Method, apparatus, device and storage medium for resource transfer

Abstract

The present application discloses a method, apparatus, device and storage medium for resource transfer, belonging to the field of Internet technology. The method includes: obtaining a resource transfer quantity based on a resource transfer request of a first resource account of a target object; determining the quantity of a first resource to be locked in a second resource account of the target object according to the resource transfer quantity; in response to the quantity of the first resource to be locked not exceeding a reference quantity, locking the first resource to be locked; in response to successful locking, transferring a second resource in a resource account of a third party to the first resource account of the target object; in response to the resource transfer result being successful resource transfer, unlocking the locked first resource and transferring the unlocked first resource to the resource account of the third party. During the entire resource transfer process, even if the resource transfer period is long, no additional resource loss will be caused, ensuring the integrity of the resources of the target object, improving the effect of resource transfer, and enhancing the user experience.

Description

Technical Field

[0001] Embodiments of the present application relate to the field of Internet technologies, and in particular, to a method, apparatus, device, and storage medium for resource transfer. Background Art

[0002] With the development of society and continuous progress of technology, there are more and more ways of resource transfer. Resources between different accounts can be transferred to each other. For example, taking resources as funds, the funds in a savings card account can be transferred to a credit card account for credit card repayment and the like.

[0003] In related technologies, during the process of a third party transferring resources to a user's first resource account, first transfer the resources in the user's second resource account to the third party's resource account, and then transfer the resources in the third party's resource account to the user's first resource account. For example, during the process of a third-party merchant helping a user repay a credit card, first redeem the user's fund, transfer the redeemed funds to the third-party merchant's account, and then transfer the funds in the third-party merchant's account to the user's credit card account.

[0004] In the process of implementing the present application, the inventors found that related technologies have at least the following problems:

[0005] In related technologies, first transfer the resources in the user's second resource account to the third party's resource account, and then transfer the resources in the third party's resource account to the user's first resource account. When the resource transfer period is long, transferring the resources in the user's second resource account to the third party's resource account in advance may cause losses of some additional resources. Summary of the Invention

[0006] Embodiments of the present application provide a method, apparatus, device, and storage medium for resource transfer, which can be used to solve the problems in related technologies. The technical solutions are as follows:

[0007] On the one hand, an embodiment of the present application provides a method for resource transfer, and the method includes:

[0008] Based on a resource transfer request of a first resource account of a target object, obtain a resource transfer quantity;

[0009] Determine the quantity of a first resource to be locked in a second resource account of the target object according to the resource transfer quantity;

[0010] In response to the quantity of the to-be-locked first resource not exceeding a reference quantity, lock the to-be-locked first resource, and the locked first resource can generate additional additional resources but cannot be transferred;

[0011] In response to the successful locking, transfer the second resource in the resource account of the third party to the first resource account of the target object, and the quantity of the second resource corresponds to the quantity of the first resource;

[0012] In response to the resource transfer result being successful, unlock the locked first resource and transfer the unlocked first resource to the resource account of the third party.

[0013] Optionally, after transferring the second resource in the resource account of the third party to the first resource account of the target object, it further includes:

[0014] In response to the resource transfer result being a failure, when the number of resource transfer failures exceeds the threshold range, unlock the locked first resource.

[0015] Optionally, after transferring the second resource in the resource account of the third party to the first resource account of the target object, it further includes:

[0016] In response to the resource transfer result being a failure, when the number of resource transfer failures does not exceed the threshold, continue to execute the transfer of the second resource in the resource account of the third party to the first resource account of the target object until the resource transfer result is successful or the number of resource transfer failures exceeds the threshold.

[0017] Optionally, unlocking the locked first resource includes:

[0018] Restore the status of the locked first resource to a state where it can generate additional additional resources and can be transferred.

[0019] Optionally, transferring the second resource in the resource account of the third party to the first resource account of the target object includes:

[0020] Transfer the second resource in the resource account of the third party to a transfer platform, and the transfer platform is used to transfer the second resource in the resource account of the third party to the first resource account of the target object.

[0021] Optionally, before obtaining the resource transfer quantity based on the resource transfer request of the first resource account of the target object, it further includes:

[0022] Based on the resource transfer request of the resource account of the target object, perform identity verification, and the resource transfer request includes identity verification information;

[0023] In response to the successful identity verification, display the list of the resource accounts of the target object;

[0024] In response to the first resource account of the target object being in the list of the target object's resource accounts, based on the selection instruction of the first resource account of the target object, obtain the resource transfer request of the first resource account of the target object.

[0025] Optionally, before obtaining the resource transfer quantity based on the resource transfer request of the first resource account of the target object, it further includes:

[0026] Perform identity verification based on the resource transfer request of the target object's resource account, where the resource transfer request includes identity verification information;

[0027] In response to the successful identity verification, display the list of the target object's resource accounts;

[0028] In response to the first resource account of the target object not being in the list of the target object's resource accounts, display the resource account binding interface. In the resource account binding interface, obtain the information of the first resource account of the target object, and based on the information of the first resource account of the target object, obtain the resource transfer request of the first resource account of the target object.

[0029] Optionally, obtaining the resource transfer quantity based on the resource transfer request of the first resource account of the target object includes:

[0030] Based on the resource transfer request of the first resource account of the target object, display the resource transfer quantity input interface;

[0031] In the resource transfer quantity input interface, obtain the input resource transfer quantity.

[0032] On the other hand, a resource transfer device is provided, and the device includes:

[0033] An acquisition module, configured to obtain the resource transfer quantity based on the resource transfer request of the first resource account of the target object;

[0034] A determination module, configured to determine the quantity of the first resource to be locked in the second resource account of the target object according to the resource transfer quantity;

[0035] A locking module, configured to lock the to-be-locked first resource in response to the quantity of the to-be-locked first resource not exceeding the reference quantity, and the locked first resource can generate additional additional resources but cannot be transferred;

[0036] A first transfer module, configured to transfer the second resource in the resource account of a third party to the first resource account of the target object in response to successful locking, and the quantity of the second resource corresponds to the quantity of the first resource;

[0037] An unlocking module, configured to unlock the locked first resource in response to the resource transfer result being successful;

[0038] A second transfer module, configured to transfer the unlocked first resource to the resource account of the third party.

[0039] Optionally, the unlocking module is further configured to unlock the locked first resource when the number of resource transfer failures exceeds a threshold range in response to the resource transfer result being a resource transfer failure.

[0040] Optionally, the first transfer module is further configured to continue to execute the transfer of the second resource in the resource account of the third party to the first resource account of the target object when the number of resource transfer failures does not exceed the threshold in response to the resource transfer result being a resource transfer failure, until the resource transfer result is a resource transfer success or the number of resource transfer failures exceeds the threshold.

[0041] Optionally, the unlocking module is configured to restore the status of the locked first resource to a status that can generate additional additional resources and can be transferred.

[0042] Optionally, the first transfer module is configured to transfer the second resource in the resource account of the third party to a transit platform, and the transit platform is configured to transfer the second resource in the resource account of the third party to the first resource account of the target object.

[0043] Optionally, the apparatus further includes:

[0044] An authentication module, configured to perform identity authentication based on a resource transfer request of the resource account of the target object, where the resource transfer request includes identity authentication information;

[0045] A first display module, configured to display a list of resource accounts of the target object in response to the identity authentication passing;

[0046] The obtaining module is configured to obtain a resource transfer request of the first resource account of the target object based on a selection instruction of the first resource account of the target object in response to the first resource account of the target object being in the list of resource accounts of the target object.

[0047] Optionally, the obtaining module is configured to display a resource account binding interface in response to the first resource account of the target object not being in the list of resource accounts of the target object, obtain information about the first resource account of the target object in the resource account binding interface, and obtain a resource transfer request of the first resource account of the target object based on the information about the first resource account of the target object.

[0048] Optionally, the apparatus further includes:

[0049] A second display module, configured to display a resource transfer quantity input interface based on a resource transfer request of a first resource account of a target object;

[0050] The obtaining module is configured to obtain an input resource transfer quantity on the resource transfer quantity input interface.

[0051] On the other hand, a computer device is provided, which includes a processor and a memory. At least one instruction is stored in the memory, and when the at least one instruction is executed by the processor, the method for resource transfer described in any one of the above is implemented.

[0052] On the other hand, a computer-readable storage medium is further provided. At least one instruction is stored in the computer-readable storage medium, and when the at least one instruction is executed, the method for resource transfer described in any one of the above is implemented.

[0053] The technical solution provided by the embodiments of the present application at least brings the following beneficial effects:

[0054] First, lock the first resource in the second resource account of the target object. During the locked period, the first resource can continue to generate additional additional resources. After the second resource in the resource account of a third party is successfully transferred to the first resource account of the target object, then unlock the first resource in the second resource account of the target object and transfer it to the resource account of the third party. During the entire resource transfer process, even if the resource transfer period is long, it will not cause loss of additional resources, ensure the integrity of the target object's resources, improve the effect of resource transfer, and enhance the user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0055] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the following will briefly introduce the drawings required for the description of the embodiments. Obviously, the following drawings are only some embodiments of the present application. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative efforts.

[0056] Figure 1 is a schematic diagram of an implementation environment provided by an embodiment of the present application;

[0057] Figure 2 is a flowchart of a method for resource transfer provided by an embodiment of the present application;

[0058] Figure 3 is a schematic diagram of an interface for obtaining a resource transfer request of a first resource account of a target object provided by an embodiment of the present application;

[0059] Figure 4It is a schematic diagram of an interface for obtaining a resource transfer request for a first resource account of a target object provided by an embodiment of the present application;

[0060] Figure 5 It is a schematic diagram of an interface for obtaining a resource transfer quantity provided by an embodiment of the present application;

[0061] Figure 6 It is a schematic diagram of a process of resource transfer provided by an embodiment of the present application;

[0062] Figure 7 It is a schematic diagram of a process of resource transfer provided by an embodiment of the present application;

[0063] Figure 8 It is a schematic diagram of a device for resource transfer provided by an embodiment of the present application;

[0064] Figure 9 It is a schematic diagram of a device for resource transfer provided by an embodiment of the present application;

[0065] Figure 10 It is a schematic diagram of a device for resource transfer provided by an embodiment of the present application;

[0066] Figure 11 It is a schematic diagram of a device structure for resource transfer provided by an embodiment of the present application. Detailed implementation manners

[0067] To make the objectives, technical solutions, and advantages of the present application clearer, the following will further describe the embodiments of the present application in detail with reference to the accompanying drawings.

[0068] With the development of society and the continuous progress of technology, there are more and more ways of resource transfer. Resources between different accounts can be transferred to each other.

[0069] In this regard, an embodiment of the present application provides a method for resource transfer. Please refer to Figure 1 , which shows a schematic diagram of the method implementation environment provided by an embodiment of the present application. The implementation environment may include: a terminal 11 and a server 12.

[0070] Among them, the terminal 11 is installed with an application program or a web page capable of transferring resources. Thus, when the application program or the web page transfers resources between the resource account of the target object and the resource account of a third party, the method provided by an embodiment of the present application can be applied for the transfer. The terminal 11 can obtain the identity verification information of the target object, the resource account information of the target object, and the resource account information of the third party, and then send the obtained information to the server 12 for storage. Of course, the identity verification information of the target object, the resource account information of the target object, and the resource account information of the third party can also be stored on the terminal 11.

[0071] Optionally, the terminal 11 can be any kind of electronic product that can perform human-computer interaction with the user through one or more means such as a keyboard, a touchpad, a touch screen, a remote control, voice interaction, or a handwriting device. For example, a PC (Personal Computer), a mobile phone, a smart phone, a PDA (Personal Digital Assistant), a wearable device, a Pocket PC, a tablet computer, a smart in-vehicle unit, a smart TV, a smart speaker, etc. The server 12 can be a single server, a server cluster composed of multiple servers, or a cloud computing service center. The terminal 11 and the server 12 establish a communication connection through a wired or wireless network.

[0072] Those skilled in the art should understand that the above-mentioned terminal 11 and server 12 are only examples. Other existing or future terminal or server that can be applied to this application should also be included within the protection scope of this application and are hereby incorporated by reference.

[0073] Based on the above Figure 1 shown implementation environment, an embodiment of this application provides a method for resource transfer. Taking the resource transfer application of the terminal as an example. As Figure 2 shown, the method provided by the embodiment of this application may include the following steps:

[0074] In step 201, based on the resource transfer request of the first resource account of the target object, obtain the resource transfer quantity.

[0075] A resource transfer application refers to an application that can perform resource transfers. In this application, resource transfers between different resource accounts can be achieved. For example, resources in the resource account of a target object can be transferred to the resource account of a third party, or resources in the resource account of a third party can be transferred to the resource account of the target object. Among them, the resource account of a third party refers to a resource account that is not the resource account of the target object, which can be the resource account of the resource transfer application itself or other resource accounts that have a binding relationship with the resource transfer application. A resource account refers to an account for managing resources. For example, when the resource is funds, the resource account is an account for managing funds, such as a credit card account, a fund account, etc. In the embodiments of this application, the target object has at least two resource accounts. Among them, the first resource account of the target object refers to the resource account that needs to receive resources, and the second resource account of the target object refers to the resource account that can transfer out resources. For example, taking funds as an example, for the same target object, the first resource account can be the credit card account of the target object that needs to be repaid, and the second resource account can be the fund account of the target object. This fund account can redeem the funds belonging to this fund account and then transfer the redeemed funds from this fund account to other fund accounts.

[0076] When the first resource account of the target object needs to receive resources, the target object sends a resource transfer request for the first resource account to the resource transfer application, and the resource transfer application obtains the resource transfer request for the first resource account of the target object. Optionally, the methods for obtaining the resource transfer request for the first resource account of the target object include but are not limited to the following two:

[0077] Method 1: Based on the resource transfer request of the resource account of the target object, perform identity verification. The resource transfer request includes identity verification information; in response to successful identity verification, display a list of the resource accounts of the target object; in response to the first resource account of the target object being in the list of the resource accounts of the target object, based on the selection instruction for the first resource account of the target object, obtain the resource transfer request for the first resource account of the target object.

[0078] For the same target object, there may be multiple resource accounts, and the target object can pre-bind some or all of the resource accounts in the resource transfer application. When a resource transfer is required for a certain resource account of the target object, the target object sends a resource transfer request for the resource account, and the resource transfer request includes the identity verification information of the target object. For example, information such as the name of the target object, the identity document number of the target object, and the communication number of the target object. The resource transfer application authenticates the target object based on the identity verification information of the target object in the resource transfer request of the target object's resource account. Optionally, the process of authenticating the target object includes, but is not limited to, verifying whether the name in the target object's resource transfer request matches the identity document number, and verifying whether the name in the target object's resource transfer request matches the communication number, etc.

[0079] When the identity verification information of the target object does not match, the authentication fails, and at this time, the target object can be prompted that the identity verification information is incorrect. The embodiments of the present application do not limit the prompt method when the authentication fails. When the identity verification information of the target object matches, the authentication passes, and at this time, a list of all the resource accounts bound by the target object in the resource transfer application is displayed for the target object to select the first resource account to which the resource needs to be transferred, such as Figure 3 shown. When there are many resource accounts, the list of resource accounts can be scrolled up and down to facilitate the target object to view all the resource accounts in the list. Optionally, an entry for selecting other resource accounts is displayed below the list of resource accounts for the target object to select other resource accounts that do not belong to the list of this resource account as the first resource account. For example, Figure 3 the "other resource accounts" shown in

[0080] is used as the entry for selecting other resource accounts. Figure 3 When the resource account to which the resource needs to be transferred is in the list of this resource account, the target object can select this resource account and use this resource account as the first resource account of the target object. At this time, the resource account application obtains the selection instruction of the first resource account of the target object. Optionally, the method of selecting the resource account can be single-click, double-click, long-press, etc. Based on the selection instruction of the first resource account of the target object, the resource transfer application of the terminal can obtain the resource transfer request of the first resource account of the target object. For example, as Figure 3 shown, there is the first resource account of the target object in the list of resource accounts in

[0081] Based on the selection instruction of this first resource account, the resource transfer request of the first resource account of the target object can be obtained.

[0082] Method 2: In response to the fact that the first resource account of the target object is not in the list of the target object's resource accounts, display a resource account binding interface. In the resource account binding interface, obtain the information of the target object's first resource account, and based on the information of the target object's first resource account, obtain the resource transfer request of the target object's first resource account.

[0083] When the account to which the target object needs to transfer resources is not in the list of resource accounts, the target object can trigger an entry to select other resource accounts. For example, the target object clicks Figure 4 "Other resource accounts" in (1). At this time, a resource account binding interface is displayed in the resource transfer application on the terminal, as shown in Figure 4 (2). In the resource account binding interface, there are information input boxes displayed. The target object inputs information such as the name of the resource account to which resources need to be transferred and the password of the resource account. The resource transfer application obtains the information of the input resource account and uses the input resource account as the target object's first resource account. Optionally, the resource transfer application verifies the account information of the obtained first resource account. If the verification fails, it prompts the target object that the information is incorrect, and then clears the information input box for the target object to re-enter. For example, when the verification fails, a prompt message such as Figure 4 "The information input of the resource account is incorrect. Please re-enter" shown in (3) is displayed. When the target object triggers Figure 4 the "OK" option shown in (3), the information input box shown in Figure 4 (2) is displayed again. If the verification is successful, the resource transfer application binds the target object's first resource account according to the information of the obtained first resource account, and thus obtains the resource transfer request of the target object's first resource account.

[0084] Optionally, after obtaining the target object's first resource account, verify the target object's first resource account and the target object's identity verification information again. If the verification result is that the target object's first resource account does not belong to the target object, the verification fails, and the target object is prompted to verify the information of the first resource account; if the verification result is that the target object's first resource account belongs to the target object, the verification is successful, and subsequent operations are continued.

[0085] The resource transfer application on the terminal obtains the resource transfer quantity based on the resource transfer request of the target object's first resource account. The resource transfer quantity refers to the quantity of resources that need to be transferred to the target object's first resource account. For example, taking the resource as funds and the first resource account as a credit card account, the resource transfer quantity is the amount to be repaid on the target object's credit card, such as 5000 yuan, etc. Optionally, the methods for obtaining the resource transfer quantity include but are not limited to the following two:

[0086] Method 1: The resource transfer request of the first resource account of the target object includes the resource transfer quantity. According to the resource transfer request of the first resource account of the target object, the resource transfer quantity can be directly obtained.

[0087] Method 2: Based on the resource transfer request of the first resource account of the target object, display a resource transfer quantity input interface; on the resource transfer quantity input interface, obtain the input resource transfer quantity.

[0088] After obtaining the resource transfer request of the first resource account of the target object, display a resource transfer quantity input interface. The resource transfer input interface can be as shown in Figure 5 (1). The target object inputs the resource transfer quantity on the resource transfer input interface, and thus the resource transfer application obtains the input resource transfer quantity.

[0089] In step 202, determine the quantity of the first resource to be locked in the second resource account of the target object according to the resource transfer quantity.

[0090] The second resource account of the target object refers to the resource account that can transfer out resources. The embodiment of the present application does not limit the source of the second resource account of the target object. For example, the second resource account of the target object can be a resource account having a fixed association relationship with the first resource account of the target object, or a resource account selected by the target object from the list of resource accounts, or a resource account input by the target object. It should be noted that the resources in the second resource account of the target object can generate additional additional resources and can be transferred under normal conditions. For example, taking the second resource account of the target object as the fund account of the target object, the funds in the fund account can generate income and can be redeemed.

[0091] After obtaining the resource transfer quantity, determine the quantity of the first resource to be locked corresponding to the resource transfer quantity in the second resource account of the target object. The first resource refers to the resources in the second resource account of the target object. Since the resource transfer quantity refers to the quantity of resources that need to be transferred into the first resource account of the target object, the methods for determining the quantity of the first resource to be locked according to the resource transfer quantity include but are not limited to the following two:

[0092] When the form of the resources to be transferred into the first resource account of the target object is the same as the form of the first resource, the quantity of the first resource to be locked is the same as the resource transfer quantity.

[0093] When the form of the resource to be transferred in the first resource account of the target object is different from the form of the first resource, the form of the resource to be transferred in the first resource account can be first converted to the same form as the first resource, and then the quantity of the first resource can be determined according to the resource corresponding to the resource transfer quantity. For example, when the form of the resource to be transferred in the first resource account of the target object is funds and the form of the first resource is a fund, the resource transfer quantity refers to the amount of funds transferred. The unit amount of funds can be first converted into the share of the fund, and then the corresponding share of the fund can be determined according to the amount of funds transferred, and this share of the fund can be used as the quantity of the first resource to be locked.

[0094] In step 203, in response to the quantity of the first resource to be locked not exceeding the reference quantity, the first resource to be locked is locked. The locked first resource can generate additional additional resources but cannot be transferred.

[0095] After determining the quantity of the first resource to be locked in the second resource account, it is judged whether the quantity of the first resource to be locked exceeds the reference quantity. The reference quantity can be set according to the total quantity of resources in the second resource account. For example, the reference quantity can be the total quantity of resources in the second resource account, or it can be 80% of the total quantity of resources in the second resource account.

[0096] When the quantity of the first resource to be locked exceeds the reference quantity, the resource transfer application prompts the target object that the quantity of resources in the second resource account is insufficient. For example, as Figure 5 (2) shows, it is prompted in the form of a pop-up window, and the content in the pop-up window is "Insufficient resource quantity". When the time for the prompt message to be prompted exceeds the reference time or when the target object triggers Figure 5 the "OK" option in (2), it can return to the resource transfer quantity input interface as shown in Figure 5 (1) or it can also return to the main interface of the resource transfer application. The embodiments of the present application do not limit this. The reference time can be set according to experience, such as 5 seconds, etc.

[0097] When the quantity of the first resources to be locked does not exceed the reference quantity, lock the first resources to be locked. The result of locking the first resources to be locked may be successful or may be a failure. Optionally, when the locking result is a failure, prompt the target object that the locking fails. At this time, the first resources are still in the state of being to be locked, that is, in a state where they can both generate additional attachment resources and be transferred. When the locking result is a success, the first resources are in a locked state. The locked first resources can continue to generate additional attachment resources, but cannot be transferred. For example, taking the first resources as funds, when the funds are in the state of being to be locked, they can generate income and can be redeemed and transferred to other fund accounts. When the funds are in the locked state, they can still continue to generate income, but cannot be redeemed and transferred to other fund accounts.

[0098] In step 204, in response to the locking being successful, transfer the second resources in the resource account of the third party to the first resource account of the target object. The quantity of the second resources corresponds to the quantity of the first resources.

[0099] After the first resources are successfully locked, determine the quantity of the second resources in the resource account of the third party according to the quantity of the first resources. The quantity of the second resources corresponds to the quantity of the first resources. When the form of the second resources is the same as the form of the first resources, the quantity of the second resources is the same as the quantity of the first resources. When the form of the second resources is different from the form of the first resources, the form of the first resources can be first converted into the same form as the form of the second resources, and then the quantity of the second resources is determined according to the resources corresponding to the quantity of the first resources. For example, when the form of the second resources is funds and the form of the first resources is funds, the quantity of the first resources refers to the share of the funds. The unit share of the funds can be first converted into the amount of funds, and then the amount of funds corresponding to the share of the funds is determined, and the amount of funds is used as the quantity of the second resources. The resource account of the third party can be the resource account of the resource transfer application itself, or can be other resource accounts having a binding relationship with the resource transfer application.

[0100] After determining the quantity of the second resources in the resource account of the third party according to the quantity of the locked first resources, transfer the second resources in the resource account of the third party to the first resource account of the target object. For example, taking the first resource account of the target object as a credit card account, the second resource account of the target object as a fund account, and the resource account of the third party as a fund account as an example, transfer the funds of the third party to the credit card account of the target object. This process is equivalent to the third party repaying the credit card on behalf of the target object. In this process, the locked funds in the fund account of the target object can play a role in providing financial guarantee.

[0101] Optionally, transferring the second resource in the resource account of a third party to the first resource account of a target object includes: transferring the second resource in the resource account of the third party to a transit platform, where the transit platform is used to transfer the second resource in the resource account of the third party to the first resource account of the target object.

[0102] During the process of transferring the second resource in the resource account of the third party to the first resource account of the target object, a transit platform is added. First, transfer the second resource in the resource account of the third party to the transit platform, and then the transit platform transfers the second resource in the resource account of the third party to the first resource account of the target object. For example, taking the resource account of the third party as a fund account and the first resource account of the target object as a credit card account, the transit platform can be UnionPay E-Pay, which refers to a platform that relies on the national unified inter-bank information exchange network of UnionPay to provide bank card payment and fund settlement services for various merchants and users. During the process of the third party repaying the credit card on behalf of the target object, first pay the funds in the fund account of the third party to UnionPay E-Pay, and then UnionPay E-Pay pays the funds to the credit card account of the target object. The credit card account refers to the account of the credit card in the issuing bank. Adding a transit platform can shorten the path of resource transfer, thereby improving the success rate of resource transfer.

[0103] Optionally, the transfer results of transferring the second resource in the resource account of the third party to the first resource account of the target object include but are not limited to the following three types:

[0104] Result 1: The resource transfer result is that the resource transfer fails, and the number of times of resource transfer failure does not exceed the threshold.

[0105] When the resource transfer is interrupted or the resource transfer is abnormal, the resource transfer result is that the resource transfer fails. The reasons for the interruption or abnormality of the resource transfer may be network failures or system failures, or other factors, which are not limited in this embodiment of the present application. When the resource transfer fails, judge the number of times of resource transfer failure. If the number of times of resource transfer failure does not exceed the threshold, continue to perform the operation of transferring the second resource in the resource account of the third party to the first resource account of the target object until the resource transfer result is that the resource transfer is successful or the number of times of resource transfer failure exceeds the threshold. Among them, the threshold can be set according to experience, such as 3 times, or can be freely adjusted according to the application scenario.

[0106] Result 2: The resource transfer result is that the resource transfer fails, and the number of times of resource transfer failure exceeds the threshold. In this case, the locked first resource is unlocked. At this time, the first resource is still in the second resource account of the target object, and the first resource after unlocking can both generate additional supplementary resources and be transferred. Taking the first resource as a fund as an example, the fund after unlocking can both generate income and be redeemed and transferred to other fund accounts. Optionally, if the operation of unlocking the first resource fails multiple times, it is transferred to manual processing, and the first resource is unlocked manually.

[0107] Result 3: The resource transfer result is that the resource transfer is successful.

[0108] When the second resource in the resource account of the third party is successfully transferred to the first resource account of the target object, the first resource account of the target object obtains the second resource, but the second resource is lost in the resource account of the third party. In this case, step 205 is executed.

[0109] In step 205, in response to the resource transfer result being that the resource transfer is successful, the locked first resource is unlocked, and the unlocked first resource is transferred to the resource account of the third party.

[0110] When the resource transfer result is that the resource transfer is successful, the locked first resource is unlocked, and then the unlocked first resource is transferred to the resource account of the third party. This process is equivalent to compensating for the lost second resource in the resource account of the third party with the first resource in the second resource account of the target object. The entire resource transfer process can be as Figure 6 shown. On the premise of locking the first resource in the second resource account of the target object, first transfer the second resource in the resource account of the third party to the first resource account of the target object, and after the transfer is successful, then unlock and transfer the first resource in the second resource account of the target object to the resource account of the third party.

[0111] In the related art during the process of resource transfer, first, the first resource in the second resource account of the target object is transferred to the resource account of a third party, and then the second resource corresponding to the quantity of the first resource in the resource account of the third party is transferred to the first resource account of the target object. Since the first resource cannot generate additional attached resources after being transferred to the resource account of the third party, when the resource transfer period is long, some attached resources will be lost. In the embodiment of the present application, first, the first resource in the second resource account of the target object is locked. After the second resource in the third-party resource account is successfully transferred to the first resource account of the target object, the first resource in the second resource account of the target object is unlocked and transferred to the account of the third-party resource. Since the first resource can continue to generate additional attached resources during the locked period, even if the resource transfer period is long, the resources of the target object will not be lost.

[0112] In addition, in the related art, if the transfer of the second resource in the resource account of the third party to the first resource account of the target object fails, since the third party has obtained the second resource transferred from the second resource account of the target object, the second resource needs to be returned, and even manual intervention may be required. The processing flow for transfer failure is complex. However, for the method provided in the embodiment of the present application, if the transfer of the second resource of the third party to the first resource account of the target object fails, only the locked first resource needs to be unlocked, and the processing flow for transfer failure is simple.

[0113] For ease of understanding, next, a specific resource transfer application scenario will be used as an example for illustration, and the resource transfer process can be as Figure 7 shown. Figure 7 The resource transfer scenario shown is a scenario where the target object uses a fund to repay a credit card based on a third-party merchant platform. In this scenario, the first resource account of the target object is the credit card account of the target object; the second resource account of the target object is the fund account of the target object; the resource account of the third party is the fund account of the third-party merchant platform; the resource transfer quantity is the amount of the credit card payment to be made by the target object; the first resource in the second resource account of the target object is a certain share of the fund corresponding to the amount of the credit card payment to be made; the second resource in the third-party resource account is the fund corresponding to the amount of the credit card payment to be made.

[0114] In the case of Figure 7In the scenario shown, there are three major entities involved: the target object, the third-party merchant platform, and the bank. The third-party merchant platform can refer to an application that interfaces with different third-party fund companies. This third-party merchant platform has a fund service, a card service, and a fund repayment system. Among them, the fund service refers to services related to funds such as product introduction of funds, fund purchase, fund recommendation, and fund management; the card service refers to the service of managing the credit cards bound by the target object on this third-party merchant platform; the fund repayment system refers to a system that can realize the transfer of funds to repay credit cards. The premise for this scenario to be realized is that the target object has purchased a certain share of funds on the third-party merchant platform. Next, a specific introduction will be made based on Figure 7 the application scenario shown, for the process of resource transfer.

[0115] First, the target object initiates a fund transfer to repay credit card request, which contains the identity verification information of the target object. The fund repayment system in the third-party merchant platform verifies the identity of the target object. After successful identity verification, the card service in the third-party merchant platform obtains the credit card list corresponding to the identity verification information of the target object and displays this credit card list. If the credit card to be repaid is within this list, the third-party merchant platform jumps to the repayment amount input page to obtain the repayment amount based on the target object's selection instruction for this credit card to be repaid; if the credit card to be repaid is not within this list, the third-party merchant platform jumps to the repayment amount input page to obtain the repayment amount based on the relevant information of the credit card to be repaid entered by the target object in the information input box. Optionally, after determining the credit card to be repaid, the fund repayment system conducts a secondary verification on the card number of the credit card to be repaid and the name of the target object. After successful verification, the third-party merchant platform determines the share of the fund to be locked corresponding to the repayment amount based on the obtained repayment amount, and then locks the instructed share of the fund. During the locking period, the fund cannot be redeemed, but it can still generate income. After successful locking, the fund repayment system of the third-party merchant platform uses the funds of this third-party merchant platform to conduct a repayment operation on behalf. The fund repayment system sends a repayment request to the issuing bank of the target object's credit card, and then the fund repayment system polls and sends a repayment result query request to this bank and waits. If the repayment result returned by the bank is successful repayment, the third-party merchant platform unlocks the locked fund and conducts a redemption transfer process. The fund repayment system of the third-party merchant platform receives the payment and places the redeemed funds in the fund account of the third-party merchant platform. If the repayment result returned by the bank is repayment failure, the third-party merchant platform unlocks the locked fund, and the unlocked fund still belongs to the target object. Finally, the third-party merchant platform notifies the target object of the repayment result, that is, notifies the target object whether the fund transfer to repay the credit card is successful.

[0116] In the embodiment of the present application, first lock the first resource in the second resource account of the target object. During the locked period, the first resource can continue to generate additional supplementary resources. After the second resource in the resource account of the third party is successfully transferred to the first resource account of the target object, then unlock the first resource in the second resource account of the target object and transfer it to the resource account of the third party. During the entire resource transfer process, even if the resource transfer period is long, it will not cause loss of supplementary resources, ensuring the integrity of the target object's resources, improving the effect of resource transfer, and enhancing the user experience.

[0117] Based on the same technical concept, refer to Figure 8 , the embodiment of the present application provides a resource transfer device, which includes:

[0118] An acquisition module 801, configured to acquire a resource transfer quantity based on a resource transfer request of the first resource account of the target object;

[0119] A determination module 802, configured to determine the quantity of the first resource to be locked in the second resource account of the target object according to the resource transfer quantity;

[0120] A locking module 803, configured to lock the first resource to be locked in response to the quantity of the first resource to be locked not exceeding a reference quantity. The locked first resource can generate additional supplementary resources but cannot be transferred;

[0121] A first transfer module 804, configured to transfer the second resource in the resource account of the third party to the first resource account of the target object in response to successful locking. The quantity of the second resource corresponds to the quantity of the first resource;

[0122] An unlocking module 805, configured to unlock the locked first resource in response to the resource transfer result being successful resource transfer;

[0123] A second transfer module 806, configured to transfer the unlocked first resource to the resource account of the third party.

[0124] Optionally, the unlocking module 805 is further configured to unlock the locked first resource in response to the resource transfer result being failed resource transfer when the number of times of failed resource transfer exceeds a threshold range.

[0125] Optionally, the first transfer module 804 is further configured to continue to execute the transfer of the second resource in the resource account of the third party to the first resource account of the target object in response to the resource transfer result being failed resource transfer when the number of times of failed resource transfer does not exceed the threshold, until the resource transfer result is successful resource transfer or the number of times of failed resource transfer exceeds the threshold.

[0126] Optionally, an unlocking module 805 is configured to restore the state of the locked first resource to a state where additional extra resources can be generated and transferred.

[0127] Optionally, a first transfer module 804 is configured to transfer a second resource in a resource account of a third party to a transfer platform, and the transfer platform is configured to transfer the second resource in the resource account of the third party to a first resource account of a target object.

[0128] Optionally, referring to Figure 9 , the apparatus further includes:

[0129] An authentication module 807 is configured to perform identity authentication based on a resource transfer request of a resource account of a target object, where the resource transfer request includes identity authentication information;

[0130] A first display module 808 is configured to display a list of resource accounts of the target object in response to successful identity authentication.

[0131] An obtaining module 801 is configured to obtain a resource transfer request of the first resource account of the target object based on a selection instruction of the first resource account of the target object in response to the first resource account of the target object being in the list of resource accounts of the target object.

[0132] Optionally, the obtaining module 801 is configured to display a resource account binding interface in response to the first resource account of the target object not being in the list of resource accounts of the target object, obtain information of the first resource account of the target object on the resource account binding interface, and obtain a resource transfer request of the first resource account of the target object based on the information of the first resource account of the target object.

[0133] Optionally, referring to Figure 10 , the apparatus further includes:

[0134] A second display module 809 is configured to display a resource transfer quantity input interface based on a resource transfer request of the first resource account of the target object.

[0135] The obtaining module 801 is configured to obtain an input resource transfer quantity on the resource transfer quantity input interface.

[0136] In the embodiment of the present application, first, the first resource in the second resource account of the target object is locked. During the locking period, the first resource can continue to generate additional extra resources. After the second resource in the resource account of the third party is successfully transferred to the first resource account of the target object, the first resource in the second resource account of the target object is unlocked and transferred to the resource account of the third party. In the whole process of resource transfer, even if the resource transfer period is long, it will not cause loss of additional resources, ensuring the integrity of the resources of the target object, improving the effect of resource transfer, and enhancing the user experience.

[0137] It should be noted that when the device provided in the above embodiments realizes its functions, only the division of the above functional modules is used for illustration. In actual applications, the above functions can be allocated to different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules to complete all or part of the functions described above. In addition, the device provided in the above embodiments and the method embodiments belong to the same concept. For the specific implementation process, please refer to the method embodiments and will not be elaborated here.

[0138] Figure 11 FIG. is a schematic structural diagram of a device for resource transfer provided by an embodiment of the present application. The device may be a terminal, for example, it may be: a smart phone, a tablet computer, an MP3 player (Moving Picture Experts Group Audio Layer III), an MP4 (Moving Picture Experts Group Audio Layer IV) player, a notebook computer or a desktop computer. The terminal may also be referred to by other names such as user equipment, portable terminal, laptop terminal, desktop terminal, etc.

[0139] Generally, the terminal includes: a processor 1101 and a memory 1102.

[0140] The processor 1101 may include one or more processing cores, such as a 4-core processor, an 8-core processor, etc. The processor 1101 may be implemented in at least one hardware form of DSP (Digital Signal Processing), FPGA (Field-Programmable Gate Array), and PLA (Programmable Logic Array). The processor 1101 may also include a main processor and a co-processor. The main processor is a processor for processing data in the wake state, also known as the CPU (Central Processing Unit); the co-processor is a low-power processor for processing data in the standby state. In some embodiments, the processor 1101 may be integrated with a GPU (Graphics Processing Unit), and the GPU is responsible for rendering and drawing the content to be displayed on the display screen. In some embodiments, the processor 1101 may further include an AI (Artificial Intelligence) processor, and the AI processor is used to process computational operations related to machine learning.

[0141] The memory 1102 may include one or more computer-readable storage media, which may be non-transitory. The memory 1102 may also include high-speed random access memory, as well as non-volatile memory, such as one or more disk storage devices and flash storage devices. In some embodiments, the non-transitory computer-readable storage media in the memory 1102 is used to store at least one instruction for being executed by the processor 1101 to implement the resource transfer method provided in the method embodiments of this application.

[0142] In some embodiments, the terminal may further optionally include: a peripheral device interface 1103 and at least one peripheral device. The processor 1101, the memory 1102, and the peripheral device interface 1103 may be connected through a bus or signal lines. Each peripheral device may be connected to the peripheral device interface 1103 through a bus, signal lines, or a circuit board. Specifically, the peripheral device includes at least one of a radio frequency circuit 1104, a touch display screen 1105, a camera assembly 1106, an audio circuit 1107, a positioning component 1108, and a power supply 1109.

[0143] The peripheral device interface 1103 may be used to connect at least one I / O (Input / Output) related peripheral device to the processor 1101 and the memory 1102. In some embodiments, the processor 1101, the memory 1102, and the peripheral device interface 1103 are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor 1101, the memory 1102, and the peripheral device interface 1103 may be implemented on a separate chip or circuit board, and this embodiment does not limit this.

[0144] The radio frequency circuit 1104 is used to receive and transmit RF (Radio Frequency) signals, also known as electromagnetic signals. The radio frequency circuit 1104 communicates with the communication network and other communication devices through electromagnetic signals. The radio frequency circuit 1104 converts electrical signals into electromagnetic signals for transmission, or converts the received electromagnetic signals into electrical signals. Optionally, the radio frequency circuit 1104 includes: an antenna system, an RF transceiver, one or more amplifiers, a tuner, an oscillator, a digital signal processor, a codec chipset, a user identity module card, and so on. The radio frequency circuit 1104 can communicate with other terminals through at least one wireless communication protocol. The wireless communication protocol includes but is not limited to: metropolitan area network, various generations of mobile communication networks (2G, 3G, 4G, and 5G), wireless local area network, and / or WiFi (Wireless Fidelity) network. In some embodiments, the radio frequency circuit 1104 may further include a circuit related to NFC (Near Field Communication), which is not limited in this application.

[0145] The display screen 1105 is used to display the UI (User Interface). The UI may include graphics, text, icons, videos, and any combination thereof. When the display screen 1105 is a touch display screen, the display screen 1105 also has the ability to collect touch signals on or above the surface of the display screen 1105. The touch signal can be input to the processor 1101 as a control signal for processing. At this time, the display screen 1105 can also be used to provide virtual buttons and / or virtual keyboards, also known as soft buttons and / or soft keyboards. In some embodiments, the display screen 1105 can be one, disposed on the front panel of the terminal; in other embodiments, the display screen 1105 can be at least two, respectively disposed on different surfaces of the terminal or in a folded design; in still other embodiments, the display screen 1105 can be a flexible display screen, disposed on the curved surface or folding surface of the terminal. Even, the display screen 1105 can also be set to an irregular non-rectangular shape, that is, a special-shaped screen. The display screen 1105 can be prepared using materials such as LCD (Liquid Crystal Display) and OLED (Organic Light-Emitting Diode).

[0146] The camera assembly 1106 is used to capture images or videos. Optionally, the camera assembly 1106 includes a front camera and a rear camera. Generally, the front camera is disposed on the front panel of the terminal, and the rear camera is disposed on the back of the terminal. In some embodiments, there are at least two rear cameras, which are any one of a main camera, a depth camera, a wide-angle camera, and a telephoto camera, so as to implement the function of background blurring by fusing the main camera and the depth camera, panoramic shooting by fusing the main camera and the wide-angle camera, and VR (Virtual Reality) shooting function or other fusion shooting functions. In some embodiments, the camera assembly 1106 may further include a flash. The flash can be a single-color temperature flash or a dual-color temperature flash. The dual-color temperature flash refers to a combination of a warm light flash and a cold light flash, which can be used for light compensation under different color temperatures.

[0147] The audio circuit 1107 may include a microphone and a speaker. The microphone is used to collect sound waves of the user and the environment, and convert the sound waves into electrical signals and input them to the processor 1101 for processing, or input them to the radio frequency circuit 1104 to achieve voice communication. For the purpose of stereo collection or noise reduction, there may be multiple microphones, which are respectively disposed at different parts of the terminal. The microphone can also be an array microphone or an omnidirectional collection microphone. The speaker is used to convert the electrical signal from the processor 1101 or the radio frequency circuit 1104 into sound waves. The speaker can be a traditional thin film speaker or a piezoelectric ceramic speaker. When the speaker is a piezoelectric ceramic speaker, it can not only convert the electrical signal into sound waves audible to humans, but also convert the electrical signal into sound waves inaudible to humans for uses such as ranging. In some embodiments, the audio circuit 1107 may further include a headphone jack.

[0148] The positioning component 1108 is used to locate the current geographical location of the terminal to implement navigation or LBS (Location Based Service). The positioning component 1108 can be a positioning component based on the US GPS (Global Positioning System), China's Beidou system, Russia's GLONASS system, or the EU's Galileo system.

[0149] The power supply 1109 is used to supply power to each component in the terminal. The power supply 1109 can be alternating current, direct current, a disposable battery, or a rechargeable battery. When the power supply 1109 includes a rechargeable battery, the rechargeable battery can support wired charging or wireless charging. The rechargeable battery can also be used to support fast charging technology.

[0150] In some embodiments, the terminal further includes one or more sensors 1110. The one or more sensors 1110 include, but are not limited to: an acceleration sensor 1111, a gyroscope sensor 1112, a pressure sensor 1113, a fingerprint sensor 1114, an optical sensor 1115, and a proximity sensor 1116.

[0151] The acceleration sensor 1111 can detect the magnitudes of accelerations on the three coordinate axes of the coordinate system established by the terminal. For example, the acceleration sensor 1111 can be used to detect the components of the gravitational acceleration on the three coordinate axes. The processor 1101 can control the touch display screen 1105 to display the user interface in a landscape view or a portrait view according to the gravitational acceleration signal collected by the acceleration sensor 1111. The acceleration sensor 1111 can also be used for collecting game or user movement data.

[0152] The gyroscope sensor 1112 can detect the body direction and rotation angle of the terminal. The gyroscope sensor 1112 can cooperate with the acceleration sensor 1111 to collect the 3D actions of the user on the terminal. According to the data collected by the gyroscope sensor 1112, the processor 1101 can implement the following functions: motion sensing (such as changing the UI according to the user's tilting operation), image stabilization during shooting, game control, and inertial navigation.

[0153] The pressure sensor 1113 can be disposed on the side frame of the terminal and / or the lower layer of the touch display screen 1105. When the pressure sensor 1113 is disposed on the side frame of the terminal, it can detect the holding signal of the user on the terminal, and the processor 1101 can perform left / right hand recognition or quick operation according to the holding signal collected by the pressure sensor 1113. When the pressure sensor 1113 is disposed on the lower layer of the touch display screen 1105, the processor 1101 can control the operable controls on the UI interface according to the pressure operation of the user on the touch display screen 1105. The operable controls include at least one of button controls, scroll bar controls, icon controls, and menu controls.

[0154] The fingerprint sensor 1114 is used to collect the fingerprint of the user. The processor 1101 can identify the user's identity according to the fingerprint collected by the fingerprint sensor 1114, or the fingerprint sensor 1114 can identify the user's identity according to the collected fingerprint. When the identity of the user is identified as a trusted identity, the processor 1101 authorizes the user to perform relevant sensitive operations, and the sensitive operations include unlocking the screen, viewing encrypted information, downloading software, making payments, and changing settings, etc. The fingerprint sensor 1114 can be disposed on the front, back, or side of the terminal. When there are physical buttons or manufacturer Logos on the terminal, the fingerprint sensor 1114 can be integrated with the physical buttons or manufacturer Logos.

[0155] The optical sensor 1115 is used to collect the ambient light intensity. In one embodiment, the processor 1101 may control the display brightness of the touch display screen 1105 according to the ambient light intensity collected by the optical sensor 1115. Specifically, when the ambient light intensity is high, the display brightness of the touch display screen 1105 is increased; when the ambient light intensity is low, the display brightness of the touch display screen 1105 is decreased. In another embodiment, the processor 1101 may also dynamically adjust the shooting parameters of the camera assembly 1106 according to the ambient light intensity collected by the optical sensor 1115.

[0156] The proximity sensor 1116, also known as the distance sensor, is usually disposed on the front panel of the terminal. The proximity sensor 1116 is used to collect the distance between the user and the front of the terminal. In one embodiment, when the proximity sensor 1116 detects that the distance between the user and the front of the terminal is gradually decreasing, the processor 1101 controls the touch display screen 1105 to switch from the lit state to the off state; when the proximity sensor 1116 detects that the distance between the user and the front of the terminal is gradually increasing, the processor 1101 controls the touch display screen 1105 to switch from the off state to the lit state.

[0157] Those skilled in the art can understand that Figure 11 the structure shown in

[0158] In an exemplary embodiment, a computer device is further provided. The computer device includes a processor and a memory, and at least one instruction, at least one program, a code set or an instruction set is stored in the memory. The at least one instruction, at least one program, the code set or the instruction set is configured to be executed by one or more processors to implement any of the above resource transfer methods.

[0159] In an exemplary embodiment, a computer-readable storage medium is further provided. At least one instruction, at least one program, a code set or an instruction set is stored in the storage medium, and the at least one instruction, the at least one program, the code set or the instruction set implements any of the above resource transfer methods when executed by a processor of a computer device.

[0160] Optionally, the above computer-readable storage medium may be a ROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, etc.

[0161] It should be understood that the "plurality" mentioned herein refers to two or more. "And / or" describes the association relationship of associated objects and indicates that there can be three relationships. For example, A and / or B can represent three situations: A exists alone, A and B exist simultaneously, and B exists alone. The character " / " generally represents an "or" relationship between the associated objects before and after.

[0162] The serial numbers of the embodiments of the present application above are only for description and do not represent the superiority or inferiority of the embodiments.

[0163] The above are only exemplary embodiments of the present application and are not intended to limit the present application. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A method for resource transfer, characterized in that, the method includes: Based on a resource transfer request of the first resource account of the target object, obtain the resource transfer quantity; Determine the quantity of the first resource to be locked in the second resource account of the target object according to the resource transfer quantity; In response to the quantity of the first resource to be locked not exceeding the reference quantity, lock the first resource to be locked. The locked first resource can generate additional supplementary resources but cannot be transferred; In response to successful locking, transfer the second resource in the resource account of a third party to the first resource account of the target object, and the quantity of the second resource corresponds to the quantity of the first resource; In response to the resource transfer result being successful resource transfer, unlock the locked first resource, and transfer the unlocked first resource to the resource account of the third party; The first resource account of the target object is the credit card account of the target object; the second resource account of the target object is the fund account of the target object; the resource account of the third party is the fund account of the third-party merchant platform; the resource transfer quantity is the amount of credit card repayment to be made by the target object; the first resource in the second resource account of the target object is a certain share of the fund corresponding to the credit card repayment amount; the second resource in the third-party resource account is the fund corresponding to the credit card repayment amount; The third-party merchant platform refers to an application program that interfaces with different third-party fund companies. This third-party merchant platform has fund services, card services, and a fund repayment system; fund services refer to services such as product introduction of funds, fund purchase, fund recommendation, and fund management; card services refer to services for the credit card bound by the target object on this third-party merchant platform; the fund repayment system refers to a system that can realize the use of funds to repay credit cards; The transferring of the second resource in the resource account of the third party to the first resource account of the target object includes: The fund repayment system of the third-party merchant platform uses the funds of this third-party merchant platform to perform a repayment operation. The fund repayment system sends a repayment request to the issuing bank of the target object's credit card, and the fund repayment system polls and sends a repayment result query request to this bank and waits; The transferring of the unlocked first resource to the resource account of the third party includes: The third-party merchant platform performs a fund redemption and transfer process. The fund repayment system of the third-party merchant platform receives the payment, and places the redeemed funds in the fund account of the third-party merchant platform.

2. The method according to claim 1, characterized in that, after the transferring of the second resource in the resource account of the third party to the first resource account of the target object, it further includes: In response to the resource transfer result being resource transfer failure, when the number of resource transfer failures exceeds the threshold, unlock the locked first resource.

3. The method according to claim 1, characterized in that, after the transferring of the second resource in the resource account of the third party to the first resource account of the target object, it further includes: In response to the resource transfer result being a resource transfer failure, when the number of resource transfer failures does not exceed a threshold, continue to execute the operation of transferring the second resource in the resource account of the third party to the first resource account of the target object until the resource transfer result is a resource transfer success or the number of resource transfer failures exceeds the threshold.

4. The method according to claim 1 or 2, wherein, the unlocking of the locked first resource includes: restoring the state of the locked first resource to a state where it can generate additional supplementary resources and can be transferred.

5. The method according to claim 1, wherein, the transferring of the second resource in the resource account of the third party to the first resource account of the target object includes: transferring the second resource in the resource account of the third party to a transfer platform, and the transfer platform is used to transfer the second resource in the resource account of the third party to the first resource account of the target object.

6. The method according to any one of claims 1, 2, 3, 5, wherein, before obtaining the resource transfer quantity based on the resource transfer request of the first resource account of the target object, further includes: performing identity verification based on the resource transfer request of the resource account of the target object, and the resource transfer request includes identity verification information; in response to the identity verification passing, displaying a list of the resource accounts of the target object; in response to the first resource account of the target object being in the list of the resource accounts of the target object, based on the selection instruction of the first resource account of the target object, obtaining the resource transfer request of the first resource account of the target object.

7. The method according to any one of claims 1, 2, 3, 5, wherein, before obtaining the resource transfer quantity based on the resource transfer request of the first resource account of the target object, further includes: performing identity verification based on the resource transfer request of the resource account of the target object, and the resource transfer request includes identity verification information; in response to the identity verification passing, displaying a list of the resource accounts of the target object; in response to the first resource account of the target object not being in the list of the resource accounts of the target object, displaying a resource account binding interface, in the resource account binding interface, obtaining the information of the first resource account of the target object, and based on the information of the first resource account of the target object, obtaining the resource transfer request of the first resource account of the target object.

8. The method according to claim 1, wherein, obtaining the resource transfer quantity based on the resource transfer request of the first resource account of the target object includes: displaying a resource transfer quantity input interface based on the resource transfer request of the first resource account of the target object; in the resource transfer quantity input interface, obtaining the input resource transfer quantity.

9. A resource transfer device, wherein, the device includes: an obtaining module, configured to obtain a resource transfer quantity based on a resource transfer request of a first resource account of a target object; a determining module, configured to determine the quantity of the first resource to be locked in a second resource account of the target object according to the resource transfer quantity; A locking module, which is used to lock the first resource to be locked in response to the quantity of the first resource to be locked not exceeding a reference quantity. The locked first resource can generate additional supplementary resources but cannot be transferred. A first transfer module, which is used to transfer the second resource in the resource account of a third party to the first resource account of the target object in response to successful locking. The quantity of the second resource corresponds to the quantity of the first resource. An unlocking module, which is used to unlock the locked first resource in response to the result of resource transfer being successful resource transfer. A second transfer module, which is used to transfer the unlocked first resource to the resource account of the third party. The first resource account of the target object is the credit card account of the target object; the second resource account of the target object is the fund account of the target object; the resource account of the third party is the fund account of a third-party merchant platform; the resource transfer quantity is the amount of credit card repayment to be made by the target object; the first resource of the second resource account of the target object is a certain share of the fund corresponding to the amount of credit card repayment to be made; the second resource of the third-party resource account is the fund corresponding to the amount of credit card repayment to be made. The third-party merchant platform refers to an application program that interfaces with different third-party fund companies. This third-party merchant platform has a fund service, a card service, and a fund repayment system; the fund service refers to services such as product introduction of funds, fund purchase, fund recommendation, and fund management; the card service refers to the service of the credit card bound by the target object on this third-party merchant platform; the fund repayment system refers to a system that can realize the repayment of credit cards using funds. The first transfer module, which transfers the second resource in the resource account of the third party to the first resource account of the target object, includes: The first transfer module enables the fund repayment system of the third-party merchant platform to perform a repayment operation on behalf of others using the funds of this third-party merchant platform. The fund repayment system sends a repayment request to the issuing bank of the target object's credit card, and the fund repayment system polls and sends a repayment result query request to this bank and waits. The second transfer module, which is used to transfer the unlocked first resource to the resource account of the third party, includes: The second transfer module enables the third-party merchant platform to perform a fund redemption and transfer process. The fund repayment system of the third-party merchant platform receives the payment and places the redeemed funds in the fund account of the third-party merchant platform.

10. A computer device Characterized in that The computer device includes a processor and a memory. At least one instruction is stored in the memory. When the at least one instruction is executed by the processor, the method for resource transfer as described in any one of claims 1 to 8 is implemented.

11. A computer-readable storage medium Characterized in that At least one instruction is stored in the computer-readable storage medium. When the at least one instruction is executed, the method for resource transfer as described in any one of claims 1 to 8 is implemented.

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