CN112749959B

CN112749959B - Resource transfer method, system, device, equipment and storage medium

Info

Publication number: CN112749959B
Application number: CN201911035072.9A
Authority: CN
Inventors: 向卓林; 巫鹏浩; 杨童; 陈舒婉; 许阳辉; 雷茂锋; 耿志军
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2019-10-29
Filing date: 2019-10-29
Publication date: 2023-09-19
Anticipated expiration: 2039-10-29
Also published as: CN112749959A

Abstract

The application discloses a resource transfer method, a system, a device, equipment and a storage medium, and belongs to the technical field of Internet. The method comprises the following steps: the target terminal acquires a first resource transfer request aiming at a target card; the method comprises the steps of sending a first resource transfer request aiming at a target card to a cloud server; the cloud server receives a first resource transfer request aiming at a target card, which is sent by a target terminal; determining information of a second resource transfer account bound with the target card based on the identification information of the target card; and sending the first resource transfer request to a target server corresponding to the second resource transfer account, wherein the target server is used for transferring the first target resource in the second resource transfer account to the first resource transfer account. Based on the above process, under the condition that the local account of the target card is not recharged, resource transfer can still be performed based on the target card, the resource transfer process is flexible, and the success rate of resource transfer is improved.

Description

Resource transfer method, system, device, equipment and storage medium

Technical Field

The embodiment of the application relates to the technical field of Internet, in particular to a resource transfer method, a system, a device, equipment and a storage medium.

Background

With the development of technology, a cartoon card is used in a wider and wider field, for example: entrance guard, attendance, dining, consumption, parking lot access, check-in, elevator use and the like. The manner of resource transfer based on a cartoon card is also common.

In the related art, before transferring resources based on a card, a local account of the card needs to be recharged by cash or a bank card bound to the card. And then in the process of transferring the resources based on the one-card, the terminal transfers the resources from the local account of the one-card to the merchant account.

Under the condition that the local account of the one-card is not recharged, the resource transfer cannot be performed based on the one-card, so that the limitation of the resource transfer is high, and the failure rate of the resource transfer is high.

Disclosure of Invention

Based on the identification information of the target card, the embodiment of the application which determines the binding with the target card provides a resource transfer method, a system, a device, equipment and a storage medium, which can be used for solving the problem of larger limitation of resource transfer in the related technology. The technical scheme is as follows:

In one aspect, an embodiment of the present application provides a resource transfer method, where the method includes:

receiving a first resource transfer request for a target card sent by a target terminal, wherein the first resource transfer request comprises identification information of the target card, a first resource transfer quantity and information of a first resource transfer account;

information of a second resource transfer account, wherein the second resource transfer account is a mobile account signing a binding protocol with the target card;

and sending the first resource transfer request to a target server corresponding to the second resource transfer account, wherein the target server is used for transferring a first target resource in the second resource transfer account to the first resource transfer account, and the first target resource is the resource of the first resource transfer quantity.

In one possible implementation, after the receiving the second resource transfer request for the target card, the method further includes:

verifying the validity of the second resource transfer request;

the sending the second resource transfer request to the target server includes:

and when the validity verification of the second resource transfer request is passed, sending the second resource transfer request to the target server.

There is also provided a resource transfer method, the method comprising:

acquiring a first resource transfer request aiming at a target card, wherein the first resource transfer request comprises identification information of the target card, first resource transfer quantity and information of a first resource transfer account, and the identification information of the target card is used for determining information of a second resource transfer account bound with the target card;

and sending the first resource transfer request aiming at the target card to a cloud server.

In another aspect, a resource transfer system is provided, the system comprising: cloud server and target terminal;

the target terminal is used for acquiring a first resource transfer request aiming at a target card, the first resource transfer request comprises identification information of the target card, first resource transfer quantity and information of a first resource transfer account, and the identification information of the target card is used for determining information of a second resource transfer account bound with the target card; the first resource transfer request aiming at the target card is sent to the cloud server;

the cloud server is used for receiving a first resource transfer request for a target card sent by the target terminal; determining information of a second resource transfer account bound with the target card based on the identification information of the target card, wherein the second resource transfer account is a mobile account which signs a binding protocol with the target card; and sending the first resource transfer request to a target server corresponding to the second resource transfer account, wherein the target server is used for transferring a first target resource in the second resource transfer account to the first resource transfer account, and the first target resource is the resource of the first resource transfer quantity.

In another aspect, there is provided a resource transfer apparatus, the apparatus comprising:

the receiving module is used for receiving a first resource transfer request which is sent by a target terminal and aims at a target card, wherein the first resource transfer request comprises identification information of the target card, first resource transfer quantity and information of a first resource transfer account;

the determining module is used for determining information of a second resource transfer account bound with the target card based on the identification information of the target card, wherein the second resource transfer account is a mobile account which signs a binding protocol with the target card;

the sending module is configured to send the first resource transfer request to a target server corresponding to the second resource transfer account, where the target server is configured to transfer a first target resource in the second resource transfer account to the first resource transfer account, and the first target resource is the first resource transfer number of resources.

In one possible implementation manner, the receiving module is configured to receive a first resource transfer request for a target card sent by a target terminal through a front end server, where the front end server is configured to obtain the first resource transfer request for the target card sent by the target terminal, and send the first resource transfer request for the target card to a cloud server when a time interval from a timestamp of a previous sending of the resource transfer request reaches a reference time interval.

In one possible implementation, the receiving module is further configured to receive a second resource transfer request for the target card, where the second resource transfer request includes identification information of the target card, a second resource transfer amount, and information of a third resource transfer account of the target card;

the sending module is further configured to send the second resource transfer request to the target server, where the target server is configured to transfer a second target resource in the second resource transfer account to the third resource transfer account, where the second target resource is a resource of the second resource transfer number;

the sending module is further configured to send resource transfer information to the target terminal when determining that the second resource transfer amount of resources in the third resource transfer account is increased, where the resource transfer information includes identification information of the target card, the second resource transfer amount, and information of the third resource transfer account.

In one possible implementation, the apparatus further includes:

the verification module is used for verifying the validity of the second resource transfer request;

the sending module is further configured to send the second resource transfer request to the target server when the validity of the second resource transfer request is verified.

In one possible implementation manner, the determining module is further configured to determine a third resource transfer amount based on a target resource transfer manner and the first resource transfer amount, where the target resource transfer manner is a resource transfer manner matched with an account type of the second resource transfer account;

the apparatus further comprises:

the updating module is used for updating the first resource transfer quantity in the first resource transfer request into the third resource transfer quantity to obtain an updated first resource transfer request;

the sending module is further configured to send the updated first resource transfer request to a target server corresponding to the second resource transfer account, where the target server is configured to transfer a third target resource in the second resource transfer account to the first resource transfer account, where the third target resource is the resource of the third resource transfer number.

In one possible implementation, the apparatus further includes:

the acquisition module is used for acquiring the resource variation information of the first resource transfer account based on the resource transfer result fed back by the target server;

the determining module is further configured to determine a resource transfer result of the target card based on the resource variation information of the first resource transfer account;

The sending module is further configured to send a resource transfer result of the target card to the target terminal.

In one possible implementation manner, the obtaining module is further configured to obtain feedback information based on a resource transfer result of the target card;

and the sending module is further used for sending the feedback information to the mobile terminal corresponding to the second resource transfer account.

There is also provided a resource transfer apparatus, the apparatus comprising:

the system comprises an acquisition module, a first resource transfer module and a second resource transfer module, wherein the acquisition module is used for acquiring a first resource transfer request aiming at a target card, the first resource transfer request comprises identification information of the target card, a first resource transfer quantity and information of a first resource transfer account, and the identification information of the target card is used for determining information of a second resource transfer account bound with the target card;

the sending module is used for sending the first resource transfer request aiming at the target card to the cloud server.

In one possible implementation manner, the sending module is configured to send the first resource transfer request for the target card to a front-end server, and the front-end server sends the first resource transfer request for the target card to the cloud server.

In one possible implementation, the apparatus further includes:

the receiving module is used for receiving the resource transfer information sent by the cloud server, wherein the resource transfer information comprises the identification information of the target card, the second resource transfer quantity and the information of a third resource transfer account;

and the transferring module is used for transferring the resources of the second resource transfer quantity in the third resource transfer account to a fourth resource transfer account of the target card when the identification information of the target card is detected.

In one possible implementation manner, the receiving module is further configured to receive a resource transfer result of the target card sent by the cloud server;

the apparatus further comprises:

and the display module is used for displaying the resource transfer result of the target card.

In another aspect, a computer device is provided, the computer device including a processor and a memory, the memory storing at least one program code, the at least one program code loaded and executed by the processor to implement any of the above-described resource transfer methods.

In another aspect, there is provided a computer readable storage medium having stored therein at least one program code loaded and executed by a processor to implement any of the above described resource transfer methods.

The technical scheme provided by the embodiment of the application at least has the following beneficial effects:

the cloud server sends a first resource transfer request aiming at the target card to the target server, and the target server transfers the first target resource in the second resource transfer account bound with the target card to the first resource transfer account for receiving the resource, so that the resource transfer process based on the target card is completed. Based on the above process, under the condition that the local account of the target card is not recharged, resource transfer can still be performed based on the target card, the resource transfer process is flexible, and the success rate of resource transfer is improved.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for the description of the embodiments will be briefly described below, and it is apparent that the drawings in the following description are only some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

FIG. 1 is a schematic diagram of an implementation environment of a resource transfer method according to an embodiment of the present application;

FIG. 2 is a flowchart of a resource transfer method according to an embodiment of the present application;

fig. 3 is a schematic logic structure diagram of a terminal, a front-end server and a cloud server according to an embodiment of the present application;

fig. 4 is a schematic diagram of a processing system in a cloud server according to an embodiment of the present application;

FIG. 5 is a schematic diagram of an interface for binding a target card with a mobile account according to an embodiment of the present application;

FIG. 6 is a schematic diagram of a process for transferring resources based on a first resource transfer request according to an embodiment of the present application;

FIG. 7 is a schematic diagram of a logic flow for transferring resources based on a first resource transfer request according to an embodiment of the present application;

FIG. 8 is a flowchart of a resource transfer method according to an embodiment of the present application;

FIG. 9 is a schematic diagram of a process for transferring resources to a fourth resource transfer account of a target card according to an embodiment of the present application;

FIG. 10 is a schematic diagram of a resource transferring device according to an embodiment of the present application;

FIG. 11 is a schematic diagram of a resource transferring device according to an embodiment of the present application;

FIG. 12 is a schematic diagram of a resource transfer device according to an embodiment of the present application;

FIG. 13 is a schematic diagram of a resource transfer device according to an embodiment of the present application;

Fig. 14 is a schematic structural diagram of a resource transferring device according to an embodiment of the present application;

fig. 15 is a schematic structural diagram of a resource transferring device according to an embodiment of the present application.

Detailed Description

For the purpose of making the objects, technical solutions and advantages of the present application more apparent, the embodiments of the present application will be described in further detail with reference to the accompanying drawings.

With the development of technology, a cartoon card is used in a wider and wider field, for example: entrance guard, attendance, dining, consumption, parking lot access, check-in, elevator use and the like. The manner of resource transfer based on a cartoon card is also common. Typically, the local account of a card needs to be recharged with cash or a bank card bound to the card prior to resource transfer based on the card. And then in the process of transferring the resources based on the one-card, the terminal transfers the resources from the local account of the one-card to the merchant account. Under the condition that the local account of the one-card is not recharged, the resource transfer cannot be performed based on the one-card, so that the limitation of the resource transfer is high, and the failure rate of the resource transfer is high.

In this regard, an embodiment of the present application provides a resource transfer method, please refer to (1) in fig. 1, which illustrates a schematic diagram of an implementation environment of the resource transfer method provided in the embodiment of the present application. The implementation environment may include: a terminal 11 and a cloud server 12.

The terminal 11 may obtain a resource transfer request for the card, send the resource transfer request to the cloud server 12, and the terminal 11 may also receive and display a resource transfer result of the card. The cloud server 12 may receive the resource transfer request for the card sent by the terminal 11, and then send the resource transfer request to a third party server, where the third party server completes the resource transfer process. The cloud server 12 may also obtain a resource transfer result of the card, and send the resource transfer result of the card to the terminal 11.

In one possible implementation, the terminal 11 may be a terminal capable of identifying a card, for example a POS (point of sale) terminal; the cloud server 12 may be a server, a server cluster formed by a plurality of servers, or a cloud computing service center. The terminal 11 establishes a communication connection with the cloud server 12 through a wired or wireless network.

In one possible implementation, as shown in (2) in fig. 1, the implementation environment of the resource transfer method may further include a front-end server 13. The front end server 13 may receive the resource transfer request for the card sent by the terminal 11, and then send the received transaction request to the cloud end server 13 in batches. The front-end server 13 may also receive the resource transfer result of the card sent by the cloud server, and send the resource transfer result of the card to the terminal 11.

In one possible implementation, the front-end server 13 may be a server, a server cluster including a plurality of servers, or a cloud computing service center. The terminal 11 establishes communication connection with the front-end server 13 through a wired or wireless network, and the front-end server 13 establishes communication connection with the cloud server 12 through a wired or wireless network.

It should be understood by those skilled in the art that the above-mentioned terminal 11, cloud server 12 and front-end server 13 are only examples, and that other terminals or servers that are currently available or may be available in the future are also included within the scope of the present application and are incorporated herein by reference.

Based on the implementation environment shown in fig. 1, the embodiment of the application provides a resource transfer method, which is applied to an interaction process of a terminal and a cloud server. As shown in fig. 2, the method provided by the embodiment of the present application may include the following steps:

In step 201, the target terminal obtains a first resource transfer request for a target card.

The target terminal refers to any terminal capable of identifying a card, for example, any POS terminal. The target card refers to any card capable of realizing resource transfer, for example, any one-card or the like. The target card may be a contact type IC card (Integrated Circuit Card ) or a non-contact type IC card, which is not limited in the embodiment of the present application. In the embodiment of the application, a user who uses the target card to transfer resources is taken as a first user.

The first resource transfer request for the target card includes, but is not limited to, identification information of the target card, a first resource transfer amount, and information of the first resource transfer account. The identification information of the target card refers to information that uniquely identifies the target card, for example, a card number of the target card. The identification information of the target card is used to determine information of the second resource transfer account bound to the target card, that is, information of the second resource transfer account bound to the target card can be determined based on the identification information of the target card. The second resource transfer account is a mobile account which signs a binding protocol with the target card. The first resource transfer number refers to the number of resources to be transferred in the first resource transfer request. The first resource transfer account refers to an account for collecting a first resource transfer amount of resources. The information of the first resource transfer account may refer to information such as an account name, an account ID (Identity document, identification number) and the like of the first resource transfer account. For example, taking a resource as a fund and taking a resource transfer process as a fund payment process for commodity transaction by using a target card as an example, the first resource transfer request refers to a fund payment request, the first resource transfer amount refers to a fund amount to be paid, the first resource transfer account refers to an account of a merchant, and the information of the first resource transfer account refers to information of the merchant.

A merchant supporting resource transfers using target cards deploys at least one target terminal and stores information of the merchant's account in each of the deployed target terminals. Thus, the target terminal may directly obtain the information of the first resource transfer account from the local storage. The target terminal can identify the target card, thereby acquiring the identification information of the target card. The first resource transfer amount may be set by an operator of the target terminal. According to the above process, the target terminal can obtain the first resource transfer request. Next, a process of the target terminal obtaining the first resource transfer request is described by taking a resource as a fund and a resource transfer process as a fund payment process for commodity transaction using the target card as an example:

the first user selects the required commodity, then the operator of the target terminal obtains the total amount of the target selected by the first user, the total amount is input into the target terminal, and the target terminal can take the amount input by the operator as the amount of funds to be paid (the first resource transfer amount) of the transaction. The manner in which the operator obtains the total amount of the commodity selected by the first user may be to obtain the total amount manually calculated or may be to obtain the total amount calculated by the computer device, which is not limited in the embodiment of the present application.

After the target terminal displays the amount to be paid, the first user can take out the target card to approach or contact the target terminal. When the target card is a contact IC card, the target user needs to contact the target card with the card identification area of the target terminal; when the target card is a non-contact IC card, the target user only needs to approach the target card to the card recognition area of the target terminal. The target terminal can recognize the identification information of the target card. The target terminal may then extract information of the merchant's account (information of the first resource transfer account) from the local store, taking the identification information of the target card, the amount of funds to be paid, and the information of the merchant's account as a funds payment request (first resource transfer request) for the target card.

In step 202, the target terminal sends a first resource transfer request for the target card to the cloud server.

After acquiring the first resource transfer request for the target card, the target terminal can send the first resource transfer request for the target card to the cloud server so that the cloud server can perform a subsequent resource transfer process based on the first resource transfer request.

In one possible implementation manner, the process that the target terminal sends the first resource transfer request for the target card to the cloud server is: the target terminal sends a first resource transfer request aiming at the target card to the front-end server, and the front-end server sends the first resource transfer request aiming at the target card to the cloud server.

In the process of realizing resource transfer, the cloud server establishes communication connection with at least one front-end server, and each front-end server establishes communication connection with at least one terminal. The terminal is used for acquiring a resource transfer request and sending the resource transfer request to the front-end server; the front-end server is used for storing the resource transfer requests and sending the stored resource transfer requests to the cloud server in batches according to the set time interval; the cloud server is used for carrying out a subsequent resource transfer process based on the received resource transfer request. The terminal carries out quick interaction with the front-end server through the local area network, so that the consumption speed at the concurrent consumption peak time is ensured; meanwhile, the front-end server and the cloud end server are kept asynchronous and synchronous, and the cloud end server is used for docking the mobile payment platform to achieve user identity management and mobile payment docking.

In the card-based commodity transaction, the complete transaction process includes two processes of commodity transfer and funds payment (resource transfer). Through the logic structures of the terminal, the front-end server and the cloud server, the front-end server can record fund payment information first and inform an operation manager of the terminal of providing corresponding commodities for card users. And then the front-end server sends the fund payment request (first resource transfer request) to the cloud end server in batches, so that asynchronous synchronization between the front-end server and the cloud end server is realized. And then the cloud server is abutted to the mobile payment platform to complete the fund payment process. By the method, commodities are provided for the card user when only fund payment information is recorded and fund payment process is not completed, so that the consumption speed in the case of consumption peak can be effectively improved.

In an actual application scenario, the logic structures of the terminal, the front-end server and the cloud server may be as shown in fig. 3, where different schools have different terminals and front-end servers, and different scenes of the same school have different front-end servers and terminals that establish communication connection with the front-end servers. Scene 1, scene 2 and scene 3 in school 1 are respectively provided with a front-end server, and each front-end server is connected with a plurality of terminals such as terminal 1, terminal 2 and terminal n; scene 1 and scene 2 in school 2 each have one front-end server, and each front-end server is connected with a plurality of terminals such as terminal 1, terminal 2, terminal n, and the like.

In the cloud server, a processing system is deployed. The main function of the processing system is to handle the data processing services and system management required in the resource transfer operation. The method is responsible for data representation mode, access mode, service logic organization mode, layer deployment, layer-to-layer interaction, service providing mode and exchange and adaptation with external systems in the data processing process. Multiple layers may be included in a processing system, e.g., an application layer, a presentation layer, a transport layer, a network layer, a physical layer, etc., with different layers being used to process different traffic. Taking a resource transfer process as an example of a funds payment process in a commodity transaction process, a schematic diagram of a processing system may be shown in fig. 4, in which the processing system includes a card support platform, a service engine, a device adapter, a database adapter, and a data exchange engine.

The device adapter is used for connecting various terminals capable of identifying the card, such as a card swiping terminal, so that different terminals can establish communication connection with the processing system.

The data exchange engine is used for connecting the shared database with other applications so as to realize the transmission of data in the shared database between the cloud server and the other applications. The shared database includes data in the cloud server that can be shared with other applications, generally referred to as non-private data. The shared database may be made up of portions of data in the business database. Wherein the service database comprises all data involved in the service processing.

The database adapter is used for normalizing the data in the service database. Because the cloud server is in butt joint with different third party payment systems, the rules for generating payment data in the different third party payment systems are different, so the business database comprises the payment data with different rules generated in the different third party payment systems, and in order to be processed by the processing system, the payment data with different rules needs to be converted into the payment data with unified rules by the database adapter. The unified rule may be set empirically, or may be freely adjusted according to an application scenario, which is not limited in the embodiment of the present application. The payment data of different rules may refer to different types of payment data, or may refer to the same type of payment data of different standards, which is not limited in the embodiment of the present application.

Card support platforms are used to support a wide variety of applications, providing multiple ports for interfacing with different centers or systems. Illustratively, the plurality of ports provided by the card support platform may interface with a service monitoring center, a device monitoring center, a face voice touch screen system, an application management center, a user management system, an accounting system, a mobile payment system, and a business charging system, respectively. The mobile payment system herein replaces the external financial system in the related art, which refers to a bank transfer system and a load system. The mobile payment system herein refers to a payment system corresponding to a mobile payment account. The card support platform can provide different services for different personalized application platforms by docking different centers or systems.

The service engine is used to provide various service functions including, but not limited to, authentication service, comprehensive query service, application access service, system docking service, device access service, device monitoring service, account transfer service, payment transaction service, management settlement service, public service, message broadcast service, and data access service. Different services may be provided by the same module or by different modules, which is not limited in this embodiment of the application. It should be noted that the payment transaction service may provide a funds flow service and an information flow service during a funds payment transaction. The information flow services are used to provide mobile terminals including, but not limited to, a timely messaging service, a payment result feedback service, and other additional services.

In summary, compared with the common processing system, the processing system in the embodiment of the application has the following three significant differences: firstly, reserving a port for docking with a mobile payment system at an application support module of a card support platform, wherein an external financial system in the related art is mainly docked with a bank transfer system or a load system; second, in the payment transaction service of the service engine module, since the mobile payment has an additional information flow part added compared with the conventional card payment, it is necessary to additionally provide instant messaging, payment feedback and other additional services; thirdly, the adaptation part of the database is provided with an additional database adapter for carrying out normalization processing of the whole account when all data docking are integrated because the fund payment data rules of different systems are different due to the fact that the mobile payment is docked with an external third party payment system.

In step 203, the cloud server receives a first resource transfer request for a target card sent by a target terminal.

After the target terminal sends the first resource transfer request for the target card to the cloud server, the cloud server can receive the first resource transfer request for the target card.

In one possible implementation manner, the cloud server receives the first resource transfer request for the target card in the following manner: the cloud server receives a first resource transfer request for a target card, which is sent by a target terminal through a front-end server. The front-end server is used for acquiring a first resource transfer request for the target card sent by the target terminal, and sending the first resource transfer request for the target card to the cloud server when the time interval from the time stamp of the previous resource transfer request reaches a reference time interval. Because the front-end server sends the first resource transfer request once every other reference time interval, the cloud server receives the first resource transfer request for the target card asynchronously with the target terminal sending the first resource transfer request for the target card.

After receiving the first resource transfer request for the target card, the cloud server can verify the target card based on the identification information of the target card. The verification process may be: based on the identification information of the target card, inquiring a binding protocol corresponding to the identification information of the target card. If there is a binding protocol corresponding to the identification information of the target card, the verification is passed, and step 204 is executed; if the binding protocol corresponding to the identification information of the target card does not exist, verification is failed, at this time, error reporting information can be sent to all front-end servers, the error reporting information is used for prompting that the transaction of the target card is not completed, and the front-end servers can synchronize the error reporting information to each terminal, so that when any terminal detects the identification information of the target card, error reporting prompts are displayed to prompt a target user that the last resource transfer process is required to be completed, and other resource transfer processes can be performed.

Before the verification process is implemented, the cloud server needs to store the corresponding relation between the identification information of each card and the binding protocol. The correspondence between the identification information of each card and the binding protocol can be obtained and sent by the mobile terminal. In the embodiment of the application, the corresponding relation between the identification information of the target card and the account binding protocol is stored in the cloud server. The user with the account signing the binding protocol is taken as a second user, which may be the same as the first user or different from the first user, and the embodiment of the present application is not limited to this. Next, a procedure for the second user to sign a binding agreement of the target card with the mobile account (second resource transfer account) at the mobile terminal will be described.

Taking the place using the target card as an example for middle school, most students in middle school cannot carry and use mobile terminals such as mobile phones, so that the consumption scene is mainly the card.

The process of binding the target card to the mobile account may be as shown in fig. 5. The binding process may occur at a second user's mobile terminal that installs an application or web page that enables the binding process of the target card with the mobile account. The binding process may be divided into steps 1 to 5 including:

Step 1: the mobile terminal acquires target triggering operation of the second user, and displays the first binding page based on the target triggering operation of the second user.

The target trigger operation refers to a trigger operation for the binding process. The first binding page is a page for selecting a school.

The manner in which the mobile terminal obtains the target trigger operation of the second user includes, but is not limited to, the following two types:

in the mode 1, when the mobile terminal detects an access operation to the binding website, a target triggering operation is acquired.

Wherein, the binding website refers to a website linked to the binding page. The binding website can be input by the second user in the browser or can be sent to the mobile terminal by other terminals. For the case that the binding website is input in the browser by the second user, when detecting that the second user inputs the website and triggering the confirmation button, the mobile terminal can detect the access operation to the binding website; in the case that the binding website is sent to the mobile terminal by the other terminal, when the clicking operation of the second user on the binding website is detected, the mobile terminal can detect the access operation on the binding website.

And 2, when the mobile terminal detects the triggering operation on the target application program, acquiring the target triggering operation.

The target application program refers to an application program capable of realizing a binding process of the card and the mobile account.

After the target triggering operation is obtained, the mobile terminal displays the first binding page so that the second user can select the target school. The target school is a card issuing school of the target card to be bound, namely a school where a card holding student of the target card to be bound is located. Different schools have different school databases. By selecting the target school, the query scope can be reduced, and the data crossing problem among different schools can be avoided.

For example, as shown in (1) of fig. 5, the first binding page may display a text prompt of "please select your school" and the name of four schools for the second user to select on the first binding page. The names of the four schools are "first experiment middle school", "second experiment middle school", "third experiment middle school", and "fourth experiment middle school", respectively, in which the second user can select a target school.

Step 2: and displaying the second binding page based on the school confirmation instruction in the first binding page.

The second binding page is a page for filling in registration information. The registration information includes information of a card holding student of the target card to be bound and information of a second user, the information of the card holding student of the target card to be bound includes but is not limited to a student name, a student number and a student class, and the information of the second user includes but is not limited to communication number information, a verification code and the like. According to the process, the relevant information of the target card corresponding to the student information can be accurately positioned based on the filled information of the card holding student of the target card to be bound, and the information of the mobile account available for binding is acquired based on the information of the second user.

In one possible implementation, the identity selection page may be presented for the second user to select his identity before the second binding page is presented. The identity includes, but is not limited to, parents, students themselves, teachers, and the like. For example, the identity selection page may display two buttons on the identity selection page, i am parent and i am teacher, for triggering, as shown in (2) of fig. 5. When the triggering operation of any button is detected, the mobile terminal jumps to a second binding page shown in (3) in fig. 5, an input box requiring the second user to fill in information is displayed on the second binding page, a button for acquiring the verification code is displayed beside the input box of the communication number, and when the triggering instruction of the button is detected, the mobile terminal can send a request for acquiring the verification code to a background server, and the background server sends the verification code to the terminal of the communication number.

Step 3: and displaying the third binding page based on the registration information confirmation instruction in the second binding page.

The third binding page is a page showing the related information of the target card corresponding to the student information.

In one possible implementation manner, before the third binding page is displayed, the mobile terminal obtains information filled in the second binding page based on the information confirmation instruction in the second binding page, sends the obtained information to the background server, and verifies the information by the background server. Authentication of the background server includes, but is not limited to: and verifying the information of the student and the information of the second user. The method for verifying the student information can be as follows: based on the student database, verifying whether the acquired information such as student name, student number and student class is matched with the data in the student database, if so, the verification is passed, otherwise, the verification is not passed. The method for verifying the information of the second user may be: and verifying whether the verification code input by the second user is consistent with the verification code sent by the background server, if so, passing the verification, otherwise, not passing the verification.

When all the information passes the verification, the background server can feed back the relevant information of the target card corresponding to the student information to the mobile terminal. The mobile terminal can generate a virtual card based on the information fed back by the background server, and display the virtual card on the third binding page. The third binding page may also present related operations that can be performed on the virtual card. Such as inquiry balance details, card binding, card loss reporting, inquiry card master information, etc. The cardholder name, card balance, yesterday's total amount, etc. may be displayed on the virtual card. For example, the third binding page may be as shown in (4) of fig. 5.

Step 4: and displaying the fourth binding page based on the card binding confirmation instruction in the third binding page.

The fourth binding page is a page for acquiring the card number of the target card. And the fourth binding page displays a card number input box for a second user to input the card number of the target card to be bound. For example, the fourth binding page may be as shown in (5) of fig. 5.

In order to complete the binding of the target card and the mobile account, the second user needs to input the card number of the target card in the fourth binding page. It should be noted that, the related information corresponding to the target card displayed in the third binding page does not include the card number of the physical target card. The target card number needs to be manually input by the second user to bind the physical target card with the mobile account.

Step 5: and displaying the fifth binding page based on the card number information confirmation instruction in the fourth binding page.

The fifth binding page is a page for signing a password-free binding protocol. The password-free deduction means that when the resource transfer is carried out, the resource transfer can be realized without inputting a transfer password into the mobile terminal.

After the confirmation instruction of the card number information is acquired, the mobile terminal displays a fifth binding page, and the second user can sign a delegated buckling binding protocol of the mobile account on the fifth binding page, so that the target card and the mobile account of the second user are bound in a related mode.

The fifth binding page may also display information of the registered account number of the second user and the card number on the fifth binding page as shown in (6) of fig. 5. The registered account number may be a communication number input by the second user on the third binding page, and the information of the registered account number displayed here may be a part of the communication number, for example, the last four digits of the communication number, etc.

In the fifth binding page, the second user may select a mobile account for binding. It should be noted that, the mobile account may refer to any mobile account in any application program bound to the communication number of the second user, which is not limited in the embodiment of the present application. In the application, there may be a plurality of mobile accounts, among which the second user may select one for binding with the target card; the second user may also take the mobile account ranked first in the default ranking order as the mobile account bound to the target card. The fifth binding page may also literally prompt the second user that the fee would be deducted from the other mobile accounts of any of the applications after the fee deduction failure of the displayed mobile account. For example, as shown in (6) of fig. 5, the prompt may be "pay preferentially from the selected mobile account, and pay from other mobile accounts will be paid when the pay is failed. When the second user triggers the button for opening the password-free deduction, the second user signs a binding protocol between the target card and the mobile account A, and the fee deduction mode is specified as the password-free deduction mode in the binding protocol.

Through the steps 1 to 5, the mobile terminal can obtain the binding protocol between the card number of the target card and the mobile account, that is, obtain the corresponding relationship between the identification information of the target card and the binding protocol. And then the mobile terminal can send the corresponding relation between the identification information of the target card and the binding protocol to the cloud server. And the cloud server receives and stores the corresponding relation between the identification information of the target card and the binding protocol.

In step 204, the cloud server determines information of a second resource transfer account bound to the target card based on the identification information of the target card.

The second resource transfer account is a mobile account which signs a binding protocol with the target card. The mobile account refers to an account in the mobile terminal, and resource transfer is carried out based on the mobile account, so that the resource transfer by using the mobile terminal can be realized, and the resource transfer process is flexible.

When a binding protocol corresponding to the identification information of the target card exists, the cloud server can determine information of a second resource transfer account bound with the target card in the binding protocol. The information of the second resource transfer account may include information of a name, an ID, an account type, and the like of the second resource transfer account.

A target server corresponding to the second resource transfer account may be determined based on the information of the second resource transfer account. For example, when the second resource transfer account is a local account of application A, the target server may be determined to be a background server of application A.

In one possible implementation manner, after determining the information of the second resource transfer account bound to the target card, the cloud server may query whether there is a target resource transfer manner matching the account type of the second resource transfer account. If so, the first resource transfer request may be updated according to the target resource transfer manner. The update process may be: determining a third resource transfer quantity based on the target resource transfer mode and the first resource transfer quantity; and updating the first resource transfer quantity in the first resource transfer request to a third resource transfer quantity to obtain an updated first resource transfer request.

Taking the resource as funds and the resource transfer process as a funds payment process for commodity transaction by using a target card as an example, the target resource transfer mode refers to a target preferential mode. The offer is used to indicate an offer policy that may be enjoyed when the funds are paid using the specified type of account. The offers may be formulated by the merchant and uploaded to the cloud server. The information of the first resource transfer account can indicate a merchant to which the first resource transfer account belongs, merchant information can be determined according to the information of the first resource transfer account, and then whether a target preferential manner which is uploaded by the merchant and matched with the account type of the second resource account exists or not can be inquired. Illustratively, whether there is a target coupon process uploaded by the merchant that matches the account type of the second resource account may be: firstly, inquiring whether a preferential mode corresponding to merchant information exists or not; if so, inquiring whether a target preferential manner matched with the account type of the second resource account exists in all preferential manners corresponding to the merchant information.

After determining the target preferential manner, the cloud server may determine the funds amount (third resource transfer amount) actually required to be paid according to the target preferential manner, and then update the funds amount (first resource transfer amount) to be paid in the funds payment request (first resource transfer request) to the funds amount (third resource transfer amount) actually required to be paid, so as to obtain an updated funds payment request (updated first resource transfer request). For example, the cloud server may determine, according to the target preference manner, the amount of funds actually required to be paid, by: and the cloud server calculates the fund amount to be actually paid according to the preferential proportion indicated by the target preferential mode and the fund amount to be paid. For example, assuming that the offer ratio is 10% and the amount of funds to be paid is 100 yuan, the amount of funds actually required to be paid is 90 yuan.

In step 205, the cloud server sends a first resource transfer request to a target server corresponding to a second resource transfer account.

After determining the target server based on the information of the second resource transfer account, the cloud server can send the first resource transfer request to the target server. The target server is used for transferring first target resources in the second resource transfer account to the first resource transfer account, wherein the first target resources are resources of a first resource transfer quantity.

In one possible implementation manner, the process of sending the first resource transfer request to the target server by the cloud server is: the cloud server sends the first resource transfer request to gateway equipment of the target server, and the gateway equipment of the target server sends the first resource transfer request to the target server. The gateway device of the target server may perform a preliminary audit on the first resource transfer request, and send the first resource transfer request to the target server after the audit passes. The preliminary audit may refer to audit of whether the first resource transfer request includes necessary information, such as the first resource transfer quantity, information of the first resource transfer account, and the like.

In one possible implementation manner, for a case that a target resource transfer manner exists, the cloud server may send the updated first resource transfer request to the target server. In this case, after receiving the updated first resource transfer request, the target server transfers a third target resource in the second resource transfer account to the first resource transfer account, where the third target resource is a third resource transfer number of resources.

And after the target server finishes the resource transfer process, obtaining a resource transfer result. And then the resource transfer result can be fed back to the cloud server. The resource transfer result fed back by the target server is sent by the target server and is used for indicating whether the resources in the second resource transfer account have been transferred to the first resource transfer account. The resource transfer result fed back by the target server comprises the success of resource transfer and the failure of resource transfer.

After receiving the resource transfer result fed back by the target server, the cloud server can acquire the resource transfer result of the target card. The resource transfer result of the target card refers to the result of the whole process of transferring the resource based on the target card.

In one possible implementation manner, the manner in which the cloud server obtains the resource transfer result of the target card may include the following two ways:

mode one: and when the resource transfer result fed back by the target server indicates that the resource transfer fails, directly acquiring the resource transfer result of the target card. At this time, the resource transfer result of the target card is that the resource transfer of the target card fails.

Mode two: when the resource transfer result fed back by the target server indicates that the resource transfer is successful, the cloud server can acquire resource variation information of the first resource transfer account based on the resource transfer result fed back by the target server; and determining a resource transfer result of the target card based on the resource variation information of the first resource transfer account.

The resource transfer result fed back by the target server comprises information of the first resource transfer account, and the cloud server can acquire resource variation information of the first resource transfer account based on the information of the first resource transfer account. The resource change information includes information such as a resource change time and a resource change amount.

In one possible implementation manner, the cloud server obtains the resource variation information of the first resource transfer account, which includes but is not limited to the following two ways:

mode 1: the cloud server directly extracts resource variation information of the first resource transfer account from the database.

Mode 2: the cloud server interacts with the server corresponding to the first resource transfer account to obtain resource change information of the first resource transfer account fed back by the server corresponding to the first resource transfer account.

The interaction process may be: the cloud server sends a query instruction to a server corresponding to the first resource transfer account; the server corresponding to the first resource transfer account inquires the resource change information of the first resource transfer account based on the inquiry instruction; the server corresponding to the first resource transfer account sends response information carrying resource change information of the first resource transfer account to the cloud server; therefore, the cloud server acquires the resource variation information of the first resource transfer account.

In one possible implementation manner, the process of determining the resource transfer result of the target card by the cloud server based on the resource variation information of the first resource transfer account may be: and the cloud server matches the resource transfer result with the resource change information of the first resource transfer account, and determines the resource transfer result of the target card based on the matched result. If the matching result is successful, the resource transfer result of the target card is successful; if the matching result is that the matching fails, the resource transfer result of the target card is that the resource transfer of the target card fails.

In one possible implementation, the conditions for successful matching are: the time stamp of the latest one of the resource change information of the first resource transfer account is after the time stamp of the resource transfer result fed back by the target server, and the change amount of the latest one of the change information is the same as the resource transfer amount of the resource transfer result fed back by the target server. When the conditions are met at the same time, the result of the matching is the successful matching; when the above condition is not satisfied, the result of the matching is a failure of the matching.

And the cloud server sends the resource transfer result of the target card to the target terminal after obtaining the resource transfer result of the target card. The transmission process may be: the cloud server sends the resource transfer result of the target card to a front-end server connected with the target terminal, and the front-end server sends the resource transfer result of the target card to the target terminal.

The target terminal receives the resource transfer result of the target card sent by the cloud server, and displays the resource transfer result of the target card, so that an operator of the target terminal can know whether the resource transfer is successful or not. In one possible implementation manner, the target terminal receives a resource transfer result of the target card sent by the cloud server through the front-end server.

In one possible implementation manner, when the resource transfer result of the target card is that the resource transfer of the target card fails, the cloud server sends the resource transfer result of the target card to all front-end servers, and all front-end servers synchronize the resource transfer result of the target card to all terminals so that each terminal stores the resource transfer failure result of the target card, and when the target card is detected, error reporting is performed.

In one possible implementation manner, after obtaining the resource transfer result of the target card, the cloud server may obtain the feedback information based on the resource transfer result of the target card; and sending the feedback information to the mobile terminal corresponding to the second resource transfer account. The mobile terminal may refer to a terminal of a user to whom the second resource transfer account belongs. The feedback information includes, but is not limited to, information such as a resource transfer result of the target card, a target resource transfer mode, point change data, and a resource transfer quantity.

In summary, the process of transferring resources based on the first resource transfer request may be as shown in fig. 6, and the process includes the following steps: 1. the target terminal acquires a first resource transfer request aiming at a target card; 2. the target terminal sends a first resource transfer request to a cloud server; 3. the method comprises the steps that a device access service module of a cloud server receives a first resource transfer request, a target server is determined based on the first resource transfer request, and the first resource transfer request is sent to gateway devices corresponding to the target server; 4. the gateway equipment sends a first resource transfer request to a target server; 5. the target server transfers the first target resource in the second resource transfer account to the first resource transfer account based on the first resource transfer request to obtain a resource transfer result, and the resource transfer result is sent to the gateway equipment; 6. the gateway equipment sends the resource transfer result to the cloud server; 7. the equipment access service module of the cloud server sends a successful resource transfer result fed back by the target server to the account transfer service module, and the account transfer service module judges whether the first target resource is successfully transferred to the first resource transfer account or not based on the database; 8. after the first target resource is determined to be successfully transferred to the first resource transfer account, the account transfer and accounting service module sends a confirmation instruction to the message broadcasting service module; 9. the message broadcast service module sends a resource transfer result of the target card for indicating successful resource transfer of the target card to the equipment access service module; 10. and the equipment access service module sends the resource transfer result of the target card to the target terminal.

In implementing the resource transfer shown in fig. 6, there is a logic flow of resource transfer based on the first resource transfer request as shown in fig. 7. The target terminal acquires a first resource transfer request and sends the first resource transfer request to a front-end server; the front-end server stores the first resource transfer request and sends the first resource transfer request to the cloud server according to the reference time interval; at this time, the cloud server needs to determine whether the front-end server successfully transmits the first resource transfer request to the cloud server, if not, error processing is performed, if the transmission is successful, the cloud server performs protocol signing verification on the target card in the first resource transfer request, determines whether the target card signs a binding protocol, if not, error processing is performed, and if signed, step 3 to step 6 in fig. 6 are performed to implement resource transfer service processing; after the resource transfer service processing is finished, the data generated in the resource transfer service processing process is required to be forwarded to a database, at the moment, the account transfer service module judges whether the forwarding is successful, if the forwarding is successful, a resource transfer result of the target card with a successful result is obtained, and if the forwarding is unsuccessful, error processing is carried out. And obtaining a resource transfer result of the failed target card after error processing. Thereby, the resource transfer process ends.

It should be noted that, in addition to performing resource transfer based on the first resource transfer request, resource transfer may also be performed based on the second resource transfer request, and the resource transfer process may refer to the embodiments shown in steps 801 to 805.

In the embodiment of the application, the cloud server sends a first resource transfer request aiming at the target card to the target server, and the target server transfers the first target resource in the second resource transfer account bound with the target card to the first resource transfer account for receiving the resource, thereby completing the resource transfer process based on the target card. Based on the above process, under the condition that the local account of the target card is not recharged, resource transfer can still be performed based on the target card, the resource transfer process is flexible, and the success rate of resource transfer is improved.

Based on the implementation environment shown in fig. 1, the embodiment of the application provides a resource transfer method, which is applied to an interaction process of a target terminal and a cloud server. As shown in fig. 8, the method provided by the embodiment of the present application may include the following steps:

in step 801, a cloud server receives a second resource transfer request for a target card.

The second resource transfer request includes, but is not limited to, identification information of the target card, the second resource transfer amount, and information of a third resource transfer account of the target card. The second resource transfer number refers to the number of resources to be transferred in the second resource transfer request. The third resource transfer account refers to an account for receiving the second resource transfer amount of resources. For example, taking a resource as a fund and taking a resource transfer process as a process of recharging a target card as an example, the second resource transfer request refers to a recharging request, the second resource transfer quantity refers to a fund amount to be recharged, and the third resource transfer account refers to a recharging account of the target card.

The second resource transfer request for the target card may be sent to the cloud server by any terminal that may initiate the recharging process. The terminal that may initiate the recharging process may be referred to as a self-service recharging terminal or a mobile terminal, which is not limited in this embodiment of the present application. Next, taking the terminal initiating the recharging process as a self-service recharging terminal as an example, introducing a process that the self-service recharging terminal obtains a second resource transfer request aiming at the target card.

And displaying a recharging icon in an interface of the self-service recharging terminal, and displaying the recharging interface when the self-service recharging terminal detects the triggering operation of the recharging icon, wherein information required in the recharging process is displayed in the recharging interface, including but not limited to card holding user information of a target card to be recharged, identification information of the target card, the fund amount (second resource transfer quantity) to be recharged, a recharging password and the like.

The card holding user information of the target card and the identification information of the target card can be manually input by a recharging user, or can be automatically acquired by a self-service recharging terminal through an OCR (Optical Character Recognition ) technology, and the embodiment of the application is not limited to the above. The fund amount to be recharged can be manually input by a recharging user, and the fixed fund amount to be recharged corresponding to the target card can be automatically acquired and displayed when the self-service recharging terminal acquires the target card identification information. The recharge password requires manual entry by the recharge user.

And when the information filling of the recharging interface is detected to be finished and the confirmation instruction is detected, the self-service recharging terminal acquires a recharging request (second resource transfer request) of the target card. And the self-service recharging terminal sends the recharging request to the cloud server so that the cloud server responds to the recharging request.

After receiving the second resource transfer request for the target card, the cloud server may perform validity verification on the second resource transfer request, and execute step 802 again when the validity verification of the second resource transfer request passes. Taking the second resource transfer request as the recharging request as an example, the process of verifying the validity of the recharging request (second resource transfer request) will be described. The validity verification process may include the following three steps:

Step 1, verifying whether the card holding user information and the identification information of the target card are matched or not under the condition that the card holding user information and the identification information of the target card are manually input by a recharging user, if not, the validity verification is not passed, and if so, the step 2 is continuously executed.

And 2, verifying whether the recharging password is correct.

Inquiring a preset recharging password corresponding to the target card based on the identification information of the target card, matching the preset recharging password with the recharging password input by a recharging user, if the preset recharging password is not matched with the recharging password, not passing the validity verification, and if the preset recharging password is matched with the recharging password, continuing to execute the step 3.

And step 3, verifying whether the target card has a binding protocol corresponding to the target card, if not, the validity verification is not passed, and if so, the validity verification is passed.

After the validity verification process, if the validity verification is passed, the second resource transfer account corresponding to the target card and the target server corresponding to the second resource transfer account may be determined based on the binding protocol, and the process may refer to step 204, which is not repeated herein.

In step 802, the cloud server sends a second resource transfer request to the target server.

This step may be referred to as step 205, and will not be described here.

And after receiving the second resource transfer request, the target server transfers the second target resource in the second resource transfer account to a third resource transfer account. The second target resource is a resource of a second resource transfer quantity. And then the target server sends a resource transfer result to the cloud server. The cloud server obtains the resource variation information of the third resource transfer account, and if the resource variation information of the third resource transfer account indicates that the second resource transfer amount of the resources in the third resource account is increased, step 803 is executed.

In step 803, when it is determined that the second resource transfer amount of the resources is increased in the third resource transfer account, the cloud server sends the resource transfer information to the target terminal.

The resource transfer information includes, but is not limited to, identification information of the target card, the second resource transfer amount, and information of the third resource transfer account.

When it is determined that the second resource transfer amount of resources is increased in the third resource transfer account, it is indicated that the second resource transfer amount of resources has been successfully transferred to the third resource transfer account. And the cloud server sends the resource transfer information to the target terminal so that the target terminal can carry out a subsequent resource transfer process based on the resource transfer information.

In step 804, the target terminal receives the resource transfer information sent by the cloud server.

And after the cloud server sends the resource transfer information to the target terminal, the target terminal receives the resource transfer information and stores the resource transfer information.

In step 805, when the identification information of the target card is detected, the target terminal transfers the second resource transfer amount of the resources in the third resource transfer account to the fourth resource transfer account of the target card.

The fourth resource transfer account refers to a local account of the target card. The target terminal may transfer the resource finger merchant account directly in the local account of the target card.

When the target card contacts or approaches the target terminal, the target terminal detects the identification information of the target card, and then transfers the resources of the second resource transfer quantity in the third resource transfer account to the fourth resource transfer account of the target card. At this time, the local account resource transfer of the target card is successful, that is, the local account of the target card is successfully recharged.

After the local account is successfully recharged, the target terminal can directly complete the fund payment process in commodity transaction based on the local account.

It should be noted that, for the target card with the local account charged, when the funds payment process in the commodity transaction is performed, the funds payment may be performed according to the process shown in fig. 2, or may be performed based on the local account, which is not limited in the embodiment of the present application. In one possible implementation, the target terminal may store a correspondence relationship of the funds payment manner corresponding to the target card. For example, the funds payment may be made following the process shown in fig. 2 when networked, based on a local account when not networked, etc. The target terminal can judge the fund payment mode to be adopted according to the fund payment environment so as to complete the fund payment process.

In summary, the process of transferring resources to the fourth resource transfer account of the target card may be as shown in fig. 9. The process of transferring the resources to the fourth resource transfer account of the target card comprises the following steps: 1. the self-service recharging terminal initiates a second resource transfer request, and sends the second resource transfer request to the cloud server; 2. the equipment access service module of the cloud server receives the second resource transfer request, and the identity verification service module verifies the validity of the second resource transfer request; 3. after the verification is successful, the equipment access service module sends a second resource transfer request to gateway equipment of a target server corresponding to the second resource transfer account; 4. the gateway equipment sends a second resource transfer request to the target server; 5. the target server transfers the second target resource in the second resource transfer account to a third resource transfer account based on the second resource transfer request, and sends a resource transfer result to the gateway equipment; 6. the gateway equipment sends the resource transfer result to the cloud server; 7. the equipment access service module of the cloud server sends the resource transfer result to the account transfer service module, the account transfer service module judges whether the second resource transfer quantity of the resources is increased in the third resource transfer account, and when the second resource transfer quantity of the resources is increased in the third resource transfer account, the equipment access service module is informed; 8. the equipment access service module sends the resource transfer information to the target terminal and the self-service recharging terminal; 9. and when the target terminal detects the identification information of the target card, transferring the resources of the second resource transfer quantity from the third resource transfer account to a fourth resource transfer account of the target card.

In the embodiment of the application, the recharging of the fourth resource transfer account of the target card is realized through the resource transfer process, so that the target terminal can directly transfer resources in the fourth resource transfer account to the merchant account, the fund payment mode in commodity transaction is expanded, and the experience of a user is improved.

The embodiment of the application provides a resource transfer system, which comprises: cloud server and target terminal;

the target terminal is used for acquiring a first resource transfer request aiming at a target card, wherein the first resource transfer request comprises identification information of the target card, first resource transfer quantity and information of a first resource transfer account, and the identification information of the target card is used for determining information of a second resource transfer account bound with the target card; the method comprises the steps of sending a first resource transfer request aiming at a target card to a cloud server;

the cloud server is used for receiving a first resource transfer request aiming at a target card, which is sent by a target terminal; determining information of a second resource transfer account bound with the target card based on the identification information of the target card, wherein the second resource transfer account is a mobile account signing a binding protocol with the target card; and sending the first resource transfer request to a target server corresponding to the second resource transfer account, wherein the target server is used for transferring the first target resource in the second resource transfer account to the first resource transfer account, and the first target resource is the resource of the first resource transfer quantity.

Based on the same technical concept, referring to fig. 10, an embodiment of the present application provides a resource transferring apparatus, including:

a receiving module 1001, configured to receive a first resource transfer request for a target card sent by a target terminal, where the first resource transfer request includes identification information of the target card, a first resource transfer number, and information of a first resource transfer account;

a determining module 1002, configured to determine, based on identification information of the target card, information of a second resource transfer account bound to the target card, where the second resource transfer account is a mobile account that signs a binding protocol with the target card;

The sending module 1003 is configured to send the first resource transfer request to a target server corresponding to the second resource transfer account, where the target server is configured to transfer a first target resource in the second resource transfer account to the first resource transfer account, and the first target resource is a first resource transfer number of resources.

In one possible implementation manner, the receiving module 1001 is configured to receive a first resource transfer request for a target card sent by a target terminal through a front end server, where the front end server is configured to obtain the first resource transfer request for the target card sent by the target terminal, and send the first resource transfer request for the target card to the cloud server when a time interval from a time stamp of a previous time of sending the resource transfer request reaches a reference time interval.

In one possible implementation, the receiving module 1001 is further configured to receive a second resource transfer request for the target card, where the second resource transfer request includes identification information of the target card, the second resource transfer amount, and information of a third resource transfer account of the target card;

the sending module 1003 is further configured to send a second resource transfer request to a target server, where the target server is configured to transfer a second target resource in a second resource transfer account to a third resource transfer account, and the second target resource is a resource of a second resource transfer number;

The sending module 1003 is further configured to send, when determining that the second resource transfer amount of the resources in the third resource transfer account is increased, resource transfer information to the target terminal, where the resource transfer information includes identification information of the target card, the second resource transfer amount, and information of the third resource transfer account.

In one possible implementation, referring to fig. 11, the apparatus further includes:

a verification module 1004, configured to perform validity verification on the second resource transfer request;

the sending module 1003 is further configured to send the second resource transfer request to the target server when the validity of the second resource transfer request is verified.

In one possible implementation manner, the determining module 1002 is further configured to determine, based on the target resource transfer manner and the first resource transfer amount, a third resource transfer amount, where the target resource transfer manner is a resource transfer manner matched with an account type of the second resource transfer account;

referring to fig. 11, the apparatus further includes:

an updating module 1005, configured to update the first resource transfer amount in the first resource transfer request to a third resource transfer amount, to obtain an updated first resource transfer request;

the sending module 1003 is further configured to send the updated first resource transfer request to a target server corresponding to the second resource transfer account, where the target server is configured to transfer a third target resource in the second resource transfer account to the first resource transfer account, and the third target resource is a third resource transfer amount of resources.

an obtaining module 1006, configured to obtain resource variation information of the first resource transfer account based on a resource transfer result fed back by the target server;

the determining module 1002 is further configured to determine a resource transfer result of the target card based on the resource variation information of the first resource transfer account;

the sending module 1003 is further configured to send a resource transfer result of the target card to the target terminal.

In one possible implementation, the obtaining module 1006 is further configured to obtain feedback information based on a resource transfer result of the target card;

the sending module 1003 is further configured to send the feedback information to a mobile terminal corresponding to the second resource transfer account.

Based on the same technical concept, referring to fig. 12, an embodiment of the present application provides a resource transfer device, including:

an obtaining module 1201, configured to obtain a first resource transfer request for a target card, where the first resource transfer request includes identification information of the target card, a first resource transfer number, and information of a first resource transfer account, and the identification information of the target card is used to determine information of a second resource transfer account bound with the target card;

the sending module 1202 is configured to send a first resource transfer request for a target card to a cloud server.

In one possible implementation, the sending module 1202 is configured to send a first resource transfer request for the target card to a front-end server, where the front-end server sends the first resource transfer request for the target card to a cloud server.

In one possible implementation, referring to fig. 13, the apparatus further includes:

the receiving module 1203 is configured to receive resource transfer information sent by the cloud server, where the resource transfer information includes identification information of the target card, the second resource transfer number, and information of the third resource transfer account;

and a transferring module 1204, configured to transfer the second resource transfer amount of the resources in the third resource transfer account to the fourth resource transfer account of the target card when the identification information of the target card is detected.

In one possible implementation manner, the receiving module 1203 is further configured to receive a resource transfer result of the target card sent by the cloud server;

referring to fig. 13, the apparatus further includes:

and the display module 1205 is used for displaying the resource transfer result of the target card.

It should be noted that, when the apparatus provided in the foregoing embodiment performs the functions thereof, only the division of the foregoing functional modules is used as an example, in practical application, the foregoing functional allocation may be performed by different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules, so as to perform all or part of the functions described above. In addition, the apparatus and the method embodiments provided in the foregoing embodiments belong to the same concept, and specific implementation processes of the apparatus and the method embodiments are detailed in the method embodiments and are not repeated herein.

Fig. 14 is a schematic structural diagram of a resource transfer device according to an embodiment of the present application, where the device may be any one of a cloud server, a target server, and a front-end server in the foregoing embodiment. The server may include one or more processors (Central Processing Units, CPU) 1401 and one or more memories 1402, where the one or more memories 1402 store at least one program code that is loaded and executed by the one or more processors 1401 to implement the resource transfer method provided by the above-described method embodiments. Of course, the server may also have a wired or wireless network interface, a keyboard, an input/output interface, and other components for implementing the functions of the device, which are not described herein.

Fig. 15 is a schematic structural diagram of a resource transferring device according to an embodiment of the present application. The device may be any one of the target terminal and the mobile terminal in the above embodiment, and may be, for example: POS, smart phone, tablet, MP3 player (Moving Picture Experts Group Audio Layer III, motion picture expert compression standard audio plane 3), MP4 (Moving Picture Experts Group Audio Layer IV, motion picture expert compression standard audio plane 4) player, notebook or desktop. Terminals may also be referred to by other names as user equipment, portable terminals, laptop terminals, desktop terminals, etc.

Generally, the terminal includes: a processor 1501 and a memory 1502.

The processor 1501 may include one or more processing cores, such as a 4-core processor, an 8-core processor, or the like. The processor 1501 may be implemented in at least one hardware form of DSP (Digital Signal Processing ), FPGA (Field-Programmable Gate Array, field programmable gate array), PLA (Programmable Logic Array ). The processor 1501 may also include a main processor, which is a processor for processing data in an awake state, also called a CPU (Central Processing Unit ), and a coprocessor; a coprocessor is a low-power processor for processing data in a standby state. In some embodiments, the processor 1501 may be integrated with a GPU (Graphics Processing Unit, image processor) for taking care of rendering and rendering of content to be displayed by the display screen. In some embodiments, the processor 1501 may also include an AI (Artificial Intelligence ) processor for processing computing operations related to machine learning.

Memory 1502 may include one or more computer-readable storage media, which may be non-transitory. Memory 1502 may also include high-speed random access memory, as well as non-volatile memory, such as one or more magnetic disk storage devices, flash memory storage devices. In some embodiments, a non-transitory computer readable storage medium in memory 1502 is configured to store at least one instruction for execution by processor 1501 to implement the resource transfer method provided by the method embodiments of the present application.

In some embodiments, the terminal may further optionally include: a peripheral interface 1503 and at least one peripheral device. The processor 1501, memory 1502 and peripheral interface 1503 may be connected by a bus or signal lines. The individual peripheral devices may be connected to the peripheral device interface 1503 via a bus, signal lines, or circuit board. Specifically, the peripheral device includes: at least one of radio frequency circuitry 1504, a touch display 1505, a camera assembly 1506, audio circuitry 1507, and a power supply 1509.

A peripheral interface 1503 may be used to connect I/O (Input/Output) related at least one peripheral device to the processor 1501 and the memory 1502. In some embodiments, processor 1501, memory 1502, and peripheral interface 1503 are integrated on the same chip or circuit board; in some other embodiments, either or both of the processor 1501, the memory 1502, and the peripheral interface 1503 may be implemented on separate chips or circuit boards, which is not limited in this embodiment.

The Radio Frequency circuit 1504 is configured to receive and transmit RF (Radio Frequency) signals, also known as electromagnetic signals. The radio frequency circuit 1504 communicates with a communication network and other communication devices via electromagnetic signals. The radio frequency circuit 1504 converts an electrical signal into an electromagnetic signal for transmission, or converts a received electromagnetic signal into an electrical signal. Optionally, the radio frequency circuit 1504 includes: antenna systems, RF transceivers, one or more amplifiers, tuners, oscillators, digital signal processors, codec chipsets, subscriber identity module cards, and so forth. The radio frequency circuit 1504 may communicate with other terminals via at least one wireless communication protocol. The wireless communication protocol includes, but is not limited to: metropolitan area networks, various generations of mobile communication networks (2G, 3G, 4G, and 5G), wireless local area networks, and/or WiFi (Wireless Fidelity ) networks. In some embodiments, the radio frequency circuit 1504 may also include NFC (Near Field Communication, short range wireless communication) related circuits, which the present application is not limited to.

Display 1505 is used to display a UI (User Interface). The UI may include graphics, text, icons, video, and any combination thereof. When display screen 1505 is a touch display screen, display screen 1505 also has the ability to collect touch signals at or above the surface of display screen 1505. The touch signal may be input to the processor 1501 as a control signal for processing. At this point, display 1505 may also be used to provide virtual buttons and/or a virtual keyboard, also referred to as soft buttons and/or a soft keyboard. In some embodiments, the display 1505 may be one, disposed on the front panel of the terminal; in other embodiments, the display 1505 may be at least two, respectively disposed on different surfaces of the terminal or in a folded design; in still other embodiments, the display 1505 may be a flexible display screen disposed on a curved surface or a folded surface of the terminal. Even more, the display 1505 may be arranged in a non-rectangular irregular pattern, i.e., a shaped screen. The display screen 1505 may be made of LCD (Liquid Crystal Display ), OLED (Organic Light-Emitting Diode) or other materials.

The camera assembly 1506 is used to capture images or video. Optionally, the camera assembly 1506 includes a front camera and a rear camera. Typically, the front camera is disposed on the front panel of the terminal and the rear camera is disposed on the rear surface of the terminal. In some embodiments, the at least two rear cameras are any one of a main camera, a depth camera, a wide-angle camera and a tele camera, so as to realize that the main camera and the depth camera are fused to realize a background blurring function, and the main camera and the wide-angle camera are fused to realize a panoramic shooting and Virtual Reality (VR) shooting function or other fusion shooting functions. In some embodiments, the camera assembly 1506 may also include a flash. The flash lamp can be a single-color temperature flash lamp or a double-color temperature flash lamp. The dual-color temperature flash lamp refers to a combination of a warm light flash lamp and a cold light flash lamp, and can be used for light compensation under different color temperatures.

The audio circuitry 1507 may include a microphone and a speaker. The microphone is used for collecting sound waves of users and the environment, converting the sound waves into electric signals, inputting the electric signals to the processor 1501 for processing, or inputting the electric signals to the radio frequency circuit 1504 for voice communication. For the purpose of stereo acquisition or noise reduction, a plurality of microphones can be respectively arranged at different parts of the terminal. The microphone may also be an array microphone or an omni-directional pickup microphone. The speaker is used to convert electrical signals from the processor 1501 or the radio frequency circuit 1504 into sound waves. The speaker may be a conventional thin film speaker or a piezoelectric ceramic speaker. When the speaker is a piezoelectric ceramic speaker, not only the electric signal can be converted into a sound wave audible to humans, but also the electric signal can be converted into a sound wave inaudible to humans for ranging and other purposes. In some embodiments, the audio circuit 1507 may also include a headphone jack.

The power supply 1509 is used to power the various components in the terminal. The power supply 1509 may be an alternating current, a direct current, a disposable battery, or a rechargeable battery. When the power supply 1509 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, the terminal further includes one or more sensors 1510. The one or more sensors 1510 include, but are not limited to: acceleration sensor 1511, gyro sensor 1512, pressure sensor 1513, optical sensor 1515, and proximity sensor 1516.

The acceleration sensor 1511 can detect the magnitudes of accelerations on three coordinate axes of a coordinate system established with a terminal. For example, the acceleration sensor 1511 may be used to detect components of gravitational acceleration in three coordinate axes. The processor 1501 may control the touch display screen 1505 to display the user interface in a landscape view or a portrait view according to the gravitational acceleration signal acquired by the acceleration sensor 1511. The acceleration sensor 1511 may also be used for the acquisition of motion data of a game or user.

The gyro sensor 1512 may detect a body direction and a rotation angle of the terminal, and the gyro sensor 1512 may collect a 3D motion of the user on the terminal in cooperation with the acceleration sensor 1511. The processor 1501, based on the data collected by the gyro sensor 1512, may implement the following functions: motion sensing (e.g., changing UI according to a tilting operation by a user), image stabilization at shooting, game control, and inertial navigation.

The pressure sensor 1513 may be disposed at a side frame of the terminal and/or at a lower layer of the touch display 1505. When the pressure sensor 1513 is disposed on the side frame of the terminal, a grip signal of the terminal by the user can be detected, and the processor 1501 performs left-right hand recognition or quick operation according to the grip signal collected by the pressure sensor 1513. When the pressure sensor 1513 is disposed at the lower layer of the touch display screen 1505, the processor 1501 realizes control of the operability control on the UI interface according to the pressure operation of the user on the touch display screen 1505. The operability controls include at least one of a button control, a scroll bar control, an icon control, and a menu control.

The optical sensor 1515 is used to collect the ambient light intensity. In one embodiment, processor 1501 may control the display brightness of touch display screen 1505 based on the intensity of ambient light collected by optical sensor 1515. Specifically, when the ambient light intensity is high, the display brightness of the touch display screen 1505 is turned up; when the ambient light intensity is low, the display brightness of the touch display screen 1505 is turned down. In another embodiment, the processor 1501 may also dynamically adjust the shooting parameters of the camera assembly 1506 based on the ambient light intensity collected by the optical sensor 1515.

A proximity sensor 1516, also referred to as a distance sensor, is typically provided on the front panel of the terminal. The proximity sensor 1516 is used to collect the distance between the user and the front face of the terminal. In one embodiment, when the proximity sensor 1516 detects a gradual decrease in the distance between the user and the front face of the terminal, the processor 1501 controls the touch display 1505 to switch from the on-screen state to the off-screen state; when the proximity sensor 1516 detects that the distance between the user and the front face of the terminal gradually increases, the touch display screen 1505 is controlled by the processor 1501 to switch from the off-screen state to the on-screen state.

It will be appreciated by those skilled in the art that the structure shown in fig. 15 is not limiting of the terminal and may include more or fewer components than shown, or may combine certain components, or may employ a different arrangement of components.

In an exemplary embodiment, a computer device is also provided that includes a processor and a memory having at least one program code stored therein. The at least one piece of program code is loaded and executed by one or more processors to implement any of the resource transfer methods described above.

In an exemplary embodiment, there is also provided a computer readable storage medium having stored therein at least one program code loaded and executed by a processor of a computer device to implement any of the above-described resource transfer methods.

Alternatively, the above-mentioned computer readable storage medium may be a Read-Only Memory (ROM), a random access Memory (Random Access Memory, RAM), a Read-Only optical disk (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" are to two or more. "and/or", describes an association relationship of an association object, and indicates that there may be three relationships, for example, a and/or B, and may indicate: a exists alone, A and B exist together, and B exists alone. The character "/" generally indicates that the context-dependent object is an "or" relationship.

The foregoing description of the exemplary embodiments of the application is not intended to limit the application to the particular embodiments disclosed, but on the contrary, the intention is to cover all modifications, equivalents, and alternatives falling within the spirit and scope of the application.

Claims

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

receiving a second resource transfer request of a target card for a first user, wherein the second resource transfer request comprises identification information of the target card, a second resource transfer quantity, information of a third resource transfer account of the target card, information of the first user and a recharging password;

Inquiring a preset recharging password corresponding to the target card based on the identification information of the target card under the condition that the information of the first user is matched with the identification information of the target card;

inquiring the corresponding relation between the identification information of the target card and the binding protocol under the condition that the recharging password is matched with the preset recharging password corresponding to the target card;

if a binding protocol corresponding to the identification information of the target card is obtained, the second resource transfer request is sent to a target server, wherein the target server is used for transferring second target resources in a second resource transfer account to the third resource transfer account, and the second target resources are resources of the second resource transfer quantity;

when determining that the second resource transfer amount of resources in the third resource transfer account is increased, sending resource transfer information to a target terminal, wherein the resource transfer information comprises identification information of the target card, the second resource transfer amount and information of the third resource transfer account, and the resource transfer information is used for transferring the second resource transfer amount of resources in the third resource transfer account to a fourth resource transfer account of the target card when the target terminal detects the identification information of the target card, and the fourth resource transfer account is used for carrying out resource transfer on the condition that the target terminal is not networked;

Receiving a first resource transfer request for the target card, which is sent by the target terminal under the networking condition, wherein the first resource transfer request comprises identification information of the target card, a first resource transfer quantity and information of a first resource transfer account;

inquiring the corresponding relation between the identification information of the target card and the binding protocol;

if a binding protocol corresponding to the identification information of the target card is obtained, determining information of a second resource transfer account bound with the target card based on the identification information of the target card, wherein the second resource transfer account is a mobile account of a second user signing a binding protocol with the target card, and the second user is different from the first user;

the first resource transfer request is sent to a target server corresponding to the second resource transfer account, wherein the target server is used for transferring first target resources in the second resource transfer account to the first resource transfer account, and the first target resources are the resources of the first resource transfer quantity;

the corresponding relation between the identification information of the target card and the binding protocol is sent by the mobile terminal of the second user after the following steps are executed:

Acquiring target triggering operation of the second user, and displaying a first binding page based on the target triggering operation, wherein the first binding page is used for selecting a use place of the target card;

displaying an identity selection page based on a use site confirmation instruction in the first binding page, wherein the identity selection page is used for selecting the identity of the second user relative to the first user;

displaying a second binding page based on an identity selection instruction in the identity selection page, wherein the second binding page is used for filling in registration information, and the registration information comprises information of the first user and information of the second user;

displaying a third binding page based on a registration information confirmation instruction in the second binding page, wherein the third binding page is used for displaying card binding operation which can be performed on a virtual card, the virtual card is generated based on related information of the target card, and the related information is acquired based on information of the first user;

displaying a fourth binding page based on a card binding confirmation instruction in the third binding page, wherein the fourth binding page is used for acquiring a card number of the target card, and the card number does not belong to the related information;

And displaying a fifth binding page based on the card number information confirmation instruction in the fourth binding page, wherein the fifth binding page is used for selecting the second resource transfer account from a plurality of mobile accounts acquired based on the information of the second user, and obtaining the corresponding relation between the identification information of the target card and the binding protocol.

2. The method of claim 1, wherein the receiving the first resource transfer request for the target card sent by the target terminal if networked comprises:

the method comprises the steps that a first resource transfer request, sent by a target terminal through a front-end server, for a target card is received, the front-end server is used for obtaining the first resource transfer request, sent by the target terminal under the condition of networking, for the target card, and when the time interval from a time stamp of the previous time of sending the resource transfer request reaches a reference time interval, the first resource transfer request for the target card is sent to a cloud server.

3. The method of claim 1 or 2, wherein prior to the sending the first resource transfer request to a target server corresponding to the second resource transfer account, the method further comprises:

Determining a third resource transfer quantity based on a target resource transfer mode and the first resource transfer quantity, wherein the target resource transfer mode is a resource transfer mode matched with the account type of the second resource transfer account;

updating the first resource transfer quantity in the first resource transfer request to the third resource transfer quantity to obtain an updated first resource transfer request;

the sending the first resource transfer request to a target server corresponding to the second resource transfer account includes:

and sending the updated first resource transfer request to a target server corresponding to the second resource transfer account, wherein the target server is used for transferring third target resources in the second resource transfer account to the first resource transfer account, and the third target resources are resources of the third resource transfer quantity.

4. The method of claim 1 or 2, wherein after the sending the first resource transfer request to a target server corresponding to the second resource transfer account, the method further comprises:

acquiring resource variation information of the first resource transfer account based on a resource transfer result fed back by the target server;

Determining a resource transfer result of the target card based on the resource variation information of the first resource transfer account;

and sending the resource transfer result of the target card to the target terminal.

5. The method of claim 4, wherein after the determining the resource transfer result of the target card, the method further comprises:

acquiring feedback information based on a resource transfer result of the target card;

and sending the feedback information to the mobile terminal corresponding to the second resource transfer account.

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

receiving resource transfer information sent by a cloud server, wherein the resource transfer information comprises identification information of a target card, second resource transfer quantity and information of a third resource transfer account of the target card, the resource transfer information is sent by the cloud server when determining resources for increasing the second resource transfer quantity in the third resource transfer account, the cloud server is used for receiving a second resource transfer request of the target card for a first user, and the second resource transfer request comprises the identification information of the target card, the second resource transfer quantity, the information of the third resource transfer account, the information of the first user and a recharging password; inquiring a preset recharging password corresponding to the target card based on the identification information of the target card under the condition that the information of the first user is matched with the identification information of the target card; inquiring the corresponding relation between the identification information of the target card and the binding protocol under the condition that the recharging password is matched with the preset recharging password corresponding to the target card; if a binding protocol corresponding to the identification information of the target card is obtained, the second resource transfer request is sent to a target server, wherein the target server is used for transferring second target resources in a second resource transfer account to the third resource transfer account, and the second target resources are resources of the second resource transfer quantity;

When the identification information of the target card is detected, transferring the resources of the second resource transfer quantity in the third resource transfer account to a fourth resource transfer account of the target card, wherein the fourth resource transfer account is used for transferring resources under the condition of not networking;

transmitting a first resource transfer request for the target card to the cloud server under the networking condition, wherein the cloud server is further used for receiving the first resource transfer request for the target card, which is transmitted by the target terminal under the networking condition; inquiring the corresponding relation between the identification information of the target card and the binding protocol; if a binding protocol corresponding to the identification information of the target card is obtained, determining information of a second resource transfer account bound with the target card based on the identification information of the target card, wherein the second resource transfer account is a mobile account of a second user signing a binding protocol with the target card, and the second user is different from the first user; the first resource transfer request is sent to a target server corresponding to the second resource transfer account, wherein the target server is used for transferring first target resources in the second resource transfer account to the first resource transfer account, and the first target resources are the resources of the first resource transfer quantity;

The corresponding relation between the identification information of the target card and the binding protocol is sent to the cloud server by the mobile terminal of the second user after the following steps are executed:

7. The method of claim 6, wherein the sending the first resource transfer request for the target card to the cloud server if networked comprises:

and under the condition of networking, the first resource transfer request for the target card is sent to a front-end server, and the front-end server sends the first resource transfer request for the target card to the cloud server.

8. The method of claim 6 or 7, wherein after the sending the first resource transfer request for the target card to the cloud server if networked, the method further comprises:

Receiving a resource transfer result of the target card, which is sent by the cloud server;

and displaying the resource transfer result of the target card.

9. A resource transfer system, the system comprising: cloud server and target terminal;

the cloud server is used for receiving a second resource transfer request aiming at a target card of a first user, wherein the second resource transfer request comprises identification information of the target card, second resource transfer quantity, information of a third resource transfer account of the target card, information of the first user and a recharging password; inquiring a preset recharging password corresponding to the target card based on the identification information of the target card under the condition that the information of the first user is matched with the identification information of the target card; inquiring the corresponding relation between the identification information of the target card and the binding protocol under the condition that the recharging password is matched with the preset recharging password corresponding to the target card; if a binding protocol corresponding to the identification information of the target card is obtained, the second resource transfer request is sent to a target server, wherein the target server is used for transferring second target resources in a second resource transfer account to the third resource transfer account, and the second target resources are resources of the second resource transfer quantity; when determining that the second resource transfer amount of resources is increased in the third resource transfer account, sending resource transfer information to a target terminal, wherein the resource transfer information comprises identification information of the target card, the second resource transfer amount and information of the third resource transfer account;

The target terminal is used for receiving the resource transfer information sent by the cloud server; when the identification information of the target card is detected, transferring the resources of the second resource transfer quantity in the third resource transfer account to a fourth resource transfer account of the target card, wherein the fourth resource transfer account is used for transferring resources under the condition of not networking;

the target terminal is further configured to obtain a first resource transfer request for a target card, where the first resource transfer request includes identification information of the target card, a first resource transfer number, and information of a first resource transfer account, and the identification information of the target card is used to determine information of a second resource transfer account bound with the target card; sending the first resource transfer request for the target card to the cloud server under the condition of networking;

the cloud server is further used for receiving a first resource transfer request for a target card, which is sent by the target terminal under the networking condition; inquiring the corresponding relation between the identification information of the target card and the binding protocol, if the binding protocol corresponding to the identification information of the target card is obtained, determining information of a second resource transfer account bound with the target card based on the identification information of the target card, wherein the second resource transfer account is a mobile account of a second user signing the binding protocol with the target card, and the second user is different from the first user; the first resource transfer request is sent to a target server corresponding to the second resource transfer account, wherein the target server is used for transferring first target resources in the second resource transfer account to the first resource transfer account, and the first target resources are the resources of the first resource transfer quantity;

10. A resource transfer device, the device comprising:

the receiving module is used for receiving a second resource transfer request aiming at a target card of a first user, wherein the second resource transfer request comprises identification information of the target card, a second resource transfer quantity, information of a third resource transfer account of the target card, information of the first user and a recharging password;

the verification module is used for inquiring a preset recharging password corresponding to the target card based on the identification information of the target card under the condition that the information of the first user is matched with the identification information of the target card; inquiring the corresponding relation between the identification information of the target card and the binding protocol under the condition that the recharging password is matched with the preset recharging password corresponding to the target card;

The sending module is used for sending the second resource transfer request to a target server if a binding protocol corresponding to the identification information of the target card is obtained, wherein the target server is used for transferring second target resources in a second resource transfer account to the third resource transfer account, and the second target resources are resources of the second resource transfer quantity;

the sending module is further configured to send resource transfer information to a target terminal when determining that a second resource transfer amount of resources is added in the third resource transfer account, where the resource transfer information includes identification information of the target card, the second resource transfer amount, and information of the third resource transfer account, and the resource transfer information is used for transferring, when detecting the identification information of the target card, resources of the second resource transfer amount in the third resource transfer account to a fourth resource transfer account of the target card, where the fourth resource transfer account is used for resource transfer by the target terminal under an unconnected network condition;

the receiving module is further configured to receive a first resource transfer request for the target card, where the first resource transfer request is sent by the target terminal in the networked condition, and the first resource transfer request includes identification information of the target card, a first resource transfer number and information of a first resource transfer account;

The determining module is used for inquiring the corresponding relation between the identification information of the target card and the binding protocol, if the binding protocol corresponding to the identification information of the target card is obtained, determining information of a second resource transfer account bound with the target card based on the identification information of the target card, wherein the second resource transfer account is a mobile account of a second user signing the binding protocol with the target card, and the second user is different from the first user;

the sending module is further configured to send the first resource transfer request to a target server corresponding to the second resource transfer account, where the target server is configured to transfer a first target resource in the second resource transfer account to the first resource transfer account, and the first target resource is a resource of the first resource transfer number;

11. A resource transfer device, the device comprising:

the cloud server is used for receiving a second resource transfer request aiming at the target card of the first user, wherein the second resource transfer request comprises the identification information of the target card, the second resource transfer quantity, the information of the third resource transfer account, the information of the first user and a recharging password; inquiring a preset recharging password corresponding to the target card based on the identification information of the target card under the condition that the information of the first user is matched with the identification information of the target card; inquiring the corresponding relation between the identification information of the target card and the binding protocol under the condition that the recharging password is matched with the preset recharging password corresponding to the target card; if a binding protocol corresponding to the identification information of the target card is obtained, the second resource transfer request is sent to a target server, wherein the target server is used for transferring second target resources in a second resource transfer account to the third resource transfer account, and the second target resources are resources of the second resource transfer quantity;

The transfer module is used for transferring the second resource transfer quantity of the resources in the third resource transfer account to a fourth resource transfer account of the target card when the identification information of the target card is detected, wherein the fourth resource transfer account is used for transferring the resources under the condition of no networking;

the cloud server is used for receiving a first resource transfer request for the target card, which is sent by a target terminal under the networking condition; inquiring the corresponding relation between the identification information of the target card and the binding protocol; if a binding protocol corresponding to the identification information of the target card is obtained, determining information of a second resource transfer account bound with the target card based on the identification information of the target card, wherein the second resource transfer account is a mobile account of a second user signing a binding protocol with the target card, and the second user is different from the first user; the first resource transfer request is sent to a target server corresponding to the second resource transfer account, wherein the target server is used for transferring first target resources in the second resource transfer account to the first resource transfer account, and the first target resources are the resources of the first resource transfer quantity;

12. A computer device comprising a processor and a memory, wherein the memory has stored therein at least one program code that is loaded and executed by the processor to implement the resource transfer method of any of claims 1 to 5 or the resource transfer method of any of claims 6 to 8.

13. A computer readable storage medium having stored therein at least one program code, the at least one program code being loaded and executed by a processor to implement the resource transfer method of any one of claims 1 to 5 or the resource transfer method of any one of claims 6 to 8.