicle loan with the vehicle as a mortgage.
In some embodiments, obtaining the second resource transfer request information includes: in response to vehicle information of the vehicle generating the vehicle usage charge being consistent with vehicle information of the vehicle as a mortgage of the vehicle loan, second resource transfer request information is obtained, the second resource request information including a second resource transfer amount of the requested resource, wherein the second resource transfer amount of the requested resource is a sum of the vehicle usage charge as the first resource transfer amount requested by the first account and a repayment for the vehicle loan as the first resource transfer amount requested by the second account.
In some embodiments, the second resource transfer request information further includes information related to a storage account of the storage resource, and the storage account is different from the at least two accounts; and wherein transmitting second resource transfer request information to request acquisition of resources of the second resource transfer amount includes: transmitting second resource transfer request information to request for confirmation of transfer of a second amount of resources from the storage account; in response to obtaining the confirmation, a second amount of resource transferred from the storage account is obtained.
In some embodiments, selecting a corresponding resource transfer channel for each account includes: determining a transfer cost for each of at least two resource transfer channels for each account; the resource transfer channel with the lowest transfer cost determined for each account is selected as its corresponding resource transfer channel.
In some embodiments, determining a transfer cost for each of the at least two resource transfer channels for each account includes: determining the transfer cost of each resource transfer channel according to historical resource transfer data in a preset time period of each resource transfer channel, wherein the historical resource transfer data comprises a weighted sum of the success rate and the transfer cost of resource transfer through each resource transfer channel.
In some embodiments, the success rate of resource transfer through each resource transfer channel is determined by: determining the number of attempts to transfer resources in the preset time period by each resource transfer channel; determining the success times of transferring the resources in the preset time period by each resource transfer channel; and determining the ratio of the successful times to the trial times, and taking the ratio as the success rate of resource transfer through each resource transfer channel.
In some embodiments, the at least two resource transfer channels include a direct transfer channel for transferring resources directly between accounts, at least one three-way transfer channel for transferring resources through a third-party account.
According to an aspect of the present disclosure, there is provided a resource transfer method including: obtaining second resource transfer request information from a resource transfer server, wherein the second resource transfer request information comprises a second resource transfer amount of the requested resource, and the second resource transfer amount is a sum of first resource transfer amounts respectively requested by at least two accounts; requesting to acquire confirmation of the second resource transfer request information; and in response to the confirmation being acquired, initiating transfer of the second resource transfer amount of resources to the resource transfer server, so that the resource transfer server selects a corresponding resource transfer channel for each account of the at least two accounts, so that the first resource transfer amount of resources requested by each account is transferred to each account through the corresponding resource transfer channel.
According to an aspect of the present disclosure, there is provided a resource transfer apparatus including: a first acquisition module configured to acquire first resource transfer request information of each account of at least two accounts, wherein the first resource transfer request information of each account includes a first resource transfer amount of a resource requested by the each account; a second acquisition module configured to acquire second resource transfer request information, wherein the second resource transfer request information includes a second resource transfer amount of the requested resource, and the second resource transfer amount is a sum of first resource transfer amounts respectively requested by the at least two accounts; a transmission module configured to transmit second resource transfer request information to request acquisition of resources of the second resource transfer amount; a selection module configured to select a corresponding resource transfer channel for each account in response to obtaining the second resource transfer amount of resources; and the transfer module transfers the resources of the first resource transfer amount requested by each account to each account through the corresponding resource transfer channel.
According to an aspect of the present disclosure, there is provided a resource transfer apparatus including: an acquisition module configured to acquire second resource transfer request information from a resource transfer server, wherein the second resource transfer request information includes a second resource transfer amount of the requested resource, and the second resource transfer amount is a sum of first resource transfer amounts respectively requested by at least two accounts; a request module configured to request acquisition of acknowledgement of the second resource transfer request information; and a transfer initiation module configured to initiate transfer of the second resource transfer amount of resources to the resource transfer server in response to the acknowledgement being acquired, such that the resource transfer server selects a corresponding resource transfer channel for each of the at least two accounts, so as to transfer the first resource transfer amount of resources requested by each account into each account through the corresponding resource transfer channel.
According to an aspect of the present disclosure, there is provided a computing device comprising a processor; and a memory configured to store computer-executable instructions thereon that, when executed by the processor, perform any of the methods described above.
According to an aspect of the present disclosure, there is provided a computer-readable storage medium storing computer-executable instructions that, when executed, perform any of the methods as described above.
By the resource transfer method and the device, a user can directly transfer resources for second resource transfer request information without separately transferring resources for the first resource transfer request information of each account of at least two accounts. As an example, where payments for multiple bills are processed, the user need not pay individually for each bill, but may pay directly for a composite bill of the multiple bills, e.g., generated by a payment system. This not only greatly simplifies the user's operations (e.g., saves the number of payouts by the user), improves the efficiency of resource transfer, but also saves a lot of network resources and the need for hardware resources on the user terminal side.
These and other advantages of the present disclosure will become apparent from and elucidated with reference to the embodiments described hereinafter.
Drawings
Embodiments of the present disclosure will now be described in more detail and with reference to the accompanying drawings, in which:
FIG. 1 illustrates an exemplary application scenario in which a technical solution according to an embodiment of the present disclosure may be implemented;
FIG. 2 illustrates an exemplary flow chart of a resource transfer method according to one embodiment of the present disclosure;
FIG. 3 illustrates an exemplary flowchart of a method for determining a success rate of resource transfers over a resource transfer channel in accordance with one embodiment of the present disclosure;
FIG. 4 illustrates an exemplary flow chart of a resource transfer method according to another embodiment of the present disclosure;
FIG. 5 illustrates an exemplary interactive flow diagram of a resource transfer process, according to one embodiment of the present disclosure;
FIG. 6 illustrates an exemplary interface diagram for presenting second resource transfer request information in accordance with one embodiment of the present disclosure;
FIG. 7 illustrates an exemplary block diagram of a resource transfer device in accordance with one embodiment of the present disclosure;
FIG. 8 illustrates an exemplary block diagram of a resource transfer device in accordance with another embodiment of the present disclosure; and
FIG. 9 illustrates an example system including an example computing device that represents one or more systems and/or devices that can implement the various techniques described herein.
Detailed Description
The following description provides specific details for a thorough understanding and implementation of various embodiments of the present disclosure. It will be understood by those skilled in the art that the present disclosure may be practiced without some of these details. In some instances, well-known structures and functions have not been shown or described in detail to avoid unnecessarily obscuring the description of the embodiments of the disclosure. The terminology used in the present disclosure is to be understood in its broadest reasonable manner, even though it is being used in conjunction with a particular embodiment of the present disclosure.
First, some terms involved in the embodiments of the present application will be described so as to be easily understood by those skilled in the art: the resource: in the field of computer technology, resources generally refer to virtual resources corresponding to physical resources in the real world, such as storage space, computing power, money properties for network transactions, such as rmbs, dollars, etc., and Q-notes purchased by users, game coupons, etc.;
Resource transfer, namely changing ownership of a resource from one party to another party, refers to transferring the resource from one user account (transfer account) to another user account (transfer account) from the technical realization point of view;
Financial institutions: refers to a financial institution involved in the financial industry, which is a part of a financial institution, typically including banks, securities, insurance, trust, funds, etc.
Fig. 1 illustrates an exemplary application scenario 100 in which a technical solution according to an embodiment of the present disclosure may be implemented. As shown in fig. 1, the application scenario 100 includes a first account system 101, a second account system 102, a resource transfer server 103, a terminal 104, and a network 105. The first account system 101, the second account system 102, the resource transfer server 103, and the terminal 104 are communicatively coupled together by a network 105. A first account may be registered on the first account system and a second account may be registered on the second system. The first account system and the second account system may be, for example, account systems of different financial institutions, and the first account and the second account may be, for example, accounts opened at the respective financial institutions.
As an example, a user may transfer resources from a first account and a second account to an account of his person, and after a period of time the first account and the second account may require a return of the resources to the user. At this time, the first account system 101 and the second account system 102 may transmit the first resource transfer request information for the first account and the first resource transfer request information for the second account, respectively, to the resource transfer server 103. The first resource transfer request information for the account includes a first amount of resource transfer for the resource requested by the account. The resource transfer server 103 may obtain second resource transfer request information, wherein the second resource transfer request information includes a second amount of resource transfer of the requested resource, and the second amount of resource transfer is a sum of first amounts of resource transfer respectively requested by the at least two accounts. Then, the resource transfer server 103 may transmit second resource transfer request information to request acquisition of the resource of the second resource transfer amount. For example, the resource transfer server 103 may transmit the second resource transfer request information to the terminal 104 so that the terminal 104 may present the second resource transfer request information to the user. The user can transfer the second resource transfer amount of the resource to the resource transfer server 103 by confirming the second resource transfer request information or by directly transferring the resource. After obtaining the second resource transfer amount of resources, the resource transfer server 103 may select a corresponding resource transfer channel for the first account and the second account, and then transfer the first resource transfer amount of resources requested by each account of the first account and the second account to each account through the corresponding resource transfer channel.
Alternatively, the first account system 101, the second account system 102 may be a server of a service provider, a device associated with the server, a system-on-chip, and/or any other suitable computing device or computing system. The resource transfer server 103 may include, but is not limited to, at least one of: PCs and other devices that can be used to transfer resources are a wide variety of servers. The terminal 104 may include, but is not limited to, at least one of: a terminal capable of running a game client, such as a mobile phone, a tablet computer, a notebook computer, a desktop PC, a digital television and the like. The server 102 described above. The network 105 may be, for example, a Wide Area Network (WAN), a Local Area Network (LAN), a wireless network, a public telephone network, an intranet, and any other type of network known to those skilled in the art.
It should be noted that the terms first and second described above are used merely to distinguish between the described devices or elements, but the devices or elements should not be limited by these terms. For example, the first resource transfer amount merely represents the amount of resource transfer requested by each account and is used to distinguish from the second resource transfer amount resulting from the summation of the plurality of first resource transfer amounts, while the first resource transfer amount requested by each account may be the same or different. It should also be noted that the above-described scenario is merely one example in which embodiments of the present disclosure may be implemented, and is not limiting.
Fig. 2 illustrates a schematic flow diagram of a resource transfer method 200 according to one embodiment of the present disclosure. The method 200 may be implemented, for example, on the resource transfer server 103 of FIG. 1. As shown in fig. 2, the method 200 may include the following steps.
In step 201, first resource transfer request information is obtained for each of at least two accounts. The first resource transfer request information for each account includes at least a first amount of resource transfer for the resource requested by said each account, although this is not limiting. For example, the first resource transfer request information of each account may further include account information of each account, a reason for requesting resources, and the like. In some embodiments, the resources may include, for example, but are not limited to, monetary properties for network transactions, real money such as Renminbi, and Q-notes purchased by users, Q-points, game-point coupons, and the like. Accordingly, resource transfers represent, for example, transfers of money, payments, etc., such as network payments, etc.; the amount of resource transfer is the amount of money transferred or paid, such as the amount paid, transferred, repayment, etc. The accounts may include, but are not limited to, accounts storing resources or transferring resources therethrough, such as bank card accounts opened at banks, funds accounts opened in account systems of shopping platforms, funds accounts opened in account systems of instant messaging platforms, and the like.
In some embodiments, the at least two accounts may be at least two accounts of the same user or at least two associated accounts of different users. At least two accounts for the same user or at least two associated accounts for different users may be obtained from the blockchain. Associated accounts generally refer to mutually trusted accounts that are associated with each other according to a certain protocol so that mutual authentication is not required when the accounts query each other, transfer resources each other. For example, the associated accounts may generally be accounts that are associated with each other between the family members. The first account system and the second account system may be, for example, account systems of different financial institutions, and the first account and the second account may be, for example, accounts opened at the respective financial institutions.
In some embodiments, the first account may be a credit account vouched for transfer of resources from the user of the first account (e.g., transfer of resources to other accounts), such as a overdraft-enabled credit account similar to a credit card, or the like. As an example, the first account may be a credit account opened in a first account system (e.g., an account system of an instant messaging platform). In this case, the first resource transfer request information of each of the at least two accounts may be acquired from an account system to which the first account belongs (for example, an account system of an instant communication platform). For example, the first account system may acquire first resource transfer request information of the other accounts than the first account of the at least two accounts in advance, and then may acquire the first resource transfer request information of each of the at least two accounts from the first account system.
The account system of the instant messaging platform may be, for example, a WeChat payment account system of Tencel. As an example, the account system of the instant messaging platform may obtain first resource transfer request information (e.g., user's vehicle loan staged repayment information) for a bank account from an account system of a bank, obtain first resource transfer request information (e.g., credit card repayment information) for a credit card account from an account system of a credit card center, and so forth. In this way, the repayment information for the first account, the first resource transfer request information for the bank account and the first resource transfer request information for the credit card account can be obtained from the account system of the instant messaging platform.
In some embodiments, the maximum transferable amount of transferring resources from the credit account is dependent upon account information of a second account of the at least two accounts acquired by the first account system to which the first account belongs, although this is not limiting. The maximum transferable amount of transferring resources from the credit account may be determined, for example, based solely on or in conjunction with information such as credit of the user of the credit account. The second account is an account from which resources are transferred as mortgages with mortgage objects of users of the second account, such as a house credit account for a common house mortgage, a car credit account for a car mortgage, and so on. The account information for the second account includes a maximum transfer amount for transferring the mortgage object out of the resource as a mortgage. As an example, the maximum transferable amount of transferring resources from the credit account may be, for example, a predetermined percentage of the maximum transferable amount of transferring resources from a mortgage object of a user of the second account to the mortgage.
As an example, the first account is a credit account from which a vehicle use fee generated by the vehicle during use is deducted. The vehicle use fee refers to various consumers involved in the use of the vehicle, and may be, for example, parking fees generated by parking of the vehicle, road fees generated by passing, or even insurance fees of the vehicle. The owner (or user) of the vehicle may or may not be the owner (or user) of the credit account. The second account is an account that pays for a loan of a vehicle with the vehicle as a mortgage, i.e., the loan account described above, and its owner (or user) is typically the owner (or user) of the vehicle. The credit account amount may be, for example, a predetermined percentage of the total amount of the vehicle loan.
As an example, the first resource transfer request information for each of the at least two accounts may be obtained every predetermined period (e.g., from the first account system). For example, the vehicle use fee as the first amount of resource transfer requested by the first account and the repayment for the vehicle loan as the first amount of resource transfer requested by the second account (i.e., the vehicle loan staged repayment) may be acquired monthly, although this is not limiting.
In step 202, second resource transfer request information is obtained. The second resource transfer request information may include a second resource transfer amount of the requested resource, and the second resource transfer amount is a sum of first resource transfer amounts respectively requested by the at least two accounts. In some embodiments, the second resource transfer request information may further include other information in the first resource transfer request information of the at least two accounts, such as account information of each account that the first resource transfer request information of each account may include, a reason for requesting a resource, and so on.
As described above, in some embodiments, the first account is a credit account from which a vehicle use fee generated by the vehicle during use is deducted; the second account is an account that pays for a vehicle loan with the vehicle as a mortgage, i.e., the vehicle credit account described above. In this case, the second resource transfer request information may alternatively be acquired only if the vehicle information of the vehicle that generates the vehicle use fee coincides with the vehicle information of the vehicle that is the mortgage of the vehicle loan. The vehicle information may be, for example, any information identifying the vehicle, such as a license plate number of the vehicle, and the vehicle information may be uploaded to the corresponding first or second account, for example, when other accounts (e.g., an account of a parking lot, an account of a vehicle dealer) request resources from the first or second account (e.g., funds are transferred from the credit or credit account (e.g., parking fee is deducted from the parking lot, and vehicle loan is deducted from the vehicle dealer)). Alternatively, the first resource transfer request information and the second resource transfer request information described above may also include vehicle information. In this embodiment, the first amount of resource transfer requested by the first account is the vehicle use fee, the first amount of resource transfer requested by the second account is a staged payment for the vehicle loan, and the second amount of resource transfer requested is the sum of the vehicle use fee and the staged payment for the vehicle loan.
In step 203, second resource transfer request information is sent to request acquisition of resources of the second resource transfer amount. As an example, the second resource transfer request information may be sent to a terminal of the user of the first account to request the second amount of resources from the user. In some embodiments, the second resource request information may further include a transfer account for obtaining resources of a second resource transfer amount, such as an account registered on a resource transfer server in fig. 1, such that the user is able to transfer resources into the transfer account.
In some embodiments, the second resource transfer request information may further include information related to a storage account of the storage resource, and the storage account is different from the at least two accounts. In this case, when the second resource transfer request information is transmitted to request acquisition of the second resource transfer amount of resources, the second resource transfer request information may be transmitted to request acquisition of acknowledgement of transfer of the second resource transfer amount of resources from the storage account, and in response to acquisition of the acknowledgement, the second resource transfer amount of resources may be acquired from the storage account. As an example, the storage account of the storage resource may be a savings account storing funds, for example. At this time, when the second resource transfer request information is transmitted to request the repayment, it may be simultaneously requested to acquire confirmation of the savings account (for example, confirmation by requesting the user to input a password, etc.), and a second resource transfer amount of resources (i.e., funds) may be acquired from the savings account to perform the repayment after the confirmation is acquired.
In step 204, in response to obtaining the second resource transfer amount of resources, a corresponding resource transfer channel is selected for each account. Different resource transfer channels have different transfer costs, for example, when transferring funds, common networking channels and silver channels may be different in terms of commission, success rate, etc., so that the most suitable transfer channel needs to be selected.
In some embodiments, the transfer cost for each of the at least two resource transfer channels may be determined for each account first, and then the resource transfer channel determined for each account with the lowest transfer cost may be selected as its corresponding resource transfer channel. The number of resource transfer channels is not limiting. As an example, the at least two resource transfer channels include a direct transfer channel in which resource transfer is directly performed between accounts, and at least one three-party transfer channel in which resource transfer is performed through a third-party account. The direct transfer channel is a channel that does not need to be transferred by means of an account of a third party, for example, when the resource transfer server in fig. 1 and the first account system belong to the same company or have a direct agreement with each other, the resource transfer can be performed between the transfer account registered on the resource server and the first account through the direct transfer channel. Examples of the three-way transfer channel may be the transfer channel of a third party such as the internet and the silver-wire described above.
In some embodiments, the cost of transfer for each resource transfer channel may be determined from historical resource transfer data over a predetermined period of time for each resource transfer channel. The predetermined period of time may be determined according to actual needs, for example, a month, a week, a day, or the like may be elapsed. The historical resource transfer data may be a weighted sum of the success rate of the transfer of resources and the transfer cost through each of the resource transfer channels. The weights of the success rate and the transfer costs in calculating the weighted sum may also be determined as desired, such as by giving a higher weight to the success rate when handling public traffic or the like for which a guaranteed success rate is required, such as by giving a higher weight to the transfer costs when handling personal user traffic or the like for which a transfer cost is important, although this is not restrictive.
In step 205, the first resource transfer amount of the resource requested by each account is transferred to each account through a corresponding resource transfer channel. For example, in the case where the resource transfer channel selected for the first account is a direct transfer channel and the resource transfer channel selected for the second account is a three-way transfer channel in step 204, the resource requested by the first account is transferred to the first account through the direct transfer channel, and the resource requested by the second account is transferred to the second account through the three-way transfer channel.
With the above-described embodiments of the present disclosure, a user may not need to separately transfer resources for the first resource transfer request information for each of at least two accounts, but may directly transfer resources for the second resource transfer request information, for example, to an account of a resource transfer server. And then, respectively selecting a corresponding resource transfer channel by a resource transfer server for transferring the resources of each account. As an example, where payments for multiple bills are processed, the user need not pay individually for each bill, but may pay directly for a composite bill of the multiple bills, e.g., generated by a payment system. And then, the repayment system can return repayment of the user to the corresponding account to be repayment through the corresponding repayment channel so as to realize repayment of the bills. This obviously not only greatly simplifies the user's operations (e.g., saves the number of payouts by the user), improves the efficiency of resource transfer, but also saves a lot of network resources and the need for hardware resources on the user terminal side.
By way of example, fig. 3 illustrates an exemplary flowchart of a method 300 for determining a success rate of resource transfer through a resource transfer channel in accordance with one embodiment of the present disclosure. The method 300 may be used to determine the success rate of resource transfers through each of the resource transfer channels described above. As shown in fig. 3, the method 300 includes the following steps.
In step 301, the number of attempts to transfer a resource in a predetermined period of time by the resource transfer channel is determined. The predetermined period of time may be determined according to actual needs, for example, a month, a week, a day, or the like may be elapsed. The number of attempts to transfer the resource is the number of attempts to transfer the resource.
In step 302, the number of successes for transferring resources in the predetermined time period by the resource transfer channel is determined. The successful times of transferring the resource is the times of successfully transferring the resource. The number of successes is less than or equal to the number of attempts.
In step 303, a ratio of the number of successes to the number of attempts is determined, and the ratio is used as a success rate of resource transfer through each resource transfer channel.
By the method 300, the success rate of resource transfer through the resource transfer channel can be simply and efficiently determined.
Fig. 4 illustrates an exemplary flow chart of a resource transfer method 400 according to one embodiment of the present disclosure. The method 400 may be implemented, for example, on the terminal 104 of fig. 1. As shown in fig. 4, the method 400 includes the following steps.
In step 401, second resource transfer request information from a resource transfer server is acquired. The second resource transfer request information may include a second resource transfer amount of the requested resource, and the second resource transfer amount is a sum of first resource transfer amounts respectively requested by at least two accounts. The first amount of resource transfer requested for each account may be derived, for example, by the resource server from the obtained first resource transfer request information for each account. In some embodiments, the second resource transfer request information may further include other information in the first resource transfer request information of the at least two accounts, such as account information of each account that the first resource transfer request information of each account may include, a reason for requesting a resource, and so on.
In some embodiments, the second resource request information may further include a transfer account for obtaining a second amount of resource transfer, such as a transfer account registered on a resource transfer server in fig. 1, such that the user is able to transfer resources into the transfer account. In some embodiments, the second resource transfer request information may further include information related to a storage account of the storage resource, and the storage account is different from the at least two accounts.
In some embodiments, the first account may be a credit account vouching for the transfer of resources out of it with the credit of the user of the first account. The maximum transferable amount of transferring resources from the credit account is dependent on account information acquired by a first account system to which the first account belongs for a second account of the at least two accounts. The second account includes an account from which the resource is transferred with mortgage objects of the user of the second account as mortgages. The account information for the second account includes a maximum transfer amount of resources from which the mortgage object is transferred as a mortgage.
In some embodiments, a first account of the at least two accounts is a credit account from which a vehicle usage fee generated by the vehicle during use is deducted; the second account of the at least two accounts is an account that pays for a vehicle loan with the vehicle as a mortgage, i.e., the vehicle loan account described above. In this case, the second resource transfer request information can be acquired only if the vehicle information of the vehicle that generates the vehicle use fee coincides with the vehicle information of the vehicle that is the mortgage of the vehicle loan. The vehicle information may be, for example, any information that identifies the vehicle, such as a license plate number of the vehicle. In this embodiment, the first amount of resource transfer requested by the first account is the vehicle use fee of the vehicle, the first amount of resource transfer requested by the second account is the staged repayment for the vehicle loan, and the second amount of resource transfer requested is the sum of the vehicle use fee and the staged repayment for the vehicle loan.
In step 402, an acknowledgement of the second resource transfer request information is requested. As an example, the second resource transfer request may be presented on a user's terminal to request confirmation of the second resource transfer request information by the user, which may include clicking a confirmation button, entering a password, or the like. As an example, where the second resource transfer request information may also include information related to a storage account storing resources, the confirmation of the second resource transfer request information may also include a confirmation of transferring a second amount of resources from the storage account.
In step 403, in response to obtaining the acknowledgement, initiating transfer of the second resource transfer amount of resources to the resource transfer server, such that the resource transfer server selects a corresponding resource transfer channel for each of the at least two accounts, so as to transfer the first resource transfer amount of resources requested by each account into each account through the corresponding resource transfer channel. As an example, in response to obtaining the confirmation, the user may transfer the second amount of resource directly to the resource transfer server (specifically, a transfer account registered on the resource transfer server); or upon obtaining confirmation of transferring the second resource transfer amount of the resource from the storage account, transferring the second resource transfer amount of the resource by the storage account storing the resource to the resource transfer server may be initiated. The selection of a corresponding resource transfer channel by the resource transfer server for each of the at least two accounts may be described with reference to fig. 3 and will not be described in detail herein.
With the above-described embodiments of the present disclosure, a user may not need to separately transfer resources with respect to first resource transfer request information of each of at least two accounts, but may directly transfer resources with respect to second resource transfer request information. As an example, where payments for multiple bills are processed, the user need not pay individually for each bill, but may pay directly for a composite bill of the multiple bills, e.g., generated by a payment system. And then, the repayment system can return repayment of the user to the corresponding account to be repayment through the corresponding repayment channel so as to realize repayment of the bills. This obviously not only greatly simplifies the user's operations (e.g., saves the number of payouts by the user), improves the efficiency of resource transfer, but also saves a lot of network resources and the need for hardware resources on the user terminal side.
Fig. 5 illustrates an exemplary interaction flow diagram of a resource transfer process according to one embodiment of the present disclosure. For convenience of description and understanding, a first account belonging to a first account system and a second account belonging to a second account system are described as an example.
In step 501, a resource transfer server may obtain first resource transfer request information for a first account from a first account system. In step 502, the resource transfer server may obtain first resource transfer request information for the second account from the second account system. It should be noted that step 501 and step 502 may be performed simultaneously. Alternatively, the second account system may send the first resource transfer request information for the second account to the first account system, or the second account system may send the account information (e.g., including the total amount of the vehicle loan) for the second account to the first account system such that the first account system may generate the first resource transfer request information (e.g., including the staged repayment of the vehicle loan) for the second account based on the account information. The resource transfer server may then obtain the first resource transfer request information for the first account and the first resource transfer request information for the second account directly from the first account system. The first resource transfer request information for each account includes a first amount of resource transfer for the resource requested by said each account.
As an example, the first account may be, for example, a credit account from which a vehicle usage fee generated by the vehicle during use is deducted. The second account may be, for example, an account that pays for a vehicle loan with the vehicle as a mortgage, i.e., the vehicle loan account described above. In this case, the account information of the vehicle credit account of the vehicle may be transmitted to the first account system in advance, and the first account system may determine the maximum transferable amount of the resources of the first account (i.e., the credit line) based on the account information of the vehicle credit account (specifically, the total amount of the vehicle credit). When the vehicle generates a vehicle use fee (e.g., parking fee) during use, the vehicle use fee may be deducted from the first account first, then after a certain period of time, the user may be required to return the deducted vehicle use fee, and the user may optionally be charged with interest generated by the vehicle use fee during the period of time as a return. In this case, the first resource transfer request information of the first account includes a payment amount for the first account requested by the first account (which includes the vehicle usage fee and optionally includes generating interest). The first account system may generate first resource transfer request information for the second account including a staged refund amount of the vehicle loan based on the account information for the vehicle loan account.
In step 503, the resource transfer server obtains second resource transfer request information. The second resource transfer request information includes a second resource transfer amount of the requested resource, and the second resource transfer amount is a sum of first resource transfer amounts respectively requested by the at least two accounts. Then, at step 504, the resource transfer server may send second resource transfer request information to request acquisition of the second amount of resource transferred. For example, the resource transfer server may send second resource transfer request information to the user terminal to request acquisition of the resources of the second resource transfer amount of the user.
As an example, after obtaining the second resource transfer request information from the resource transfer server, the terminal may present the second resource transfer request information from the resource transfer server to the user to request the user to confirm the second resource transfer request information in step 505. Fig. 6 illustrates an exemplary interface diagram for presenting second resource transfer request information, e.g., on a terminal. As shown in fig. 6, the second resource transfer request information includes a first account "6222 … 777" and a parking fee of 1000 yuan of the first resource transfer amount requested by the first account, a second account "6222 … 888" and a vehicle loan staged repayment of 2000 yuan of the first resource transfer amount requested by the second account, as shown by "transfer account" and "resource transfer amount" in fig. 6; and a requested second resource transfer amount of 3000 RMB (as indicated by the "aggregate" line in FIG. 6), which is the sum of the 1000 RMB requested by the first account and the 2000 RMB requested by the second account. Also illustrated in FIG. 6 is that the second resource transfer request information includes a storage account "6222 … 999" (shown in the "transfer out account" row of FIG. 6) for the resource from which the second resource transfer amount is to be transferred, the storage account being used to store the user's resource as described above. The user may indicate confirmation of the second resource transfer request information after entering the correct password in the password entry box shown in fig. 6 (as shown in the "enter password" line in fig. 6). The password may be the password of the storage account or may be a separate payment confirmation password set by the user on the terminal, which is not limitative as long as it can prove to be confirmation by the user.
The terminal obtains the confirmation of the user of the second resource transfer request information in step 506, and after obtaining the confirmation the terminal may initiate transfer of the second resource transfer amount of resources to the resource transfer server in step 507, in particular to a transfer account (which may be default) of the resource transfer server. As an example, initiating transfer of the second amount of resources to the resource transfer server may include the initiating user transferring the second amount of resources directly to the resource transfer server, as shown in fig. 5; or in the event that the user has confirmed that the second amount of resources have been transferred from the storage account, as shown in fig. 6, initiate transfer of the second amount of resources from the storage account of the storage resource to the resource transfer server.
In step 508, after obtaining the second resource transfer amount of the resources, the resource transfer server selects a corresponding resource transfer channel for each account. As an example, the at least two resource transfer channels include a direct transfer channel in which resource transfer is directly performed between accounts, and at least one three-party transfer channel in which resource transfer is performed through a third-party account. In the case of a funds transfer as shown in fig. 6, the transfer channels may include, for example, a direct transfer channel, a networked channel as a three-way transfer channel, and a silver channel as a three-way transfer channel. As an example, the transfer channel selected for the first account is a direct transfer channel, which typically occurs when the first account system and the resource transfer server belong to the same company or have a direct agreement offer to each other; the transfer channel selected for the second account is a silver-linked channel.
In step 509, the resource transfer server transfers a first amount of resources (e.g., 1000 yuan in fig. 6) requested by the first account into the first account of the first account system via a transfer channel (e.g., direct transfer channel) selected for the first account. At step 5010, the resource transfer server transfers the first amount of resource (e.g., 2000 yuan in fig. 6) requested by the second account to the second account of the second account system via the transfer channel (e.g., the silver-linked channel) selected for the second account. It should be noted that step 509 may be performed simultaneously with step 5010.
Fig. 7 illustrates an exemplary block diagram of a resource transfer device 700 in accordance with one embodiment of the present disclosure. As shown in fig. 7, the resource transferring apparatus 700 includes a first acquisition module 701, a second acquisition module 702, a transmission module 703, a selection module 704, and a transferring module 705.
The first obtaining module 701 is configured to obtain first resource transfer request information of each of at least two accounts, wherein the first resource transfer request information of each account includes a first resource transfer amount of the resource requested by said each account. In some embodiments, the at least two accounts may be at least two accounts of the same user or at least two associated accounts of different users. In some embodiments, the first account may be a credit account vouching for the transfer of resources out of it with the credit of the user of the first account. In this case, the first resource transfer request information of each of the at least two accounts may be acquired from an account system to which the first account belongs (for example, an account system of an instant communication platform). In some embodiments, the maximum transferable amount of transferring resources from the credit account is dependent on account information of a second account of the at least two accounts acquired by a first account system to which the first account belongs. The second account includes an account from which the resource is transferred with mortgage objects of the user of the second account as mortgages. The account information for the second account includes a maximum transfer amount for transferring the mortgage object out of the resource as a mortgage.
The second acquisition module 702 is configured to acquire second resource transfer request information. The second resource transfer request information includes a second resource transfer amount of the requested resource, and the second resource transfer amount is a sum of first resource transfer amounts respectively requested by the at least two accounts.
The sending module 703 is configured to send second resource transfer request information to request acquisition of resources of the second resource transfer amount. In some embodiments, the second resource transfer request information may further include information related to a storage account of the storage resource, and the storage account is different from the at least two accounts. In this case, when the second resource transfer request information is transmitted to request acquisition of the second resource transfer amount of resources, the second resource transfer request information may be transmitted to request acquisition of acknowledgement of transfer of the second resource transfer amount of resources from the storage account, and in response to acquisition of the acknowledgement, the second resource transfer amount of resources may be acquired from the storage account.
The selection module 704 is configured to select a corresponding resource transfer channel for each account in response to obtaining the second amount of resource transfer. In some embodiments, the selection module 704 is configured to first determine a transfer cost for each of the at least two resource transfer channels for each account and then select the resource transfer channel determined for each account having the lowest transfer cost as its corresponding resource transfer channel. The number of resource transfer channels is not limiting.
The transfer module 705 is configured to transfer the first resource transfer amount of the resource requested by the each account to the each account via a corresponding resource transfer channel. As an example, where the selection module 704 selects a resource transfer channel for a first account as a direct transfer channel, and the resource transfer channel selected for a second account as a three-way transfer channel, the transfer module 705 is configured to transfer resources requested by the first account into the first account via the direct transfer channel and transfer resources requested by the second account into the second account via the three-way transfer channel.
Fig. 8 illustrates an exemplary block diagram of a resource transfer device 800 in accordance with one embodiment of the present disclosure. As shown in fig. 8, the resource transfer device 800 includes an acquisition module 801, a request module 802, and a transfer initiation module 803.
The acquisition module 801 is configured to acquire second resource transfer request information from a resource transfer server. The second resource transfer request information includes a second resource transfer amount of the requested resource, and the second resource transfer amount is a sum of first resource transfer amounts respectively requested by at least two accounts. The first amount of resource transfer requested for each account may be derived, for example, by the resource server from the obtained first resource transfer request information for each account.
The request module 802 is configured to request for an acknowledgement of the second resource transfer request information. As an example, the request module 802 may present the second resource transfer request on a user's terminal to request confirmation of the second resource transfer request information by the user, which may include clicking a confirmation button, entering a password, and so forth. As an example, where the second resource transfer request information may also include information related to a storage account storing resources, the request module 802 is further configured to request to obtain confirmation of transferring a second amount of resources from the storage account.
The transfer initiation module 803 is configured to initiate transfer of the second amount of resource to the resource transfer server in response to the acknowledgement being obtained, such that the resource transfer server selects a corresponding resource transfer channel for each of the at least two accounts in order to transfer the first amount of resource requested by each account into said each account through the corresponding resource transfer channel.
FIG. 9 illustrates an example system 900 that includes an example computing device 910 that represents one or more systems and/or devices that can implement the various techniques described herein. Computing device 910 may be, for example, a server of a service provider, a device associated with a server, a system-on-a-chip, and/or any other suitable computing device or computing system. Any of the resource transfer devices 700 and 800 described above with reference to fig. 7 and 8, respectively, may take the form of computing device 910. Alternatively, either of the resource transfer device 700 and the resource transfer device 800 may be implemented as a computer program in the form of a resource transfer application 916.
The example computing device 910 as illustrated includes a processing system 911, one or more computer-readable media 912, and one or more I/O interfaces 913 communicatively coupled to each other. Although not shown, the computing device 910 may also include a system bus or other data and command transfer system that couples the various components to one another. A system bus may include any one or combination of different bus structures, such as a memory bus or memory controller, a peripheral bus, a universal serial bus, and/or a processor or local bus that utilizes any of a variety of bus architectures. Various other examples are also contemplated, such as control and data lines.
The processing system 911 is representative of functionality that performs one or more operations using hardware. Thus, the processing system 911 is illustrated as including hardware elements 914 that may be configured as processors, functional blocks, and the like. This may include implementation in hardware as application specific integrated circuits or other logic devices formed using one or more semiconductors. The hardware component 914 is not limited by the material from which it is formed or the processing mechanism employed therein. For example, the processor may be comprised of semiconductor(s) and/or transistors (e.g., electronic Integrated Circuits (ICs)). In such a context, the processor-executable instructions may be electronically-executable instructions.
The computer-readable medium 912 is illustrated as including a memory/storage 915. Memory/storage 915 represents memory/storage capacity associated with one or more computer-readable media. The memory/storage 915 may include volatile media (such as Random Access Memory (RAM)) and/or nonvolatile media (such as Read Only Memory (ROM), flash memory, optical disks, magnetic disks, and so forth). The memory/storage 915 may include fixed media (e.g., RAM, ROM, a fixed hard drive, etc.) and removable media (e.g., flash memory, a removable hard drive, an optical disk, and so forth). The computer-readable medium 912 may be configured in a variety of other ways as described further below.
One or more I/O interfaces 913 represent functionality that allows a user to input commands and information to computing device 910, and optionally also allows information to be presented to the user and/or other components or devices using various input/output devices. Examples of input devices include keyboards, cursor control devices (e.g., mice), microphones (e.g., for voice input), scanners, touch functions (e.g., capacitive or other sensors configured to detect physical touches), cameras (e.g., motion that does not involve touches may be detected as gestures using visible or invisible wavelengths such as infrared frequencies), and so forth. Examples of output devices include a display device (e.g., a display or projector), speakers, a printer, a network card, a haptic response device, and so forth. Accordingly, the computing device 910 may be configured in a variety of ways as described further below to support user interaction.
Computing device 910 also includes resource transfer application 916. The resource transfer application 916 may be, for example, a software instance of either of the resource transfer device 700 and the resource transfer device 800, and implements the techniques described herein in combination with other elements in the computing device 910.
Various techniques may be described herein in the general context of software hardware elements or program modules. Generally, these modules include routines, programs, objects, elements, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The terms "module," "functionality," and "component" as used herein generally represent software, firmware, hardware, or a combination thereof. The features of the techniques described herein are platform-independent, meaning that the techniques may be implemented on a variety of computing platforms having a variety of processors.
An implementation of the described modules and techniques may be stored on or transmitted across some form of computer readable media. Computer-readable media can include a variety of media that can be accessed by computing device 910. By way of example, and not limitation, computer readable media may comprise "computer readable storage media" and "computer readable signal media".
"Computer-readable storage medium" refers to a medium and/or device that can permanently store information and/or a tangible storage device, as opposed to a mere signal transmission, carrier wave, or signal itself. Thus, computer-readable storage media refers to non-signal bearing media. Computer-readable storage media include hardware such as volatile and nonvolatile, removable and non-removable media and/or storage devices implemented in methods or techniques suitable for storage of information such as computer-readable instructions, data structures, program modules, logic elements/circuits or other data. Examples of a computer-readable storage medium may include, but are not limited to RAM, ROM, EEPROM, flash memory or other memory technology, CD-ROM, digital Versatile Disks (DVD) or other optical storage, hard disk, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or other storage devices, tangible media, or articles of manufacture adapted to store the desired information and which may be accessed by a computer.
"Computer-readable signal medium" refers to a signal bearing medium configured to hardware, such as to send instructions to computing device 910 via a network. Signal media may typically be embodied in computer readable instructions, data structures, program modules, or other data in a modulated data signal, such as a carrier wave, data signal, or other transport mechanism. Signal media also include any information delivery media. The term "modulated data signal" means a signal that has one or more of its characteristics set or changed in such a manner as to encode information in the signal. By way of example, and not limitation, communication media includes wired media such as a wired network or direct-wired connection, and wireless media such as acoustic, RF, infrared and other wireless media.
As previously described, the hardware elements 914 and computer-readable media 912 represent instructions, modules, programmable device logic, and/or fixed device logic implemented in hardware that may be used in some embodiments to implement at least some aspects of the techniques described herein. The hardware elements may include integrated circuits or components of a system on a chip, application Specific Integrated Circuits (ASICs), field Programmable Gate Arrays (FPGAs), complex Programmable Logic Devices (CPLDs), and other implementations in silicon or other hardware devices. In this context, the hardware elements may be implemented as processing devices that perform program tasks defined by instructions, modules, and/or logic embodied by the hardware elements, as well as hardware devices that store instructions for execution, such as the previously described computer-readable storage media.
Combinations of the foregoing may also be used to implement the various techniques and modules described herein. Thus, software, hardware, or program modules, and other program modules may be implemented as one or more instructions and/or logic embodied on some form of computer-readable storage medium and/or by one or more hardware elements 914. Computing device 910 may be configured to implement particular instructions and/or functions corresponding to software and/or hardware modules. Thus, for example, the modules may be implemented at least in part in hardware as modules executable by the computing device 910 as software using the computer-readable storage medium of the processing system and/or the hardware elements 914. The instructions and/or functions may be executable/operable by one or more articles of manufacture (e.g., one or more computing devices 910 and/or processing systems 911) to implement the techniques, modules, and examples described herein.
In various implementations, the computing device 910 may take on a variety of different configurations. For example, the computing device 910 may be implemented as a computer-like device including a personal computer, desktop computer, multi-screen computer, laptop computer, netbook, and the like. Computing device 910 may also be implemented as a mobile apparatus-like device including a mobile device such as a mobile phone, portable music player, portable gaming device, tablet computer, multi-screen computer, or the like. Computing device 910 may also be implemented as a television-like device that includes devices having or connected to generally larger screens in casual viewing environments. Such devices include televisions, set-top boxes, gaming machines, and the like.
The techniques described herein may be supported by these various configurations of computing device 910 and are not limited to the specific examples of techniques described herein. The functionality may also be implemented in whole or in part on the "cloud" 920 through the use of a distributed system, such as through platform 922 as described below.
Cloud 920 includes and/or represents a platform 922 for resources 924. Platform 922 abstracts underlying functionality of hardware (e.g., servers) and software resources of cloud 920. Resources 924 may include applications and/or data that may be used when executing computer processing on servers remote from computing device 910. Resources 924 may also include services provided over the internet and/or over subscriber networks such as cellular or Wi-Fi networks.
Platform 922 may abstract resources and functionality to connect computing device 910 with other computing devices. Platform 922 may also be used to abstract a hierarchy of resources to provide a corresponding level of hierarchy of requirements encountered for resources 924 implemented via platform 922. Thus, in an interconnected device embodiment, the implementation of the functionality described herein may be distributed throughout the system 900. For example, the functionality may be implemented in part on computing device 910 and by platform 922 that abstracts the functionality of cloud 920.
It should be understood that for clarity, embodiments of the present disclosure have been described with reference to different functional units. However, it will be apparent that the functionality of each functional unit may be implemented in a single unit, in a plurality of units or as part of other functional units without departing from the present disclosure. For example, functionality illustrated to be performed by a single unit may be performed by multiple different units. Thus, references to specific functional units are only to be seen as references to suitable units for providing the described functionality rather than indicative of a strict logical or physical structure or organization. Thus, the present disclosure may be implemented in a single unit or may be physically and functionally distributed between different units and circuits.
It will be understood that, although the terms first, second, third, etc. may be used herein to describe various devices, elements, components or sections, these devices, elements, components or sections should not be limited by these terms. These terms are only used to distinguish one device, element, component, or section from another device, element, component, or section.
Although the present disclosure has been described in connection with some embodiments, it is not intended to be limited to the specific form set forth herein. Rather, the scope of the present disclosure is limited only by the appended claims. Additionally, although individual features may be included in different claims, these may possibly be advantageously combined, and the inclusion in different claims does not imply that a combination of features is not feasible and/or advantageous. The order of features in the claims does not imply any specific order in which the features must be worked. Furthermore, in the claims, the word "comprising" does not exclude other elements, and the indefinite article "a" or "an" does not exclude a plurality. Reference signs in the claims are provided merely as a clarifying example and shall not be construed as limiting the scope of the claims in any way.

Claims (11)

1. A resource transfer method implemented on a resource transfer server, the method comprising:
Obtaining first resource transfer request information of a first account and first resource transfer request information of a second account from a first account system to which the first account belongs, wherein the first resource transfer request information of each of the first account and the second account comprises a first resource transfer amount of resources requested by the each account, wherein the first resource transfer request information of the second account is generated by the first account system based on account information of the second account sent to the first account system by the second account system to which the second account belongs, wherein the first account is an account system of an instant messaging platform, wherein the first account of the at least two accounts comprises a credit account with credit of a user of the first account as a credit guarantee for transferring resources out of the first account; wherein the maximum transferable amount of resources transferred from the credit account is dependent on account information of a second account of the at least two accounts acquired by a first account system to which the first account belongs, wherein the second account comprises an account from which resources are transferred with a mortgage object of a user of the second account as a mortgage, and the account information of the second account comprises the maximum transferable amount of resources transferred with the mortgage object as a mortgage;
Obtaining second resource transfer request information, wherein the second resource transfer request information comprises a second resource transfer amount of the requested resource, and the second resource transfer amount is a sum of first resource transfer amounts respectively requested by the at least two accounts;
Transmitting second resource transfer request information to request acquisition of resources of the second resource transfer amount;
In response to obtaining the resources of the second resource transfer amount, selecting a corresponding resource transfer channel for each account;
And transferring the resources of the first resource transfer amount requested by each account to each account through a corresponding resource transfer channel.
2. The method of claim 1, wherein the at least two accounts are at least two accounts of a same user or at least two associated accounts of different users, the at least two accounts of the same user or the at least two associated accounts of different users being obtained from a blockchain.
3. The method of claim 1, wherein the first account is a credit account from which a vehicle use fee generated by the vehicle during use is deducted, and the second account is an account from which payment is made for a vehicle loan with the vehicle as a mortgage.
4. The method of claim 2, wherein obtaining second resource transfer request information comprises:
In response to vehicle information of the vehicle generating the vehicle usage charge being consistent with vehicle information of the vehicle as a mortgage of the vehicle loan, second resource transfer request information is obtained, the second resource request information including a second resource transfer amount of the requested resource, wherein the second resource transfer amount of the requested resource is a sum of the vehicle usage charge as the first resource transfer amount requested by the first account and a repayment for the vehicle loan as the first resource transfer amount requested by the second account.
5. The method of claim 1, wherein the second resource transfer request information further includes information related to a storage account of the storage resource, and the storage account is different from the at least two accounts; and
Wherein sending second resource transfer request information to request acquisition of resources of the second resource transfer amount includes: transmitting second resource transfer request information to request for confirmation of transfer of a second amount of resources from the storage account;
in response to obtaining the confirmation, a second amount of resource transferred from the storage account is obtained.
6. The method of claim 1, wherein selecting a corresponding resource transfer channel for each account comprises:
Determining a transfer cost for each of at least two resource transfer channels for each account;
The resource transfer channel with the lowest transfer cost determined for each account is selected as its corresponding resource transfer channel.
7. The method of claim 6, wherein determining a transfer cost for each of at least two resource transfer channels for each account comprises:
Determining the transfer cost of each resource transfer channel according to historical resource transfer data in a preset time period of each resource transfer channel, wherein the historical resource transfer data comprises a weighted sum of the success rate and the transfer cost of resource transfer through each resource transfer channel.
8. The method of claim 7, wherein a success rate of resource transfer through each resource transfer channel is determined by:
Determining the number of attempts to transfer resources in the preset time period by each resource transfer channel;
determining the success times of transferring the resources in the preset time period by each resource transfer channel;
And determining the ratio of the successful times to the trial times, and taking the ratio as the success rate of resource transfer through each resource transfer channel.
9. A resource transfer device implemented on a resource transfer server, the resource transfer device comprising:
A first obtaining module configured to obtain, from a first account system to which the first account belongs, first resource transfer request information of the first account and first resource transfer request information of a second account, wherein the first resource transfer request information of each of the first account and the second account includes a first resource transfer amount of a resource requested by the each account, wherein the first resource transfer request information of the second account is generated by the first account system based on account information of the second account sent to the first account system by the second account system to which the second account belongs, wherein the first account is an account system of an instant messaging platform, wherein the first account of the at least two accounts includes a credit account with a credit of a user of the first account as a credit account vouch for transferring resources therefrom; wherein the maximum transferable amount of resources transferred from the credit account is dependent on account information of a second account of the at least two accounts acquired by a first account system to which the first account belongs, wherein the second account comprises an account from which resources are transferred with a mortgage object of a user of the second account as a mortgage, and the account information of the second account comprises the maximum transferable amount of resources transferred with the mortgage object as a mortgage;
A second acquisition module configured to acquire second resource transfer request information, wherein the second resource transfer request information includes a second resource transfer amount of the requested resource, and the second resource transfer amount is a sum of first resource transfer amounts respectively requested by the at least two accounts;
A transmission module configured to transmit second resource transfer request information to request acquisition of resources of the second resource transfer amount;
A selection module configured to select a corresponding resource transfer channel for each account in response to obtaining the second resource transfer amount of resources;
And the transfer module transfers the resources of the first resource transfer amount requested by each account to each account through the corresponding resource transfer channel.
10. A computing device, comprising
A memory configured to store computer-executable instructions;
a processor configured to perform the method of any of claims 1-8 when the computer executable instructions are executed by the processor.
11. A computer readable storage medium storing computer executable instructions which, when executed, perform the method of any one of claims 1-8.
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