CN111694892A

CN111694892A - Resource transfer method, device, terminal, server and storage medium

Info

Publication number: CN111694892A
Application number: CN201910191177.7A
Authority: CN
Inventors: 王文渊; 陈郁; 李磊; 李斌
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2019-03-13
Filing date: 2019-03-13
Publication date: 2020-09-22
Anticipated expiration: 2039-03-13
Also published as: CN111694892B

Abstract

The embodiment of the invention discloses a resource transfer method, a resource transfer device, a terminal, a server and a storage medium, and belongs to the technical field of Internet. The method comprises the following steps: receiving a resource transfer request of a first terminal, wherein the resource transfer request carries a target group of the first terminal, a target business number of a second terminal, a target account serving as a resource transfer object and a first numerical value; according to a preset relational database, checking the target group and the target commercial tenant number; when the target group and the target merchant number are determined to have an association relation and the resource transfer request meets a preset condition, transferring the resource with the first value from the target merchant number to the target account; and sending a transfer completion notification to the first terminal and the second terminal, wherein the transfer completion notification is used for notifying the first terminal and the second terminal. The embodiment of the invention expands the resource transfer mode, enlarges the application range of the resource transfer, can transfer the resources orderly, is convenient for resource management and improves the effect of the resource management.

Description

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

Technical Field

The embodiment of the invention relates to the technical field of internet, in particular to a resource transfer method, a resource transfer device, a resource transfer terminal, a resource transfer server and a storage medium.

Background

With the rapid development of the internet technology, the modes of daily life, work, entertainment, shopping and the like of people are changed greatly, particularly in the scene of payment, the payment through the internet gradually becomes a common transaction mode for people, and in the process of transaction through the mode, cash is not required to be carried, so that the payment is convenient and rapid.

In the related technology, a group administrator logs in a group management client installed on a terminal based on a group identifier, when the terminal detects a resource transfer operation triggered by the group administrator on a resource transfer interface, a first numerical value and a target account corresponding to the resource transfer operation are acquired, a resource transfer request carrying the first numerical value and the target account is sent to a server, and the server transfers a resource of the first numerical value to the target account from a merchant number having an association relationship with the group according to the resource transfer request.

In the above scheme, the group corresponds to the business number one to one, and the resource transfer can only be completed through the only one business number having an association relationship with the group, so that the resource transfer mode is limited, and when a plurality of managers exist in the group, the resource transfer mode of the plurality of managers based on the same business number is easy to cause resource transfer confusion, so that the resource management effect is poor.

Disclosure of Invention

The embodiment of the invention provides a resource transfer method, a resource transfer device, a terminal, a server and a storage medium, which can solve the problems in the related art. The technical scheme is as follows:

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

receiving a resource transfer request of a first terminal, wherein the resource transfer request carries a target group of the first terminal, a target business number of a second terminal, a target account serving as a resource transfer object and a first numerical value, and the mechanism attributes of users associated with one group are the same;

checking the target group and the target commercial tenant number according to a preset relational database, wherein the preset relational database comprises a plurality of groups with incidence relations and commercial tenant numbers;

when the target group and the target merchant number are determined to have an association relation and the resource transfer request meets a preset condition, transferring the resource with the first numerical value from the target merchant number to the target account;

and sending a transfer completion notification to the first terminal and the second terminal, wherein the transfer completion notification is used for notifying the first terminal and the second terminal.

Optionally, before receiving the resource transfer request of the first terminal, the method further includes:

receiving an association request of the second terminal, wherein the association request is used for requesting to establish an association relationship between a target group of the first terminal and a target business number of the second terminal;

and when a determined association instruction of the first terminal is received, establishing an association relationship between the target group and the target business number, wherein the determined association instruction is used for indicating that the association relationship is established between the target group of the first terminal and the target business number of the second terminal.

Optionally, after receiving the association request of the second terminal, the method further includes:

updating a request list based on the association request, wherein the request list comprises a plurality of association requests for requesting to establish association relation with the target group, and each association request carries a group and a merchant number;

and when receiving the list acquisition request of the first terminal, sending an updated request list to the first terminal.

Optionally, when receiving the association determining instruction of the first terminal, after establishing an association relationship between the target group and the target merchant number, the method further includes:

setting the state of the association request to a first state, and sending the first state to the first terminal, wherein the first state represents that the association request passes;

and sending a first association result to the second terminal, wherein the first association result is that the target group agrees to establish an association relationship.

when receiving a correlation rejection instruction of the first terminal, ignoring a correlation request of the second terminal, wherein the correlation rejection instruction is used for rejecting establishment of a correlation between a target group of the first terminal and a target business number of the second terminal;

setting the state of the association request to a second state, and sending the second state to the first terminal, wherein the second state represents that the association request is rejected;

and sending a second association result to the second terminal, wherein the second association result is that the target group refuses to establish an association relationship.

and storing the association relation into the preset relation library.

Optionally, after the transferring the resource of the first value from the target merchant number to the target account, the method further includes:

generating numerical value flow information, wherein the numerical value flow information is used for representing the numerical value flow condition based on the resource transfer request;

inquiring the preset relation library according to the numerical value flow direction information to obtain a target object, wherein the target object comprises at least one of a group, a merchant number or an account, and the similarity between the numerical value flow direction information of the target object and the numerical value flow direction information is greater than or equal to a threshold value;

and establishing a potential association relation between the target object and the target group, the target business number of the second terminal or the target account in the preset relation library.

Optionally, the method further comprises:

receiving an auditing request of any object, wherein the auditing request is used for auditing the numerical flow information of the object;

and outputting the numerical flow information of the object, the numerical flow information of the object having an association relation with the object and the numerical flow information of the object having a potential association relation with the object.

Optionally, after the target group and the target merchant number are verified according to a preset relationship library, the method further includes:

and sending a checking result to the first terminal, wherein the checking result comprises a first checking result and a second checking result, the first checking result represents that the target group and the target business number have an association relationship, and the second checking result represents that the target group and the target business number do not have an association relationship.

Optionally, the target account includes a plurality of accounts, and the transferring the resource of the first value from the target merchant number to the target account when it is determined that the target group and the target merchant number have an association relationship and the resource transfer request meets a preset condition includes:

when the target group and the target merchant number are determined to have the association relationship, transferring the resource transfer package of the first numerical value from the target merchant number to an intermediate account;

when the pickup operation of any account in the plurality of accounts on the resource transfer package is detected, transferring a second value of the resource from the intermediate account to the account, wherein the second value is smaller than the first value.

In another aspect, a resource transfer method is provided, where the resource transfer method is applied to a first terminal, and the first terminal installs a group management client, where the method includes:

logging in the group management client based on the group identification of the target group;

sending a resource transfer request to a server, wherein the resource transfer request carries the target group, a target business number of a second terminal, a target account serving as a resource transfer object and a first numerical value, and the mechanism attributes of users associated with one group are the same;

receiving a transfer completion notification of the server when the target group and the target merchant number have an association relationship;

displaying the transfer completion notification.

Optionally, before sending the resource transfer request to the server, the method further includes:

and when detecting that the association request of the second terminal agrees to the association triggering operation, sending an association determining instruction to the server, wherein the association determining instruction is used for indicating that an association relationship is established between the target group of the first terminal and the target business number of the second terminal.

Optionally, before sending the association determination instruction to the server when detecting that the association request of the second terminal is granted to the association triggering operation, the method further includes:

sending a list acquisition request to the server to acquire a request list comprising a plurality of association requests for establishing association relation with the target group, wherein each association request carries a group and a business number;

receiving an updated request list of the server;

and displaying the updated request list.

Optionally, after sending an association determination instruction to the server when detecting that the association request of the second terminal on the group management interface is granted to the association triggering operation, the method further includes:

receiving a first state sent by the server, wherein the first state represents that the association request passes;

and displaying the first state.

when detecting the association rejection triggering operation of the association request of the second terminal, sending an association rejection instruction to the server, wherein the association rejection instruction is used for rejecting establishment of an association relationship between a target group of the first terminal and a target business number of the second terminal;

receiving a second state sent by the server, wherein the second state represents that the association request is rejected;

and displaying the second state.

Optionally, after sending the resource transfer request to the server, the method further includes:

receiving a checking result of the server, wherein the checking result comprises a first checking result and a second checking result, the first checking result represents that the target group and the target commercial tenant number have an association relationship, and the second checking result represents that the target group and the target commercial tenant number do not have an association relationship;

and displaying the verification result.

In another aspect, a resource transfer method is provided, where the resource transfer method is applied to a second terminal, and the second terminal is installed with a merchant number application client, where the method includes:

logging in the merchant number application client based on the target merchant number;

when a target group of a first terminal sends a resource transfer request for requesting to transfer a resource with a first value from the target business number to a target account to a server and the target group and the target business number have an association relationship, receiving a transfer completion notification of the server;

displaying the transfer completion notification.

Optionally, before receiving a transfer completion notification from a server when a target group of the first terminal sends a resource transfer request for requesting transfer of a resource of a first value from the target merchant number to a target account to the server and the target group and the target merchant number have an association relationship, the method further includes:

and sending an association request to the server, wherein the association request carries the target group and the target business number and is used for requesting to establish an association relationship between the target group and the target business number.

Optionally, after sending the association request to the server, the method further includes:

when the target group agrees to establish an association relationship between the target group and the target business number, receiving a first association result of the server, wherein the first association result is that the target group agrees to establish the association relationship;

and displaying the first correlation result.

when the target group refuses to establish the association between the target group and the target business number, receiving a second association result of the server, wherein the second association result is the refusal of the establishment of the association for the target group;

and displaying the second correlation result.

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

a transfer request receiving module, configured to receive a resource transfer request of a first terminal, where the resource transfer request carries a target group of the first terminal, a target merchant number of a second terminal, a target account serving as a resource transfer object, and a first numerical value, where mechanism attributes of users associated with one group are the same;

the checking module is used for checking the target group and the target commercial tenant number according to a preset relational database, and the preset relational database comprises a plurality of groups with incidence relations and commercial tenant numbers;

the transfer module is used for transferring the resources with the first numerical value from the target merchant number to the target account when the target group and the target merchant number are determined to have the association relationship and the resource transfer request meets the preset condition;

a transfer notification sending module, configured to send a transfer completion notification to the first terminal and the second terminal, where the transfer completion notification is used to notify the first terminal and the second terminal.

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

the group login module is used for logging in the group management client based on the group identification of the target group;

a transfer request sending module, configured to send a resource transfer request to a server, where the resource transfer request carries the target group, a target merchant number of the second terminal, a target account serving as a resource transfer object, and a first numerical value, and mechanism attributes of users associated with one group are the same;

a notification receiving module, configured to receive a transfer completion notification of the server when the target group and the target merchant number have an association relationship;

and the notification display module is used for displaying the transfer completion notification.

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

the merchant number login module is used for logging in the merchant number application client based on the target merchant number;

a notification receiving module, configured to receive a transfer completion notification from a server when a target group of a first terminal sends, to the server, a resource transfer request for requesting transfer of a resource of a first value from the target merchant number to a target account, and the target group and the target merchant number have an association relationship with each other;

In another aspect, a server is provided that includes a processor and a memory having stored therein at least one instruction, at least one program, set of codes, or set of instructions that is loaded and executed by the processor to perform the operations as performed in the resource transfer method.

In another aspect, a terminal is provided that includes a processor and a memory having stored therein at least one instruction, at least one program, set of codes, or set of instructions that is loaded and executed by the processor to perform the operations as performed in the resource transfer method.

In yet another aspect, a computer-readable storage medium is provided having stored therein at least one instruction, at least one program, set of codes, or set of instructions that is loaded by a processor and has an operation to be performed as in the resource transfer method.

In the method, the device, the terminal, the server and the storage medium provided by the embodiment of the invention, the first terminal sends a resource transfer request to the server to request the server to transfer the resource value target account with the first numerical value from the target business number, the server checks according to the preset relation library, when the target group and the target business number are determined to have the association relation, the resource with the first numerical value is transferred from the target business number to the target business number, and the first terminal and the second terminal for logging in the target business number are notified. In the method provided by the embodiment of the invention, each group can have a plurality of associated business numbers, and the group can transfer resources based on any business number in the business numbers, thereby expanding the resource transfer mode and expanding the application range of resource transfer.

Moreover, even if a group has a plurality of managers, the managers can transfer resources orderly through different business numbers, so that the resource management is facilitated, the effect of the resource management is improved, and the flexibility of the resource management is enhanced.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

FIG. 1 is a schematic illustration of an implementation environment provided by an embodiment of the invention;

FIG. 2 is an interaction flow chart of a resource transfer method according to an embodiment of the present invention;

FIG. 3 is a schematic diagram of a payment interface for Enterprise A according to an embodiment of the present invention;

FIG. 4 is an interaction flow diagram of a scenario in which an enterprise administrator red bundles enterprise employees according to an embodiment of the present invention;

FIG. 5 is an interactive flow diagram of a scenario in which an enterprise administrator pays an enterprise employee, according to an embodiment of the present invention;

FIG. 6 is an interaction flow diagram of a scenario in which an enterprise administrator collects money from an enterprise employee, according to an embodiment of the present invention;

fig. 7 is an interaction flowchart of an association relationship establishing method according to an embodiment of the present invention;

fig. 8 is a schematic diagram of inputting a group identifier of a target group on a merchant number interface according to an embodiment of the present invention;

FIG. 9 is a schematic diagram of a request list displayed on a merchant number interface according to an embodiment of the invention;

FIG. 10 is a diagram illustrating a first correlation result according to an embodiment of the present invention;

FIG. 11 is a diagram illustrating a status of an association request according to an embodiment of the invention;

FIG. 12 is a diagram illustrating a second correlation result according to an embodiment of the present invention;

fig. 13 is a schematic diagram illustrating a group and a business number establishing a one-to-one association relationship according to an embodiment of the present invention;

fig. 14 is a schematic diagram illustrating a many-to-many association relationship between a group and a merchant number according to an embodiment of the present invention;

FIG. 15 is a schematic diagram of entering a group in a merchant number interface according to an embodiment of the invention;

fig. 16 is a schematic structural diagram of a resource transfer apparatus according to an embodiment of the present invention;

fig. 17 is a schematic structural diagram of another resource transfer apparatus according to an embodiment of the present invention;

fig. 18 is a schematic structural diagram of another resource transfer apparatus according to an embodiment of the present invention;

fig. 19 is a schematic structural diagram of a terminal according to an embodiment of the present invention;

fig. 20 is a schematic structural diagram of a server according to an embodiment of the present invention.

Detailed Description

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

Before describing embodiments of the present invention in detail, the concepts involved are explained as follows:

1. group (2): the group is a group composed of a plurality of individuals in social application, such as an enterprise group including a plurality of employees, a mechanism group including a plurality of members, a family group including a plurality of family members, a preference group composed of a plurality of members having common preferences, and the like.

2. Group identification: the group management client may register a group identifier, where the group identifier is used to determine a unique corresponding group, can represent the identity of the group, and may be a group account, a group nickname, or the like, and when the group is an enterprise, may be the name of the enterprise, an organization code, or the like.

3. The group management client: the group management system is a client terminal specially used for managing a group, and can execute various operations such as interaction, attendance card punching, enterprise personnel management and the like between at least one user associated with the group identification based on the logged-in group identification.

For example, the administrator logs in to the group management client based on the group identification, may view the group member's card-punching record, red package to the group member, and so on.

When the group manages resources based on the group management client, the resource management can be performed through the business number, the business number is the business number which establishes the association relationship with the group in advance, the business number can be regarded as the resource pool of the group, and the group can store resources in the business number and can transfer the resources from the business number to other accounts.

4. Merchant number application client: the client for managing resources can execute various operations such as storage, transfer, exchange and the like on resources in a business number based on the logged-in business number, can be associated with a group to enable the group to manage resources through the business number, and can also execute various operations such as storage, transfer, exchange and the like on resources in the business number without being associated with the group.

For example, a merchant number is associated with a group, which may transfer resources to other accounts based on the associated merchant number.

It should be noted that the business number application client and the group management client may be different clients or the same client. If the business number application client and the group management client are the same client, the user can log in the client based on different login information and display different interfaces, and functions displayed in the different interfaces are different.

5. The association relationship is as follows: the association relationship established between the group identifier and the merchant number is used for associating the two different types of users, and the association relationship may include the group identifier and the merchant number, and may also include an interaction record between the group and the merchant number. The group and the business number can carry out interaction, resource transfer, mutual transmission of prompting communication messages and the like based on the association relationship between the group and the business number.

Fig. 1 is a schematic diagram of an implementation environment provided by an embodiment of the present invention, where the implementation environment includes: the terminal comprises a first terminal 101, a second terminal 102 and a server 103, wherein the first terminal 101 and the second terminal 102 are respectively connected with the server 103 through a network.

The first terminal 101 and the second terminal 102 may be various types of devices such as a mobile phone, a computer, a tablet computer, and the like, and the server 103 may be a server, a server cluster composed of a plurality of servers, or a cloud computing service center.

The first terminal 101 may install a group management client, log in the group management client based on the group identifier, and interact with the server 103 through the group management client. The second terminal 102 may install a merchant number application client, log in the merchant number application client based on the merchant number, and interact with the server 103 through the merchant number application client.

The embodiment of the invention provides a method, which is characterized in that an association relation is established between a target group logged in by a first terminal and a target business number logged in by a second terminal, and when a target group initiates resource transfer, resources are transferred from the target business number to a target account.

In a possible implementation manner, the method is applied to the first terminal 101, the second terminal 102, and the server 103, a plurality of groups and business numbers having an association relationship are pre-stored in a preset relationship library of the server 103, after the first terminal 101 sends a resource transfer request to the server 103, the server 103 checks whether the target group and the target business number have an association relationship according to the resource transfer request and the preset relationship library, and if so, transfers resources from the target business number to the target account, and completes resource transfer.

Each group and business number in the preset relational database are the group and business number with the pre-established association relationship, each group and business number with the association relationship in the preset relational database can be collected by an operator and then input to the server 103, or the second terminal 102 sends an association request to the server 103 based on the logged-in business number, the server 103 establishes the association relationship between the two groups after the agreement of the group logged in the first terminal 101, and the association relationship is stored in the server 103.

With the development of online payment, more and more enterprises access the fund processing scene into a payment channel, and the online fund transfer enables the payment to be more convenient and faster, and an efficient fund processing mode can be provided for the enterprises.

In the related technology, when resource transfer is performed, a group administrator logs in a group management client installed on a first terminal based on a group identifier, when the first terminal detects a resource transfer operation, a first numerical value and a target account corresponding to the resource transfer operation are acquired, a resource transfer request carrying the first numerical value and the target account is sent to a server, and the server transfers a resource of the first numerical value to the target account from a merchant number having an association relationship with the group according to the received resource transfer request. However, since the group corresponds to the business number one to one, the group can only transfer resources through the associated business number, which limits the resource transfer method, and when there are multiple administrators in the group, the resource transfer method based on the same business number by the multiple administrators is prone to cause resource transfer confusion, resulting in poor resource management effect and even bringing security risk.

For example, in a business-level payment-related application scenario, there are situations where a business needs to use multiple merchant numbers for funding. Based on the one-to-one association relationship in the related technology, all members in an enterprise can only share one merchant number for fund processing, which easily causes the problems of disordered fund management or unclear accounts.

The embodiment of the invention provides a resource transfer method, which is characterized in that association relations between each group and a plurality of business numbers are established for each group in a plurality of groups, when any group initiates a resource transfer request, if the resource transfer request is used for requesting to transfer resources from the business numbers which have the association relations with any group, corresponding resources are transferred from the business numbers to target accounts, and resource transfer is completed. The same group can transfer resources based on a plurality of merchant numbers, so that the resource transfer mode is expanded, the resource transfer is conveniently and orderly carried out, the resource management effect is improved, and the resource management requirements of the group in various scenes are met.

Fig. 2 is an interaction flowchart of a resource transfer method according to an embodiment of the present invention. The interaction subject of the embodiment of the invention is the first terminal, the second terminal and the server shown in fig. 1, and the process of transferring the resource from the target group to the target account based on the target merchant number is explained. Referring to fig. 2, the method includes:

201. the first terminal sends a resource transfer request to the server based on the target group logged in by the group management client.

The first terminal can be provided with a group management client, logs in the group management client according to the group identification, and interacts with the server based on the logged-in group, and the second terminal can be provided with a merchant number application client, logs in the merchant number application client according to the merchant number, and interacts with the server based on the logged-in merchant number.

The group identifier and the merchant number of the group can be unique digital identifiers, nicknames, names, organization codes and the like. For example, the group is identified as "XX technologies limited" and the merchant number is "ID 12345X".

Each user can register a group identifier based on the group management client, and logs in the group management client based on the group identifier, and the group identifier not only can represent the identity of the user, but also can represent a group corresponding to the user. The group may be any type of group including a plurality of users, such as a business, an organization, a group, a hobby group, a family group, etc. The group management client can also create groups, each group can select one or more group administrators, and the group administrators perform operations for managing the groups, such as attendance management, personnel management and the like. The users belonging to the same group can establish the association relationship, and the users not belonging to the same group can also establish the association relationship.

Each user can register a business number based on the business number application client, and log in the business number application client based on the business number, each business number can represent the identity of one user, and the business number can be an individual business number or a group business number. The merchant number may be used to manage resources, including receiving resources and other merchant numbers or account transfer resources.

And the group carries out resource management through the merchant number, and comprises the steps of transferring and storing other merchant numbers or accounts into the merchant numbers with the association relationship, and transferring the resources in the merchant numbers with the association relationship into other merchant numbers or accounts.

The embodiment of the present invention is described by taking an example that the target group transfers resources from the target business number to the target business, the target group and the target business number have a pre-established association relationship, and the mechanism attributes of the users associated with one group are the same, that is, the users associated with one group belong to the same mechanism, for example, the users associated with the target group belong to the same enterprise.

When transferring resources, the first terminal logs in the group management client based on the group identifier of the target group, and the second terminal logs in the business number application client based on the business number of the target. And the first terminal interacts with the server based on the logged target group and sends a resource transfer request to the server.

The resource transfer request carries a target group of the first terminal, a target business number of the second terminal, a target account serving as a resource transfer object and a first numerical value, and is used for transferring the resource of the first numerical value in the target business number to the target account.

202. And the server receives the resource transfer request of the first terminal and verifies the target group and the target commercial tenant number according to the preset relational database.

The preset relational database is a pre-established relational database and is stored in the server, and the preset relational database comprises a plurality of groups with incidence relations and business numbers. In the preset relationship library, each group may have an association relationship with one or more business numbers, and each business number may also have an association relationship with one or more groups, where the association relationship is an association relationship that is pre-established and stored in the preset relationship library.

Regarding the establishing process of the preset relationship library, in a possible implementation manner, at least one terminal obtains a plurality of groups and business numbers having an association relationship, sends the groups and business numbers having the association relationship to a server, and the server stores the groups and business numbers having the association relationship and establishes the preset relationship library according to the groups and business numbers having the association relationship.

Regarding the establishing process of the preset relationship library, in another possible implementation manner, the first type terminal of the login group and the second type terminal of the login business number interact with the server respectively to request for establishing the association relationship, after the server establishes the association relationship between the group and the business number, the association relationship is stored, and the preset relationship library is established according to a plurality of groups with association relationships and the business numbers.

When receiving a resource transfer request sent by a first terminal, a server acquires a target group and a target business number carried in the resource transfer request, and verifies the target group and the target business number according to a preset relational database to determine whether an association relationship exists between the target group and the target business number.

In a possible implementation manner, the process of verifying the target group and the target merchant number according to the preset relational database includes: the server inquires the business number which has an association relation with the target group in a preset relation library according to the target group, and if the target group does not have the business number which has the association relation, the server indicates that the target business number does not have the association relation with the target group; if the target group has a merchant number with an association relationship, judging whether the merchant number is the target merchant number, if so, indicating that the target merchant number has the association relationship with the target group, and if not, indicating that the target merchant number does not have the association relationship with the target group; if the target group has a plurality of merchant numbers with the association relationship, whether the plurality of merchant numbers have the target merchant number is judged, if so, the target merchant number is indicated to have the association relationship with the target group, and if not, the target merchant number is indicated to have no association relationship with the target group.

After the verification is completed, in a possible implementation manner, the server determines a verification result and sends the verification result to the first terminal. The type of the check result comprises a first check result and a second check result, the first check result represents that the target group and the target merchant number have an association relationship, and the second check result represents that the target group and the target merchant number do not have an association relationship.

And the first terminal receives the verification result sent by the server and displays the verification result on an interface of the group management client. The verification result may be displayed in a text form or in a voice form, for example, when the first terminal receives the first verification result sent by the server, the display interface of the first terminal displays that the verification is passed.

203. And when the target group and the target merchant number are determined to have the association relationship and the resource transfer request meets the preset condition, the server transfers the resource with the first value from the target merchant number to the target account.

When the server determines that the target group and the target merchant number have the association relationship through verification, whether the resource transfer request meets a preset condition is judged, if the preset condition is met, resources with a first value are transferred to the target account from the target merchant number, and if the preset condition is not met, the transfer operation is not executed, namely, the resources are not transferred.

In a possible implementation manner, the preset condition is that the target account performs a pickup operation of the resource to be transferred, when the target group and the target merchant number have an association relationship, the server transfers the resource of the first value from the target merchant number to the intermediate account, and when the pickup operation of the target account on the resource is detected, the server transfers the resource of the first value from the intermediate account to the target account.

In another possible implementation manner, the target account includes a plurality of accounts, the resource transfer request is used to request to transfer a resource transfer package of a first value from the target merchant number to the target account, a preset condition is that any one of the plurality of accounts performs a pickup operation on the resource transfer package, when the target group has an association relationship with the target merchant number, the server transfers the resource transfer package of the first value from the target merchant number to an intermediate account, and when the pickup operation on the resource transfer package by any one of the plurality of accounts is detected, the resource value of a second value is transferred from the intermediate account to the any one of the accounts.

The second value may be a randomly selected value, a value preset by a user of the first terminal, a reduced value of the first value according to a preset scale, or a value determined in other manners, and the second value is smaller than the first value.

For example, in the enterprise wechat, an administrator sends a random red packet with a total value of 100 yuan and a quantity of 20 to an enterprise wechat group, that is, the administrator does not preset a numerical value in each red packet, the server transfers 100 yuan to an intermediate account from a business number associated with the enterprise wechat, when any user (an employee of the enterprise) in the enterprise wechat group performs a pickup operation by clicking the red packet, the server transfers a resource with a second numerical value from the intermediate account to the account of the user, and the pickup of the random red packet with 100 yuan is completed until the pickup of the 20 th user is completed, wherein the second numerical value determined after each user clicks the red packet may be the same or different, but each second numerical value is less than 100.

204. The server sends a transfer completion notification to the first terminal and the second terminal.

And after the resource transfer is finished, the server respectively sends a transfer completion notice to the first terminal and the second terminal, wherein the transfer completion notice is used for notifying the first terminal and the second terminal.

With regard to the resource transfer completion notification, in one possible implementation, the transfer completion notification sent by the server to the first terminal is different from the transfer completion notification sent to the second terminal. The transfer completion notification sent to the first terminal is used for notifying the first terminal of resource transfer completion, and the transfer completion notification sent to the second terminal is used for notifying the second terminal of resources transferred from the first numerical value in the target business number.

For example, after the administrator sends a red envelope to the user in the enterprise wechat group based on the enterprise wechat a registered by the first terminal, when the user a gets the red envelope, the server transfers the resource corresponding to the red envelope to the account of the user a, and sends a transfer completion notification "the user a has got your red envelope" to the first terminal, and after the first terminal receives the transfer completion notification, the "the user a has got your red envelope" is displayed. The server also sends a transfer completion notification to the second terminal, "enterprise WeChat A has transferred the resources of the first value from the current merchant number to user A".

205. And the first terminal receives the transfer completion notification of the server and displays the transfer completion notification.

When the first terminal receives the transfer completion notification sent by the server, the transfer completion notification is displayed on a display interface of the first terminal, and at this time, the target group and the target merchant number are indicated to have an association relationship, and the resources of the first numerical value are successfully transferred from the target merchant number to the target account.

206. And the second terminal receives the transfer completion notification of the server and displays the transfer completion notification.

And when the second terminal receives the transfer completion notification sent by the server, displaying the transfer completion notification on a display interface of the second terminal, wherein the transfer completion notification indicates that the target group has successfully transferred the resource value target account with the first value from the target merchant number.

It should be noted that the steps 205 and 206 are independent of each other, and have no necessary timing relationship, and the steps 205 and 206 may be performed at the same time or at different times.

After the resource transfer is completed, in a possible implementation manner, a resource transfer record query function may be further provided in the display interfaces of the first terminal and the second terminal to query a history record of the resource transfer, so as to perform resource checking or resource clearing based on the history record in the following.

207. And when the target group and the target merchant number are determined not to have the association relation or the resource transfer request does not meet the preset condition, the server does not transfer the resource with the first value from the target merchant number to the target account.

In a possible implementation manner, the server determines that the target group and the target business number do not have an association relationship, at this time, the server does not transfer the resource in the target business number, that is, ignores the resource transfer request sent by the first terminal based on the logged-in target group.

In another possible implementation manner, the server determines that the target group and the target business number have an association relationship, but the resource transfer request sent by the first terminal does not satisfy the preset condition, and at this time, the server does not transfer the resource in the target business number.

In another possible implementation manner, the server determines that the target group and the target merchant number have an association relationship, but the resource transfer request sent by the first terminal does not satisfy the preset condition, at this time, the server transfers the resource with the first value from the target merchant number to the intermediate account, and when the resource transfer request still does not satisfy the preset condition within the preset time, the server transfers the resource with the first value from the intermediate account to the target merchant number.

208. The server sends a transfer failure notification to the first terminal.

When the resource is not successfully transferred from the target merchant number to the target account, the server sends a transfer failure notification to the first terminal to notify the first terminal that the resource is not successfully transferred.

In one possible implementation, if the server does not transfer resources from the target merchant number, no notification is sent to the second terminal; if the server transfers the resource value intermediate account with the first numerical value from the target business number, sending a resource transfer notice to the second terminal to inform the second terminal that the resource with the first numerical value is transferred from the target business number, and after receiving the resource transfer notice, displaying the resource transfer notice on a display interface of the second terminal by the second terminal; if the resource transferred to the intermediate account is not picked up or partially not picked up within the preset time, the server transfers the resource which is not picked up from the intermediate account to the target merchant number, then a resource return notice is sent to the second terminal to notify the second terminal that the resource transferred from the target merchant number is returned by the intermediate account, and after the second terminal receives the resource return notice, the resource return notice is displayed on a display interface of the second terminal.

209. And the first terminal receives the transfer failure notice of the server and displays the transfer failure notice.

And when the first terminal receives the transfer failure notice sent by the server, displaying the transfer failure notice on a display interface of the first terminal, wherein the transfer failure notice indicates that the target group fails to transfer the resource value target account with the first value from the target merchant number.

It should be noted that, after the server verifies the target group and the target business number according to the preset relational database in the step 202, the step 203 and the step 207 and the step 209 are determined according to the verification result, when there is an association relationship between the target group and the target business number, the step 203 and the step 206 are performed, and when there is no association relationship between the target group and the target business number, the step 207 and the step 209 are performed.

In a possible implementation manner, after the server transfers the resource value target account with the first value from the target merchant number in step 203, the method provided by the embodiment of the present invention may further include the following steps (1) to (3):

(1) and the server generates numerical value flow information according to the resource transfer condition.

The value flow information is used for indicating the value flow condition based on the resource transfer request, and comprises at least one of a value source (such as a transfer-out group, a transfer-out merchant number), a value size, a value flow object (such as a transfer-in account) and a value flow time.

For example, the value flow information may be "resource of the third value in account a transfers to account B on 3/1/2019".

(2) And the server queries a preset relational database according to the numerical flow direction information to obtain the target object.

The target object may include at least one of a group, a merchant number, or an account, and the similarity between the numeric flow information and the numeric flow information of the target object is greater than or equal to a threshold. That is, according to the numerical flow information, an object whose numerical flow information similarity is greater than or equal to a threshold is queried in a preset relational database, and the object is determined as a target object.

(3) And the server establishes a potential association relation between the target object and the target group, the target business number or the target account of the second terminal in a preset relation library.

After the target object is determined, the server establishes a potential association relationship between the target object and a target group, a target business number or a target account related to the resource transfer request, and indicates that numerical value flow information of the target object is similar to numerical value flow information of the resource transfer request.

The potential association relationship may represent that the target object is a target group, a target business number or a target account sub-company or a cooperative company, or may represent that the target object is a target group, a target business number or a target account itself, and only names or identifications are different, or other potential association relationships.

After the step (3), the method provided by the embodiment of the present invention may further include the following step (4):

(4) the server receives an auditing request of any object, and outputs the numerical flow information of the object, the numerical flow information of the object having an association relation with the object and the numerical flow information of the object having an association relation with the object. And the auditing request is used for auditing the numerical value flow information of the object.

And the target group of the first terminal or the target business number of the second terminal can be the object, and an auditing request is sent to the server so as to obtain corresponding numerical value flow information, numerical value flow information of the object having an association relation with the object and numerical value flow information of the object having a potential association relation with the object.

For example, the first terminal sends an audit request based on a logged-in target group, when receiving the audit request sent by the first terminal, the server sends the numeric flow information of the target group, the numeric flow information of the merchant number and the numeric flow information of the account, which have an association relationship with the target group, to the first terminal, and also sends the numeric flow information of the merchant number, which may have an association relationship with the target group, and the numeric flow information of the account, which may have an association relationship with the target group, to the first terminal.

In a possible implementation manner, when the server receives an audit request of any one object, the server screens a plurality of pieces of numerical flow information stored in the server to obtain numerical flow information related to the object, and outputs the numerical flow information related to the object and the numerical flow information of the object having an association relationship with the object, where the object having an association relationship with the object includes an object that has actually undergone resource transfer and an object having a potential association relationship.

Regarding the audit request, in a possible implementation manner, in order to ensure privacy of the value flow direction information, each object may set an audit password corresponding to the audit request, and only when the audit password is correct, the audit request may be sent to the server, and the value flow direction information of the object having an association relationship with the object sent by the server are received. When the verification code is wrong, a verification request cannot be sent to the server, or the verification request can be sent to the server, but the server does not perform query according to the verification request, and does not output the numerical flow information of the object and the numerical flow information of the object having the association relation with the object.

The method for acquiring the value flow information of the object and the value flow information of the object having an association relation with the object by sending an application request by the object can improve the authenticity of the information, assist a checking authority to obtain more information, immediately discover whether the object has illegal behaviors or illegal behaviors in the aspect of resource transfer, for example, assist the checking authority to investigate and obtain evidence, immediately discover fund fraud, tax evasion and carry out illegal criminal behaviors through a wallet company, and avoid the occurrence of the behaviors and the atmosphere of society.

Moreover, the method can help the objects to comb the relationship among each other and the possible relationship, and assist the enterprise to inquire the possible fund problem.

For example, when the business administration department investigates enterprise a, it may initiate an audit request for enterprise a to the server, and obtain the fund flow direction of enterprise a and the fund flow direction information of the enterprise or account that has an association relationship with enterprise a and is output by the server, and when it is found that enterprise B has the fund flow direction information that is very similar to enterprise a but does not have an association relationship between two enterprises, it may consider that enterprise a has a potential association relationship with enterprise B, that is, enterprise a performs illegal activities, tax evasion activities, or other activities through enterprise B. In the process of investigating enterprise a, the subsequent business administration department can simultaneously investigate enterprise B based on the potential association relationship.

In the method provided by the embodiment of the invention, the first terminal sends a resource transfer request to the server to request the server to transfer the resource value target account with the first numerical value from the target business number, the server performs verification according to the preset relational database, when the target group and the target business number are determined to have the association relationship, the resource with the first numerical value is transferred from the target business number to the target business number, and the first terminal and the second terminal for logging in the target business number are notified. In the method provided by the embodiment of the invention, each group can have a plurality of associated business numbers, and the group can transfer resources based on any business number in the business numbers, thereby expanding the resource transfer mode and expanding the application range of resource transfer.

Regarding the specific application scenario of the resource transfer method in the foregoing embodiment, in one possible implementation manner, a scenario in which the enterprise administrator sends a red packet to the enterprise employee, in another possible implementation manner, a scenario in which the enterprise administrator pays the enterprise employee, and in another possible implementation manner, a scenario in which the enterprise administrator pays the employee can be provided, so that the requirement related to the enterprise-level fund transfer scenario can be met to a great extent and conveniently. In another possible implementation, the resource transfer may be related to other scenarios.

Referring to fig. 3, for example, the group is a business, the payment interface of the business includes payment capabilities and corresponding payment applications, and the administrator of the business can perform resource transfer based on different payment capabilities or different payment applications in the payment interface. The payment capability includes an external payment capability, an employee payment capability, and an employee red envelope capability, and the payment application includes an external payment, an employee payment, and an employee red envelope capability.

Referring to fig. 4, the scenario in which the enterprise administrator sends a red bundle to the enterprise employee may specifically include the following steps:

1. the enterprise administrator performs a red packet sending operation based on the enterprise account number logged in by the first terminal, and the first terminal sends a red packet sending request to the server, so as to request the server to transfer a resource transfer packet with a first numerical value to the account of the enterprise employee from the merchant number which is logged in by the second terminal and has an association relationship with the enterprise account number.

2. And the server checks according to the preset relationship and determines whether the target enterprise and the target merchant number have an association relationship.

3. If the target enterprise and the target merchant number have an association relationship, the verification is successful, and the server obtains a resource transfer package of a first numerical value from the target merchant number.

4. The server transfers the resource transfer package of the first value from the target merchant number.

5. The server detects whether enterprise employees carry out the red envelope getting operation.

6. And when the server detects the red envelope getting operation of the enterprise staff, transferring the resource with a second numerical value to the enterprise staff, wherein the second numerical value is not larger than the first numerical value.

7. And the server informs the first terminal of completing the red package sending to the enterprise staff.

8. If the target enterprise and the target merchant number do not have the association relationship, the verification fails, and the server ignores the red packet request.

It should be noted that, after step 2, step 3-7 or step 8 may be determined to be performed according to the verification result. And when the enterprise sends the red envelope to the enterprise staff, the red envelope can be a common red envelope or a greeting card red envelope. Regarding the red packet mode, the red packet mode can be through an interface red packet mode, a page red packet mode, a document red packet mode, an approval program mode and a red packet mode after approval is passed.

Referring to fig. 5, a scenario in which a business administrator pays a business employee may specifically include the following steps:

1. the enterprise administrator carries out payment operation based on the enterprise account logged in by the first terminal, and the first terminal sends a payment request to the server, so as to request the server to transfer the resource with the first value to the account of the enterprise employee from the merchant number which is logged in by the second terminal and has an association relationship with the enterprise account.

3. If the target enterprise and the target merchant number have an association relationship, the verification is successful, and the server acquires resources of a first value from the target merchant number.

4. The server transfers the first value of the resource from the target merchant number to the account of the employee of the enterprise.

5. The server notifies the first terminal that payment to the employee of the enterprise is complete.

6. If the target enterprise and the target merchant number do not have the association relationship, the verification fails, and the server ignores the payment request.

It should be noted that, after step 2, step 3-5 or step 6 may be determined to be performed according to the verification result.

Referring to fig. 6, a scenario in which the enterprise administrator collects money from the enterprise employee may specifically include the following steps:

1. the enterprise administrator carries out payment operation based on the enterprise account logged in by the first terminal, and the first terminal sends a payment receiving request to the server to request the server to transfer the resources with the first numerical value from the account of the enterprise employee to the merchant number which is logged in by the second terminal and has an association relation with the enterprise account.

3. If the target enterprise and the target merchant number have an association relationship, the verification is successful, and the server returns a payment receiving notice to the enterprise staff to inform the enterprise staff to pay the enterprise administrator.

4. When a payment operation by the employee of the enterprise is detected, the server transfers the resource of the first value from the account of the employee of the enterprise.

5. The server transfers the resource of the first value to the target merchant number.

6. The server informs the first terminal that the collection of the money to the enterprise employee is completed.

7. If the target enterprise and the target merchant number do not have the association relationship, the verification fails, and the server ignores the payment receiving request.

It should be noted that step 2 may be followed by determining to execute step 3-6 or step 7 according to the verification result.

When there is an association relationship between the group and the business number, the resource can be transferred successfully, so in order to facilitate the group to manage the resource, the association relationship between the group and the business number needs to be established in advance. Fig. 7 is an interaction flowchart of an association relationship establishing method according to an embodiment of the present invention. The interaction subject of the embodiment of the present invention is the first terminal, the second terminal, and the server shown in fig. 1, and a process of establishing an association relationship between a target group and a target business number is described. Referring to fig. 7, the method includes:

701. and the second terminal sends an association request to the server based on the target merchant number logged in by the merchant number application client.

And the second terminal logs in a merchant number application client installed on the second terminal based on the target merchant number and displays the merchant number interface. When the second terminal detects the trigger operation of the association request, the group corresponding to the trigger operation is obtained, the group is used as a target group to be associated, and the association request is sent to the server, wherein the association request carries the target group and the target business number and is used for requesting to establish an association relationship between the target group and the target business number.

Referring to fig. 8, in a possible implementation manner, an input box is provided on a merchant number interface displayed after a target merchant number logs in a merchant number application client, a user may input a group identifier of a group to be associated in the input box, where the group identifier may be a group account number, a group nickname, or the like, and after the group identifier is input, the user may click an association button.

When detecting the triggering operation of the association button, the second terminal acquires the group identifier and the target business number input by the user, determines the group corresponding to the group identifier as a target group, and sends an association request carrying the target group and the target business number to the server.

In another possible implementation manner, a plurality of groups to be selected are displayed on a merchant number interface displayed after the second terminal logs in the merchant number application client based on the target merchant number, and when the selection operation of the user on any group is detected, the any group is determined as the target group. And the second terminal sends an association request carrying the target group and the target business number to the server.

702. The server receives the association request of the second terminal, and updates the request list based on the association request.

When the server receives an association request sent by the second terminal, the association request is stored, and the request list is updated according to the association request to obtain an updated request list, wherein the request list is related to the target group and comprises a plurality of association requests for requesting to establish an association relationship with the target group.

In a possible implementation manner, in addition to the association list, the server further stores a plurality of request lists, each request list includes a plurality of association requests for requesting establishment of association with a corresponding group, and each association request carries a corresponding group and a merchant number.

After updating the request list based on the association request, the server transmits the updated request list to the first terminal.

In a possible implementation manner, the first terminal sends a list acquisition request to the server to acquire a request list including a plurality of association requests, and when the server receives the list acquisition request sent by the first terminal, the updated request list is sent to the first terminal. And after receiving the updated request list sent by the server, the first terminal displays the updated request list on a display interface of the first terminal.

703. And when the first terminal detects that the association request of the second terminal agrees to the association triggering operation, sending an association determining instruction to the server.

And displaying a plurality of association requests in the request list on a display interface of the first terminal, wherein each association request comprises a target business number and other business numbers for requesting to establish an association relationship with the target group.

Referring to fig. 9, regarding a display manner of the request list, in a possible implementation manner, the request list includes a plurality of association requests, each association request includes a merchant number, a request time, a type of the merchant number, and an association option, where the association option may include "approve", "reject", and "ignore", and after the user logs in the group management client of the first terminal based on the target group, the user may perform a trigger operation on any option in the association options, or may only view the request list without operating any association request in the request list.

When the first terminal detects that the association request of the second terminal agrees to the association triggering operation, sending an association determining instruction to the server, wherein the association determining instruction is used for indicating the server to establish an association relationship between a target group of the first terminal and a target business number of the second terminal.

704. And when the server receives the association determining instruction of the first terminal, establishing an association relationship between the target group and the target business number.

When receiving a correlation determining instruction sent by the first terminal aiming at any correlation request, the server determines a business number corresponding to any correlation instruction, and establishes a correlation between the business number and the target group.

When any one of the association instructions is an association instruction sent by the second terminal based on the target merchant number login merchant number application client, the server establishes an association relationship between the target group and the target merchant number, at this time, the target group and the target merchant number are associated with each other, and the target group can perform resource management based on the target merchant number, including transferring resources to the target merchant number and transferring resources from the target merchant number to other accounts.

After the server establishes the association relationship between the target group and the target merchant number, in a possible implementation manner, the server stores the association relationship in a preset relationship library so as to perform query and verification according to the preset relationship library when subsequently receiving a resource transfer request.

705. The server sets the state of the association request sent by the second terminal to be a first state, sends the first state to the first terminal and sends a first association result to the second terminal.

When the server establishes the association relationship between the target group and the target business number, the state of the association request sent by the second terminal is set to be a first state, and the first state represents that the association request sent by the second terminal passes through and the association relationship between the target group and the target business number is established.

The server sends the first state to the first terminal, informs the first terminal that the server has established an association between the target group and the target business number, and the subsequent target group can perform resource management based on the target business number.

The server sends a first association result to the second terminal, the first association result is that the target group agrees to establish an association relationship so as to inform that an association request sent by the second terminal is agreed by the target group, and the server establishes an association relationship between the target group and the target business number, and the target group and the target business number are associated with each other.

706. The first terminal receives the first state sent by the server and displays the first state.

And when the first terminal receives the first state sent by the server, displaying the first state on a display interface of the first terminal.

707. And the second terminal receives the first association result sent by the server and displays the first association result.

When the second terminal receives the first association result sent by the server, the first association result is displayed, and the user of the second terminal can know that the association request sent by the second terminal is approved by the target group based on the first association result, and at this time, the association relationship between the target group and the target business number is established.

Referring to fig. 10, for example, when the second terminal receives the first association result, the first association result "association request has passed | is displayed on the display interface! ".

708. And when the first terminal detects the association rejection triggering operation of the association request of the second terminal, sending an association rejection instruction to the server.

When the first terminal detects the association rejection triggering operation of the association request of the second terminal, sending an association rejection instruction to the server, wherein the association rejection instruction is used for rejecting the server to establish the association relationship between the target group of the first terminal and the target business number of the second terminal.

709. The server ignores the association request of the second terminal, sets the state of the association request to be a second state, sends the second state to the first terminal, and sends a second association result to the second terminal.

And when receiving a correlation rejection instruction sent by the first terminal aiming at any correlation request, the server ignores the any request.

When any association instruction is an association instruction sent by the second terminal based on the target merchant number login merchant number application client, the server ignores the association instruction, at this time, no association relationship is established between the target group and the target merchant number, and the target group cannot perform resource management based on the target merchant number.

And when the server ignores the association request sent by the second terminal, setting the state of the association request sent by the second terminal as a second state, wherein the second state represents that the association request sent by the second terminal is rejected.

The server sends the second state to the first terminal to inform the first terminal that the server ignores the association request sent by the second terminal, and the subsequent target group can not perform resource management based on the target business number.

The server sends a second association result to the second terminal, and the second association result is used for refusing to establish an association relationship for the target group so as to inform that the association request sent by the second terminal is refused by the target group.

710. And the first terminal receives the second state sent by the server and displays the second state.

And when the first terminal receives the second state sent by the server, displaying the second state on a display interface of the first terminal.

In one possible implementation manner, the display interface of the first terminal may display the status of a plurality of association requests, including the association request granted by the target group and the association request rejected. The state of the association request granted by the first terminal is a first state, and the state of the association request rejected by the first terminal is a second state.

In another possible implementation manner, the display interface of the first terminal further includes, in addition to the association request granted by the target group and the rejected association request, an association request ignored by the target group, and the state of the association request is a third state.

Referring to fig. 11, the display interface of the first terminal includes three association requests, which are an association request a sent by a merchant number a, an association request B sent by a merchant number B, and an association request C sent by a merchant number C. The target group agrees with the association request a sent by the merchant number a, rejects the association request B sent by the merchant number B, and ignores the association request C sent by the merchant number C, and then the states of the association request a, the association request B, and the association request C are respectively "passed", "rejected", and "ignored".

711. And the second terminal receives a second association result sent by the server and displays the second association result.

And when the second terminal receives the second association result sent by the server, the second association result is displayed, and a user of the second terminal can know that the association request sent by the second terminal is rejected by the target group based on the second association result, so that the target group can not perform resource management based on the target business number.

Referring to fig. 12, for example, when the second terminal receives the second association result, the second association result is displayed on the display interface as "association request failed |)! ".

In another possible implementation manner, the second terminal may also display the sent association requests and the status of each association request based on the registered target merchant number, and may include at least one of an association request that has been approved by the other party, an association request that has been rejected by the other party, an association request that has been ignored by the other party, or an association request that has not been responded to by the other party.

After the target merchant number establishes an association with the target group, the association may also be released in one possible implementation. The method for releasing the association relationship may be that the first terminal sends a relationship release request to the server based on the registered target group or the second terminal based on the registered target merchant number, and the server deletes the association relationship between the two in the preset relationship library according to the relationship release request, and at this time, the association relationship is released; the method for releasing the association relationship may also be that the first terminal starts a manual service function based on the logged-in target group or the second terminal starts a manual service function based on the logged-in target merchant number, and the association relationship between the two is released by the background technician.

When the server releases the association relation according to the relation release request, the server may obtain the agreement of the requested party first, or may not need to obtain the agreement of the requested party, and the specific mode is not limited.

Referring to fig. 13 and fig. 14, each group may establish a one-to-one association relationship with only one business number, or may establish an association relationship with a plurality of business numbers, and similarly, each business number may also establish an association relationship with one or more groups. When any group in the plurality of groups has an association relationship with the plurality of business numbers and each business number in the plurality of business numbers also has an association relationship with the plurality of groups respectively, the plurality of groups and the plurality of business numbers can form a many-to-many association relationship. Based on many-to-many incidence relation, resource management can be facilitated, and the effect of resource management is improved.

For example, a cooperation project is performed between an enterprise a and an enterprise B, the two enterprises have a commonly associated business number C, and both the enterprises can perform resource management on the cooperation project based on the business number C without performing resource management on the basis of different business numbers of the enterprise a and the enterprise B, so that the complexity of performing resource management on each enterprise is avoided, and the management efficiency is improved.

Referring to fig. 15, after the target group and the target business number establish an association relationship, in a possible implementation manner, a user may check a group function in a "business number interface — my product" of the target business number, and enter the group by clicking a group function button, so as to implement entering the group in the business number interface to implement each function of the group.

It should be noted that, after the server updates the request list in the step 702, the step 703 and the step 708 are determined to be executed according to the triggering operation of the association request for the second terminal detected by the first terminal, when the first terminal detects the association triggering operation of the association request for the second terminal, the step 703 and the step 707 are executed, and when the first terminal detects the association triggering operation of the association request for the second terminal, the step 708 and the step 711 are executed.

Regarding the process of establishing the association relationship between the target group and the target merchant number, in another possible implementation manner, the target group may send an authorization notification to the target merchant number to notify that the target merchant number may establish the association relationship with the target group. When the second terminal sends an association request to the server based on the logged-in target business number, the server can establish the association relationship between the target business number and the target group.

In the method provided by the embodiment of the invention, the second terminal sends an association request to the server based on the target business number which is logged in so as to request to establish an association relationship with the target group which is logged in by the first terminal, the server sends a request list to the first terminal, when the first terminal agrees with the association request sent by the second terminal, the server establishes the association relationship between the target group and the target business number so that the target group can perform resource management based on the target business number, through establishing the association relationship among a plurality of groups and a plurality of business numbers, one business number can perform resource management based on a plurality of business numbers, the plurality of groups can also perform resource management based on a common business number, the resource management mode is expanded, the application range of the resource management is expanded, and the effect of the resource management is improved.

Fig. 16 is a schematic structural diagram of a resource transfer apparatus according to an embodiment of the present invention, and referring to fig. 16, the apparatus includes:

a transfer request receiving module 1601, configured to perform the step of receiving a resource transfer request of the first terminal in the foregoing embodiment;

a verification module 1602, configured to perform a step of verifying the target group and the target merchant number according to the preset relationship library in the foregoing embodiment;

a transferring module 1603, configured to perform the step of transferring the resource with the first value from the target merchant number to the target account when it is determined that the target group and the target merchant number have an association relationship and the resource transferring request meets a preset condition in the above embodiment;

a transfer notification sending module 1604, configured to execute the step of sending a transfer completion notification to the first terminal and the second terminal in the foregoing embodiment.

Optionally, the apparatus further comprises:

an association request receiving module, configured to perform the step of receiving an association request of a second terminal in the foregoing embodiment;

the first establishing module is configured to perform a step of establishing an association relationship between the target group and the target merchant number when the association determining instruction of the first terminal is received in the foregoing embodiment.

Optionally, the apparatus further comprises:

an update module, configured to perform a step of updating the request list based on the association request in the foregoing embodiment;

the list sending module is configured to execute the step of sending the updated request list to the first terminal when the list obtaining request of the first terminal is received in the foregoing embodiment.

Optionally, the apparatus further comprises:

a first state setting module, configured to perform the step of setting the state of the association request to a first state and sending the first state to the first terminal in the foregoing embodiment;

and a first association result sending module, configured to execute the step of sending the first association result to the second terminal in the foregoing embodiment.

Optionally, the apparatus further comprises:

an ignoring module, configured to perform a step of ignoring an association request of a second terminal when receiving a rejection association instruction of a first terminal in the foregoing embodiment;

a second state setting module, configured to perform the step of setting the state of the association request to the second state and sending the second state to the first terminal in the foregoing embodiment;

and a second association result sending module, configured to execute the step of sending the second association result to the second terminal in the foregoing embodiment.

Optionally, the apparatus further comprises:

and the storage module is used for executing the step of storing the association relation into the preset relation library in the embodiment.

Optionally, the apparatus further comprises:

a generating module, configured to perform the step of generating numerical flow information in the above embodiment;

the query module is used for executing the step of querying the preset relational database according to the numerical value flow direction information to obtain the target object;

and the second establishing module is used for executing the step of establishing the potential association relationship between the target object and the target group, the target business number of the second terminal or the target account in the preset relationship library in the embodiment.

Optionally, the apparatus further comprises:

an audit request receiving module, configured to execute the step of receiving an audit request of any object in the foregoing embodiment;

and the output module is used for executing the steps of outputting the numerical value flow information of the object, the numerical value flow information of the object having the association relation with the object and the numerical value flow information of the object having the potential association relation with the object in the embodiment.

Optionally, the apparatus further comprises:

and the verification result sending module is used for executing the step of sending the verification result to the first terminal in the embodiment.

Optionally, the transfer module comprises:

a first transferring unit, configured to perform, when it is determined that the target group and the target merchant number have an association relationship, a step of transferring a resource transfer package of a first value from the target merchant number to an intermediate account;

and the second transfer unit is used for executing the step of transferring the resource with the second value from the intermediate account to any account when the pickup operation of any account in the plurality of accounts on the resource transfer package is detected.

Fig. 17 is a schematic structural diagram of a resource transfer apparatus according to an embodiment of the present invention, and referring to fig. 17, the apparatus includes:

a group login module 1701 for executing the steps of logging in the group management client based on the group identifier of the target group in the above embodiment;

a transfer request sending module 1702, configured to execute the step of sending the resource transfer request to the server in the foregoing embodiment;

a notification receiving module 1703, configured to perform the step of receiving a transfer completion notification of the server when the target group and the target merchant number have an association relationship in the foregoing embodiment;

a notification display module 1704, configured to perform the steps of displaying the transfer completion notification in the foregoing embodiments.

Optionally, the apparatus further comprises:

and the determining instruction sending module is used for sending the determining association instruction to the server when detecting that the association request of the second terminal agrees with the association triggering operation in the embodiment.

Optionally, the apparatus further comprises:

a list obtaining module, configured to perform a step of sending a list obtaining request to a server to obtain a request list including multiple association requests for requesting establishment of an association relationship with a target group in the above embodiment;

a list receiving module, configured to perform the step of receiving the updated request list of the server in the foregoing embodiment;

and the list display module is used for executing the step of displaying the updated request list in the embodiment.

Optionally, the apparatus further comprises:

a first state receiving module, configured to perform the step of receiving the first state sent by the server in the foregoing embodiment;

and the first state display module is used for executing the step of displaying the first state in the embodiment.

Optionally, the apparatus further comprises:

a rejection instruction sending module, configured to execute the step of sending a rejection association instruction to the server when a rejection association triggering operation of the association request to the second terminal is detected in the foregoing embodiment;

a second state receiving module, configured to perform the step of receiving the second state sent by the server in the foregoing embodiment;

and the second state display module is used for executing the step of displaying the second state in the embodiment.

Optionally, the apparatus further comprises:

a verification result receiving module, configured to perform the step of receiving the verification result of the server in the foregoing embodiment;

and the verification result display module is used for executing the step of displaying the verification result in the embodiment.

Fig. 18 is a schematic structural diagram of a resource transfer apparatus according to an embodiment of the present invention, and referring to fig. 18, the apparatus includes:

a merchant number login module 1801, configured to perform a step of logging in a merchant number application client based on a target merchant number in the foregoing embodiment;

a notification receiving module 1802, configured to execute the step of receiving a transfer completion notification of the server when the target group of the first terminal sends, to the server, a resource transfer request for requesting transfer of the resource of the first value from the target merchant number to the target account, and the target group and the target merchant number have an association relationship;

a notification display module 1803, configured to execute the step of displaying the transfer completion notification in the foregoing embodiment.

Optionally, the apparatus further comprises:

and the association request sending module is used for executing the step of sending the association request to the server in the embodiment.

Optionally, the apparatus further comprises:

a first association result receiving module, configured to perform the step of receiving a first association result of the server when the target group agrees to establish an association relationship between the target group and the target merchant number in the foregoing embodiment;

and the first association result display module is used for executing the step of displaying the first association result in the embodiment.

Optionally, the apparatus further comprises:

a second association result receiving module, configured to perform the step of receiving a second association result of the server when the target group rejects establishment of an association relationship between the target group and the target merchant number in the foregoing embodiment;

and the second correlation result display module is used for executing the step of displaying the second correlation result in the embodiment.

It should be noted that: in the resource transfer device provided in the foregoing embodiment, when transferring resources, only the division of the functional modules is illustrated, and in practical applications, the function allocation may be completed by different functional modules according to needs, that is, the internal structure of the processing device 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. 19 is a block diagram illustrating a terminal 1900 according to an exemplary embodiment of the present invention. The terminal 1900 may be a portable mobile terminal such as: 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, a desktop computer, a head-mounted device, or any other intelligent terminal. Terminal 1900 may also be referred to by other names such as user equipment, portable terminal, laptop terminal, desktop terminal, and so on.

Generally, terminal 1900 includes: a processor 1901 and a memory 1902.

The processor 1901 may include one or more processing cores, such as a 4-core processor, an 8-core processor, and so forth. The processor 1901 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 1901 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 1901 may be integrated with a GPU (Graphics Processing Unit), which is responsible for rendering and drawing the content required to be displayed by the display screen. In some embodiments, the processor 1901 may further include an AI (Artificial Intelligence) processor for processing computing operations related to machine learning.

The memory 1902 may include one or more computer-readable storage media, which may be non-transitory. The memory 1902 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 the memory 1902 is used to store at least one instruction for the processor 1901 to implement the resource transfer methods provided by the method embodiments of the present application.

In some embodiments, terminal 1900 may further optionally include: a peripheral interface 1903 and at least one peripheral. The processor 1901, memory 1902, and peripheral interface 1903 may be connected by bus or signal lines. Various peripheral devices may be connected to peripheral interface 1903 via a bus, signal line, or circuit board. Specifically, the peripheral device includes: at least one of a radio frequency circuit 1904, a display screen 1905, a camera assembly 1906, an audio circuit 1907, a positioning assembly 1908, and a power supply 1909.

The peripheral interface 1903 may be used to connect at least one peripheral associated with an I/O (Input/Output) to the processor 1901 and the memory 1902. In some embodiments, the processor 1901, memory 1902, and peripherals interface 1903 are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor 1901, the memory 1902, and the peripheral interface 1903 may be implemented on separate chips or circuit boards, which is not limited in this embodiment.

The Radio Frequency circuit 1904 is used for receiving and transmitting RF (Radio Frequency) signals, also called electromagnetic signals. The radio frequency circuit 1904 communicates with a communication network and other communication devices via electromagnetic signals. The rf circuit 1904 converts an electrical signal into an electromagnetic signal to transmit, or converts a received electromagnetic signal into an electrical signal. Optionally, the radio frequency circuit 1904 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 1904 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 8G), Wireless local area networks, and/or WiFi (Wireless Fidelity) networks. In some embodiments, the radio frequency circuit 1904 may further include NFC (Near Field Communication) related circuits, which are not limited in this application.

The display screen 1905 is used to display a UI (User Interface). The UI may include graphics, text, icons, video, and any combination thereof. When the display screen 1905 is a touch display screen, the display screen 1905 also has the ability to capture touch signals on or above the surface of the display screen 1905. The touch signal may be input to the processor 1901 as a control signal for processing. At this point, the display 1905 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, display 1905 may be one, providing the front panel of terminal 1900; in other embodiments, the displays 1905 can be at least two, each disposed on a different surface of the terminal 1900 or in a folded design; in still other embodiments, display 1905 can be a flexible display disposed on a curved surface or on a folding surface of terminal 1900. Even more, the display 1905 may be arranged in a non-rectangular irregular figure, i.e., a shaped screen. The Display 1905 may be made of LCD (Liquid Crystal Display), OLED (Organic Light-Emitting Diode), or the like.

The camera assembly 1906 is used to capture images or video. Optionally, camera assembly 1906 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 head assembly 1906 may also include a flash. The flash lamp can be a monochrome temperature flash lamp or a bicolor temperature flash lamp. The double-color-temperature flash lamp is a combination of a warm-light flash lamp and a cold-light flash lamp, and can be used for light compensation at different color temperatures.

The audio circuitry 1907 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 into the processor 1901 for processing, or inputting the electric signals into the radio frequency circuit 1904 for realizing voice communication. The microphones may be provided in a plurality, respectively, at different locations of the terminal 1900 for stereo sound capture or noise reduction purposes. 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 1901 or the radio frequency circuitry 1904 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 1907 may also include a headphone jack.

The positioning component 1908 is configured to locate a current geographic location of the terminal 1900 for navigation or LBS (location based Service). The positioning component 1908 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 1909 is used to provide power to the various components in terminal 1900. The power source 1909 can be alternating current, direct current, disposable batteries, or rechargeable batteries. When power supply 1909 includes a rechargeable battery, the rechargeable battery may support wired or wireless charging. The rechargeable battery may also be used to support fast charge technology.

In some embodiments, terminal 1900 also includes one or more sensors 1910. The one or more sensors 1910 include, but are not limited to: acceleration sensor 1911, gyro sensor 1912, pressure sensor 1913, fingerprint sensor 1914, optical sensor 1915, and proximity sensor 1916.

Acceleration sensor 1911 may detect the magnitude of acceleration in three coordinate axes of the coordinate system established with terminal 1900. For example, the acceleration sensor 1911 may be used to detect components of the gravitational acceleration in three coordinate axes. The processor 1901 may control the display screen 1905 to display a user interface in a landscape view or a portrait view according to the gravitational acceleration signal collected by the acceleration sensor 1911. The acceleration sensor 1911 may also be used for acquisition of motion data of a game or a user.

The gyro sensor 1912 may detect a body direction and a rotation angle of the terminal 1900, and the gyro sensor 1912 may collect a 3D motion of the user on the terminal 1900 in cooperation with the acceleration sensor 1911. From the data collected by the gyro sensor 1912, the processor 1901 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 sensor 1913 may be disposed on a side bezel of terminal 1900 and/or underlying display 1905. When the pressure sensor 1913 is disposed on the side frame of the terminal 1900, the user can detect a grip signal of the terminal 1900, and the processor 1901 can perform right-left hand recognition or shortcut operation based on the grip signal collected by the pressure sensor 1913. When the pressure sensor 1913 is disposed at a lower layer of the display 1905, the processor 1901 controls the operability control on the UI interface according to the pressure operation of the user on the display 1905. 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 1914 is configured to collect a fingerprint of the user, and the processor 1901 identifies the user according to the fingerprint collected by the fingerprint sensor 1914, or the fingerprint sensor 1914 identifies the user according to the collected fingerprint. Upon recognizing that the user's identity is a trusted identity, the user is authorized by the processor 1901 to have associated sensitive operations including unlocking the screen, viewing encrypted information, downloading software, paying for and changing settings, etc. Fingerprint sensor 1914 may be disposed on a front, back, or side of terminal 1900. When a physical button or vendor Logo is provided on terminal 1900, fingerprint sensor 1914 may be integrated with the physical button or vendor Logo.

The optical sensor 1915 is used to collect the ambient light intensity. In one embodiment, the processor 1901 may control the display brightness of the display screen 1905 based on the ambient light intensity collected by the optical sensor 1915. Specifically, when the ambient light intensity is high, the display brightness of the display screen 1905 is increased; when the ambient light intensity is low, the display brightness of the display screen 1905 is adjusted down. In another embodiment, the processor 1901 may also dynamically adjust the shooting parameters of the camera assembly 1906 according to the intensity of the ambient light collected by the optical sensor 1915.

Proximity sensor 1916, also referred to as a distance sensor, is typically disposed on the front panel of terminal 1900. Proximity sensor 1916 is used to gather the distance between the user and the front face of terminal 1900. In one embodiment, when proximity sensor 1916 detects that the distance between the user and the front surface of terminal 1900 gradually decreases, processor 1901 controls display 1905 to switch from the bright screen state to the dark screen state; when proximity sensor 1916 detects that the distance between the user and the front surface of terminal 1900 gradually becomes larger, processor 1901 controls display 1905 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. 19 is not intended to be limiting of terminal 1900 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. 20 is a schematic structural diagram of a server according to an embodiment of the present invention, where the server 2000 may generate a relatively large difference due to a difference in configuration or performance, and may include one or more processors (CPUs) 2001 and one or more memories 2002, where the memory 2002 stores at least one instruction, and the at least one instruction is loaded and executed by the processor 2001 to implement the methods provided by 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.

The server 2000 may be configured to perform the steps performed by the resource transfer apparatus in the resource transfer method.

An embodiment of the present invention further provides a resource transfer apparatus, where the apparatus includes a processor and a memory, where the memory stores at least one instruction, at least one section of a program, a code set, or an instruction set, and the instruction, the program, the code set, or the instruction set is loaded by the processor and has an operation performed in the resource transfer method for implementing the foregoing embodiment.

An embodiment of the present invention further provides a computer-readable storage medium, in which at least one instruction, at least one program, a code set, or a set of instructions is stored, and the instruction, the program, the code set, or the set of instructions is loaded by a processor and has an operation performed in the resource transfer method to implement the foregoing embodiment.

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, where 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 description is only a preferred embodiment of the present invention, and should not be taken as limiting the invention, and any modifications, equivalents, improvements, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

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

2. The method of claim 1, wherein before receiving the resource transfer request of the first terminal, the method further comprises:

3. The method of claim 1, wherein after the transferring the first value of the resource from the target merchant number to the target account, the method further comprises:

4. The method of claim 1, further comprising:

and outputting the numerical flow information of the object and the numerical flow information of the object having the potential association relation with the object.

5. The method according to claim 1, wherein after the target group and the target merchant number are verified according to a preset relational library, the method further comprises:

6. A resource transfer method is applied to a first terminal, the first terminal is provided with a group management client, and the method comprises the following steps:

displaying the transfer completion notification.

7. A resource transfer method is applied to a second terminal, wherein a merchant number application client is installed on the second terminal, and the method comprises the following steps:

displaying the transfer completion notification.

8. A resource transfer apparatus applied to a server, the apparatus comprising:

9. An apparatus for resource transfer, applied to a first terminal, the apparatus comprising:

10. An apparatus for resource transfer, applied to a second terminal, the apparatus comprising: