CN114004607A

CN114004607A - Resource transfer method, device, computer equipment and storage medium

Info

Publication number: CN114004607A
Application number: CN202010735590.8A
Authority: CN
Inventors: 王娇妮; 黄欣阳; 李俏
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2020-07-28
Filing date: 2020-07-28
Publication date: 2022-02-01

Abstract

The application relates to a resource transfer method, a resource transfer device, a computer device and a storage medium. The method comprises the following steps: determining a target resource transfer-in party to be subjected to quota improvement; a first resource transfer interface for displaying a target resource transfer party corresponding to the local terminal and transferring resources to the target resource transfer party; acquiring a first resource transfer quantity in the original transfer quota range before quota lifting through a first resource transfer interface; and sending a first resource transfer request to a resource transfer server according to the first resource transfer quantity, so that the resource transfer server executes a resource transfer task according to the first resource transfer request, so as to transfer the resources with the first resource transfer quantity from a target resource transferring party to a target resource transferring party, perform risk monitoring on the resource transfer task, and improve the resource transfer limit transferred from the target resource transferring party to the target resource transferring party when the risk monitoring condition is met. The method can improve the resource transfer efficiency.

Description

Resource transfer method, device, computer equipment and storage medium

Technical Field

The present application relates to the field of internet technologies, and in particular, to a resource transfer method, apparatus, computer device, and storage medium.

Background

With the development of internet technology, more and more users choose to perform online resource transfer operations on terminal devices (such as mobile phones and computers), such as transferring money to others, purchasing goods or financing.

At present, because there is a risk in performing resource transfer operation online, resources that can be transferred online are generally limited by a limit, and when a user performs online resource transfer, the amount of the transferred resources needs to meet the limit.

However, there is usually a case that the amount of the resource that the user needs to transfer is larger than the limit, and at this time, the user needs to go to the bank in person to handle the resource transfer, so that the resource transfer consumes more time, resulting in low efficiency of resource transfer.

Disclosure of Invention

In view of the foregoing, it is desirable to provide a resource transfer method, device, computer device, and storage medium for solving the above-mentioned technical problem of low resource transfer efficiency.

A method of resource transfer, the method comprising: determining a target resource transfer-in party to be subjected to quota improvement; displaying a first resource transfer interface for transferring resources from a target resource transfer-out party corresponding to the local terminal to the target resource transfer-in party; acquiring a first resource transfer quantity through the first resource transfer interface, wherein the first resource transfer quantity is in the range of the original transfer quota before quota is increased; and sending a first resource transfer request to a resource transfer server according to the first resource transfer quantity, so that the resource transfer server executes a resource transfer task according to the first resource transfer request, so as to transfer the resources with the first resource transfer quantity from the target resource transferring party to the target resource transferring party, perform risk monitoring on the resource transfer task, and improve the resource transfer limit transferred from the target resource transferring party to the target resource transferring party when the risk monitoring condition is met.

An apparatus for resource transfer, the apparatus comprising: the target resource transfer-in party determining module is used for determining a target resource transfer-in party to be subjected to quota improvement; the first resource transfer interface display module is used for displaying a first resource transfer interface which is used for performing resource transfer from a target resource transfer-out party corresponding to the local terminal to a target resource transfer-in party; a first resource transfer quantity obtaining module, configured to obtain a first resource transfer quantity through the first resource transfer interface, where the first resource transfer quantity is within an original transfer quota range before quota is increased; the first resource transfer request sending module is used for sending a first resource transfer request to a resource transfer server according to the first resource transfer quantity, so that the resource transfer server executes a resource transfer task according to the first resource transfer request, so that the resources with the first resource transfer quantity are transferred from the target resource transferring party to the target resource transferring party, the resource transfer task is subjected to risk monitoring, and when a risk monitoring condition is met, the resource transfer limit transferred from the target resource transferring party to the target resource transferring party is improved.

In some embodiments, the target resource transfer-in party determining module comprises: the transfer-in party information acquisition interface display unit is used for displaying a transfer-in party information acquisition interface according to the transfer-in party limit lifting trigger operation; and the transfer-in party information acquisition unit is used for acquiring the transfer-in party information through the transfer-in party information acquisition interface so as to determine the target resource transfer-in party to be subjected to quota improvement.

In some embodiments, the transfer-in party information obtaining interface display unit is further configured to obtain transfer-out party identity information corresponding to the target resource transfer-out party according to the transfer-in party quota hoisting trigger operation; and taking the transfer-out party identity information as transfer-in party identity information and displaying the transfer-in party identity information in the transfer-in party information acquisition interface.

In some embodiments, the transfer-in party information obtaining unit is further configured to obtain a resource manager corresponding to a transfer-in party through the transfer-in party information obtaining interface; acquiring a transferring-in party identity authentication result obtained by performing identity authentication on the transferring-in party, and taking the transferring-in party with the passing transferring-in party identity authentication result as a target resource transferring-in party to be subjected to quota improvement; the identity authentication result of the transfer-in party is obtained by performing consistency check on the identity information of the transfer-in party and the check identity information, and the check identity information is obtained from a server corresponding to the resource management party according to the identity identification of the transfer-in party corresponding to the identity information of the transfer-in party.

In some embodiments, the first resource transfer request sending module is further configured to, when a risk monitoring condition is met, add the target resource transfer-in party to a transfer-in party set corresponding to a target resource transfer quota, where the target resource transfer quota is greater than the original transfer quota.

In some embodiments, the apparatus further comprises: the target resource transfer-in party display module is used for displaying each target resource transfer-in party in the transfer-in party set; and the second resource transfer interface display module is used for displaying a second resource transfer interface for transferring the resources from the target resource transferring party to the target resource transferring party when the selection operation of the target resource transferring party is received, so as to transfer the resources according to the operation of the second resource transfer interface, wherein the resource transfer limit corresponding to the second resource transfer interface is the target resource transfer limit.

In some embodiments, the target resource transfer-in party exhibition module comprises: the resource transfer entrance display unit is used for displaying the resource transfer entrance corresponding to the target resource transfer limit; and the target resource transfer-in party display unit is used for displaying each target resource transfer-in party in the transfer-in party set when the triggering operation of the resource transfer entrance is received.

In some embodiments, the risk monitoring condition includes a time interval between a transfer time corresponding to the first resource transfer request and a current time, when a time threshold is reached, a risk degree corresponding to the resource transfer task is smaller than a degree threshold, and the device is further configured to display the quota improving verification state information according to a difference between the time interval and the time threshold.

A computer device comprising a memory and a processor, the memory storing a computer program, the processor implementing the following steps when executing the computer program: determining a target resource transfer-in party to be subjected to quota improvement; displaying a first resource transfer interface for transferring resources from a target resource transfer-out party corresponding to the local terminal to the target resource transfer-in party; acquiring a first resource transfer quantity through the first resource transfer interface, wherein the first resource transfer quantity is in the range of the original transfer quota before quota is increased; and sending a first resource transfer request to a resource transfer server according to the first resource transfer quantity, so that the resource transfer server executes a resource transfer task according to the first resource transfer request, so as to transfer the resources with the first resource transfer quantity from the target resource transferring party to the target resource transferring party, perform risk monitoring on the resource transfer task, and improve the resource transfer limit transferred from the target resource transferring party to the target resource transferring party when the risk monitoring condition is met.

A computer-readable storage medium, on which a computer program is stored which, when executed by a processor, carries out the steps of: determining a target resource transfer-in party to be subjected to quota improvement; displaying a first resource transfer interface for transferring resources from a target resource transfer-out party corresponding to the local terminal to the target resource transfer-in party; acquiring a first resource transfer quantity through the first resource transfer interface, wherein the first resource transfer quantity is in the range of the original transfer quota before quota is increased; and sending a first resource transfer request to a resource transfer server according to the first resource transfer quantity, so that the resource transfer server executes a resource transfer task according to the first resource transfer request, so as to transfer the resources with the first resource transfer quantity from the target resource transferring party to the target resource transferring party, perform risk monitoring on the resource transfer task, and improve the resource transfer limit transferred from the target resource transferring party to the target resource transferring party when the risk monitoring condition is met.

The resource transferring method, the device, the computer equipment and the storage medium show a first resource transferring interface for transferring the resource to the target resource transferring party by determining the target resource transferring party to be subjected to the quota improvement, showing the target resource transferring party corresponding to the local terminal, acquiring the first resource transferring quantity through the first resource transferring interface, sending a first resource transfer request to the resource transfer server according to the first resource transfer amount, so that the resource transfer server executes the resource transfer task according to the first resource transfer request, to transfer a first resource transfer amount of resources from the target resource transferring-out party to the target resource transferring-in party, and carries out risk monitoring on the resource transfer task, when the resource transfer task meets the risk monitoring condition, and promoting the resource transfer limit transferred from the target resource transferring party to the target resource transferring party. The resource transfer verification of the limit lifting is carried out in the original limit transfer range, so that the risk of executing the resource transfer task is reduced, and the limit lifting is carried out on the resource transfer limit of the target resource transfer party with a specific target resource transfer direction when the resource transfer task meets the risk monitoring condition, so that the safety of lifting the resource transfer limit is ensured. After the resource transfer limit is increased, the user can transfer the resource by using the increased resource transfer limit, so that the resource transfer efficiency is improved.

A method of resource transfer, the method comprising: receiving a first resource transfer request sent by a resource roll-out terminal, wherein the first resource transfer request carries a first resource transfer quantity, the first resource transfer request is used for requesting that resources of the first resource transfer quantity are transferred to a target resource roll-in party from a target resource roll-out party corresponding to the resource roll-out terminal, the target resource roll-in party is a resource roll-in party to be subjected to quota improvement, and the first resource transfer quantity is within an original transfer quota range before quota improvement; executing a resource transfer task according to the first resource transfer request; and carrying out risk monitoring on the resource transfer task, and promoting the resource transfer limit transferred from the target resource transfer party to the target resource transfer party when the risk monitoring condition is met.

In some embodiments, the method further comprises: receiving a second resource transfer request, wherein the second resource transfer request is triggered through a second resource transfer interface, and a resource transfer quota corresponding to the second resource transfer interface is the target resource transfer quota; and acquiring a residual amount corresponding to the target resource transfer amount, and when the second resource transfer quantity in the second resource transfer request is less than or equal to the residual amount, performing resource transfer according to the second resource transfer request.

An apparatus for resource transfer, the apparatus comprising: a first resource transfer request receiving module, configured to receive a first resource transfer request sent by a resource transfer-out terminal, where the first resource transfer request carries a first resource transfer amount, the first resource transfer request is used to request that a resource of the first resource transfer amount is transferred from a target resource transfer-out party corresponding to the resource transfer-out terminal to a target resource transfer-in party, where the target resource transfer-in party is a resource transfer-in party to be subjected to quota improvement, and the first resource transfer amount is within an original transfer quota range before quota improvement; the resource transfer task execution module is used for executing a resource transfer task according to the first resource transfer request; and the risk monitoring module is used for carrying out risk monitoring on the resource transfer task and promoting the resource transfer limit transferred from the target resource transfer party to the target resource transfer party when the risk monitoring condition is met.

In some embodiments, the risk monitoring module comprises: a time interval obtaining unit, configured to obtain a time interval between a transfer time corresponding to the first resource transfer request and a current time; and the limit lifting unit is used for determining that a risk monitoring condition is met and lifting the resource transfer limit transferred from the target resource transfer party to the target resource transfer party when the time interval reaches a duration threshold and the risk degree corresponding to the resource transfer task is smaller than a degree threshold.

In some embodiments, the risk monitoring module is further configured to add the target resource transfer party to a transfer party set corresponding to a target resource transfer amount, where the target resource transfer amount is greater than the original transfer amount.

In some embodiments, the apparatus further comprises: a second resource transfer request receiving module, configured to receive a second resource transfer request, where the second resource transfer request is triggered through a second resource transfer interface, and a resource transfer quota corresponding to the second resource transfer interface is the target resource transfer quota; and the resource transfer module is used for acquiring the residual amount corresponding to the target resource transfer amount, and when the second resource transfer amount in the second resource transfer request is less than or equal to the residual amount, performing resource transfer according to the second resource transfer request.

A computer device comprising a memory and a processor, the memory storing a computer program, the processor implementing the following steps when executing the computer program: receiving a first resource transfer request sent by a resource roll-out terminal, wherein the first resource transfer request carries a first resource transfer quantity, the first resource transfer request is used for requesting that resources of the first resource transfer quantity are transferred to a target resource roll-in party from a target resource roll-out party corresponding to the resource roll-out terminal, the target resource roll-in party is a resource roll-in party to be subjected to quota improvement, and the first resource transfer quantity is within an original transfer quota range before quota improvement; executing a resource transfer task according to the first resource transfer request; and carrying out risk monitoring on the resource transfer task, and promoting the resource transfer limit transferred from the target resource transfer party to the target resource transfer party when the risk monitoring condition is met.

A computer-readable storage medium, on which a computer program is stored which, when executed by a processor, carries out the steps of: receiving a first resource transfer request sent by a resource roll-out terminal, wherein the first resource transfer request carries a first resource transfer quantity, the first resource transfer request is used for requesting that resources of the first resource transfer quantity are transferred to a target resource roll-in party from a target resource roll-out party corresponding to the resource roll-out terminal, the target resource roll-in party is a resource roll-in party to be subjected to quota improvement, and the first resource transfer quantity is within an original transfer quota range before quota improvement; executing a resource transfer task according to the first resource transfer request; and carrying out risk monitoring on the resource transfer task, and promoting the resource transfer limit transferred from the target resource transfer party to the target resource transfer party when the risk monitoring condition is met.

The resource transfer method, the resource transfer device, the computer equipment and the storage medium receive a first resource transfer request sent by a resource transfer-out terminal, execute a resource transfer task according to the first resource transfer request, so as to transfer the resources with the first resource transfer quantity from a target resource transfer-out party corresponding to the resource transfer-out terminal to a target resource transfer-in party, perform risk monitoring on the resource transfer task, and when the resource transfer task meets the risk monitoring condition, improve the resource transfer limit transferred from the target resource transfer-out party to the target resource transfer-in party. The resource transfer verification of the limit lifting is carried out in the original limit transfer range, so that the risk of executing the resource transfer task is reduced, and the limit lifting is carried out on the resource transfer limit of the target resource transfer party with a specific target resource transfer direction when the resource transfer task meets the risk monitoring condition, so that the safety of lifting the resource transfer limit is ensured. After the resource transfer limit is increased, the user can transfer the resource by using the increased resource transfer limit, so that the resource transfer efficiency is improved.

Drawings

FIG. 1 is a diagram of an application environment of a resource transfer method in some embodiments;

FIG. 2 is a flow diagram illustrating a method for resource transfer in some embodiments;

FIG. 3 is a flow diagram illustrating a method for resource transfer in some embodiments;

FIG. 4 is a schematic diagram of a resource transfer interface in some embodiments;

FIG. 5 is a schematic flow diagram illustrating transfer using a same-name large-amount transfer in some embodiments;

FIG. 6 is a schematic illustration of a quota setting interface in some embodiments;

FIG. 7 is a schematic diagram of a transfer-in party information acquisition interface in some embodiments;

FIG. 8 is a schematic diagram of an interface for a resource manager in some embodiments;

FIG. 9 is a diagram illustrating credit line identification in some embodiments;

FIG. 10 is a diagram illustrating credit line identification in some embodiments;

FIG. 11 is a flow diagram illustrating the opening of a large transfer of the same name in some embodiments;

FIG. 12 is a schematic diagram of a transfer verification interface in some embodiments;

FIG. 13 is a diagram of a transfer verification interface in some embodiments;

FIG. 14 is a flow diagram illustrating a method for resource transfer in some embodiments;

FIG. 15 is a block diagram of a resource transfer device in some embodiments;

FIG. 16 is a block diagram of a resource transfer device in some embodiments;

FIG. 17 is a diagram of the internal structure of a computer device in some embodiments;

FIG. 18 is a diagram of the internal structure of a computer device in some embodiments.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.

The resource transfer method provided by the application can be applied to the application environment shown in fig. 1. The application environment includes a resource roll-out terminal 102 and a resource transfer server 104, wherein the resource roll-out terminal 102 communicates with the resource transfer server 104 through a network. The resource transfer-out terminal 102 can determine the target resource transfer-in party to be subjected to quota improvement, display the target resource transfer-out party corresponding to the local terminal, perform a first resource transfer interface for resource transfer to the target resource transfer-in party, obtaining a first resource transfer quantity through a first resource transfer interface, wherein the first resource transfer quantity is within the original transfer quota range before quota is increased, a first resource transfer request is sent to the resource transfer server 104 based on the first resource transfer amount, the resource transfer server 104 may perform the resource transfer task based on the first resource transfer request, so as to transfer the resources with the first resource transfer quantity from the target resource transferring party to the target resource transferring party, and carry out risk monitoring on the resource transfer task, when the risk monitoring condition is met, and promoting the resource transfer limit transferred from the target resource transferring party to the target resource transferring party.

The resource transferring terminal 102 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, and portable wearable devices, and the resource transferring server 104 may be implemented by an independent server or a server cluster formed by a plurality of servers.

In some embodiments, as shown in fig. 2, a resource transfer method is provided, which is described by taking the method as an example applied to the resource transfer-out terminal 102 in fig. 1, and includes the following steps:

s202, determining a target resource transfer party to be subjected to quota improvement.

The resource is a resource that can be distributed in an electronic account, and for example, a resource that can be distributed on the internet through an account. The account can be but is not limited to a bank card number and an internet payment account number, and the internet payment account number can be a mobile phone number or a self-defined number. Resources include, but are not limited to, currency. The resource transfer-in party refers to a party to which the resource is transferred in the resource transfer. Resource transfer refers to the transfer of a resource from one account to another, the party from which the resource is transferred is called the resource transfer party. The resource transferor and the resource transferor may be at least one of a business or an individual, such as a payee and a payee. The resource transferring-out party may also be referred to as a payer, and the resource transferring-in party may also be referred to as a payee. The resource transfer-out party and the resource transfer-in party can be different accounts of the same user or different users, when the resource transfer-out party and the resource transfer-in party are the same user, the resource transfer-out party and the resource transfer-in party can be considered to be the same account, and when the resource transfer-out party and the resource transfer-in party are different users, the resource transfer-out party and the resource transfer-in party can be considered to be non-same accounts.

The target resource transfer-in party refers to a resource transfer-in party to be subjected to quota improvement, and the resource transfer quota refers to a quota corresponding to resource transfer. The resource transfer limit refers to the maximum amount of the resource transferred to the target resource transferring party by the resource transferring party in a limit period. The transfer may be via an online path, and the online path may include at least one of a website corresponding to the resource management authority or a corresponding Application program (APP). The resource manager refers to a mechanism for resource management, and may have functions of resource transfer, resource storage, and the like, and may be a bank, for example. The duration of one credit period can be set according to needs, for example, 24 hours (namely one day), and the resource transfer credit is the maximum amount of resources transferred by the bank APP within 24 hours, for example, 200 ten thousand RMB. The resource transfer limit may be set by the resource manager. The resource transfer allowance may include, for example, at least one of a transfer allowance or a platform allowance. The transfer limit refers to the total amount of funds transferred to a third party account by a user on a single day specified by the bank end of the bank. The platform limit refers to the amount of resources which are transferred out in the highest way in a single day specified by a bank, and if the user needs to transfer money, the user needs to go to the line and go out of the counter to transfer the money. For the user who newly manages the account, the resource transfer amount may be a preset amount value, and the preset amount value may be set as required, for example, 0. In addition, when the user does not transfer the resource within the preset time span, the resource transfer amount of the user can be automatically set as the preset amount value.

When the resource transfer party transfers the resource in the preset quota period, the resource transfer quota is consumed. The resource transfer amount may correspond to a consumed resource amount and an unconsumed resource amount, the consumed resource amount refers to an amount of a resource transferred by the resource transferring party, and the unconsumed resource amount refers to an amount remaining in the resource transfer amount except for the consumed resource amount. In a limit period, if the amount of the resource transferred by the resource transfer-out party is less than the amount of the resource which is not consumed, the resource transfer can be continued, and if the amount of the resource transferred by the resource transfer-out party is greater than or equal to the amount of the resource which is not consumed, the resource transfer can not be performed. For example, the amount of the unconsumed resource is 100 ten thousand renminbi, the amount of the transferred resource is 50 ten thousand renminbi, and the 50 ten thousand renminbi is less than 100 ten thousand renminbi, then 50 ten thousand renminbi can be transferred, but when the amount of the transferred resource is 110 ten thousand renminbi, 110 ten thousand renminbi cannot be transferred because 110 ten thousand renminbi is more than 100 ten thousand renminbi. In the next quota period, the consumed quota resource amount is cleared, and the unconsumed resource amount is modified into the amount corresponding to the resource transfer quota.

When the resource transfer party transfers resources through an online path, the amount of the transferred resources often exceeds the resource transfer limit, and in this case, the resource transfer party needs to transfer resources through an offline path. The offline approach may include a counter of an institution corresponding to the resource management institution, such as a bank's counter. The amount lifting refers to lifting the amount of the resource transfer amount, so that when the resource transfer party transfers resources by adopting an online way, if the amount of the transferred resources exceeds the resource transfer amount, the amount of the resource transfer amount can be lifted, the lifted resource transfer amount is larger than the resource transfer amount before lifting, for example, the resource transfer amount before lifting is 200 thousands, the lifted resource transfer amount after lifting is 500 thousands, and the resource transfer is carried out according to the lifted resource transfer amount, so that the resource transfer party can quickly and conveniently transfer the resources with larger amount.

Specifically, the terminal can acquire information of the resource transfer-in party and send the acquired information of the resource transfer-in party to the resource transfer server, the resource transfer server can perform identity authentication on the resource transfer-in party according to the information of the resource transfer-in party and return an identity authentication result, and the terminal can determine a target resource transfer-in party to be subjected to quota improvement according to the identity authentication result. The terminal may automatically obtain the information of the resource transferring-in party, for example, the terminal may automatically determine the information of the resource transferring-in party according to the information of the resource transferring-out party. In addition, the terminal can display an interface for acquiring the transfer-in party information, the user can input the transfer-in party information in the interface, and the terminal can acquire the transfer-in party information input by the user from the interface.

And S204, displaying a first resource transfer interface for transferring the resources from the target resource transfer-out party corresponding to the local terminal to the target resource transfer-in party.

The local terminal refers to a terminal corresponding to a target resource transfer party, for example, the resource transfer terminal 102 in fig. 1. The resource forwarding party can be divided into a user who has performed the operation of increasing the amount and a user who has not performed the operation of increasing the amount, and the user who has performed the operation of increasing the amount can be called an old user, and the user who has not performed the operation of increasing the amount can be called a new user. The target resource transfer-out party may be any resource transfer-out party that performs resource transfer-out.

The resource transfer interface is used for transferring resources, and information related to resource transfer can be acquired through the resource transfer interface, for example, the information includes at least one of the name, the mobile phone number, the currency type, the account opening and the transfer amount of the resource transfer party. The currency type is, for example, renminbi and hong Kong. The sub account port refers to a port of an account which pays out resources, and can comprise a RMB port, a Hongkong coin port and the like. The resource transfer interface may further include at least one of a currency type button, an amount fill area, a credit account port button, or a transfer epilogue button. The money type button is used for selecting the money type, the amount filling area is used for writing the amount of transferred resources, the branch account port button is used for selecting a branch account port, and the transfer additional statement button is used for filling the transfer additional statement. As shown in fig. 4, a resource transfer interface is shown, where "zhang san" is the name of the resource transfer party, "135 XXX 006" is the mobile phone number of the resource transfer party, "HKD (Hong Kong donlar, port coin)" is the currency type, "XX account" is the branch account port, "currency type" is the currency type button, "transfer epilogue" is the transfer epilogue button, "branch account port" is the branch account port button, and "amount input area" is the amount filling area.

The first resource transfer interface can be a resource transfer interface for transferring resources according to the original transfer quota before quota increasing. The amount input in the amount filling area in the first resource transfer interface is smaller than or equal to the original transfer quota.

Specifically, when the resource roll-out terminal determines that the target resource to be subjected to quota improvement is to be transferred to the target resource transfer party, the resource roll-out terminal may display a first resource transfer interface for resource transfer from the target resource roll-out party to the target resource transfer party corresponding to the local terminal.

S206, obtaining a first resource transfer quantity through the first resource transfer interface, wherein the first resource transfer quantity is in the original transfer quota range before quota is increased.

Wherein the first resource transfer quantity is less than or equal to the original transfer limit. The original transfer quota refers to the resource transfer quota before quota is increased. The user can fill the first resource transfer amount into the amount filling area of the resource transfer interface, and the resource transfer-out terminal can display the first resource transfer amount. As shown in fig. 4, "4800" corresponds to the first resource transfer amount.

In some embodiments, the first resource transfer amount may be input by the user, or may be preset, for example, a preset resource transfer amount for requesting credit increase may be preset, where the preset resource transfer amount is smaller than the original transfer credit, and may be 5 yuan, for example, to reduce the risk of credit increase verification through resource transfer.

S208, a first resource transfer request is sent to the resource transfer server according to the first resource transfer quantity, so that the resource transfer server executes a resource transfer task according to the first resource transfer request, resources with the first resource transfer quantity are transferred from the target resource transferring party to the target resource transferring party, the resource transfer task is subjected to risk monitoring, and when a risk monitoring condition is met, the resource transfer limit transferred from the target resource transferring party to the target resource transferring party is improved.

The resource transfer request is used for requesting resource transfer, and the first resource transfer request is used for requesting resource transfer according to the first resource transfer quantity. The first resource transfer request may carry the first resource transfer amount, the resource transfer-out party information, and the resource transfer-in party information. The resource transfer task is a task for transferring resources, and the resource transfer task executed by the resource transfer server according to the first resource transfer request refers to transferring the resources with the first resource transfer quantity from the target resource transfer party to the target resource transfer party. Risk monitoring the resource transfer task includes monitoring at least one of reporting data or complaint data of the resource transfer task. The risk monitoring condition can be set as required, and the risk degree of the resource transfer task is smaller than the preset risk degree within the preset time. For example, the risk monitoring condition may include a time interval between the transfer time corresponding to the first resource transfer request and the current time, and when the time threshold is reached, the risk degree corresponding to the resource transfer task is smaller than the degree threshold. For example, when the time length threshold is reached, if the resource transfer task is normal, for example, when an abnormal transfer task reporting that the resource transfer task is an account stolen and caused by the fact that the resource transfer task is not received within the time length threshold, it is confirmed that the risk monitoring condition is met.

Specifically, the resource transfer-out terminal sends a first resource transfer request to the resource transfer server according to the first resource transfer quantity. When the first resource transfer quantity is smaller than or equal to the amount which is not consumed in the original transfer amount, the resource transfer-out terminal can display a safety verification interface, the safety verification interface can obtain safety verification information, the resource transfer-out terminal can perform safety verification according to the obtained safety verification information, and when the safety verification passes, a first resource transfer request is sent to the resource transfer server according to the first resource transfer quantity. The security authentication information may include at least one of a payment password or fingerprint information. As shown in fig. 4, the transaction password input interface corresponds to the security verification interface, and the transaction password "123456" is security verification information. In order to increase the security, the security verification can be performed by means of electronic signatures, video recording and the like.

The resource transfer server can execute the resource transfer task according to the first resource transfer request, namely, the resources with the first resource transfer quantity are transferred from the target resource transferring party to the target resource transferring party, the resource transfer server can carry out risk monitoring on the resource transfer task, and when the risk monitoring condition is met, the resource transfer limit transferred from the target resource transferring party to the target resource transferring party is promoted. When the resource transfer amount transferred from the target resource transferring party to the target resource transferring party is increased, the target resource transferring party can transfer the resource to the target resource transferring party according to the increased resource transfer amount.

In some embodiments, after the resource roll-out terminal sends the first resource transfer request, a resource transfer result waiting interface may be displayed, and time information of the resource transfer result returned by the resource transfer server may be displayed in the resource transfer result waiting interface, so that the user may know the progress of the quota improving verification. The resource transfer server may return the resource transfer result to the resource transfer-out terminal, where the resource transfer result may be a transfer success or a transfer failure. The resource transfer-out terminal can display the resource transfer result on the resource transfer result display interface. As shown in fig. 4, the bank return result waiting interface represents a resource transfer result waiting interface, and the transfer success interface represents a resource transfer result display interface corresponding to the transfer success.

In some embodiments, the target resource transfer-in party may be divided into different transfer-in party categories according to the execution of the resource transfer task, for example, when the resource transfer task has not been executed, the transfer-in party category of the target resource transfer-in party may be set as a transfer verification to be performed, when the resource transfer task has been executed but the time interval between the time when the execution is completed and the current time is less than a preset time, the transfer-in party category of the target resource transfer-in party may be set as a large payee, when the time interval between the time when the resource transfer task has been executed and the execution is completed and the current time is up to the preset time, the transfer-in party category of the target resource transfer-in party may be set as a large payee, the preset time is, for example, 24 hours, the large payee may represent a payee who has completed the transfer and has recorded more than 24 hours, the transfer verification represents a payee who has completed the transfer and has recorded less than 24 hours, the to-be-transferred verification indicates a receiver who has not performed transfer verification.

In some embodiments, the transferring-in party category of the target resource transferring-in party may be changed as the information corresponding to the resource transferring-out terminal and the resource transferring-out party is changed. For example, when the resource roll-out terminal changes within a preset time range and the target resource roll-in party is determined before the resource roll-out terminal changes, the state of the target resource roll-in party is modified to be verified to be transferred. As shown in fig. 5, when the payee is added before modifying softtoken, the payee status is modified to be verified for transfer, and when the payee is added after modifying softtoken, the modified payee status is maintained.

In some embodiments, the quota after the quota is increased may be a preset quota, for example, 500 ten thousands, or may be set by the user, for example, when the risk monitoring condition is satisfied, the resource roll-out terminal may display a quota setting interface, the user may set the resource transfer quota through the quota setting interface, the resource roll-out terminal may obtain the set resource transfer quota through the quota setting interface, modify the resource transfer quota transferred from the target resource roll-out party to the target resource roll-in party into the set resource transfer quota, and complete the quota increase. As shown in fig. 6, a quota setting interface in the process of opening the same-name large-amount transfer is shown, and the resource transfer-out terminal can obtain the selection operation of the "activation completion" button, so that the quota is increased, that is, the same-name large-amount transfer is opened.

In the resource transfer method, a target resource transfer party to be subjected to quota improvement is determined, a target resource transfer party corresponding to a local terminal is displayed, a first resource transfer interface for transferring resources to the target resource transfer party is obtained through the first resource transfer interface, a first resource transfer request is sent to a resource transfer server according to the first resource transfer number, so that the resource transfer server executes a resource transfer task according to the first resource transfer request, resources with the first resource transfer number are transferred to the target resource transfer party from the target resource transfer party, risk monitoring is carried out on the resource transfer task, and when the resource transfer task meets risk monitoring conditions, the resource transfer quota transferred to the target resource transfer party from the target resource transfer party is improved. The resource transfer verification of the limit lifting is carried out in the original limit transfer range, so that the risk of executing the resource transfer task is reduced, and the limit lifting is carried out on the resource transfer limit of the target resource transfer party with a specific target resource transfer direction when the resource transfer task meets the risk monitoring condition, so that the safety of lifting the resource transfer limit is ensured. After the resource transfer limit is increased, the user can transfer the resource by using the increased resource transfer limit, so that the resource transfer efficiency is improved.

At present, a traditional bank controls the roll-out amount of a user at the bank side, for example, 100 thousands, when the roll-out amount required by the user is larger than the transfer amount, the user needs to go to an offline counter for transferring accounts, and the offline approach for handling resource transfer needs to consume much time, and brings much inconvenience to the user, and the efficiency of resource transfer is reduced. By adopting the resource transfer method, when the expected user limit is larger than the resource transfer limit, the resource transfer limit can be improved, so that the user can transfer the resource through an online way, and the resource transfer efficiency is improved. And make up the short service board that the online transfer can not realize the large-amount cash-out of the offline network point counter.

In some embodiments, when the target resource transferring party and the target resource transferring party are different accounts of the same user, for example, when the same user is an account of different banks, the resource transfer between the target resource transferring party and the target resource transferring party after the quota is increased may be called a homonymous large-amount transfer, the homonymous transfer means that the resource transferring party and the resource transferring party correspond to the same user, and the large-amount transfer means that the resource transfer between the resource transferring party and the resource transferring party can be performed by the increased resource transfer quota. The resource transfer-out terminal or the resource transfer server can determine whether the target resource transfer-out party and the target resource transfer-in party are the same user by comparing the information of the target resource transfer-out party and the information of the target resource transfer-in party. For example, the names and cell phone numbers of the target resource transferring party and the target resource transferring party can be compared, and when the names and the cell phone numbers are consistent, the target resource transferring party and the target resource transferring party are determined to be the same user. The resource transfer-out terminal can provide the function of the same-name large-amount transfer for the resource transfer-out party, and the resource transfer-out party can transfer large-amount transfer to the corresponding resource transfer-in party by opening the function of the same-name large-amount transfer. The amount corresponding to the same-name large-amount transfer can be consumed by the resource amount transferred out through the same-name large-amount transfer function, the transfer between the same-name accounts which is not carried out through the large-amount transfer function is not consumed by the amount corresponding to the same-name large-amount transfer function, and when the transfer fails, the money is refunded positively, namely the amount which is not transferred successfully needs to be refunded when the transfer fails.

In some embodiments, the terminal may provide an interface entry for increasing the resource transfer limit, the terminal may send a limit increase request to the resource transfer server, the resource transfer server may determine whether to allow the limit increase through verification, so as to ensure that the limit increase request is the user operation and the security of resource transfer, the resource transfer server may generate a response result corresponding to the limit increase request, return the response result of the limit increase request, and when the response result indicates that the increase is successful, the terminal may perform resource transfer using the increased resource transfer limit. The limit lifting request can be a same-name large-amount transfer starting request, the resource roll-out terminal can send the same-name large-amount transfer starting request to the resource transfer server, the resource transfer server can judge through a same-name large-amount transfer starting condition, when the resource roll-out party meets the same-name large-amount transfer starting condition, the function of the same-name large-amount transfer is started for the resource roll-out party, and the limit lifting is carried out. The opening condition of the same-name large-amount transfer may include at least one of that the resource roll-out party registers a same-name receiver, that the same-name receiver has a transfer record, and that the time interval between the transfer record time and the current time is less than a preset time interval, or that the user (the resource roll-out party) agrees to open the same-name large-amount transfer.

As shown in fig. 3, when performing local transfer or cross-border remittance, if the limit of the user is not exceeded, the transfer can be directly performed, when the limit of the user is exceeded, the limit of the user can be increased, when the limit of the increased user is not exceeded by the platform limit, the transfer can be performed according to the increased limit of the user, when the limit of the increased user is exceeded by the platform limit, the resource transfer-out terminal can send a request for applying for opening a large-amount fund to the resource transfer server, when the registered payee and the registered payee have history transfer records and the user agrees to open the large-amount fund, the same-name large-amount fund is opened, the resource transfer limit corresponding to the same-name large-amount fund is greater than the platform limit, the user can transfer the large-amount resource through the same-name large-amount fund, wherein the limit refers to the limit of the user on the basis of the resource transfer, and the limit of the user is less than or equal to the resource transfer, the user quota is, for example, a single-day transferable amount set by the user on the basis of the bank single-day transferable amount. The user can adjust the user quota as desired. For example, the platform limit is 100 ten thousand, the user can set the single-day transferable limit to 10 ten thousand, that is, the user limit is 10 ten thousand, the transfer operation of the user exceeding 10 ten thousand fails, and the user can also reset the user limit, for example, the user limit is changed from 10 ten thousand to 20 ten thousand. The same-name large-amount fund transfer refers to the same-name large-amount fund transfer. The registered payee refers to a payee who has performed information registration on the line, and the registered payee is a concept opposite to the unregistered payee who has not performed information registration on the line. The large fund transfer refers to the same-name large fund transfer. Core deduction refers to resource roll-out by a bank core system (CBS), which is a capital accounting system that handles users and banks. The request for opening the large-amount transfer with the same name is the request for applying for opening the large-amount fund.

In some embodiments, the step S202 of determining the target resource transferring party to be subjected to quota improvement includes: according to the transfer party limit lifting triggering operation, displaying a transfer party information acquisition interface; and acquiring the transfer-in party information through a transfer-in party information acquisition interface to determine the target resource transfer-in party to be subjected to quota improvement.

Wherein, the transfer-in party quota promoting triggering operation is used for requesting to promote the quota of resource transfer of the transfer-out party. And after receiving the transfer party limit lifting triggering operation, the terminal can display the transfer party information acquisition interface. The transfer-in party limit lifting triggering operation can be determined according to the type of the target resource transfer-in party, and the transfer-in party limit lifting triggering operations of different types of resource transfer-out parties can be different. The types of resource rollouts may include new users and old users.

When the target resource roll-out party is a new user, the resource roll-out terminal can provide a quota improving entrance for quota improvement, the quota improving entrance is an entrance for large-quota account transfer with the same name, for example, the resource roll-out terminal can acquire an entrance triggering operation for the quota improving entrance, and the roll-in party information acquisition interface is displayed according to the entrance triggering operation. For example, the resource roll-out terminal may display the quota improving interface according to an entry triggering operation, the quota improving interface may include a quota improving determining button, the resource roll-out terminal may acquire a selection operation of the quota improving determining button, and the roll-in party information acquiring interface may be displayed according to the selection operation of the quota improving determining button. For example, as shown in fig. 7, the local transfer displayed by the resource transfer-out terminal may include a mobile phone number transfer, a bank account transfer, and a same-name large-amount transfer, where the same-name large-amount transfer indicates an entrance of the same-name large-amount transfer, the resource transfer-out terminal in fig. 7 may display a same-name large-amount transfer detail interface according to a selection operation on the same-name large-amount transfer, the content displayed by the same-name large-amount transfer detail interface is a detailed introduction on the same-name large-amount transfer, an "immediately activated" button in the same-name large-amount transfer detail interface corresponds to a limit elevation determination button, the resource transfer-out terminal may display a payee registration interface according to the selection operation on the "immediately activated" button, and the payee registration interface is a transfer party information acquisition interface.

When the target resource roll-out party is an old user, namely the target resource roll-out party registers a resource roll-in party needing the quota improvement and finishes the quota improvement, and a new resource roll-in party needs to be added, the resource roll-out terminal can display a roll-in party selection interface according to the triggering operation of an entrance, a roll-in party newly-added button can be arranged in the roll-in party selection interface, the resource roll-out terminal can acquire the selection operation of the roll-in party newly-added button, and the roll-in party information acquisition interface is displayed according to the selection operation of the roll-in party newly-added button. As shown in fig. 8, the payee selection interface corresponds to the transfer party selection interface, and the "new large payee" button corresponds to the transfer party new button, and when the trigger operation on the "new large payee" button is received, the terminal displays the transfer party information acquisition interface, such as the payee registration interface of fig. 8. The transferor selection interface may also include a button for jumping to the credit promotion details interface, such as the "function description" button in FIG. 8.

The transfer-in party information acquisition interface is used for acquiring information of a transfer-in party, wherein the information of the transfer-in party refers to information of a resource transfer-in party and can comprise identity information of the resource transfer-in party or information of a corresponding resource management party. When the resource transfer-in party is an enterprise, the identity information of the resource transfer-in party can comprise a corresponding enterprise name of the resource transfer-in party, and when the resource transfer-in party is an individual, the identity information of the resource transfer-in party can comprise the name of the resource transfer-in party.

Specifically, the information acquired by the transfer-in party information acquisition interface may be automatically acquired by the terminal or acquired according to user operation. For example, when the resource transfer-in party and the resource transfer-out party are accounts corresponding to the same user, the terminal may automatically acquire user information of the user and display the user information in the transfer-in party information acquisition interface. The terminal can also obtain and display the information of the transfer party according to the operation of the user on the information acquisition interface of the transfer party. The transfer-in party information acquisition interface may include an information filling area, the information filling area may be filled with corresponding information, the information filling area may include at least one of a name filling area or a phone number filling area, and the terminal may determine the transfer-in party information according to the content filled by the user, for example, when the name filling area is filled with "three-fold", the name of the transfer-in party is determined to be "three-fold". Of course, the transfer-in party information obtaining interface may also obtain other information, for example, a resource transfer mode may also be obtained, the resource transfer mode is the transfer mode in fig. 8, and the transfer mode in fig. 8 is transfer through a mobile phone number.

In the embodiment, the transfer party information acquisition interface is displayed according to the transfer party quota lifting triggering operation; the transfer-in party information is acquired through the transfer-in party information acquisition interface, the transfer-in party information can be conveniently and quickly acquired, the efficiency of acquiring the transfer-in party information is improved, and therefore the efficiency of determining the target resource to be subjected to quota improvement to be transferred in the transfer-in party is improved.

In some embodiments, the displaying the transfer-in party information acquisition interface according to the transfer-in party quota promoting triggering operation includes: according to the transfer party limit lifting triggering operation, obtaining the transfer party identity information corresponding to the target resource transfer party; and taking the identity information of the roll-out party as the identity information of the roll-in party and displaying the identity information in an information acquisition interface of the roll-in party.

The identity information may include at least one of a name or an identity card number, and the identity information of the transfer party is the identity information of the target resource transfer party.

Specifically, the resource roll-out terminal may obtain roll-out party identity information corresponding to the target resource roll-out party, and display the roll-out party identity information as roll-in party identity information in a roll-in party information obtaining interface. As shown in fig. 8, it is shown in the payee registration interface that the payee name "zhang san" may be the name of the corresponding payer, i.e., the payee name and the payer name are the same.

In the embodiment, the identity information of the roll-out party is used as the identity information of the roll-in party, so that the roll-in party and the roll-out party are the same-name users, the risk of resource transfer is reduced, and the safety of user funds is ensured.

In some embodiments, the obtaining of the transfer-in party information through the transfer-in party information obtaining interface to determine the target resource transfer-in party to be subjected to quota improvement includes: acquiring a resource manager corresponding to the transfer-in party through a transfer-in party information acquisition interface; and acquiring the identity authentication of the transfer-in party to obtain the identity authentication result of the transfer-in party, and taking the transfer-in party with the identity authentication result of the transfer-in party passing as the target resource transfer-in party to be subjected to the quota improvement.

The identity authentication result of the transfer party is obtained by performing consistency check on the identity information of the transfer party and the check identity information, and the check identity information is obtained from a server corresponding to the resource management party according to the identity identification of the transfer party corresponding to the identity information of the transfer party. The transfer-in party identity may include at least one of a mobile phone number, a bank account number or an identity card of the transfer-in party. The resource manager refers to a mechanism for resource management, and may have functions of resource transfer, resource storage, and the like, and may be a bank, for example. The resource manager corresponding to the transfer-in party refers to a resource manager to which the account of the transfer-in party belongs, for example, a bank corresponding to the bank account of the receiving party. The server corresponding to the resource manager may be a server to which the resource manager belongs, or may be a server that establishes a communication connection with a server to which the resource manager belongs. And the verification identity information is information which is stored in advance by a server corresponding to the resource manager. And the identity information is verified to correspond to the resource manager. The check identity information is the same, and the corresponding resource management parties can be different. For example, the two check identity information are both the name "zhang san", one check identity information corresponds to bank a, and the other check identity information corresponds to bank B.

Specifically, the resource transferring-out terminal may obtain the resource manager and the identity identifier of the transferring-in party corresponding to the transferring-in party through the information obtaining interface of the transferring-in party, may send the resource manager and the identity identifier of the transferring-in party corresponding to the resource manager of the transferring-out party to the server corresponding to the resource manager of the transferring-out party, and the server corresponding to the resource manager of the transferring-out party may perform identity authentication on the transferring-in party according to the identity identifier of the transferring-in party and the resource manager of the transferring-in party. For example, the server corresponding to the resource management party of the transferring-out party may obtain the check identity information according to the identity of the transferring-in party, compare the check identity information with the identity information of the transferring-in party, and when the comparison is consistent, determine that the authentication result of the transferring-in party is passed, otherwise determine that the authentication result of the transferring-in party is failed, and the server corresponding to the resource management party may send the authentication result of the transferring-in party to the resource transferring-out terminal, so that the transferring-in party with the authentication result of the transferring-in party passed is used as the target resource transferring-out party to be subjected to the quota improvement. Of course, the server corresponding to the resource management party may send the check identity information to the resource roll-out terminal, and the resource roll-out terminal may determine the target resource roll-in party to be subjected to the quota improvement according to the check identity information and the roll-in party identity information.

In some embodiments, the server corresponding to the resource manager is an authentication server, for example, a server where an FPS (fast Payment System) authentication System is located. The terminal can apply to a server corresponding to the resource management party for the authentication of the transferred-in party identity identifier, and after the authentication of the transferred-in party identity passes, the transferred-in party identity identifier and the identity information recorded in the corresponding resource management party can be stored in the identity authentication server, wherein the identity information stored in the identity authentication server is check identity information. For example, when the identity of the transferring party is a mobile phone number and the resource manager is bank a, the user can apply for FPS authentication of the mobile phone number to bank a, and after passing the fast-turn authentication, the identity information corresponding to the account of the transferring party in bank a, that is, the verification identity information, can be stored in the fast-turn authentication system. As shown in fig. 8, the transfer party identity is a mobile phone number authenticated by the FPS.

In some embodiments, the transfer-in party information obtaining interface may further include a selection button of the resource management party, the terminal may display the resource management party selection interface according to a trigger operation on the selection button of the resource management party, and the resource management party selection interface may include a resource management party list. The terminal can obtain the selection operation of the resource management party in the resource management party list through the resource management party selection interface, and the resource management party corresponding to the selection operation is used as the resource management party corresponding to the transfer party. As shown in fig. 8, the "bank select" button corresponds to a selection button of the resource manager, the bank select interface corresponds to a resource manager select interface, when bank a is selected, the payee interface is registered to display "bank a" at a position corresponding to the bank a, and the resource roll-out terminal can display an information reverse check interface by obtaining a trigger operation on the "next" button, indicating that the identity of the roll-in party is being verified.

In the embodiment, the transfer-in party with the passed identity authentication result is used as the target resource transfer-in party to be subjected to quota improvement, so that the safety of the target resource transfer-in party is improved.

In some embodiments, when the risk monitoring condition is satisfied, the increasing the resource transfer amount transferred from the target resource transferring party to the target resource transferring party comprises: and when the risk monitoring condition is met, adding the target resource transfer party into a transfer party set corresponding to the target resource transfer limit, wherein the target resource transfer limit is larger than the original transfer limit.

The target resource transfer limit refers to the resource transfer limit after the limit is increased, the transfer party set can comprise a plurality of target resource transfer parties, the transfer parties in the transfer party set share the target resource transfer limit, and the same target resource transfer limit is consumed when the transfer parties transfer accounts for any target resource in the transfer party set from the target resource transfer party. The target resource transfer quota may correspond to the target quota identifier. The quota identifier is used for uniquely identifying a quota.

Specifically, when the risk monitoring condition is met, the terminal can establish an association relationship between the target resource transfer party and the target quota identifier, so that the target resource transfer party is used as a transfer party corresponding to the target resource transfer quota, and becomes a transfer party in a transfer party set corresponding to the target resource transfer quota.

In some embodiments, the resource roll-out terminal may correspondingly display the roll-in party and the corresponding quota identifier. As shown in fig. 8, 9 and 10, the amount corresponding to the "zhang san" of the transfer-in party is identified as "large payee".

In this embodiment, when the risk monitoring condition is satisfied, it may be determined that resource transfer from the target resource transferring party to the target resource transferring party is safe, and when the risk monitoring condition is satisfied, the target resource transferring party is added to the transferring party set corresponding to the target resource transfer limit, so that it may be ensured that the transferring party corresponding to the target resource transfer limit is a user capable of performing safe resource transfer, and the security of resource transfer is improved.

In some embodiments, the method further comprises: displaying each target resource transfer-in party in the transfer-in party set; when the selection operation of the target resource transfer party is received, a second resource transfer interface for transferring the resource from the target resource transfer party to the target resource transfer party is displayed, so that the resource transfer is performed according to the operation of the second resource transfer interface, and the resource transfer limit corresponding to the second resource transfer interface is the target resource transfer limit.

The second resource transfer interface is used for transferring resources under the target resource transfer limit, and the second resource transfer interface is used for transferring resources, so that the target resource transfer limit is consumed. The amount input in the amount filling area in the second resource transfer interface is less than or equal to the target resource transfer limit and can be greater than the original transfer limit.

Specifically, the resource transfer-out terminal may display each target resource transfer-in party in the transfer-in party set, and when receiving a selection operation on the target resource transfer-in party, display a second resource transfer interface for performing resource transfer from the target resource transfer-out party to the target resource transfer-in party.

In the embodiment, the second resource transfer interface for transferring the resource from the target resource transferring direction to the target resource transferring party is displayed by obtaining the selection operation of the target resource transferring party in the transferring party set, and the resource transfer is performed according to the operation of the second resource transfer interface.

In some embodiments, presenting each target resource transferring party in the transferring party set comprises: displaying a resource transfer entrance corresponding to the target resource transfer limit; and when the triggering operation of the resource transfer entrance is received, showing each target resource transfer party in the transfer party set.

The resource transfer entrance corresponding to the target resource transfer amount is an entrance for transferring resources under the target resource transfer amount, for example, an entrance for transferring money with the same name and large amount, that is, when the resource transfer entrance enters a resource transfer interface for transferring resources, the target resource transfer amount is consumed, and the resources can be transferred within an unused amount range corresponding to the target resource transfer amount.

Specifically, the resource transfer-out terminal may display a resource transfer mode selection interface, and a resource transfer entry corresponding to the target resource transfer limit may be displayed on the resource transfer mode selection interface. As shown in fig. 8, the "local transfer" interface is a resource transfer mode selection interface, showing 3 transfer modes of local transfer: the method comprises the following steps of 'mobile phone number transfer', 'bank account number transfer' and 'same-name large-amount transfer'. Wherein, the entrance of the 'same-name large-amount transfer' represents a resource transfer entrance corresponding to the target resource transfer limit.

In some embodiments, the resource transfer server may determine whether the information of the resource transfer-out terminal and the resource transfer-out party changes within a preset time range, and may show a resource transfer entry corresponding to the target resource transfer amount, for example, a "homonymous high-value money-out entry", when the information of the resource transfer-out terminal or the resource transfer-out party does not change within the preset time range. The preset time range can be set as required, for example, 7 days. As shown in fig. 11, the resource transfer server may determine whether the mobile phone number corresponding to the resource roll-out party and the corresponding softtoken have changed in the last 7 days, determine that the resource roll-out terminal corresponding to the resource roll-out party has been modified when the softtoken has changed, and enable the resource roll-out terminal to display the same-name large-amount money outlet (i.e., the same-name large-amount money transfer inlet) when both the mobile phone number corresponding to the resource roll-out party and the corresponding softtoken have been modified.

In the embodiment, the resource transfer inlets corresponding to the target resource transfer quota are displayed, when the triggering operation of the resource transfer inlets is received, the target resource transfer parties in the transfer party set are displayed, the target resource transfer parties in the transfer party set can be rapidly displayed, and users can rapidly select the users for resource transfer from the displayed target resource transfer parties, so that the time for selecting the target resource transfer parties is saved, and the resource transfer efficiency is improved.

In some embodiments, the risk monitoring condition includes a time interval between a transfer time corresponding to the first resource transfer request and a current time, and when a duration threshold is reached, a risk degree corresponding to the resource transfer task is smaller than a degree threshold, the method further includes: and displaying the credit promotion verification state information according to the difference between the time interval and the time length threshold.

The transfer time may be the completion time of the resource transfer task corresponding to the first resource transfer request, that is, the time point when the resources with the first resource transfer amount in the resource transfer-out party account are transferred to the resource transfer-in party account. The current time refers to a time point corresponding to the current time. The duration threshold may be set as desired, for example 24 hours. The risk degree refers to the size of the risk, the size of the risk and the risk degree form a positive correlation, and the larger the risk degree is, the larger the risk is. The risk degree may be represented by a risk grade, and the risk grade may include one grade, two grades, three grades, and the like, and different grades correspond to different risk degrees, for example, the risk degree and the risk grade may have a positive correlation, that is, the greater the risk degree grade, the greater the risk degree. The degree threshold may be set as desired, and may be selected from a risk level, such as two levels. The credit promotion verification status information may include at least one of status information or time information, and the status information may be verification or verification success. The time information may be a difference of the time interval from a duration threshold.

Specifically, the resource roll-out terminal may determine the status information and the time information in the quota improving verification status information according to a difference between the time interval and the duration threshold. The resource transfer-out terminal may calculate a duration difference obtained by subtracting the time interval from the duration threshold, and may use the duration difference as time information. When the time interval is smaller than the duration threshold, the resource roll-out terminal can determine that the state information is in verification, when the time interval reaches the duration threshold and the risk degree corresponding to the resource transfer task is smaller than the degree threshold, the resource roll-out terminal can determine that the state information is successful in verification, and when the time interval is smaller than or equal to the duration threshold and the risk degree corresponding to the resource transfer task is larger than the degree threshold, the resource roll-out terminal can determine that the state information is failed in verification. As shown in fig. 12 and fig. 13, the transfer verification interface respectively shows the credit line promotion verification status information during verification and the credit line promotion verification status information after verification, and 2h (hour) in fig. 12 refers to the time information in the credit line promotion verification status information.

In some embodiments, the resource transfer-out terminal or the resource transfer server may perform risk monitoring on the resource transfer task with the transfer time as a starting point, and calculate a risk degree corresponding to the resource transfer task when a time interval between the current time and the transfer time reaches a duration threshold. The resource transfer-out terminal or the resource transfer server can acquire risk related data corresponding to the resource transfer task within the time threshold range, and determine the risk degree corresponding to the resource transfer task according to the risk related data. The risk-related data may include at least one of reporting data for resource transfer tasks or historical transfer data for resource transferors over a time threshold range. For example, when there is a report on the resource transfer task within the time length threshold, it is determined that the risk degree corresponding to the resource transfer task is greater than the degree threshold.

In this embodiment, the credit promotion verification status information is displayed according to the difference between the time interval and the time length threshold, and the credit promotion transition can be visually and timely displayed, so that the user can know the credit promotion real-time status information.

In some embodiments, as shown in fig. 14, a resource transfer method is provided, which is described by taking the method as an example applied to the resource transfer server 104 in fig. 1, and includes the following steps:

s1402, receiving a first resource transfer request sent by the resource roll-out terminal, where the first resource transfer request carries a first resource transfer amount, and the first resource transfer request is used to request that resources of the first resource transfer amount are transferred from a target resource roll-out party corresponding to the resource roll-out terminal to a target resource roll-in party, where the target resource roll-in party is a resource roll-in party to be subjected to quota improvement, and the first resource transfer amount is within an original transfer quota range before quota improvement.

S1404, executing the resource transfer task according to the first resource transfer request.

And S1406, performing risk monitoring on the resource transfer task, and promoting the resource transfer limit transferred from the target resource transferring party to the target resource transferring party when the risk monitoring condition is met.

In the resource transfer method, a first resource transfer request sent by a resource transfer-out terminal is received, a resource transfer task is executed according to the first resource transfer request, so that resources with a first resource transfer quantity are transferred from a target resource transfer-out party corresponding to the resource transfer-out terminal to a target resource transfer-in party, risk monitoring is carried out on the resource transfer task, and when the resource transfer task meets risk monitoring conditions, the resource transfer limit transferred from the target resource transfer-out party to the target resource transfer-in party is improved. The resource transfer verification of the limit lifting is carried out in the original limit transfer range, so that the risk of executing the resource transfer task is reduced, and the limit lifting is carried out on the resource transfer limit of the target resource transfer party with a specific target resource transfer direction when the resource transfer task meets the risk monitoring condition, so that the safety of lifting the resource transfer limit is ensured. After the resource transfer limit is increased, the user can transfer the resource by using the increased resource transfer limit, so that the resource transfer efficiency is improved.

In some embodiments, the step S1406 is to perform risk monitoring on the resource transfer task, and when the risk monitoring condition is met, the increasing the resource transfer amount transferred from the target resource transferring party to the target resource transferring party includes: acquiring a time interval between transfer time corresponding to the first resource transfer request and current time; and when the time interval reaches the time threshold, determining that the risk degree corresponding to the resource transfer task is smaller than the degree threshold, determining that the risk monitoring condition is met, and improving the resource transfer limit transferred from the target resource transferring party to the target resource transferring party.

In this embodiment, when the time interval reaches the time threshold, if the risk degree corresponding to the resource transfer task is smaller than the degree threshold, it is determined that the risk monitoring condition is satisfied, that is, it is determined that the resource transfer between the target resource transferring-out party and the target resource transferring-in party is safe, so that when it is determined that the risk monitoring condition is satisfied, the resource transfer limit transferred from the target resource transferring-out party to the target resource transferring-in party is increased, and it is ensured that the resource transfer using the increased limit is safe.

In some embodiments, the raising the resource transfer amount transferred from the target resource transferring party to the target resource transferring party comprises: and adding the target resource transfer party into a transfer party set corresponding to the target resource transfer limit, wherein the target resource transfer limit is larger than the original transfer limit.

In the embodiment, the target resource transfer party is added into the transfer party set corresponding to the target resource transfer limit, so that the transfer party corresponding to the target resource transfer limit can be ensured to be a user capable of performing safe resource transfer, and the safety of resource transfer is improved.

In some embodiments, the method further comprises: receiving a second resource transfer request, wherein the second resource transfer request is triggered through a second resource transfer interface, and a resource transfer quota corresponding to the second resource transfer interface is a target resource transfer quota; and acquiring a residual amount corresponding to the target resource transfer amount, and when the second resource transfer amount in the second resource transfer request is less than or equal to the residual amount, performing resource transfer according to the second resource transfer request.

And the second resource transfer request is used for requesting resource transfer according to the target resource transfer limit. The remaining quota corresponding to the target resource transfer quota refers to the amount of the target resource transfer quota which is not consumed yet.

Specifically, the resource transfer server may compare the second resource transfer amount with the remaining amount corresponding to the standard resource transfer amount, and when the second resource transfer amount is greater than the remaining amount corresponding to the standard resource transfer amount, the resource transfer server may generate an excess prompt message and return the excess prompt message to the resource transfer-out terminal, as shown in fig. 5, the resource transfer server may determine whether the filling amount exceeds the same-name limit (same-name large-amount limit), that is, determine whether the filling amount exceeds the amount that is not consumed by the same-name limit, and when the excess exceeds the same-name large-amount limit, prompt that the filling amount exceeds the same-name large-amount limit, and otherwise perform 3FA (Three-factor authentication ), complete the transfer, and complete the resource transfer task. The authentication mode of the 3FA may include any three of soft token authentication, password authentication, face recognition, fingerprint recognition, and the like. The precedence relationship of each authentication mode in the 3FA may be preset according to needs, or may be arbitrary.

In this embodiment, when the second resource transfer amount in the second resource transfer request is less than or equal to the remaining amount, the resource transfer is performed according to the second resource transfer request, so that the amount of the resource transfer is ensured not to exceed the target resource transfer amount, and the security of the resource transfer is improved.

In some embodiments, as shown in fig. 10, a flowchart corresponding to a resource transfer method is shown, which includes the following steps:

1. displaying the same-name large-amount fund outlet, and entering a large-amount fund outlet page through displaying the same-name large-amount fund outlet;

2. judging whether the resource transfer-out party registers the payee of the same mobile phone number, if so, executing step 3, if not, the resource transfer-out terminal guides the user to add the frequently-used payee of the user, the resource transfer-out terminal automatically pulls the local information and the mobile phone number (including the name and the mobile phone number corresponding to the resource transfer-out party), acquires a bank selected by the user, judges whether the name of the user is consistent with the name of the back check FPS, namely judges whether the name corresponding to the resource transfer-out party is consistent with the name obtained by the back check FPS, if so, performing 2FA (Two-factor authentication), completes registration (namely, a target resource transfer-in party to be subjected to quota improvement is determined), if not, performing prompt error report of inconsistent name, and if the payee exists, prompting that the payee exists and completing registration.

3. Judging whether a payee with the same mobile phone number has a transfer record, namely judging whether a resource transfer party transfers resources to the payee with the same mobile phone number through a large-amount money-out page, if so, executing the step 4, otherwise, determining that the payee with the same mobile phone number is the payee to be subjected to transfer verification, wherein the resource transfer terminal can obtain the selection operation of [ transfer verification to be subjected ] and perform a resource transfer interface, automatically pull the registered payee of the payee through the resource transfer interface, obtain the filled amount, and perform 1FA (one-factor authentication) to finish transfer;

4. judging whether the transfer record in the step 3 is more than 24 hours, if so, executing a step 5, and if so, determining that the transfer record is in transfer verification;

5. judging whether the same-name quota is 0, if not, finishing the addition of a large-amount payee, namely improving the resource transfer limit for resource transfer between the resource transfer party and the payee, and if so, executing the step 6;

6. and setting the same-name quota to 500 thousands, and carrying out 1FA verification, wherein the same-name quota setting is successful.

Wherein, the same-name quota refers to a resource transfer limit adopted by resource transfer through the same-name large-amount transfer. The 1FA may be any one of soft token authentication, password authentication, face recognition, fingerprint recognition, or the like. The 2FA may include any two of soft token authentication, password authentication, face recognition, fingerprint recognition, or the like.

In some embodiments, taking the resource transfer-out terminal 102 as an example, the resource transfer method provided in the embodiments of the present application is described, including the following steps:

1. and according to the transfer party limit lifting triggering operation, obtaining the transfer party identity information corresponding to the target resource transfer party.

2. And taking the identity information of the roll-out party as the identity information of the roll-in party and displaying the identity information in an information acquisition interface of the roll-in party.

3. And acquiring a resource manager corresponding to the transfer-in party through a transfer-in party information acquisition interface, acquiring a transfer-in party identity authentication result obtained by performing identity authentication on the transfer-in party, and taking the transfer-in party with the passed transfer-in party identity authentication result as a target resource transfer-in party to be subjected to quota improvement.

The identity authentication result of the transfer party is obtained by performing consistency check on the identity information of the transfer party and the check identity information, and the check identity information is obtained from a server corresponding to the resource management party according to the identity identification of the transfer party corresponding to the identity information of the transfer party.

4. And displaying a first resource transfer interface for transferring the resources from the target resource transfer-out party corresponding to the local terminal to the target resource transfer-in party.

5. And acquiring a first resource transfer quantity through a first resource transfer interface, wherein the first resource transfer quantity is within the range of the original transfer quota before the quota is increased.

6. And sending a first resource transfer request to the resource transfer server according to the first resource transfer quantity.

Specifically, the resource transfer server may execute the resource transfer task according to the first resource transfer request, transfer the resource of the first resource transfer amount from the target resource transferring party to the target resource transferring party, and perform risk monitoring on the resource transfer task, when a risk monitoring condition is satisfied, the resource transferring terminal may add the target resource transferring party to a transferring party set corresponding to the target resource transfer amount, and the target resource transfer amount is greater than the original transfer amount. The risk monitoring condition may include a time interval between transfer time corresponding to the first resource transfer request and current time, and when the time interval reaches a duration threshold, the risk degree corresponding to the resource transfer task is smaller than a degree threshold. The resource transfer-out terminal can display the limit promotion verification state information according to the difference between the time interval and the duration threshold.

7. And displaying the resource transfer entrance corresponding to the target resource transfer amount, and displaying each target resource transfer party in the transfer party set when receiving the triggering operation of the resource transfer entrance.

8. And when the selection operation of the target resource transfer-in party is received, displaying a second resource transfer interface for transferring the resources from the target resource transfer-out party to the target resource transfer-in party.

Specifically, the resource transfer terminal may perform resource transfer according to an operation of the second resource transfer interface, where the resource transfer credit corresponding to the second resource transfer interface is the target resource transfer credit.

It should be understood that although the steps in the flowcharts of fig. 2 to 14 are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least some of the steps in fig. 2 to 14 may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of performing the steps or stages is not necessarily sequential, but may be performed alternately or alternately with other steps or at least some of the other steps or stages.

In some embodiments, as shown in fig. 15, there is provided a resource transfer apparatus, which may be a part of a computer device using a software module or a hardware module, or a combination of the two, and specifically includes: a target resource transferring party determining module 1502, a first resource transferring interface showing module 1504, a first resource transferring quantity obtaining module 1506 and a first resource transferring request sending module 1508, wherein:

and a target resource transfer-in party determining module 1502 for determining a target resource transfer-in party to be subjected to quota improvement.

The first resource transfer interface display module 1504 is configured to display a first resource transfer interface for performing resource transfer from the target resource transferring party to the target resource transferring party, where the target resource transferring party corresponds to the local terminal.

The first resource transfer amount obtaining module 1506 is configured to obtain a first resource transfer amount through the first resource transfer interface, where the first resource transfer amount is within an original transfer amount range before the amount is increased.

The first resource transfer request sending module 1508 is configured to send a first resource transfer request to the resource transfer server according to the first resource transfer amount, so that the resource transfer server executes a resource transfer task according to the first resource transfer request, so as to transfer the resource of the first resource transfer amount from the target resource transferring party to the target resource transferring party, perform risk monitoring on the resource transfer task, and when a risk monitoring condition is met, increase a resource transfer quota transferred from the target resource transferring party to the target resource transferring party.

In some embodiments, the target resource transferor determination module 1502 includes:

and the transfer-in party information acquisition interface display unit is used for displaying the transfer-in party information acquisition interface according to the transfer-in party quota lifting triggering operation.

And the transfer-in party information acquisition unit is used for acquiring the transfer-in party information through the transfer-in party information acquisition interface so as to determine the target resource transfer-in party to be subjected to quota improvement.

In some embodiments, the transfer-in party information obtaining interface display unit is further configured to obtain transfer-out party identity information corresponding to the target resource transfer-out party according to the transfer-in party quota hoisting trigger operation; and taking the identity information of the roll-out party as the identity information of the roll-in party and displaying the identity information in an information acquisition interface of the roll-in party.

In some embodiments, the transfer-in party information obtaining unit is further configured to obtain a resource manager corresponding to the transfer-in party through the transfer-in party information obtaining interface; acquiring the identity authentication of the transfer-in party to obtain a transfer-in party identity authentication result, and taking the transfer-in party with the passed transfer-in party identity authentication result as a target resource transfer-in party to be subjected to quota improvement; the identity authentication result of the transfer party is obtained by performing consistency check on the identity information of the transfer party and the check identity information, and the check identity information is obtained from a server corresponding to the resource management party according to the identity identification of the transfer party corresponding to the identity information of the transfer party.

In some embodiments, the first resource transfer request sending module 1508 is further configured to, when the risk monitoring condition is met, add the target resource transfer quota into a set of transfer parties corresponding to the target resource transfer quota, where the target resource transfer quota is greater than the original transfer quota.

In some embodiments, the resource transfer apparatus further comprises:

and the target resource transfer-in party display module is used for displaying each target resource transfer-in party in the transfer-in party set.

And the second resource transfer interface display module is used for displaying a second resource transfer interface for transferring the resource from the target resource transferring party to the target resource transferring party by the target resource transferring party when the selection operation of the target resource transferring party is received, so that the resource transfer is carried out according to the operation of the second resource transfer interface, and the resource transfer limit corresponding to the second resource transfer interface is the target resource transfer limit.

In some embodiments, the target resource transfer-in party exhibition module comprises:

and the resource transfer entrance display unit is used for displaying the resource transfer entrance corresponding to the target resource transfer limit.

And the target resource transfer-in party display unit is used for displaying each target resource transfer-in party in the transfer-in party set when the triggering operation of the resource transfer entrance is received.

In some embodiments, the risk monitoring condition includes a time interval between a transfer time corresponding to the first resource transfer request and a current time, when the time interval reaches a time threshold, a risk degree corresponding to the resource transfer task is smaller than a degree threshold, and the resource transfer device is further configured to display the quota improving verification state information according to a difference between the time interval and the time threshold.

In some embodiments, as shown in fig. 16, there is provided a resource transfer apparatus, which may be a part of a computer device using a software module or a hardware module, or a combination of the two, and specifically includes: a first resource transfer request receiving module 1602, a resource transfer task executing module 1604, and a risk monitoring module 1606, wherein:

a first resource transfer request receiving module 1602, configured to receive a first resource transfer request sent by a resource roll-out terminal, where the first resource transfer request carries a first resource transfer amount, and the first resource transfer request is used to request that a resource of the first resource transfer amount is transferred from a target resource roll-out party corresponding to the resource roll-out terminal to a target resource roll-in party, where the target resource roll-in party is a resource roll-in party to be subjected to quota improvement, and the first resource transfer amount is within an original transfer quota range before quota improvement.

The resource transfer task execution module 1604 is configured to execute the resource transfer task according to the first resource transfer request.

And the risk monitoring module 1606 is configured to perform risk monitoring on the resource transfer task, and when a risk monitoring condition is met, promote a resource transfer amount transferred from the target resource transferring party to the target resource transferring party.

In some embodiments, risk monitoring module 1606 includes:

and the time interval acquisition unit is used for acquiring the time interval between the transfer time corresponding to the first resource transfer request and the current time.

And the limit lifting unit is used for determining that the risk monitoring condition is met and lifting the resource transfer limit transferred from the target resource transfer party to the target resource transfer party when the time interval reaches the time threshold and the risk degree corresponding to the resource transfer task is smaller than the degree threshold.

In some embodiments, the risk monitoring module 1606 is further configured to add the target resource transferring party to a transferring party set corresponding to the target resource transferring quota, where the target resource transferring quota is greater than the original transferring quota.

In some embodiments, the resource transfer apparatus further comprises:

and the second resource transfer request receiving module is used for receiving a second resource transfer request, the second resource transfer request is triggered through a second resource transfer interface, and the resource transfer quota corresponding to the second resource transfer interface is the target resource transfer quota.

And the resource transfer module is used for acquiring the residual amount corresponding to the target resource transfer amount, and when the second resource transfer amount in the second resource transfer request is less than or equal to the residual amount, performing resource transfer according to the second resource transfer request.

For the specific limitation of the resource transfer apparatus, reference may be made to the above limitation on the resource transfer method, which is not described herein again. The modules in the resource transfer device can be wholly or partially implemented by software, hardware and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.

In some embodiments, a computer device is provided, which may be a server, the internal structure of which may be as shown in fig. 17. The computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer equipment is used for storing data such as resource transfer quantity, transfer quota and the like. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a resource transfer method.

In some embodiments, a computer device is provided, which may be a terminal, and its internal structure diagram may be as shown in fig. 18. The computer device includes a processor, a memory, a communication interface, a display screen, and an input device connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless communication can be realized through WIFI, an operator network, NFC (near field communication) or other technologies. The computer program is executed by a processor to implement a resource transfer method. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on the shell of the computer equipment, an external keyboard, a touch pad or a mouse and the like.

It will be appreciated by those skilled in the art that the configurations shown in fig. 17 and 18 are block diagrams of only some of the configurations relevant to the present application, and do not constitute a limitation on the computing devices to which the present application may be applied, and a particular computing device may include more or less components than those shown, or some of the components may be combined, or have a different arrangement of components.

In some embodiments, there is further provided a computer device comprising a memory and a processor, the memory having stored therein a computer program, the processor implementing the steps of the above method embodiments when executing the computer program.

In some embodiments, a computer-readable storage medium is provided, in which a computer program is stored, which computer program, when being executed by a processor, carries out the steps of the above-mentioned method embodiments.

In some embodiments, a computer program product or computer program is provided that includes computer instructions stored in a computer-readable storage medium. The computer instructions are read by a processor of a computer device from a computer-readable storage medium, and the computer instructions are executed by the processor to cause the computer device to perform the steps in the above-mentioned method embodiments.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database or other medium used in the embodiments provided herein can include at least one of non-volatile and volatile memory. Non-volatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical storage, or the like. Volatile Memory can include Random Access Memory (RAM) or external cache Memory. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others.

The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.

The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.

Claims

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

determining a target resource transfer-in party to be subjected to quota improvement;

displaying a first resource transfer interface for transferring resources from a target resource transfer-out party corresponding to the local terminal to the target resource transfer-in party;

acquiring a first resource transfer quantity through the first resource transfer interface, wherein the first resource transfer quantity is in the range of the original transfer quota before quota is increased;

and sending a first resource transfer request to a resource transfer server according to the first resource transfer quantity, so that the resource transfer server executes a resource transfer task according to the first resource transfer request, so as to transfer the resources with the first resource transfer quantity from the target resource transferring party to the target resource transferring party, perform risk monitoring on the resource transfer task, and improve the resource transfer limit transferred from the target resource transferring party to the target resource transferring party when the risk monitoring condition is met.

2. The method as claimed in claim 1, wherein the determining the target resource transferring party to be quota-improved comprises:

according to the transfer party limit lifting triggering operation, displaying a transfer party information acquisition interface;

and acquiring the transfer-in party information through the transfer-in party information acquisition interface so as to determine the target resource transfer-in party to be subjected to quota improvement.

3. The method as claimed in claim 2, wherein the displaying the transfer-in party information obtaining interface according to the transfer-in party quota promoting triggering operation comprises:

acquiring the identity information of the transfer party corresponding to the target resource transfer party according to the transfer party limit lifting trigger operation;

and taking the transfer-out party identity information as transfer-in party identity information and displaying the transfer-in party identity information in the transfer-in party information acquisition interface.

4. The method as claimed in claim 3, wherein the obtaining of the transfer-in party information through the transfer-in party information obtaining interface to determine the target resource transfer-in party to be subjected to the quota improvement comprises:

acquiring a resource manager corresponding to the transfer-in party through the transfer-in party information acquisition interface;

acquiring a transferring-in party identity authentication result obtained by performing identity authentication on the transferring-in party, and taking the transferring-in party with the passing transferring-in party identity authentication result as a target resource transferring-in party to be subjected to quota improvement;

the identity authentication result of the transfer-in party is obtained by performing consistency check on the identity information of the transfer-in party and the check identity information, and the check identity information is obtained from a server corresponding to the resource management party according to the identity identification of the transfer-in party corresponding to the identity information of the transfer-in party.

5. The method according to claim 1, wherein the increasing the resource transfer amount transferred from the target resource transferring party to the target resource transferring party when the risk monitoring condition is satisfied comprises:

and when the risk monitoring condition is met, adding the target resource transfer party into a transfer party set corresponding to the target resource transfer limit, wherein the target resource transfer limit is larger than the original transfer limit.

6. The method of claim 5, further comprising:

displaying each target resource transfer-in party in the transfer-in party set;

and when the selection operation of the target resource transfer party is received, displaying a second resource transfer interface for transferring the resource from the target resource transfer party to the target resource transfer party, so as to transfer the resource according to the operation of the second resource transfer interface, wherein the resource transfer limit corresponding to the second resource transfer interface is the target resource transfer limit.

7. The method according to claim 6, wherein said presenting each said target resource transferring-in party in said set of transferring-in parties comprises:

displaying a resource transfer entrance corresponding to the target resource transfer limit;

and when the triggering operation of the resource transfer entrance is received, displaying each target resource transfer-in party in the transfer-in party set.

8. The method according to claim 1, wherein the risk monitoring condition includes a time interval between a transfer time corresponding to the first resource transfer request and a current time, and when a time threshold is reached, a risk degree corresponding to the resource transfer task is smaller than a degree threshold, the method further comprising:

and displaying the quota promotion verification state information according to the difference between the time interval and the duration threshold.

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

receiving a first resource transfer request sent by a resource roll-out terminal, wherein the first resource transfer request carries a first resource transfer quantity, the first resource transfer request is used for requesting that resources of the first resource transfer quantity are transferred to a target resource roll-in party from a target resource roll-out party corresponding to the resource roll-out terminal, the target resource roll-in party is a resource roll-in party to be subjected to quota improvement, and the first resource transfer quantity is within an original transfer quota range before quota improvement;

executing a resource transfer task according to the first resource transfer request;

and carrying out risk monitoring on the resource transfer task, and promoting the resource transfer limit transferred from the target resource transfer party to the target resource transfer party when the risk monitoring condition is met.

10. The method of claim 9, wherein the risk monitoring of the resource transfer task, and when a risk monitoring condition is met, the increasing of the resource transfer amount transferred from the target resource transferring party to the target resource transferring party comprises:

acquiring a time interval between transfer time corresponding to the first resource transfer request and current time;

and when the time interval reaches a time threshold, determining that the risk degree corresponding to the resource transfer task is smaller than a degree threshold, determining that a risk monitoring condition is met, and improving the resource transfer limit transferred from the target resource transfer party to the target resource transfer party.

11. The method as claimed in claim 9, wherein the raising the resource transfer amount transferred from the target resource transferring party to the target resource transferring party comprises:

and adding the target resource transfer party into a transfer party set corresponding to the target resource transfer limit, wherein the target resource transfer limit is larger than the original transfer limit.

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

the target resource transfer-in party determining module is used for determining a target resource transfer-in party to be subjected to quota improvement;

the first resource transfer interface display module is used for displaying a first resource transfer interface which is used for performing resource transfer from a target resource transfer-out party corresponding to the local terminal to a target resource transfer-in party;

a first resource transfer quantity obtaining module, configured to obtain a first resource transfer quantity through the first resource transfer interface, where the first resource transfer quantity is within an original transfer quota range before quota is increased;

the first resource transfer request sending module is used for sending a first resource transfer request to a resource transfer server according to the first resource transfer quantity, so that the resource transfer server executes a resource transfer task according to the first resource transfer request, so that the resources with the first resource transfer quantity are transferred from the target resource transferring party to the target resource transferring party, the resource transfer task is subjected to risk monitoring, and when a risk monitoring condition is met, the resource transfer limit transferred from the target resource transferring party to the target resource transferring party is improved.

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

a first resource transfer request receiving module, configured to receive a first resource transfer request sent by a resource transfer-out terminal, where the first resource transfer request carries a first resource transfer amount, the first resource transfer request is used to request that a resource of the first resource transfer amount is transferred from a target resource transfer-out party corresponding to the resource transfer-out terminal to a target resource transfer-in party, where the target resource transfer-in party is a resource transfer-in party to be subjected to quota improvement, and the first resource transfer amount is within an original transfer quota range before quota improvement;

the resource transfer task execution module is used for executing a resource transfer task according to the first resource transfer request;

and the risk monitoring module is used for carrying out risk monitoring on the resource transfer task and promoting the resource transfer limit transferred from the target resource transfer party to the target resource transfer party when the risk monitoring condition is met.

14. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any one of claims 1 to 8 or 9 to 11 when executing the computer program.

15. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 8 or 9 to 11.