CN117372000A - Financial resource transfer method, apparatus, computer device and storage medium - Google Patents
Financial resource transfer method, apparatus, computer device and storage medium Download PDFInfo
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- 238000005516 engineering process Methods 0.000 description 4
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
- Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
- Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
- Y02D10/00—Energy efficient computing, e.g. low power processors, power management or thermal management
Abstract
The application relates to a financial resource transfer method, a financial resource transfer device, computer equipment and a storage medium, and relates to the technical field of blockchain. The method comprises the following steps: acquiring a plurality of pre-charge accounts of a current user at the current time from a blockchain network; determining the pre-charge resource transfer sequence of the plurality of pre-charge accounts according to the resource parameters of the pre-charge financial resources of the plurality of pre-charge accounts; according to the pre-charge resource transfer sequence, transferring the storage resources in the storage accounts of the current user to a plurality of pre-charge accounts; identifying a target pre-payment account with failed resource transfer from the plurality of pre-payment accounts under the condition that the resource parameter of the storage resource in the storage account of the current user is smaller than the total resource parameter of the pre-payment financial resources of the plurality of pre-payment accounts; and acquiring an authorized account of the current user from the blockchain network, calling storage resources in the authorized account, and performing resource transfer operation on the target pre-payment account. The method can improve the utilization rate and performance of the computing resources.
Description
Technical Field
The present application relates to the field of blockchain technology, and in particular, to a financial resource transfer method, apparatus, computer device, storage medium, and computer program product.
Background
Currently, loan repayment needs to transfer a certain amount of funds to a designated loan account at a fixed time, and usually adopts a mode of associating the loan account with other bank cards under the same bank to achieve the effect of automatic repayment.
However, since the loan account may not be consistent with the bank in which the funds are deposited, and there are many types of loans such as house loans, car loans, credit cards, etc. under the customer's name, these loans need to be repayment on different repayment days, and at this time, the customer needs to intervene in the repayment process several times a month and perform frequent manual transfer operations, so that the computer device needs to frequently respond to the instructions and requests triggered by the customer and process several transfer transactions according to these instructions and requests, thus increasing the burden of the computer device and resulting in lower resource utilization of the computer device.
Disclosure of Invention
Based on this, it is necessary to provide a financial resource transfer method, apparatus, computer device, computer readable storage medium and computer program product for the technical problem of low resource utilization of the computer device.
In a first aspect, the present application provides a financial resource transfer method applied to at least one server node in a blockchain network, the method comprising:
Acquiring a plurality of pre-charge accounts of a current user at the current time from the blockchain network; the plurality of pre-support accounts are all pre-support accounts with corresponding pre-support resource transfer deadlines belonging to the current time;
determining the pre-branch resource transfer sequence of the plurality of pre-branch accounts according to the resource parameters of the pre-branch financial resources of the plurality of pre-branch accounts;
according to the pre-support resource transfer sequence, transferring the storage resources in the storage accounts of the current user to the plurality of pre-support accounts;
identifying a target pre-charge account with failed resource transfer from the plurality of pre-charge accounts under the condition that the resource parameter of the storage resource in the storage account of the current user is smaller than the total resource parameter of the pre-charge financial resources of the plurality of pre-charge accounts;
acquiring an authorized account of a current user from the blockchain network, calling storage resources in the authorized account, and performing resource transfer operation on the target pre-payment account; the authorized account is a storage account of an authorized user of the current user.
In one embodiment, the storage account includes at least one;
the transferring the storage resources in the storage accounts of the current user to the plurality of pre-support accounts according to the pre-support resource transferring sequence comprises the following steps:
Arranging the plurality of pre-support accounts according to the pre-support resource transfer sequence to obtain arranged pre-support accounts;
for each of the arranged pre-paid accounts, acquiring a financial institution to which the each pre-paid account belongs and a financial institution to which a storage account of the current user belongs from the blockchain network;
determining a first storage resource transfer priority of a storage account of the current user based on the financial institution to which each pre-paid account belongs and the financial institution to which the storage account belongs;
and transferring the storage resources in the storage accounts to each pre-branch account according to the first storage resource transfer priority of the storage accounts.
In one embodiment, the determining the first storage resource transfer priority of the storage account based on the financial institution to which each pre-paid account belongs and the financial institution to which the storage account of the current user belongs includes:
determining a similarity between the financial institution to which each pre-paid account belongs and the financial institution to which the current user's stored account belongs;
and inquiring a mapping relation between the similarity and the first storage resource transfer priority according to the similarity to obtain the first storage resource transfer priority of the storage account.
In one embodiment, after determining the first storage resource transfer priority of the storage account based on the financial institution to which each pre-paid account belongs and the financial institution to which the storage account of the current user belongs, further comprising:
acquiring transfer weights of the storage accounts from the blockchain network under the condition that the same first storage resource transfer priorities exist in the first storage resource transfer priorities of the storage accounts; the transfer weight is determined based on a financial resource transfer frequency of the storage account;
determining a second storage resource transfer priority of the storage account based on the order of magnitude of the transfer weights;
the transferring the storage resources in the storage accounts to each pre-branch account according to the first storage resource transfer priority of the storage accounts comprises the following steps:
determining a target storage resource transfer priority of the storage account according to the first storage resource transfer priority and the second storage resource transfer priority;
and transferring the storage resources in the storage accounts to each pre-branch account according to the target storage resource transfer priority of the storage accounts.
In one embodiment, before the obtaining the plurality of pre-support accounts of the current user at the current time from the blockchain network, the method further includes:
acquiring resource parameters of total pre-payment financial resources of the plurality of pre-payment accounts at a first preset moment, and acquiring resource parameters of all storage resources in the storage account of the current user; the first preset time is earlier than the current time;
generating resource transfer early warning information under the condition that the resource parameters of all the storage resources are smaller than the resource parameters of the total pre-supported financial resources;
and sending the resource transfer early warning information to the user terminal of the current user.
In one embodiment, after generating the resource transfer pre-warning information, the method further includes:
acquiring the historical overdue transfer times of the current user from the blockchain network;
under the condition that the historical overdue transfer times is larger than a transfer times threshold value, locking storage resources of a storage account of the current user;
the transferring the storage resources in the storage accounts of the current user to the plurality of pre-support accounts according to the pre-support resource transferring sequence comprises the following steps:
And transferring the locked storage resources in the storage accounts of the current user to the plurality of pre-support accounts according to the pre-support resource transfer sequence.
In a second aspect, the present application further provides a financial resource transfer device for at least one server node in a blockchain network, the device comprising:
the pre-charge account acquisition module is used for acquiring a plurality of pre-charge accounts of the current user at the current time from the blockchain network; the plurality of pre-support accounts are all pre-support accounts with corresponding pre-support resource transfer deadlines belonging to the current time;
the transfer sequence determining module is used for determining the pre-branch resource transfer sequence of the plurality of pre-branch accounts according to the resource parameters of the pre-branch financial resources of the plurality of pre-branch accounts;
the first resource transfer module is used for transferring the storage resources in the storage accounts of the current user to the plurality of pre-support accounts according to the pre-support resource transfer sequence;
the target account determining module is used for identifying a target pre-payment account with failed resource transfer from the plurality of pre-payment accounts under the condition that the resource parameter of the storage resource in the storage account of the current user is smaller than the total resource parameter of the pre-payment financial resources of the plurality of pre-payment accounts;
The second resource transfer module is used for acquiring an authorized account of the current user from the blockchain network, calling storage resources in the authorized account and carrying out resource transfer operation on the target pre-payment account; the authorized account is a storage account of an authorized user of the current user.
In a third aspect, the present application also provides a computer device. The computer device comprises a memory storing a computer program and a processor which when executing the computer program performs the steps of:
acquiring a plurality of pre-charge accounts of a current user at the current time from the blockchain network; the plurality of pre-support accounts are all pre-support accounts with corresponding pre-support resource transfer deadlines belonging to the current time;
determining the pre-branch resource transfer sequence of the plurality of pre-branch accounts according to the resource parameters of the pre-branch financial resources of the plurality of pre-branch accounts;
according to the pre-support resource transfer sequence, transferring the storage resources in the storage accounts of the current user to the plurality of pre-support accounts;
identifying a target pre-charge account with failed resource transfer from the plurality of pre-charge accounts under the condition that the resource parameter of the storage resource in the storage account of the current user is smaller than the total resource parameter of the pre-charge financial resources of the plurality of pre-charge accounts;
Acquiring an authorized account of a current user from the blockchain network, calling storage resources in the authorized account, and performing resource transfer operation on the target pre-payment account; the authorized account is a storage account of an authorized user of the current user.
In a fourth aspect, the present application also provides a computer-readable storage medium. The computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of:
acquiring a plurality of pre-charge accounts of a current user at the current time from the blockchain network; the plurality of pre-support accounts are all pre-support accounts with corresponding pre-support resource transfer deadlines belonging to the current time;
determining the pre-branch resource transfer sequence of the plurality of pre-branch accounts according to the resource parameters of the pre-branch financial resources of the plurality of pre-branch accounts;
according to the pre-support resource transfer sequence, transferring the storage resources in the storage accounts of the current user to the plurality of pre-support accounts;
identifying a target pre-charge account with failed resource transfer from the plurality of pre-charge accounts under the condition that the resource parameter of the storage resource in the storage account of the current user is smaller than the total resource parameter of the pre-charge financial resources of the plurality of pre-charge accounts;
Acquiring an authorized account of a current user from the blockchain network, calling storage resources in the authorized account, and performing resource transfer operation on the target pre-payment account; the authorized account is a storage account of an authorized user of the current user.
In a fifth aspect, the present application also provides a computer program product. The computer program product comprises a computer program which, when executed by a processor, implements the steps of:
acquiring a plurality of pre-charge accounts of a current user at the current time from the blockchain network; the plurality of pre-support accounts are all pre-support accounts with corresponding pre-support resource transfer deadlines belonging to the current time;
determining the pre-branch resource transfer sequence of the plurality of pre-branch accounts according to the resource parameters of the pre-branch financial resources of the plurality of pre-branch accounts;
according to the pre-support resource transfer sequence, transferring the storage resources in the storage accounts of the current user to the plurality of pre-support accounts;
identifying a target pre-charge account with failed resource transfer from the plurality of pre-charge accounts under the condition that the resource parameter of the storage resource in the storage account of the current user is smaller than the total resource parameter of the pre-charge financial resources of the plurality of pre-charge accounts;
Acquiring an authorized account of a current user from the blockchain network, calling storage resources in the authorized account, and performing resource transfer operation on the target pre-payment account; the authorized account is a storage account of an authorized user of the current user.
The financial resource transfer method, the financial resource transfer device, the financial resource transfer computer equipment, the financial resource transfer storage medium and the financial resource transfer computer program product are characterized in that firstly, a plurality of pre-charge accounts of a current user at the current time are obtained from a blockchain network, and the plurality of pre-charge accounts are all corresponding pre-charge accounts with the pre-charge resource transfer deadline belonging to the current time; determining the pre-payment resource transfer sequence of the plurality of pre-payment accounts according to the resource parameters of the pre-payment financial resources of the plurality of pre-payment accounts; under the limitation of intelligent contracts, when the pre-support resource transfer period is reached, the accurate pre-support account and the corresponding resource parameters of the current user can be quickly inquired based on the transparency and traceability of the blockchain, so that the accuracy and timeliness of the resource transfer are ensured; then, according to the pre-charge resource transfer sequence, transferring the storage resources in the storage accounts of the current user to a plurality of pre-charge accounts; meanwhile, under the condition that the resource parameter of the storage resource in the storage account of the current user is smaller than the total resource parameter of the pre-supported financial resources of the plurality of pre-supported accounts, identifying a target pre-supported account with failed resource transfer from the plurality of pre-supported accounts, acquiring an authorized account of the current user from a blockchain network, calling the storage resource in the authorized account, carrying out resource transfer operation on the target pre-supported account, wherein the authorized account is the storage account of the authorized user of the current user; inquiring to determine the corresponding authorized account and the storage account of the authorized user, and adopting intelligent contracts on the blockchain, the resource transfer operation can be automatically triggered under the specified conditions and time, so that human intervention is reduced, and the resource transfer is efficiently completed; in addition, based on the decentralized distributed account book of the blockchain, the user can provide more authorized accounts and storage accounts of the authorized users, and the operation of collecting resources by the user is reduced under the condition of ensuring safety. According to the method, through the intelligent contract of the block chain triggered according to the requirement, a user is automatically helped to complete safe, reliable and efficient resource transfer operation, repeated response operation of the computer equipment can be reduced, and resources of the computer equipment are saved; meanwhile, based on the decentralized and distributed blockchain technology, a plurality of nodes jointly verify and execute the operation of collecting resources, so that the utilization rate of computing resources and the performance of a computer system can be improved, and the accuracy and timeliness of resource transfer are improved.
Drawings
FIG. 1 is a diagram of an application environment for a financial resource transfer method in one embodiment;
FIG. 2 is a flow chart of a method of transferring financial resources according to one embodiment;
FIG. 3 is a flow chart illustrating steps for transferring storage resources in a storage account to a plurality of pre-paid accounts in one embodiment;
FIG. 4 is a block diagram of a financial resource transfer system in one embodiment;
FIG. 5 is a block diagram of a financial resource transfer device in one embodiment;
fig. 6 is an internal structural diagram of a computer device in one embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail with reference to the accompanying drawings and examples. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the present application.
It should be noted that, the user information (including, but not limited to, user equipment information, user personal information, etc.) and the data (including, but not limited to, data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or sufficiently authorized by each party, and the collection, use and processing of the related data are required to comply with the related laws and regulations and standards of the related countries and regions.
The financial resource transfer method provided by the embodiment of the application can be applied to an application environment shown in fig. 1. Referring to fig. 1, a blockchain network 100 includes a plurality of server nodes 101, where each server node 101 may be implemented as a separate server or a server cluster formed by a plurality of servers. Specifically, referring to fig. 1, server node 101 obtains a plurality of pre-paid accounts for a current user at a current time from blockchain network 100; the plurality of pre-support accounts are all pre-support accounts with corresponding pre-support resource transfer deadlines belonging to the current time; determining the pre-charge resource transfer sequence of the plurality of pre-charge accounts according to the resource parameters of the pre-charge financial resources of the plurality of pre-charge accounts; according to the pre-charge resource transfer sequence, transferring the storage resources in the storage accounts of the current user to a plurality of pre-charge accounts; identifying a target pre-payment account with failed resource transfer from the plurality of pre-payment accounts under the condition that the resource parameter of the storage resource in the storage account of the current user is smaller than the total resource parameter of the pre-payment financial resources of the plurality of pre-payment accounts; acquiring an authorized account of a current user from the blockchain network 100, calling storage resources in the authorized account, and performing resource transfer operation on a target pre-payment account; the authorized account is a stored account of the authorized user of the current user.
In one embodiment, as shown in fig. 2, a financial resource transfer method is provided, and the method is applied to the server node 101 in fig. 1 for illustration, and includes the following steps:
step S201, a plurality of pre-charge accounts of the current user at the current time are obtained from the blockchain network.
The pre-paid account may be an account that borrows money from a financial institution, such as a credit card account or a loan account.
The plurality of pre-payment accounts are all pre-payment accounts with corresponding pre-payment resource transfer deadlines belonging to the current time, such as credit card accounts reaching the repayment day.
Illustratively, the server node 101 queries from the blockchain network for a plurality of pre-emptive accounts for the current user to reach the pre-emptive resource transfer deadline at the current time based on the user identification of the current user.
Step S202, determining the pre-charge resource transfer sequence of the plurality of pre-charge accounts according to the resource parameters of the pre-charge financial resources of the plurality of pre-charge accounts.
Illustratively, the server node 101 determines the order of pre-fund transfer for the plurality of pre-fund accounts based on the resource parameters of the pre-funded financial resources for each pre-fund account. For example, the pre-support resource transfer sequence can be determined according to the size of the resource parameter of the pre-support financial resource; specifically, the pre-charge account with the smallest resource parameter of the pre-charge financial resource is used as the pre-charge account with the pre-charge resource transfer completed most preferentially, so that the number of the pre-charge accounts with the user exceeding the pre-charge resource transfer period can be effectively reduced.
Step S203, according to the pre-charge resource transfer sequence, the storage resources in the storage accounts of the current user are transferred to a plurality of pre-charge accounts.
The server node 101 generates a corresponding intelligent contract according to the pre-support resource transfer sequence and registers the intelligent contract in the blockchain network, and transfers the storage resources in the storage accounts of the current user to a plurality of pre-support accounts according to the pre-support resource transfer sequence based on the pre-support resource transfer sequence, so as to complete the resource transfer operation required by the pre-support accounts at the current time.
In step S204, in the case that the resource parameter of the storage resource in the storage account of the current user is smaller than the total resource parameter of the pre-supported financial resources of the plurality of pre-supported accounts, the target pre-supported account with failed resource transfer is identified from the plurality of pre-supported accounts.
For example, if the resource parameter of the storage resource in the storage account of the current user is smaller than the total resource parameter of the pre-supported financial resources of the plurality of pre-supported accounts, that is, if the resource parameter of the storage resource in the storage account of the current user is 0 and the resource transfer operation of all the pre-supported accounts is not completed in the execution process of step S203, the server node 101 needs to screen out the target pre-supported accounts of the plurality of pre-supported accounts for which the resource transfer operation is not completed, so as to complete the resource transfer operation of the target pre-supported accounts in the subsequent steps.
Step S205, obtaining the authorized account of the current user from the blockchain network, calling the storage resources in the authorized account, and carrying out resource transfer operation on the target pre-payment account.
The authorized account is a storage account of an authorized user of the current user.
Illustratively, the user needs to pre-register the authorized user and the corresponding storage account and record in the blockchain network. When step S204 determines that the target pre-charge account of the resource transfer operation is not completed, the server node 101 queries the storage account of the authorized user corresponding to the current user, and invokes the storage resource in the storage account of the authorized user, thereby completing the resource transfer operation on the target pre-charge account.
In the financial resource transfer method, firstly, a plurality of pre-charge accounts of a current user at the current time are acquired from a blockchain network, wherein the plurality of pre-charge accounts are corresponding pre-charge accounts with the pre-charge resource transfer deadline belonging to the current time; determining the pre-payment resource transfer sequence of the plurality of pre-payment accounts according to the resource parameters of the pre-payment financial resources of the plurality of pre-payment accounts; under the limitation of intelligent contracts, when the pre-support resource transfer period is reached, the accurate pre-support account and the corresponding resource parameters of the current user can be quickly inquired based on the transparency and traceability of the blockchain, so that the accuracy and timeliness of the resource transfer are ensured; then, according to the pre-charge resource transfer sequence, transferring the storage resources in the storage accounts of the current user to a plurality of pre-charge accounts; meanwhile, under the condition that the resource parameter of the storage resource in the storage account of the current user is smaller than the total resource parameter of the pre-supported financial resources of the plurality of pre-supported accounts, identifying a target pre-supported account with failed resource transfer from the plurality of pre-supported accounts, acquiring an authorized account of the current user from a blockchain network, calling the storage resource in the authorized account, carrying out resource transfer operation on the target pre-supported account, wherein the authorized account is the storage account of the authorized user of the current user; inquiring to determine the corresponding authorized account and the storage account of the authorized user, and adopting intelligent contracts on the blockchain, the resource transfer operation can be automatically triggered under the specified conditions and time, so that human intervention is reduced, and the resource transfer is efficiently completed; in addition, based on the decentralized distributed account book of the blockchain, the user can provide more authorized accounts and storage accounts of the authorized users, and the operation of collecting resources by the user is reduced under the condition of ensuring safety. According to the method, through the intelligent contract of the block chain triggered according to the requirement, a user is automatically helped to complete safe, reliable and efficient resource transfer operation, repeated response operation of the computer equipment can be reduced, and resources of the computer equipment are saved; meanwhile, based on the decentralized and distributed blockchain technology, a plurality of nodes jointly verify and execute the operation of collecting resources, so that the utilization rate of computing resources and the performance of a computer system can be improved, and the accuracy and timeliness of resource transfer are improved.
In one embodiment, as shown in fig. 3, the step S203 is implemented by transferring the storage resources in the storage account of the current user to a plurality of pre-support accounts according to the pre-support resource transferring sequence, which may further be implemented by the following steps:
step S301, arranging a plurality of pre-support accounts according to the pre-support resource transfer sequence to obtain arranged pre-support accounts;
step S302, for each of the arranged pre-paid accounts, acquiring a financial institution to which each pre-paid account belongs and a financial institution to which a storage account of a current user belongs from a blockchain network;
step S303, determining a first storage resource transfer priority of the storage account based on the financial institution to which each pre-paid account belongs and the financial institution to which the storage account of the current user belongs;
step S304, according to the first storage resource transfer priority of the storage account, the storage resources in the storage account are transferred to each pre-payment account.
Wherein the storage account includes at least one.
The server node firstly sorts the plurality of pre-support accounts according to the pre-support resource transfer sequence, and determines the current pre-support account currently carrying out resource transfer processing according to the sorting result; and then inquiring the storage account associated with the current pre-charge account from the blockchain network based on the account identification of the current pre-charge account, wherein each pre-charge account can be associated with a different storage account, and can be specifically set by a user. If there are multiple storage accounts associated with the current pre-charge account, determining the priority of the storage account to transfer the storage resource to the current pre-charge account. Querying a financial institution to which the current pre-charge account belongs and a financial institution to which the associated storage account corresponds from a blockchain network; then determining a first storage resource transfer priority of the storage account to the current pre-payment account based on the financial institution of the current pre-payment account and the financial institution of the storage account; and finally, based on the first storage resource transfer priority, transferring the storage resources in the storage account to the current pre-payment account. After the transfer of the resources to the current pre-support account is completed, determining a new current pre-support account according to the pre-support resource transfer sequence, and determining the corresponding first storage resource transfer priority to complete the transfer of the resources.
In this embodiment, when there are multiple associated storage accounts set by the user, the first storage resource transfer priority of the associated storage accounts is determined, so that the storage resources in the storage accounts can be transferred to the pre-payment accounts according to a certain sequence, so that the resource transfer is more reasonable and efficient.
In one embodiment, the step S303 determines the first storage resource transfer priority of the storage account based on the financial institution to which each pre-paid account belongs and the financial institution to which the storage account of the current user belongs, and further includes: determining a similarity between the financial institution to which each pre-charge account belongs and the financial institution to which the stored account of the current user belongs; and according to the similarity, inquiring the mapping relation between the similarity and the first storage resource transfer priority to obtain the first storage resource transfer priority of the storage account.
Illustratively, the server node determines the first storage resource transfer priority based on a similarity between the affiliated financial institution of the current pre-paid account and the affiliated financial institution of the storage account. For example, in the case where the pre-charge account is a credit card account, then the similarity between the financial institution to which the pre-charge account belongs and the financial institution to which the storage account belongs at present is the similarity between the bank to which the credit card account belongs and the bank to which the savings account belongs; specific criteria for similarity may include bank identification, bank grade (e.g., national or civil), and bank home country, etc. The mapping relationship between the similarity and the first storage resource transfer priority may be: the storage accounts with higher similarity and the corresponding first storage resource transfer priorities are higher; the storage accounts with lower similarity have lower corresponding first storage resource transfer priorities.
In this embodiment, the first storage resource transfer priority is determined by the similarity between the financial institutions, so that the called storage accounts can be reduced, the number of storage resource transfer operations is reduced, and the information security is improved.
In one embodiment, after determining the first storage resource transfer priority of the storage account based on the affiliated financial institution of each pre-paid account and the affiliated financial institution of the storage account of the current user in step S303, the method further includes: acquiring transfer weights of the storage accounts from the blockchain network under the condition that the same first storage resource transfer priorities exist in the first storage resource transfer priorities of the storage accounts; the transfer weight is determined based on the financial resource transfer frequency of the stored account; and determining a second storage resource transfer priority of the storage account based on the order of magnitudes of the transfer weights.
For example, when the first storage resource transfer priorities between storage accounts are the same, the server node needs to further determine the second storage resource transfer priority of the storage account. The transfer weights of the storage accounts are employed to determine a second storage resource transfer priority. The transfer weight is determined based on the financial resource transfer frequency of the stored account, and may be: when the resource transfer occurs to the storage account every time, the corresponding account book information is recorded in the blockchain network, and the transfer weight of one unit is accumulated to the storage account. And the second storage resource transfer priority corresponding to the storage account with larger transfer weight is higher.
In this embodiment, the transfer weight is determined according to the resource transfer frequency, so that the second storage resource transfer priority is determined, and the storage resources of the storage accounts which are used more frequently by the user can be preferentially transferred, so that the number of the storage accounts for transferring the resources is more likely to be reduced, and the information security is improved.
In one embodiment, the step S304 transfers the storage resources in the storage account to each pre-payment account according to the first storage resource transfer priority of the storage account, and further includes: determining a target storage resource transfer priority of the storage account according to the first storage resource transfer priority and the second storage resource transfer priority; and transferring the storage resources in the storage accounts to each pre-payment account according to the target storage resource transfer priority of the storage accounts.
The server node may determine the target storage resource transfer priority based on a preset priority weight corresponding to the first storage transfer priority and the second storage transfer priority after determining the first storage resource transfer priority and the second storage resource transfer priority of the storage account, and finally transfer the storage resource in the storage account to the pre-payment account based on the target storage resource transfer priority. The method comprises the steps of determining an initial arrangement sequence of the storage accounts based on a first storage resource transfer priority, updating the initial arrangement sequence based on a second storage resource transfer priority to obtain a target arrangement sequence, and transferring the storage resources in the storage accounts to the pre-payment accounts based on the target arrangement sequence.
In this embodiment, multiple situations of the storage account are considered, and the target storage resource transfer priority is determined, so that the resource transfer operation can be efficiently completed.
It should be noted that, in step S205, the current user' S authorized account is obtained from the blockchain network, the storage resource in the authorized account is called, and the resource transfer operation is performed on the target pre-support account, or the storage resource transfer priority of the authorized account may be determined by using the method described in the above embodiment, and then the resource transfer operation is performed on the pre-support account based on the storage resource transfer priority of the authorized account.
In one embodiment, before the step S201 obtains the plurality of pre-payment accounts of the current user at the current time from the blockchain network, the method further includes: acquiring resource parameters of total pre-payment financial resources of a plurality of pre-payment accounts at a first preset moment, and acquiring resource parameters of all storage resources in a storage account of a current user; the first preset time is earlier than the current time; generating resource transfer early warning information under the condition that the resource parameters of all storage resources are smaller than the resource parameters of the total pre-supported financial resources; and sending the resource transfer early warning information to a user terminal of the current user.
The server node obtains resource parameters of total pre-charge financial resources of a plurality of pre-charge accounts of the current user and resource parameters of all storage resources in a storage account of the current user associated with the pre-charge account at a first preset moment before the plurality of pre-charge accounts of the current user reach a pre-charge resource transfer period; under the condition that the resource parameters of all the storage resources are smaller than those of the total pre-paid financial resources, namely, the current user can not finish the resource transfer operation of all the pre-paid accounts when the pre-paid resource transfer period is reached, generating resource transfer early warning information, and sending the resource transfer early warning information to a user terminal of the current user so as to remind the current user of keeping track of the resource transfer of the pre-paid accounts; the specific first preset time is not limited. For example, monthly No. 3 is a payment date (i.e., a pre-charge resource transfer period) of the credit card account (i.e., the pre-charge account), the total amount of arrears of the credit card and the total amount of balances of the user deposit card (i.e., the storage account) can be checked at monthly No. 1, and if the total amount of balances is smaller than the total amount of arrears, early warning information is sent to remind the user.
In this embodiment, by checking the relationship between the resource parameters of the total pre-supported financial resources of the current user and the resource parameters of all the storage resources, early warning information is sent to the user in advance under the condition that the possible occurrence of resource transfer failure is identified, so that the situation that the resource transfer failure is possibly caused by forgetting the user is reduced, and the user experience is improved.
In one embodiment, after generating the resource transfer pre-warning information, the method further includes: acquiring the historical overdue transfer times of a current user from a block chain network; and locking the storage resources of the storage account of the current user under the condition that the historical overdue transfer times are larger than the transfer times threshold value.
Step S203 transfers the storage resources in the storage account of the current user to a plurality of pre-support accounts according to the pre-support resource transfer sequence, and further includes: and transferring the locked storage resources in the storage accounts of the current user to a plurality of pre-support accounts according to the pre-support resource transfer sequence.
The server node obtains the historical overdue transfer times of the current user from the blockchain network after generating the resource transfer early warning information, and locks the storage resources in the storage account of the current user if the historical overdue transfer times of the current user are greater than a preset transfer times threshold value, so that the user cannot actively transfer the storage resources in the storage account. When the pre-support resource transfer period of the pre-support account is reached, the locked storage resource is preferentially transferred to the pre-support account. In addition, in the actual scene, the historical overdue transition times can be replaced by credit information of the user.
In this embodiment, the storage resources of the user with excessive historical overdue times are locked in advance, so that when the pre-payment resource transfer is overdue, the locked storage resources are called to transfer the resources, which not only can effectively reduce the pre-payment account with failed user resource transfer, but also can reduce the overdue times of the user and the risk of the financial institution.
In one embodiment, before the step S201 obtains the plurality of pre-payment accounts of the current user at the current time from the blockchain network, the method further includes: acquiring the historical overdue transfer times of the current user from the blockchain network at a second preset moment; the first preset time is earlier than the current time; under the condition that the historical overdue transfer times are larger than a transfer times threshold value, locking storage resources of a storage account of the current user; the resource parameters of the locked storage resource do not exceed the resource parameters of the total pre-paid financial resources of the pre-paid account.
Step S203 transfers the storage resources in the storage account of the current user to a plurality of pre-support accounts according to the pre-support resource transfer sequence, and further includes: and transferring the locked storage resources in the storage accounts of the current user to a plurality of pre-support accounts according to the pre-support resource transfer sequence.
The server node may also lock the current user's storage resources directly based on the current use's historical overdue transfer times (or credit information) without checking the relationship between the resource parameters of the current user's total pre-paid financial resources and the resource parameters of all storage resources, for example.
In this embodiment, the storage resources of the user with excessive historical overdue times are locked in advance, so that when the pre-charge resource transfer period is over, the locked storage resources are called to transfer the resources, and the resource transfer of the pre-charge account can be completed maximally.
In another embodiment, a financial resource transfer method is provided, the method comprising:
step one, acquiring a plurality of pre-charge accounts of a current user at the current time from a blockchain network; the plurality of pre-payment accounts are all pre-payment accounts with corresponding pre-payment resource transfer deadlines belonging to the current time.
And step two, determining the pre-charge resource transfer sequence of the plurality of pre-charge accounts according to the resource parameters of the pre-charge financial resources of the plurality of pre-charge accounts.
And thirdly, arranging a plurality of pre-support accounts according to the pre-support resource transfer sequence to obtain arranged pre-support accounts.
Step four, aiming at each of the arranged pre-payment accounts, acquiring a financial institution to which each pre-payment account belongs and a financial institution to which a storage account of a current user belongs from a blockchain network; the storage account includes at least one.
And fifthly, determining the similarity between the financial institution to which each pre-paid account belongs and the financial institution to which the stored account of the current user belongs.
And step six, inquiring the mapping relation between the similarity and the first storage resource transfer priority according to the similarity to obtain the first storage resource transfer priority of the storage account.
Step seven, under the condition that the same first storage resource transfer priority exists in the first storage resource transfer priorities of the storage accounts, obtaining the transfer weight of the storage accounts from the blockchain network; the transfer weight is determined based on a financial resource transfer frequency of the stored account.
And step eight, determining a second storage resource transfer priority of the storage account based on the order of the transfer weights.
And step nine, determining the target storage resource transfer priority of the storage account according to the first storage resource transfer priority and the second storage resource transfer priority.
And step ten, according to the target storage resource transfer priority of the storage account, transferring the storage resources in the storage account to each pre-payment account.
Before the first step, the method further comprises:
step (1), acquiring resource parameters of total pre-payment financial resources of a plurality of pre-payment accounts at a first preset moment, and acquiring resource parameters of all storage resources in a storage account of a current user; the first preset time is earlier than the current time;
step (2), generating resource transfer early warning information under the condition that the resource parameters of all storage resources are smaller than the resource parameters of the total pre-supported financial resources; and sending the resource transfer early warning information to a user terminal of the current user.
And (3) acquiring the historical overdue transfer times of the current user from the blockchain network.
Step (4), under the condition that the historical overdue transfer times are larger than a transfer times threshold, locking the storage resources of the storage account of the current user; and when the step ten is executed, preferentially transferring the locked storage resources in the storage account of the current user to a plurality of pre-support accounts, and then transferring the storage resources in the storage account to each pre-support account according to the target storage resource transfer priority of the storage account.
In the embodiment, through the intelligent contract of the block chain triggered according to the requirement, a user is automatically helped to complete safe, reliable and efficient resource transfer operation, repeated response operation of the computer equipment can be reduced, and resources of the computer equipment are saved; meanwhile, based on the decentralized and distributed blockchain technology, a plurality of nodes jointly verify and execute the operation of collecting resources, so that the utilization rate of computing resources and the performance of a computer system can be improved, and the accuracy and timeliness of resource transfer are improved.
Based on the same inventive concept, the embodiment of the application also provides a financial resource transfer system for realizing the above related financial resource transfer method. The repayment scenario of the system applied to the credit card account or the loan account in the banking system is taken as an example for explanation.
In one embodiment, as shown in FIG. 4, there is provided a financial resource transfer system comprising: a repayment deduction unit 401, a loan information recording unit 402, and a repayment authorization setting unit 403. Wherein:
the loan information recording unit 402 records information of the credit card account and the loan account of the user, including a repayment day, a repayment amount, and the like;
The payment authorization setting unit 403 records the authorized account information of the user for payment when the user pays, including the user's own account and the authorized user's account; and transmitting information of the authorized account of the user to the blockchain network, carrying out identity authentication and on-chain consensus, and obtaining the accounting right (namely transferring weight) and carrying out accounting every time the funds of the authorized account change.
When the payment deduction unit 401 detects that the credit card account or the loan account of the current user reaches the payment date, it inquires the corresponding authorized account from the payment authorization setting unit 403, determines the order of deduction of the authorized accounts, and initiates the deduction to complete the payment information recorded in the loan information recording unit 402.
It should be noted that, the blockchain network in this embodiment may be a alliance chain network of banking industry, where banking institutions are not limited.
In the embodiment, based on the blockchain with a plurality of banks as server nodes, the fund collection and repayment operation is automatically completed according to the loan information and the funds of the stored account, so that the operation cost of the client for transferring accounts across rows and the fund collection is saved, the bad credit investigation caused by forgetting repayment of the user is avoided, and the user experience is effectively improved.
It should be understood that, although the steps in the flowcharts related to the embodiments described above are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in the flowcharts described in the above embodiments may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of the steps or stages is not necessarily performed sequentially, but may be performed alternately or alternately with at least some of the other steps or stages.
Based on the same inventive concept, the embodiment of the application also provides a financial resource transfer device for realizing the above related financial resource transfer method. The implementation of the solution provided by the device is similar to the implementation described in the above method, so the specific limitation of one or more embodiments of the financial resource transfer device provided below may refer to the limitation of the financial resource transfer method hereinabove, and will not be repeated here.
In one embodiment, as shown in fig. 5, there is provided a financial resource transfer device comprising: a pre-branch account acquisition module 501, a transfer order determination module 502, a first resource transfer module 503, a target account determination module 504, and a second resource transfer module 505, wherein:
a pre-charge account obtaining module 501, configured to obtain a plurality of pre-charge accounts of a current user at a current time from a blockchain network; the plurality of pre-payment accounts are all pre-payment accounts with corresponding pre-payment resource transfer deadlines belonging to the current time.
The transfer sequence determining module 502 is configured to determine a pre-payment resource transfer sequence of the plurality of pre-payment accounts according to resource parameters of pre-payment financial resources of the plurality of pre-payment accounts.
The first resource transferring module 503 is configured to transfer the storage resources in the storage account of the current user to a plurality of pre-support accounts according to the pre-support resource transferring order.
The target account determining module 504 is configured to identify a target pre-payment account with failed resource transfer from the plurality of pre-payment accounts if a resource parameter of a storage resource in a storage account of the current user is less than a total resource parameter of pre-payment financial resources of the plurality of pre-payment accounts.
The second resource transfer module 505 is configured to obtain an authorized account of the current user from the blockchain network, call a storage resource in the authorized account, and perform a resource transfer operation on the target pre-payment account; the authorized account is a stored account of the authorized user of the current user.
In one embodiment, the storage account includes at least one; the first resource transfer module 503 is further configured to arrange a plurality of pre-support accounts according to a pre-support resource transfer sequence, so as to obtain an arranged pre-support account; for each of the arranged pre-paid accounts, acquiring a financial institution to which each pre-paid account belongs and a financial institution to which a storage account of a current user belongs from a blockchain network; determining a first storage resource transfer priority of the storage account based on the affiliated financial institution of each pre-paid account and the affiliated financial institution of the storage account of the current user; and transferring the storage resources in the storage accounts to each pre-count account according to the first storage resource transfer priority of the storage accounts.
In one embodiment, the first resource transfer module 503 is further configured to determine a similarity between the financial institution to which each pre-paid account belongs and the financial institution to which the stored account of the current user belongs; and according to the similarity, inquiring the mapping relation between the similarity and the first storage resource transfer priority to obtain the first storage resource transfer priority of the storage account.
In one embodiment, the first resource transfer module 503 is further configured to obtain a transfer weight of the storage account from the blockchain network in a case where the same first storage resource transfer priority exists in the first storage resource transfer priorities of the storage accounts; the transfer weight is determined based on the financial resource transfer frequency of the stored account; determining a second storage resource transfer priority of the storage account based on the order of magnitude of the transfer weights; determining a target storage resource transfer priority of the storage account according to the first storage resource transfer priority and the second storage resource transfer priority; and transferring the storage resources in the storage accounts to each pre-payment account according to the target storage resource transfer priority of the storage accounts.
In one embodiment, the financial resource transfer device provided by the application further includes a preprocessing module, configured to obtain resource parameters of total pre-payment financial resources of the plurality of pre-payment accounts at a first preset time, and obtain resource parameters of all storage resources in the storage account of the current user; the first preset time is earlier than the current time; generating resource transfer early warning information under the condition that the resource parameters of all storage resources are smaller than the resource parameters of the total pre-supported financial resources; and sending the resource transfer early warning information to a user terminal of the current user.
In one embodiment, the preprocessing module is further configured to obtain a historical overdue transfer number of the current user from the blockchain network; and locking the storage resources of the storage account of the current user under the condition that the historical overdue transfer times are larger than the transfer times threshold value.
The first resource transferring module 503 is further configured to transfer the locked storage resources in the storage account of the current user to a plurality of pre-propped accounts according to the pre-propped resource transferring order.
The various modules in the financial resource transfer device described above may be implemented in whole or in part by software, hardware, and combinations thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.
In one embodiment, a computer device is provided, which may be a server, the internal structure of which may be as shown in fig. 6. The computer device includes a processor, a memory, an Input/Output interface (I/O) and a communication interface. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface is connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is used for storing data such as pre-charge accounts, storage accounts and the like. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication 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 financial resource transfer method.
It will be appreciated by those skilled in the art that the structure shown in fig. 6 is merely a block diagram of some of the structures associated with the present application and is not limiting of the computer device to which the present application may be applied, and that a particular computer device may include more or fewer components than shown, or may combine certain components, or have a different arrangement of components.
In an embodiment, there is also 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 method embodiments described above when the computer program is executed.
In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored which, when executed by a processor, carries out the steps of the method embodiments described above.
In an embodiment, a computer program product is provided, comprising a computer program which, when executed by a processor, implements the steps of the method embodiments described above.
Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, database, or other medium used in the various embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high density embedded nonvolatile Memory, resistive random access Memory (ReRAM), magnetic random access Memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric Memory (Ferroelectric Random Access Memory, FRAM), phase change Memory (Phase Change Memory, PCM), graphene Memory, and the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, and the like. By way of illustration, and not limitation, RAM can be in the form of a variety of forms, such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), and the like. The databases referred to in the various embodiments provided herein may include at least one of relational databases and non-relational databases. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic units, quantum computing-based data processing logic units, etc., without being limited thereto.
The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.
The above examples only represent a few embodiments of the present application, which are described in more detail and are not to be construed as limiting the scope of the present application. It should be noted that it would be apparent to those skilled in the art that various modifications and improvements could be made without departing from the spirit of the present application, which would be within the scope of the present application. Accordingly, the scope of protection of the present application shall be subject to the appended claims.
Claims (10)
1. A method of financial resource transfer, for at least one server node in a blockchain network, the method comprising:
acquiring a plurality of pre-charge accounts of a current user at the current time from the blockchain network; the plurality of pre-support accounts are all pre-support accounts with corresponding pre-support resource transfer deadlines belonging to the current time;
Determining the pre-branch resource transfer sequence of the plurality of pre-branch accounts according to the resource parameters of the pre-branch financial resources of the plurality of pre-branch accounts;
according to the pre-support resource transfer sequence, transferring the storage resources in the storage accounts of the current user to the plurality of pre-support accounts;
identifying a target pre-charge account with failed resource transfer from the plurality of pre-charge accounts under the condition that the resource parameter of the storage resource in the storage account of the current user is smaller than the total resource parameter of the pre-charge financial resources of the plurality of pre-charge accounts;
acquiring an authorized account of a current user from the blockchain network, calling storage resources in the authorized account, and performing resource transfer operation on the target pre-payment account; the authorized account is a storage account of an authorized user of the current user.
2. The method of claim 1, wherein the storage account comprises at least one;
the transferring the storage resources in the storage accounts of the current user to the plurality of pre-support accounts according to the pre-support resource transferring sequence comprises the following steps:
arranging the plurality of pre-support accounts according to the pre-support resource transfer sequence to obtain arranged pre-support accounts;
For each of the arranged pre-paid accounts, acquiring a financial institution to which the each pre-paid account belongs and a financial institution to which a storage account of the current user belongs from the blockchain network;
determining a first storage resource transfer priority of a storage account of the current user based on the financial institution to which each pre-paid account belongs and the financial institution to which the storage account belongs;
and transferring the storage resources in the storage accounts to each pre-branch account according to the first storage resource transfer priority of the storage accounts.
3. The method of claim 2, wherein the determining a first storage resource transfer priority of the storage account based on the financial institution to which each pre-charge account belongs and the financial institution to which the storage account of the current user belongs comprises:
determining a similarity between the financial institution to which each pre-paid account belongs and the financial institution to which the current user's stored account belongs;
and inquiring a mapping relation between the similarity and the first storage resource transfer priority according to the similarity to obtain the first storage resource transfer priority of the storage account.
4. The method of claim 2, further comprising, after determining the first storage resource transfer priority of the storage account based on the financial institution to which each pre-paid account belongs and the financial institution to which the current user's storage account belongs:
acquiring transfer weights of the storage accounts from the blockchain network under the condition that the same first storage resource transfer priorities exist in the first storage resource transfer priorities of the storage accounts; the transfer weight is determined based on a financial resource transfer frequency of the storage account;
determining a second storage resource transfer priority of the storage account based on the order of magnitude of the transfer weights;
the transferring the storage resources in the storage accounts to each pre-branch account according to the first storage resource transfer priority of the storage accounts comprises the following steps:
determining a target storage resource transfer priority of the storage account according to the first storage resource transfer priority and the second storage resource transfer priority;
and transferring the storage resources in the storage accounts to each pre-branch account according to the target storage resource transfer priority of the storage accounts.
5. The method of claim 1, further comprising, prior to said obtaining from the blockchain network a plurality of pre-paid accounts for a current user at a current time:
acquiring resource parameters of total pre-payment financial resources of the plurality of pre-payment accounts at a first preset moment, and acquiring resource parameters of all storage resources in the storage account of the current user; the first preset time is earlier than the current time;
generating resource transfer early warning information under the condition that the resource parameters of all the storage resources are smaller than the resource parameters of the total pre-supported financial resources;
and sending the resource transfer early warning information to the user terminal of the current user.
6. The method of claim 5, further comprising, after generating the resource transfer pre-warning information:
acquiring the historical overdue transfer times of the current user from the blockchain network;
under the condition that the historical overdue transfer times is larger than a transfer times threshold value, locking storage resources of a storage account of the current user;
the transferring the storage resources in the storage accounts of the current user to the plurality of pre-support accounts according to the pre-support resource transferring sequence comprises the following steps:
And transferring the locked storage resources in the storage accounts of the current user to the plurality of pre-support accounts according to the pre-support resource transfer sequence.
7. A financial resource transfer apparatus for use with at least one server node in a blockchain network, the apparatus comprising:
the pre-charge account acquisition module is used for acquiring a plurality of pre-charge accounts of the current user at the current time from the blockchain network; the plurality of pre-support accounts are all pre-support accounts with corresponding pre-support resource transfer deadlines belonging to the current time;
the transfer sequence determining module is used for determining the pre-branch resource transfer sequence of the plurality of pre-branch accounts according to the resource parameters of the pre-branch financial resources of the plurality of pre-branch accounts;
the first resource transfer module is used for transferring the storage resources in the storage accounts of the current user to the plurality of pre-support accounts according to the pre-support resource transfer sequence;
the target account determining module is used for identifying a target pre-payment account with failed resource transfer from the plurality of pre-payment accounts under the condition that the resource parameter of the storage resource in the storage account of the current user is smaller than the total resource parameter of the pre-payment financial resources of the plurality of pre-payment accounts;
The second resource transfer module is used for acquiring an authorized account of the current user from the blockchain network, calling storage resources in the authorized account and carrying out resource transfer operation on the target pre-payment account; the authorized account is a storage account of an authorized user of the current user.
8. 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 of claims 1 to 6 when the computer program is executed.
9. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.
10. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.
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