CN112036887A - Method, device, device and storage medium for resource transfer - Google Patents

Abstract

The present application discloses a method, apparatus, device and storage medium for resource transfer, which belong to the technical field of the Internet. The method includes: obtaining the resource transfer quantity based on the resource transfer request of the first resource account of the target object; determining the quantity of the first resource to be locked in the second resource account of the target object according to the resource transfer quantity; The number of resources does not exceed the reference number, and the first resource to be locked is locked; in response to the successful locking, the second resource in the resource account of the third party is transferred to the first resource account of the target object; in response to the resource transfer result is If the resource transfer is successful, the locked first resource is unlocked, and the unlocked first resource is transferred to the third-party resource account. In the entire resource transfer process, even if the resource transfer cycle is long, it will not cause the loss of additional resources, ensuring that the resources of the target object are not damaged, improving the effect of resource transfer, and improving user experience.

Description

Method, device, device and storage medium for resource transfer

technical field

The embodiments of the present application relate to the field of Internet technologies, and in particular, to a method, apparatus, device, and storage medium for resource transfer.

Background technique

With the development of society and the continuous progress of science and technology, there are more and more ways of resource transfer. Resources between different accounts can be transferred to each other. For example, taking resources as funds as an example, the funds in the savings card account can be transferred to the credit card account for credit card repayment.

In the related art, in the process of the third party transferring resources to the user's first resource account, the resources of the user's second resource account are first transferred to the third-party resource account, and then the resources in the third-party resource account are transferred to the user. The first resource account of . For example, when a third-party merchant helps a user to repay a credit card, the user's funds are first redeemed, the redemption funds are transferred to the account of the third-party merchant, and then the funds in the third-party merchant's account are transferred. Pay to the user's credit card account.

In the process of realizing this application, the inventor found that the related art has at least the following problems:

In the related art, the resources of the user's second resource account are first transferred to the third-party resource account, and then the resources in the third-party resource account are transferred to the user's first resource account. When the period of resource transfer is long, transferring the resources of the user's second resource account to the third-party resource account in advance may result in the loss of some additional resources.

SUMMARY OF THE INVENTION

Embodiments of the present application provide a method, apparatus, device, and storage medium for resource transfer, which can be used to solve problems in related technologies. The technical solution is as follows:

On the one hand, an embodiment of the present application provides a method for resource transfer, the method comprising:

Obtain the resource transfer quantity based on the resource transfer request of the first resource account of the target object;

determining the number of the first resources to be locked in the second resource account of the target object according to the number of resource transfers;

In response to the number of the first resources to be locked does not exceed the reference number, the first resources to be locked are locked, and the locked first resources can generate additional additional resources but cannot be transferred;

In response to the successful locking, transfer the second resource in the resource account of the third party to the first resource account of the target object, and the quantity of the second resource corresponds to the quantity of the first resource;

In response to the resource transfer result being that the resource transfer is successful, the locked first resource is unlocked, and the unlocked first resource is transferred to the resource account of the third party.

Optionally, after transferring the second resource in the resource account of the third party to the first resource account of the target object, the method further includes:

In response to the resource transfer result being a resource transfer failure, when the number of resource transfer failures exceeds a threshold range, the locked first resource is unlocked.

Optionally, after transferring the second resource in the resource account of the third party to the first resource account of the target object, the method further includes:

In response to the resource transfer result being a resource transfer failure, when the number of resource transfer failures does not exceed the threshold, continue to perform the transfer of the second resource in the third-party resource account to the first resource account of the target object until the resource is transferred. The transfer result is that the resource transfer succeeds or the number of times the resource transfer fails exceeds the threshold.

Optionally, the unlocking of the locked first resource includes:

The state of the locked first resource is restored to a state that can generate additional additional resources and can be transferred.

Optionally, the transferring the second resource in the resource account of the third party to the first resource account of the target object includes:

The second resource in the resource account of the third party is transferred to a transfer platform, and the transfer platform is used for transferring the second resource in the resource account of the third party to the first resource account of the target object.

Optionally, before obtaining the resource transfer quantity based on the resource transfer request of the first resource account of the target object, the method further includes:

Perform authentication based on the resource transfer request of the resource account of the target object, where the resource transfer request includes authentication information;

In response to passing the authentication, displaying a list of resource accounts of the target object;

In response to the first resource account of the target object being in the list of resource accounts of the target object, the resource transfer request of the first resource account of the target object is acquired based on the selection instruction of the first resource account of the target object.

Optionally, before obtaining the resource transfer quantity based on the resource transfer request of the first resource account of the target object, the method further includes:

Perform authentication based on the resource transfer request of the resource account of the target object, where the resource transfer request includes authentication information;

In response to passing the authentication, displaying a list of resource accounts of the target object;

In response to that the first resource account of the target object is not in the list of resource accounts of the target object, a resource account binding interface is displayed, and on the resource account binding interface, the information of the first resource account of the target object is obtained, based on the The information of the first resource account of the target object is described, and the resource transfer request of the first resource account of the target object is obtained.

Optionally, obtaining the resource transfer quantity based on the resource transfer request of the first resource account of the target object, including:

Display the resource transfer quantity input interface based on the resource transfer request of the first resource account of the target object;

On the resource transfer quantity input interface, obtain the input resource transfer quantity.

In another aspect, an apparatus for resource transfer is provided, the apparatus comprising:

an obtaining module, used for obtaining the resource transfer quantity based on the resource transfer request of the first resource account of the target object;

a determining module, configured to determine the quantity of the first resource to be locked in the second resource account of the target object according to the resource transfer quantity;

A locking module, configured to lock the first resource to be locked in response to the quantity of the first resource to be locked does not exceed the reference quantity, and the locked first resource can generate additional additional resources but cannot be transferred ;

A first transfer module, configured to transfer the second resource in the resource account of the third party to the first resource account of the target object in response to the successful locking, the quantity of the second resource and the quantity of the first resource Corresponding;

an unlocking module, configured to unlock the locked first resource in response to the resource transfer result being that the resource transfer is successful;

The second transfer module is configured to transfer the unlocked first resource to the resource account of the third party.

Optionally, the unlocking module is further configured to, in response to the resource transfer result being a resource transfer failure, unlock the locked first resource when the number of resource transfer failures exceeds a threshold range.

Optionally, the first transfer module is further configured to, in response to the resource transfer result being that the resource transfer fails, when the number of times the resource transfer fails does not exceed a threshold, continue to execute the second resource in the third party's resource account. Transfer to the first resource account of the target object until the resource transfer result is that the resource transfer succeeds or the number of times the resource transfer fails exceeds the threshold.

Optionally, the unlocking module is configured to restore the state of the locked first resource to a state in which additional additional resources can be generated and can be transferred.

Optionally, the first transfer module is used to transfer the second resource in the resource account of the third party to a transfer platform, and the transfer platform is used to transfer the second resource in the resource account of the third party to the transfer platform. The first resource account of the target object.

Optionally, the device further includes:

a verification module for performing identity verification based on a resource transfer request of the resource account of the target object, where the resource transfer request includes identity verification information;

a first display module, configured to display a list of resource accounts of the target object in response to passing the authentication;

The obtaining module is configured to obtain the resources of the first resource account of the target object based on the selection instruction of the first resource account of the target object in response to the first resource account of the target object being in the list of resource accounts of the target object transfer request.

Optionally, the obtaining module is configured to display a resource account binding interface in response to that the first resource account of the target object is not in the list of resource accounts of the target object, and obtain the target on the resource account binding interface. The information of the first resource account of the object, and the resource transfer request of the first resource account of the target object is acquired based on the information of the first resource account of the target object.

Optionally, the device further includes:

The second display module is used to display the resource transfer quantity input interface based on the resource transfer request of the first resource account of the target object;

The obtaining module is configured to obtain the input resource transfer quantity on the resource transfer quantity input interface.

In another aspect, a computer device is provided, the computer device includes a processor and a memory, the memory stores at least one instruction, the at least one instruction when executed by the processor implements any of the above method of resource transfer.

In another aspect, a computer-readable storage medium is also provided, wherein the computer-readable storage medium stores at least one instruction, and when the at least one instruction is executed, implements any one of the foregoing resource transfer methods.

The technical solutions provided in the embodiments of the present application at least bring the following beneficial effects:

First, lock the first resource in the second resource account of the target object, and during the locked period, the first resource can continue to generate additional additional resources. After the second resource in the resource account of the third party is successfully transferred to the first resource account of the target object, the first resource in the second resource account of the target object is unlocked and transferred to the resource account of the third party. During the entire resource transfer process, even if the resource transfer cycle is long, it will not cause the loss of additional resources, ensure that the resources of the target object are not damaged, improve the effect of resource transfer, and improve user experience.

Description of drawings

In order to illustrate the technical solutions in the embodiments of the present application more clearly, the following briefly introduces the drawings that are used in the description of the embodiments. Obviously, the drawings in the following description are only some embodiments of the present application. For those of ordinary skill in the art, other drawings can also be obtained from these drawings without creative effort.

1 is a schematic diagram of an implementation environment provided by an embodiment of the present application;

FIG. 2 is a flowchart of a method for resource transfer provided by an embodiment of the present application;

3 is a schematic diagram of an interface for obtaining a resource transfer request of a first resource account of a target object provided by an embodiment of the present application;

4 is a schematic interface diagram of a resource transfer request for obtaining a first resource account of a target object provided by an embodiment of the present application;

5 is a schematic diagram of an interface for obtaining a resource transfer quantity provided by an embodiment of the present application;

6 is a schematic diagram of a process of resource transfer provided by an embodiment of the present application;

7 is a schematic diagram of a process of resource transfer provided by an embodiment of the present application;

8 is a schematic diagram of an apparatus for resource transfer provided by an embodiment of the present application;

FIG. 9 is a schematic diagram of an apparatus for resource transfer provided by an embodiment of the present application;

FIG. 10 is a schematic diagram of an apparatus for resource transfer provided by an embodiment of the present application;

FIG. 11 is a schematic structural diagram of a device for resource transfer provided by an embodiment of the present application.

Detailed ways

In order to make the objectives, technical solutions and advantages of the present application clearer, the embodiments of the present application will be further described in detail below with reference to the accompanying drawings.

With the development of society and the continuous progress of science and technology, there are more and more ways of resource transfer. Resources between different accounts can be transferred to each other.

In this regard, an embodiment of the present application provides a method for resource transfer. Please refer to FIG. 1 , which shows a schematic diagram of an implementation environment of the method provided by the embodiment of the present application. The implementation environment may include: a terminal 11 and a server 12 .

Wherein, the terminal 11 is installed with an application program or webpage capable of transferring resources, so that when the application program or webpage transfers resources between the resource account of the target object and the resource account of a third party, the method provided by the embodiment of the present application can be applied to transfer. The terminal 11 may acquire the identity verification information of the target object, the resource account information of the target object, and the resource account information of the third party, and then send the acquired information to the server 12 for storage. Of course, the terminal 11 may also store the identity verification information of the target object, the resource account information of the target object, and the resource account information of a third party.

Optionally, the terminal 11 can be any electronic product that can perform human-computer interaction with the user in one or more ways such as a keyboard, a touchpad, a touchscreen, a remote control, a voice interaction or a handwriting device, such as a PC (Personal Computer, Personal computer), mobile phone, smart phone, PDA (Personal Digital Assistant, personal digital assistant), wearable device, Pocket PC (Pocket PC), tablet computer, smart car machine, smart TV, smart speaker, etc. The server 12 may be a server, a server cluster composed of multiple servers, or a cloud computing service center. The terminal 11 establishes a communication connection with the server 12 through a wired or wireless network.

Those skilled in the art should understand that the above-mentioned terminal 11 and server 12 are only examples. If other existing or future terminals or servers are applicable to this application, they should also be included in the protection scope of this application, and are hereby referred to as References are included here.

Based on the above implementation environment shown in FIG. 1 , an embodiment of the present application provides a method for resource transfer, taking the method applied to a resource transfer application of a terminal as an example. As shown in FIG. 2 , the method provided by the embodiment of the present application may include the following steps:

In step 201, the resource transfer quantity is obtained based on the resource transfer request of the first resource account of the target object.

A resource transfer application refers to an application that can transfer resources. In this application, resources of different resource accounts can be transferred. For example, the resources of the resource account of the target object can be transferred to the resource account of a third party. , you can also transfer the resources of the third-party resource account to the resource account of the target object. The third-party resource account refers to the resource account of the non-target object, which can be the resource account of the resource transfer application itself, or other resource accounts that are bound to the resource transfer application. A resource account refers to an account for managing resources. For example, when a resource is a fund, the resource account is an account for managing funds, such as a credit card account, a fund account, and the like. In the embodiment of the present application, the target object has at least two resource accounts, where the first resource account of the target object refers to the resource account that needs to transfer resources, and the second resource account of the target object refers to the resources that can transfer resources out account. For example, taking resources as funds as an example, for the same target object, the first resource account number may be the credit card account number of the target object to be repaid, and the second resource account number may be the fund account number of the target object. The fund of the fund account is redeemed, and then the redemption funds are transferred from the fund account to other fund accounts.

When the first resource account of the target object needs to transfer resources, the target object sends the resource transfer request of the first resource account to the resource transfer application, and the resource transfer application obtains the resource transfer request of the first resource account of the target object. Optionally, the methods for obtaining the resource transfer request of the first resource account of the target object include but are not limited to the following two:

Mode 1: Perform authentication based on the resource transfer request of the resource account of the target object, and the resource transfer request includes the authentication information; in response to passing the authentication, display the list of resource accounts of the target object; in response to the first resource of the target object The account is in the list of resource accounts of the target object, and based on the selection instruction of the first resource account of the target object, the resource transfer request of the first resource account of the target object is obtained.

For the same target object, there may be multiple resource accounts, and the target object can be pre-bound with some or all of the resource accounts in the resource transfer application. When a resource account of the target object needs to transfer resources, the target object sends a resource transfer request of the resource account, and the resource transfer request includes the identity verification information of the target object, such as the name of the target object and the ID number of the target object , the communication number of the target object, etc. The resource transfer application authenticates the target object based on the authentication information of the target object in the resource transfer request of the resource account of the target object. Optionally, the process of authenticating the target object includes, but is not limited to, verifying whether the name in the resource transfer request of the target object matches the ID number, verifying whether the name in the resource transfer request of the target object matches the communication number, etc. .

When the authentication information of the target object does not match, the authentication fails, and the authentication information of the target object can be prompted to be incorrect at this time. The embodiment of the present application does not limit the prompting manner when the identity verification fails. When the authentication information of the target object matches, the authentication is passed. At this time, a list of all resource accounts bound by the target object in the resource transfer application is displayed for the target object to select the first resource account that needs to transfer resources, such as shown in Figure 3. When there are many resource accounts, the list of resource accounts can be swiped up and down to facilitate the target object to view all resource accounts in the list. Optionally, an entry for selecting other resource accounts is displayed below the list of resource accounts, for the target object to select other resource accounts that do not belong to the list of resource accounts as the first resource account. For example, the “other resource account” shown in FIG. 3 is used as an entry for selecting other resource accounts.

When the resource account that needs to be transferred to the resource is in the list of resource accounts, the target object can select the resource account and use the resource account as the first resource account of the target object. At this time, the resource account application program obtains the first resource account of the target object. A selection command for a resource account. Optionally, the method of selecting the resource account can be single-click, double-click, or long-press. The resource transfer application program of the terminal can obtain the resource transfer request of the first resource account of the target object based on the selection instruction of the first resource account of the target object. For example, as shown in FIG. 3 , there is the first resource account of the target object in the list of resource accounts in FIG. 3 , and based on the selection instruction of the first resource account, the resource transfer request of the first resource account of the target object can be obtained .

When the resource account to which the resource needs to be transferred is not in the list of resource accounts, the resource transfer request of the first resource account of the target object is obtained according to the second method.

Mode 2: In response to that the first resource account of the target object is not in the list of resource accounts of the target object, a resource account binding interface is displayed, and on the resource account binding interface, the information of the first resource account of the target object is obtained, based on the target object The information of the first resource account of the target object is obtained, and the resource transfer request of the first resource account of the target object is obtained.

When the account to which the target object needs to transfer resources is not in the list of resource accounts, the target object can trigger an entry to select other resource accounts. For example, the target object clicks the "other resource account" in Figure 4(1). At this time, the resource account binding interface is displayed in the resource transfer application program of the terminal. As shown in Figure 4(2), on the resource account binding interface, an information input box is displayed, and the target object enters the resource account that needs to be transferred to the resource. name, resource account password and other information. The resource transfer application acquires the information of the input resource account, and uses the input resource account as the first resource account of the target object. Optionally, the resource transfer application verifies the acquired account information of the first resource account. If the verification fails, it will prompt that the target object information is incorrect, and then clear the information input box for the target object to re-enter. For example, when the verification fails, the prompt message "Incorrect input of resource account information, please re-enter" as shown in Figure 4(3) is displayed, and when the target object triggers the "OK" option shown in Figure 4(3) , the information input box shown in Figure 4(2) is displayed again. If the verification is successful, the resource transfer application binds the first resource account of the target object according to the obtained information of the first resource account, thereby obtaining the resource transfer request of the first resource account of the target object.

Optionally, after obtaining the first resource account of the target object, the first resource account of the target object and the identity verification information of the target object are verified again. If the verification result is that the first resource account of the target object does not belong to the target object, the verification fails, and the target object is prompted to verify the information of the first resource account; if the verification result is that the first resource account of the target object belongs to the target object, the verification Success, continue with subsequent operations.

The resource transfer application program of the terminal obtains the resource transfer quantity based on the resource transfer request of the first resource account of the target object. The resource transfer quantity refers to the quantity of resources that need to be transferred to the first resource account of the target object. For example, taking the resource as the fund and the first resource account as the credit card account as an example, the resource transfer amount is the amount to be repaid for the credit card of the target object, such as RMB 5,000. Optionally, the methods for obtaining the resource transfer quantity include but are not limited to the following two:

Mode 1: The resource transfer request of the first resource account of the target object includes the resource transfer quantity, and the resource transfer quantity can be directly obtained according to the resource transfer request of the first resource account of the target object.

Manner 2: Based on the resource transfer request of the first resource account of the target object, the resource transfer quantity input interface is displayed; on the resource transfer quantity input interface, the input resource transfer quantity is obtained.

After acquiring the resource transfer request of the first resource account of the target object, the resource transfer quantity input interface is displayed. The resource transfer input interface can be shown in Figure 5(1). The target object inputs the resource transfer quantity in the resource transfer input interface, and the resource transfer application program obtains the input resource transfer quantity.

In step 202, the quantity of the first resource to be locked in the second resource account of the target object is determined according to the quantity of the resource transfer.

The second resource account of the target object refers to a resource account that can transfer out resources. This embodiment of the present application does not limit the source of the second resource account of the target object. For example, the second resource account of the target object may be a resource account that has a fixed relationship with the first resource account of the target object, or may be a resource account selected by the target object in the list of resource accounts, or may be input by the target object resource account. It should be noted that, in a normal state, the resources in the second resource account of the target object can generate additional additional resources and can be transferred. For example, taking the second resource account of the target object as the fund account of the target object as an example, the funds in the fund account can generate income and can be redeemed.

After the resource transfer quantity is acquired, the quantity of the to-be-locked first resource corresponding to the resource transfer quantity in the second resource account of the target object is determined according to the resource transfer quantity. The first resource refers to the resource in the second resource account of the target object. Since the number of resources transferred refers to the number of resources that need to be transferred to the first resource account of the target object, the methods for determining the number of first resources to be locked according to the number of resource transfers include but are not limited to the following two:

When the form of the resource to be transferred in the first resource account of the target object is the same as the form of the first resource, the quantity of the first resource to be locked is the same as the quantity of the resource to be transferred.

When the form of the resource to be transferred in the first resource account of the target object is different from the form of the first resource, the form of the resource to be transferred in the first resource account can be converted into the same form as the first resource. form, and then determine the quantity of the first resource according to the resource corresponding to the resource transfer quantity. For example, when the resource to be transferred in the first resource account of the target object is in the form of funds and the first resource is in the form of funds, the amount of resource transfer refers to the amount of funds transferred, and the unit amount of funds can be converted into funds first. and then determine the corresponding fund share according to the fund transfer amount, and use the fund share as the quantity of the first resource to be locked.

In step 203, in response to the number of the first resources to be locked does not exceed the reference number, the first resources to be locked are locked, and the locked first resources can generate additional additional resources but cannot be transferred.

After determining the number of the first resources to be locked in the second resource account, it is determined whether the number of the first resources to be locked exceeds the reference number. The reference quantity can be set according to the total resource quantity in the second resource account. For example, the reference quantity can be the total resource quantity in the second resource account, or it can be 80% of the total resource quantity in the second resource account. quantity.

When the quantity of the first resource to be locked exceeds the reference quantity, the resource transfer application prompts the target object that the quantity of resources in the second resource account of the target object is insufficient. For example, as shown in FIG. 5(2), the prompt is given in the form of a pop-up window, and the content in the pop-up is "insufficient amount of resources". When the time indicated by the prompt information exceeds the reference time or when the target object triggers the "OK" option in Figure 5(2), it can return to the resource transfer quantity input interface as shown in Figure 5(1) or return to the resource transfer The first interface of the application program, which is not limited in this embodiment of the present application. The reference time can be set according to experience, such as 5 seconds.

When the number of the first resources to be locked does not exceed the reference number, the first resources to be locked are locked. The result of locking the first resource to be locked may be locking success or locking failure. Optionally, when the locking result is that the locking fails, it is prompted that the target object fails to be locked. At this time, the first resource is still in a pending state, that is, in a state that can generate additional attachment resources and can be transferred. When the locking result is that the lock is successfully locked, the first resource is in a locked state, and the locked first resource can continue to generate additional additional resources, but cannot be transferred. For example, taking the first resource as an example of a fund, the fund can generate income when it is in the locked state and can be redeemed and paid back to other fund accounts. The fund can still continue to generate income when it is in the locked state, but cannot be redeemed. Transfer to other funds account.

In step 204, in response to the successful locking, the second resource in the resource account of the third party is transferred to the first resource account of the target object, and the quantity of the second resource corresponds to the quantity of the first resource.

After the first resource is successfully locked, the quantity of the second resource in the resource account of the third party is determined according to the quantity of the first resource. The number of the second resources corresponds to the number of the first resources. When the form of the second resource is the same as the form of the first resource, the quantity of the second resource is the same as the quantity of the first resource; when the form of the second resource is different from the form of the first resource, the The form is converted into a form that is the same as the form of the second resource, and then the quantity of the second resource is determined according to the resource corresponding to the quantity of the first resource. For example, when the second resource is in the form of funds and the first resource is in the form of funds, the quantity of the first resource refers to the shares of the fund, and the unit of the fund can be converted into the amount of funds first, and then the amount of funds can be converted according to the amount of the fund. The share determines the amount of the corresponding funds, and the amount of funds is used as the amount of the second resource. The third-party resource account may be the resource account of the resource transfer application itself, or may be other resource accounts that are bound to the resource transfer application.

After determining the quantity of the second resources in the resource account of the third party according to the quantity of the locked first resources, the second resource in the resource account of the third party is transferred to the first resource account of the target object. For example, taking the first resource account of the target object as the credit card account, the second resource account of the target object as the fund account, and the resource account of the third party as the fund account, the third party's funds are transferred to the credit card account of the target object, This process is equivalent to a third party making credit card repayments on behalf of the target. During this process, the locked fund in the fund account of the target object can play the role of providing financial guarantee.

Optionally, transferring the second resource in the resource account of the third party to the first resource account of the target object includes: transferring the second resource in the resource account of the third party to a transfer platform, and the transfer platform is used to transfer the third-party resource. The second resource in the resource account of the target object is transferred to the first resource account of the target object.

In the process of transferring the second resource in the resource account of the third party to the first resource account of the target object, a transfer platform is added. The second resource in the third-party resource account is first transferred to the transfer platform, and then the transfer platform transfers the second resource in the third-party resource account to the first resource account of the target object. For example, taking the resource account of the third party as the fund account and the first resource account of the target object as the credit card account, the transfer platform can be UnionPay Electronics, which refers to relying on China UnionPay's unified national inter-bank information exchange network to provide services for each It is a platform for merchants and users to provide bank card payment and fund settlement services. In the process of credit card repayment by a third party on behalf of the target object, the funds in the third party's capital account are paid to UnionPay Electronics first, and then UnionPay Electronics pays the funds to the credit card account of the target object. The credit card account number refers to the credit card Account at the bank where the card was issued. Adding a transit platform can shorten the path of resource transfer, thereby improving the success rate of resource transfer.

Optionally, the transfer results of transferring the second resource in the resource account of the third party to the first resource account of the target object include but are not limited to the following three types:

Result 1: The resource transfer result is resource transfer failure, and the number of resource transfer failures does not exceed the threshold.

When the resource transfer is interrupted or the resource transfer is abnormal, the result of the resource transfer is that the resource transfer fails. The reason for the interruption of resource transfer or the abnormality of resource transfer may be a network failure or a system failure, or other factors, which are not limited in the comparison of the embodiments of the present application. When the resource transfer fails, determine the number of resource transfer failures, and if the number of resource transfer failures does not exceed the threshold, continue to perform the operation of transferring the second resource in the third-party resource account to the first resource account of the target object, until The resource transfer result is that the resource transfer succeeds or the number of times the resource transfer fails exceeds the threshold. Among them, the threshold can be set according to experience, such as 3 times, or can be adjusted freely according to the application scenario.

Result 2: The resource transfer result is resource transfer failure, and the number of resource transfer failures exceeds the threshold. Under such a result, the locked first resource is unlocked. At this time, the first resource is still in the second resource account of the target object, and the unlocked first resource can generate additional additional resources and can be transferred. Taking the first resource as the fund as an example, the unlocked fund can not only generate income, but also be redeemed and repaid to other fund accounts. Optionally, if the operation of unlocking the first resource fails for many times, manual processing is performed, and the first resource is manually unlocked.

Result 3: The resource transfer result is that the resource transfer is successful.

When the second resource in the resource account of the third party is successfully transferred to the first resource account of the target object, the first resource account of the target object obtains the second resource, but the resource account of the third party loses the second resource. In this case, step 205 is performed.

In step 205, in response to the resource transfer result being that the resource transfer is successful, the locked first resource is unlocked, and the unlocked first resource is transferred to the resource account of the third party.

When the resource transfer result is that the resource transfer is successful, the locked first resource is unlocked, and then the unlocked first resource is transferred to the resource account of the third party. This process is equivalent to compensating the second resource lost in the third-party resource account with the first resource in the second resource account of the target object. The entire resource transfer process can be shown in Figure 6. On the premise of locking the first resource of the second resource account of the target object, the second resource in the third-party resource account is first transferred to the first resource account of the target object. , after the transfer is successful, the first resource of the second resource account of the target object is unlocked and transferred to the resource account of the third party.

In the process of resource transfer in the related art, the first resource in the second resource account of the target object is first transferred to the third-party resource account, and then the second resource in the third-party resource account corresponding to the number of the first resources is transferred. The resource is transferred to the first resource account of the target object. Since the first resource cannot generate additional attachment resources after the first resource is transferred to the resource account of the third party, when the resource transfer period is long, some additional resources will be lost. However, in the embodiment of the present application, the first resource of the second resource account of the target object is first locked, and after the second resource in the third-party resource account is successfully transferred to the first resource account of the target object, the second resource of the target object is then locked. The first resource of the second resource account is unlocked and transferred to the account of the third-party resource. Since the first resource can continue to generate additional additional resources during the locked period, even if the period of resource transfer is long, the resource of the target object will not be lost.

In addition, in the related art, if the transfer of the second resource in the resource account of the third party to the first resource account of the target object fails, since the third party has obtained the second resource transferred from the second resource account of the target object, it is necessary to transfer the second resource to the first resource account of the target object. The return of the second resource may even require manual intervention, and the handling process for transfer failure is complicated. However, in the method provided by the embodiment of the present application, if the transfer of the second resource of the third party to the first resource account of the target object fails, it only needs to unlock the locked first resource, and the processing flow of the transfer failure is simple.

For ease of understanding, a specific resource transfer application scenario is used as an example for description below, and the resource transfer process may be shown in FIG. 7 . The resource transfer scenario shown in Figure 7 is a scenario in which the target object is based on a third-party merchant platform and uses funds to repay a credit card. In this scenario, the first resource account of the target object is the credit card account of the target object; the second resource account of the target object is the fund account of the target object; the third-party resource account is the fund account of the third-party merchant platform; the number of resources transferred is the amount to be repaid by the credit card of the target object; the first resource of the second resource account of the target object is a certain share of the fund corresponding to the amount to be paid by the credit card; the second resource of the third-party resource account is the amount to be paid by the credit card corresponding funds.

In the scenario shown in Figure 7, it involves three main entities: the target object, the third-party merchant platform and the bank. The third-party merchant platform may refer to an application program connected to different third-party fund companies, and the third-party merchant platform has fund services, card services and fund repayment systems. Among them, fund service refers to fund product introduction, fund purchase, fund recommendation, fund management and other related services; card service refers to the service of managing the target object’s credit card bound on the third-party merchant platform; fund repayment system Refers to the system that can realize the use of funds to transfer credit cards. The premise of this scenario is that the target object has purchased a certain share of the fund on the third-party merchant platform. Next, the process of resource transfer based on the application scenario shown in FIG. 7 will be described in detail.

First, the target object initiates a fund transfer credit card request, which contains the target object's identity verification information, and the fund repayment system in the third-party merchant platform verifies the target object's identity. After the identity verification is successful, the card service of the third-party merchant platform obtains a list of credit cards corresponding to the identity verification information of the target object and displays the list of credit cards. If the credit card to be repaid is in the list, the third-party merchant platform will jump to the repayment amount input page based on the target object's selected instruction for the credit card to be repaid to obtain the repayment amount; if the credit card to be repaid is not in the list , the third-party merchant platform jumps to the repayment amount input page to obtain the repayment amount based on the relevant information of the credit card to be repaid entered by the target object in the information input box. Optionally, after determining the credit card to be repaid, the fund repayment system performs secondary verification on the card number of the credit card to be repaid and the name of the target object. After the verification is successful, the third-party merchant platform determines the share of the fund to be locked corresponding to the repayment amount according to the obtained repayment amount, and then locks the fund of the commanded share. During the lock-up period, the fund cannot be redeemed, but still Can generate income. After the lock is successful, the fund repayment system of the third-party merchant platform uses the funds of the third-party merchant platform to perform repayment operations. The fund repayment system sends a repayment request to the issuing bank of the target object's credit card, and then the fund repayment system polls and sends a repayment result query request to the bank and waits. If the repayment result returned by the bank is successful, the third-party merchant platform will unlock the locked funds and perform redemption and repayment processing. The fund repayment system of the third-party merchant platform will collect the funds and redeem the funds. Placed in the fund account of the third-party merchant platform. If the repayment result returned by the bank is that the repayment fails, the third-party merchant platform will unlock the locked fund, and the unlocked fund still belongs to the target object. Finally, the third-party merchant platform informs the target object of the repayment result, that is, informs the target object whether the fund transfer to the credit card is successful.

In the embodiment of the present application, the first resource in the second resource account of the target object is first locked, and during the locked period, the first resource can continue to generate additional additional resources. After the second resource in the resource account of the third party is successfully transferred to the first resource account of the target object, the first resource in the second resource account of the target object is unlocked and transferred to the resource account of the third party. During the entire resource transfer process, even if the resource transfer cycle is long, it will not cause the loss of additional resources, ensure that the resources of the target object are not damaged, improve the effect of resource transfer, and improve user experience.

Based on the same technical concept, referring to FIG. 8 , an embodiment of the present application provides an apparatus for resource transfer, and the apparatus includes:

The obtaining module 801 is used for obtaining the resource transfer quantity based on the resource transfer request of the first resource account of the target object;

A determination module 802, configured to determine the quantity of the first resource to be locked in the second resource account of the target object according to the resource transfer quantity;

A locking module 803, configured to lock the first resource to be locked in response to the quantity of the first resource to be locked does not exceed the reference quantity, and the locked first resource can generate additional additional resources but cannot be transferred;

The first transfer module 804 is configured to transfer the second resource in the resource account of the third party to the first resource account of the target object in response to the successful locking, and the quantity of the second resource corresponds to the quantity of the first resource;

The unlocking module 805 is used for unlocking the locked first resource in response to the resource transfer result being that the resource transfer is successful;

The second transfer module 806 is configured to transfer the unlocked first resource to a resource account of a third party.

Optionally, the unlocking module 805 is further configured to, in response to the resource transfer result being that the resource transfer fails, unlock the locked first resource when the number of times the resource transfer fails exceeds a threshold range.

Optionally, the first transfer module 804 is further configured to, in response to the resource transfer result being that the resource transfer fails, when the number of times the resource transfer fails does not exceed the threshold, continue to perform the transfer of the second resource in the third party's resource account to the target. The first resource account of the object until the resource transfer result is that the resource transfer succeeds or the number of times the resource transfer fails exceeds the threshold.

Optionally, the unlocking module 805 is configured to restore the state of the locked first resource to a state in which additional additional resources can be generated and can be transferred.

Optionally, the first transfer module 804 is used to transfer the second resource in the resource account of the third party to the transfer platform, and the transfer platform is used to transfer the second resource in the resource account of the third party to the first resource of the target object. resource account.

Optionally, referring to Figure 9, the device further includes:

The verification module 807 is used for performing authentication based on the resource transfer request of the resource account of the target object, and the resource transfer request includes the authentication information;

a first display module 808, configured to display a list of resource accounts of the target object in response to passing the authentication;

The obtaining module 801 is configured to obtain the resource transfer request of the first resource account of the target object based on the selection instruction of the first resource account of the target object in response to the first resource account of the target object being in the list of resource accounts of the target object.

Optionally, the obtaining module 801 is configured to display a resource account binding interface in response to the fact that the first resource account of the target object is not in the list of resource accounts of the target object, and obtain the first resource of the target object on the resource account binding interface The account information, based on the information of the first resource account of the target object, obtains the resource transfer request of the first resource account of the target object.

Optionally, referring to Figure 10, the device further includes:

The second display module 809 is configured to display the resource transfer quantity input interface based on the resource transfer request of the first resource account of the target object;

The obtaining module 801 is configured to obtain the input resource transfer quantity on the resource transfer quantity input interface.

In the embodiment of the present application, the first resource in the second resource account of the target object is first locked, and during the locked period, the first resource can continue to generate additional additional resources. After the second resource in the resource account of the third party is successfully transferred to the first resource account of the target object, the first resource in the second resource account of the target object is unlocked and transferred to the resource account of the third party. During the entire resource transfer process, even if the resource transfer cycle is long, it will not cause the loss of additional resources, ensure that the resources of the target object are not damaged, improve the effect of resource transfer, and improve user experience.

It should be noted that, when the device provided in the above embodiment realizes its functions, only the division of the above functional modules is used as an example for illustration. The internal structure is divided into different functional modules to complete all or part of the functions described above. In addition, the apparatus and method embodiments provided in the above embodiments belong to the same concept, and the specific implementation process thereof is detailed in the method embodiments, which will not be repeated here.

FIG. 11 is a schematic structural diagram of a resource transfer device provided by an embodiment of the present application. The device can be a terminal, for example, can be: a smartphone, a tablet computer, an MP3 player (Moving Picture Experts Group AudioLayer III, Moving Picture Experts Group Audio Layer III), MP4 (Moving Picture Experts Group Audio Layer IV, Moving Picture Experts Group Audio Layer IV) Standard Audio Layer 4) Player, Laptop or Desktop. A terminal may also be called user equipment, portable terminal, laptop terminal, desktop terminal, etc. by other names.

Generally, the terminal includes: a processor 1101 and a memory 1102 .

The processor 1101 may include one or more processing cores, such as a 4-core processor, an 8-core processor, and the like. The processor 1101 may adopt at least one hardware form among DSP (Digital Signal Processing, digital signal processing), FPGA (Field-Programmable Gate Array, field programmable gate array), PLA (Programmable Logic Array, programmable logic array) accomplish. The processor 1101 may also include a main processor and a coprocessor. The main processor is a processor used to process data in a wake-up state, also called a CPU (Central Processing Unit, central processing unit); A low-power processor for processing data in a standby state. In some embodiments, the processor 1101 may be integrated with a GPU (Graphics Processing Unit, image processor), and the GPU is used for rendering and drawing the content that needs to be displayed on the display screen. In some embodiments, the processor 1101 may further include an AI (Artificial Intelligence, artificial intelligence) processor, where the AI processor is used to process computing operations related to machine learning.

Memory 1102 may include one or more computer-readable storage media, which may be non-transitory. Memory 1102 may also include high-speed random access memory, as well as non-volatile memory, such as one or more disk storage devices, flash storage devices. In some embodiments, the non-transitory computer-readable storage medium in the memory 1102 is used to store at least one instruction, and the at least one instruction is used to be executed by the processor 1101 to implement the resource transfer provided by the method embodiments in this application. Methods.

In some embodiments, the terminal may optionally further include: a peripheral device interface 1103 and at least one peripheral device. The processor 1101, the memory 1102 and the peripheral device interface 1103 may be connected through a bus or a signal line. Each peripheral device can be connected to the peripheral device interface 1103 through a bus, a signal line or a circuit board. Specifically, the peripheral device includes: at least one of a radio frequency circuit 1104 , a touch display screen 1105 , a camera assembly 1106 , an audio circuit 1107 , a positioning assembly 1108 and a power supply 1109 .

The peripheral device interface 1103 may be used to connect at least one peripheral device related to I/O (Input/Output) to the processor 1101 and the memory 1102 . In some embodiments, processor 1101, memory 1102, and peripherals interface 1103 are integrated on the same chip or circuit board; in some other embodiments, any one of processor 1101, memory 1102, and peripherals interface 1103 or The two can be implemented on a separate chip or circuit board, which is not limited in this embodiment.

The radio frequency circuit 1104 is used for receiving and transmitting RF (Radio Frequency, radio frequency) signals, also called electromagnetic signals. The radio frequency circuit 1104 communicates with communication networks and other communication devices via electromagnetic signals. The radio frequency circuit 1104 converts electrical signals into electromagnetic signals for transmission, or converts received electromagnetic signals into electrical signals. Optionally, the radio frequency circuit 1104 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 the like. The radio frequency circuit 1104 may communicate with other terminals through at least one wireless communication protocol. The wireless communication protocols include, but are not limited to, metropolitan area networks, mobile communication networks of various generations (2G, 3G, 4G and 5G), wireless local area networks and/or WiFi (Wireless Fidelity, wireless fidelity) networks. In some embodiments, the radio frequency circuit 1104 may further include a circuit related to NFC (Near Field Communication, short-range wireless communication), which is not limited in this application.

The display screen 1105 is used for displaying UI (User Interface, user interface). The UI can include graphics, text, icons, video, and any combination thereof. When the display screen 1105 is a touch display screen, the display screen 1105 also has the ability to acquire touch signals on or above the surface of the display screen 1105 . The touch signal can be input to the processor 1101 as a control signal for processing. At this time, the display screen 1105 may also be used to provide virtual buttons and/or virtual keyboards, also referred to as soft buttons and/or soft keyboards. In some embodiments, there may be one display screen 1105, which is arranged on the front panel of the terminal; in other embodiments, there may be at least two display screens 1105, which are respectively arranged on different surfaces of the terminal or in a folded design; In some embodiments, the display screen 1105 may be a flexible display screen, disposed on a curved surface or a folding surface of the terminal. Even, the display screen 1105 can also be set as a non-rectangular irregular figure, that is, a special-shaped screen. The display screen 1105 can be made of materials such as LCD (Liquid Crystal Display, liquid crystal display), OLED (Organic Light-Emitting Diode, organic light emitting diode).

The camera assembly 1106 is used to capture images or video. Optionally, the camera assembly 1106 includes a front camera and a rear camera. Usually, the front camera is arranged on the front panel of the terminal, and the rear camera is arranged on the back of the terminal. In some embodiments, there are at least two rear cameras, which are any one of a main camera, a depth-of-field camera, a wide-angle camera, and a telephoto camera, so as to realize the fusion of the main camera and the depth-of-field camera to realize the background blur function, the main camera It is integrated with the wide-angle camera to achieve panoramic shooting and VR (Virtual Reality, virtual reality) shooting functions or other integrated shooting functions. In some embodiments, the camera assembly 1106 may also include a flash. The flash can be a single color temperature flash or a dual color temperature flash. Dual color temperature flash refers to the combination of warm light flash and cold light flash, which can be used for light compensation under different color temperatures.

Audio circuitry 1107 may include a microphone and speakers. The microphone is used to collect the sound waves of the user and the environment, convert the sound waves into electrical signals, and input them to the processor 1101 for processing, or input them to the radio frequency circuit 1104 to realize voice communication. For the purpose of stereo acquisition or noise reduction, there may be multiple microphones, which are respectively arranged at different parts of the terminal. The microphone may also be an array microphone or an omnidirectional collection microphone. The speaker is used to convert the electrical signal from the processor 1101 or the radio frequency circuit 1104 into sound waves. The loudspeaker can be a traditional thin-film loudspeaker or a piezoelectric ceramic loudspeaker. When the speaker is a piezoelectric ceramic speaker, it can not only convert electrical signals into sound waves audible to humans, but also convert electrical signals into sound waves inaudible to humans for ranging and other purposes. In some embodiments, audio circuitry 1107 may also include a headphone jack.

The positioning component 1108 is used to locate the current geographic location of the terminal to implement navigation or LBS (Location Based Service, location-based service). The positioning component 1108 may be a positioning component based on the GPS (Global Positioning System, global positioning system) of the United States, the Beidou system of China, the Grenas system of Russia, or the Galileo system of the European Union.

The power supply 1109 is used to power various components in the terminal. The power source 1109 may be alternating current, direct current, disposable batteries, or rechargeable batteries. When the power source 1109 includes a rechargeable battery, the rechargeable battery can support wired charging or wireless charging. The rechargeable battery can also be used to support fast charging technology.

In some embodiments, the terminal further includes one or more sensors 1110 . The one or more sensors 1110 include, but are not limited to, an acceleration sensor 1111 , a gyro sensor 1112 , a pressure sensor 1113 , a fingerprint sensor 1114 , an optical sensor 1115 , and a proximity sensor 1116 .

The acceleration sensor 1111 can detect the magnitude of acceleration on the three coordinate axes of the coordinate system established by the terminal. For example, the acceleration sensor 1111 can be used to detect the components of the gravitational acceleration on the three coordinate axes. The processor 1101 can control the touch display screen 1105 to display the user interface in a landscape view or a portrait view according to the gravitational acceleration signal collected by the acceleration sensor 1111 . The acceleration sensor 1111 can also be used for game or user movement data collection.

The gyroscope sensor 1112 can detect the body direction and rotation angle of the terminal, and the gyroscope sensor 1112 can cooperate with the acceleration sensor 1111 to collect the 3D actions of the user on the terminal. The processor 1101 can implement the following functions according to the data collected by the gyro sensor 1112: motion sensing (such as changing the UI according to the user's tilt operation), image stabilization during shooting, game control, and inertial navigation.

The pressure sensor 1113 may be disposed on the side frame of the terminal and/or the lower layer of the touch display screen 1105 . When the pressure sensor 1113 is disposed on the side frame of the terminal, the user's holding signal of the terminal can be detected, and the processor 1101 performs left and right hand identification or shortcut operations according to the holding signal collected by the pressure sensor 1113 . When the pressure sensor 1113 is disposed on the lower layer of the touch display screen 1105 , the processor 1101 controls the operability controls on the UI interface according to the user's pressure operation on the touch display screen 1105 . The operability controls include at least one of button controls, scroll bar controls, icon controls, and menu controls.

The fingerprint sensor 1114 is used to collect the user's fingerprint, and the processor 1101 identifies the user's identity according to the fingerprint collected by the fingerprint sensor 1114, or the fingerprint sensor 1114 identifies the user's identity according to the collected fingerprint. When the user's identity is identified as a trusted identity, the processor 1101 authorizes the user to perform relevant sensitive operations, including unlocking the screen, viewing encrypted information, downloading software, making payments, and changing settings. The fingerprint sensor 1114 may be disposed on the front, back or side of the terminal. When a physical button or a manufacturer's logo is provided on the terminal, the fingerprint sensor 1114 can be integrated with the physical button or the manufacturer's logo.

Optical sensor 1115 is used to collect ambient light intensity. In one embodiment, the processor 1101 can control the display brightness of the touch display screen 1105 according to the ambient light intensity collected by the optical sensor 1115 . Specifically, when the ambient light intensity is high, the display brightness of the touch display screen 1105 is increased; when the ambient light intensity is low, the display brightness of the touch display screen 1105 is decreased. In another embodiment, the processor 1101 may also dynamically adjust the shooting parameters of the camera assembly 1106 according to the ambient light intensity collected by the optical sensor 1115 .

A proximity sensor 1116, also called a distance sensor, is usually provided on the front panel of the terminal. The proximity sensor 1116 is used to collect the distance between the user and the front of the terminal. In one embodiment, when the proximity sensor 1116 detects that the distance between the user and the front of the terminal gradually decreases, the processor 1101 controls the touch display screen 1105 to switch from the bright screen state to the off screen state; when the proximity sensor 1116 detects When the distance between the user and the front of the terminal gradually increases, the processor 1101 controls the touch display screen 1105 to switch from the screen-off state to the screen-on state.

Those skilled in the art can understand that the structure shown in FIG. 11 does not constitute a limitation on the terminal, and may include more or less components than the one shown, or combine some components, or adopt different component arrangements.

In an exemplary embodiment, a computer device is also provided, the computer device including a processor and a memory having stored in the memory at least one instruction, at least a program, a code set or a set of instructions. The at least one instruction, at least a piece of program, code set or instruction set is configured to be executed by one or more processors to implement any of the above methods of resource transfer.

In an exemplary embodiment, a computer-readable storage medium is also provided, wherein the storage medium stores at least one instruction, at least one piece of program, code set or instruction set, the at least one instruction, the at least one piece of program . The code set or the instruction set implements any one of the above resource transfer methods when executed by a processor of a computer device.

Alternatively, the above-mentioned computer-readable storage medium may be a ROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.

It should be understood that references herein to "a plurality" means two or more. "And/or", which describes the association relationship of the associated objects, means that there can be three kinds of relationships, for example, A and/or B, which can mean that A exists alone, A and B exist at the same time, and B exists alone. The character "/" generally indicates that the associated objects are an "or" relationship.

The above-mentioned serial numbers of the embodiments of the present application are only for description, and do not represent the advantages or disadvantages of the embodiments.

The above are only exemplary embodiments of the present application and are not intended to limit the present application. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present application shall be included in the protection of the present application. within the range.

Claims (11)

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

acquiring a resource transfer quantity based on a resource transfer request of a first resource account of a target object;

determining the number of first resources to be locked in a second resource account of the target object according to the resource transfer number;

locking the first resource to be locked in response to the number of the first resource to be locked not exceeding a reference number, the first resource to be locked being capable of generating additional resources but not being transferable;

responding to successful locking, and transferring a second resource in a resource account of a third party to a first resource account of the target object, wherein the quantity of the second resource corresponds to the quantity of the first resource;

and responding to the resource transfer result that the resource transfer is successful, unlocking the locked first resource, and transferring the unlocked first resource to the resource account of the third party.

2. The method of claim 1, wherein after transferring the second resource in the resource account of the third party to the first resource account of the target object, further comprising:

and responding to the resource transfer failure as a resource transfer result, and unlocking the locked first resource when the number of times of the resource transfer failure exceeds a threshold value.

3. The method of claim 1, wherein after transferring the second resource in the resource account of the third party to the first resource account of the target object, further comprising:

and in response to the resource transfer result being a resource transfer failure, when the number of times of the resource transfer failure does not exceed a threshold value, continuing to transfer the second resource in the resource account of the third party to the first resource account of the target object until the resource transfer result is a resource transfer success or the number of times of the resource transfer failure exceeds the threshold value.

4. The method of claim 1 or 2, wherein unlocking the locked first resource comprises:

the state of the locked first resource is restored to a state in which additional resources can be generated and can be transferred.

5. The method of claim 1, wherein transferring the second resource in the resource account of the third party to the first resource account of the target object comprises:

and transferring a second resource in the resource account of the third party to a transfer platform, wherein the transfer platform is used for transferring the second resource in the resource account of the third party to the first resource account of the target object.

6. The method according to any one of claims 1, 2, 3, and 5, wherein before acquiring the resource transfer amount, the method further includes:

performing identity verification based on a resource transfer request of a resource account of a target object, wherein the resource transfer request comprises identity verification information;

responding to the identity authentication passing, and displaying a list of the resource account of the target object;

and responding to the first resource account of the target object in the list of the resource accounts of the target object, and acquiring a resource transfer request of the first resource account of the target object based on a selected instruction of the first resource account of the target object.

7. The method according to any one of claims 1, 2, 3, and 5, wherein before acquiring the resource transfer amount, the method further includes:

performing identity verification based on a resource transfer request of a resource account of a target object, wherein the resource transfer request comprises identity verification information;

responding to the identity authentication passing, and displaying a list of the resource account of the target object;

and responding to the situation that the first resource account of the target object is not in the list of the resource accounts of the target object, displaying a resource account binding interface, acquiring the information of the first resource account of the target object in the resource account binding interface, and acquiring a resource transfer request of the first resource account of the target object based on the information of the first resource account of the target object.

8. The method according to claim 1, wherein the obtaining the resource transfer amount based on the resource transfer request of the first resource account of the target object comprises:

displaying a resource transfer quantity input interface based on a resource transfer request of a first resource account of a target object;

and acquiring the input resource transfer quantity on the resource transfer quantity input interface.

9. An apparatus for resource transfer, the apparatus comprising:

the acquisition module is used for acquiring the resource transfer quantity based on the resource transfer request of the first resource account of the target object;

the determining module is used for determining the number of the first resources to be locked in the second resource account of the target object according to the resource transfer number;

a locking module for locking the first resource to be locked in response to the number of the first resource to be locked not exceeding a reference number, the locked first resource being capable of generating additional resources but not being transferable;

the first transfer module is used for transferring a second resource in the resource account of a third party to the first resource account of the target object in response to successful locking, wherein the quantity of the second resource corresponds to the quantity of the first resource;

the unlocking module is used for responding to the resource transfer result that the resource transfer is successful and unlocking the locked first resource;

and the second transfer module is used for transferring the unlocked first resource to the resource account of the third party.

10. A computer device comprising a processor and a memory, the memory having stored therein at least one instruction which, when executed by the processor, carries out a method of resource transfer according to any one of claims 1 to 8.

11. A computer-readable storage medium having stored therein at least one instruction which, when executed, performs a method of resource transfer as claimed in any one of claims 1 to 8.

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