Transfer transaction processing method, apparatus, computer-readable storage medium, and device

Abstract

The application provides a transfer transaction processing method, a transfer transaction processing device, a computer readable storage medium and an electronic equipment; and relates to the technical field of computers. The method comprises the following steps: a receiver terminal receives transfer information corresponding to a transfer transaction, and outputs a display interface; wherein the display interface is used to display the transfer information corresponding to the transfer transaction, and the display interface comprises an interactive control for receiving the transfer; when receiving a receiving operation acting on the interactive control, an information input interface is displayed, and a supplementary information input operation for perfecting the transfer information is received in the information input interface; and the transfer transaction is executed according to the supplementary information input operation. It can be seen that the technical scheme of the application can execute the transfer transaction according to the supplementary information (such as the collection account selected by the payee) provided by the payee user, improve the participation and perception of the payee user in the transfer process, and thus improve the problem that the freedom of collection is not high.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of computer, in particular, relates to a transfer transaction processing method, a transfer transaction processing device, a computer readable storage medium and an electronic device. BACKGROUND

[0002] With the continuous development of computer technology, people can transfer money online through the network. Generally speaking, if a user needs to transfer money to another user, the user needs to input the name, account number, transfer amount and a series of information of the payee on the transfer page, and then transfer the money in the account to the other account through online calculation. After the transfer is successful, the other user will usually receive the touch information. In such a transfer mode, the payee user does not need to participate in the transfer process, and the transfer amount can automatically reach the designated payee account after the transfer is completed. The payee user can only passively accept the transfer of the designated account. This easily leads to the problem of low degree of freedom of receiving money.

[0003] It should be noted that the information disclosed in the above background section is only used to strengthen the understanding of the background of the present application, and therefore can include information that does not constitute prior art known to those of ordinary skill in the art. SUMMARY

[0004] The purpose of the present application is to provide a transfer transaction processing method, a transfer transaction processing device, a computer readable storage medium and an electronic device, which can execute the transfer transaction according to the supplementary information (such as the payee selected payee account) provided by the payee user, improve the participation and perception of the payee user in the transfer process, and thus improve the problem of low degree of freedom of receiving money.

[0005] Other characteristics and advantages of the present application will become apparent from the following detailed description, or will be learned by practice of the present application.

[0006] According to an aspect of the present application, a transfer transaction processing method is provided, comprising:

[0007] The receiver terminal receives the transfer information corresponding to the transfer transaction, and outputs a display interface; wherein the display interface is used to display the transfer information corresponding to the transfer transaction, and the display interface includes an interactive control for receiving the transfer;

[0008] The receiver terminal receives the receiving operation acting on the interactive control, displays an information input interface, and receives the supplementary information input operation for perfecting the transfer information in the information input interface;

[0009] The receiver terminal executes the transfer transaction according to the supplementary information input operation.

[0010] According to an aspect of the present application, a transfer transaction processing apparatus is provided, comprising an interface output unit, an interface display unit, an operation detection unit, and a transfer execution unit, wherein:

[0011] The interface output unit is configured to receive transfer information corresponding to a transfer transaction, and output a display interface; wherein the display interface is configured to display the transfer information corresponding to the transfer transaction, and the display interface comprises an interactive control configured to receive a transfer;

[0012] The interface display unit is configured to receive a receiving operation acting on the interactive control, and display an information input interface;

[0013] The operation detection unit is configured to receive a supplementary information input operation for perfecting the transfer information in the information input interface;

[0014] The transfer execution unit is configured to execute the transfer transaction according to the supplementary information input operation.

[0015] In an exemplary embodiment of the present application, the apparatus further comprises a message display unit, wherein:

[0016] The message display unit is configured to, before the interface output unit outputs the display interface, determine that a transfer transaction is detected and display a transfer message when receiving the transfer message sent by a sender terminal.

[0017] In an exemplary embodiment of the present application, the manner in which the sender terminal sends the transfer message is specifically:

[0018] The sender terminal outputs a transfer interface according to a detected amount transfer operation, and detects a transfer information input operation in the transfer interface;

[0019] The sender terminal sends a transfer message corresponding to the transfer information input operation to a receiver terminal, and sends a payment request corresponding to the transfer information input operation to a transferor server, so that the transferor server freezes funds according to the payment request.

[0020] In an exemplary embodiment of the present application, the transfer interface comprises a first sub-page and a second sub-page, and the manner in which the sender terminal detects the transfer information input operation in the transfer interface is specifically:

[0021] The sender terminal detects a payee name input operation in the first sub-page, and detects a transfer amount input operation in the second sub-page.

[0022] In an exemplary embodiment of the present application, after detecting the transfer information input operation in the transfer interface, the apparatus further comprises:

[0023] The sender terminal determines the transfer information corresponding to the transfer information input operation, and uploads the transfer information to the network; wherein the transfer information includes the payee name and the transfer amount.

[0024] In an example embodiment of the present application, the second sub-page includes a confirmation control, and the sender terminal sends the transfer message corresponding to the transfer information input operation to the receiver terminal in the following manner:

[0025] When the sender terminal receives a confirmation operation acting on the confirmation control, the sender terminal outputs a password verification window to perform password correctness verification.

[0026] If the verification result indicates that the input password is correct, the sender terminal generates a transfer message corresponding to the transfer information input operation.

[0027] The sender terminal displays a forwarding control for forwarding the transfer message.

[0028] If a forwarding operation acting on the forwarding control is detected, the sender terminal sends the transfer message to the receiver terminal.

[0029] In an example embodiment of the present application, the sender terminal displays the forwarding control for forwarding the transfer message in the following manner:

[0030] The sender terminal displays a plurality of forwarding controls corresponding to different forwarding paths, and the plurality of forwarding controls are used to forward the transfer message.

[0031] In an example embodiment of the present application, the sender terminal generates a transfer message corresponding to the transfer information input operation, including:

[0032] The sender terminal determines the payee name corresponding to the transfer information input operation, and generates a transfer message according to the payee name, wherein the transfer message includes the transfer content and / or the payee link.

[0033] In an example embodiment of the present application, the interface output unit outputs the display interface, including:

[0034] Detect whether the transfer transaction is closed, and detect whether the time length between the transfer time corresponding to the transfer transaction and the current time is greater than a preset time length;

[0035] If the transfer transaction is not closed and the time length is less than or equal to the preset time length, the transfer message is displayed, and the display interface is output when a detail viewing operation acting on the payee link is received.

[0036] In an example embodiment of the present application, the above-mentioned device further includes a prompt message feedback unit, wherein:

[0037] The prompt message feedback unit is configured to return a prompt message indicating that the transfer transaction has been closed when detecting that the transfer transaction is closed.

[0038] The prompt message feedback unit is further configured to return a prompt message indicating that the collection is timed out when detecting that the time length is greater than the preset time length.

[0039] In an example embodiment of the present application, the interface output unit outputs a display interface upon receiving a detail viewing operation on the collection link, including:

[0040] Upon receiving the detail viewing operation on the collection link, a preset animation interface is displayed;

[0041] A trigger operation is detected in the preset animation interface, and a preset animation is triggered according to the trigger operation;

[0042] Upon detecting that the preset animation is played, the display interface is output.

[0043] In an example embodiment of the present application, the transfer execution unit executes the transfer transaction according to the supplementary information input operation, including:

[0044] The supplementary information corresponding to the supplementary information input operation is determined;

[0045] It is detected whether the payee name in the supplementary information is consistent with the payee name in the transfer information, and whether the payee name in the supplementary information matches the payee account number in the supplementary information;

[0046] If the payee name in the supplementary information is consistent with the payee name in the transfer information, and the payee name in the supplementary information matches the payee account number in the supplementary information, the transfer transaction is executed.

[0047] In an example embodiment of the present application, the transfer execution unit detects whether the payee name in the supplementary information matches the payee account number in the supplementary information, including:

[0048] All preset payee account numbers corresponding to the payee name in the supplementary information are determined;

[0049] If it is detected that the payee account number is included in all preset payee account numbers, it is determined that the payee name in the supplementary information matches the payee account number.

[0050] In an example embodiment of the present application, the device further includes an automatic information perfecting unit, wherein:

[0051] The automatic information perfecting unit is configured to determine the account type corresponding to the payee account number, query the platform name for creating the payee account number, and add the account type and the platform name to the supplementary information.

[0052] In an example embodiment of the present application, the transfer execution unit executes the transfer transaction, including:

[0053] The transfer request corresponding to the supplementary information is sent to the transfer-out server, so that the transfer-out server unfreezes the fund and transfers the fund to the payee account according to the transfer amount.

[0054] According to an aspect of the present application, an electronic device is provided, including: a processor; and a memory for storing executable instructions of the processor; wherein the processor is configured to execute the method of any of the above via executing the executable instructions.

[0055] According to an aspect of the present application, a computer readable storage medium is provided, having stored thereon a computer program, the computer program being executed by a processor to implement the method of any of the above.

[0056] The example embodiments of the present application can have the following partial or all beneficial effects:

[0057] In the transfer transaction processing method provided by the example embodiment of the present application, the payee terminal receives the transfer information corresponding to the transfer transaction, and outputs a display interface; wherein the display interface is used to display the transfer information corresponding to the transfer transaction, and the display interface includes an interactive control for receiving the transfer; when receiving the receiving operation acting on the interactive control, the information input interface is displayed, and the supplementary information input operation for perfecting the transfer information is received in the information input interface; and the transfer transaction is executed according to the supplementary information input operation. According to the above description, the present application executes the transfer transaction according to the supplementary information provided by the payee user (such as the payee selected payee account), improves the participation and perception of the payee user in the transfer process, and thus improves the problem of low degree of freedom of the payee. In another aspect of the present application, the information input by the transferor and the payee respectively is obtained, so that the complete information required for the transfer is obtained, which can reduce the information input amount of the transferor, and thus improve the use experience of the transferor.

[0058] It should be understood that the above general description and the following detailed description are only exemplary and explanatory, and cannot limit the present application. BRIEF DESCRIPTION OF DRAWINGS

[0059] The accompanying drawings, which are incorporated into and form part of the specification, illustrate an embodiment consistent with the present application and, together with the specification, serve to explain the principles of the present application. Obviously, the drawings in the following description are only some embodiments of the present application, and other drawings can be obtained by those skilled in the art without creative labor.

[0060] Figure 1A schematic diagram showing an exemplary system architecture of a transfer transaction processing method and a transfer transaction processing device to which embodiments of the present application can be applied is shown;

[0061] Figure 2 A structural schematic diagram of a computer system of an electronic device suitable for implementing embodiments of the present application is shown;

[0062] Figure 3 A schematic diagram of a transfer transaction execution process in the prior art is shown schematically;

[0063] Figure 4 A schematic diagram of a transfer transaction execution process in the prior art is shown schematically;

[0064] Figure 5 A flowchart of a transfer transaction processing method according to an embodiment of the present application is shown schematically;

[0065] Figure 6 A display interface schematic diagram of a transfer message according to an embodiment of the present application is shown schematically;

[0066] Figure 7 A schematic diagram of a first sub-page according to an embodiment of the present application is shown schematically;

[0067] Figure 8 A schematic diagram of a second sub-page according to an embodiment of the present application is shown schematically;

[0068] Figure 9 A schematic diagram of a password verification window according to an embodiment of the present application is shown schematically;

[0069] Figure 10 A schematic diagram of a display window according to an embodiment of the present application is shown schematically;

[0070] Figure 11 A schematic diagram of a transfer interface showing a plurality of forwarding controls according to an embodiment of the present application is shown schematically;

[0071] Figure 12 A schematic diagram of a preset animation interface according to an embodiment of the present application is shown schematically;

[0072] Figure 13 A schematic diagram of a display interface according to an embodiment of the present application is shown schematically;

[0073] Figure 14 A schematic diagram of an information input interface according to an embodiment of the present application is shown schematically;

[0074] Figure 15 A schematic diagram of a feedback interface according to an embodiment of the present application is shown schematically;

[0075] Figure 16 Fig. 1 schematically illustrates a flowchart of a process of a transfer transaction according to an embodiment of the present application;

[0076] Figure 17 Fig. 2 schematically illustrates a flowchart of a method of processing a transfer transaction according to an embodiment of the present application;

[0077] Figure 18 Fig. 3 schematically illustrates a timing diagram of a method of processing a transfer transaction according to an embodiment of the present application;

[0078] Figure 19 Fig. 4 schematically illustrates a timing diagram of a method of processing a transfer transaction according to an embodiment of the present application;

[0079] Figure 20 Fig. 5 schematically illustrates a flowchart of a method of processing a transfer transaction according to an embodiment of the present application;

[0080] Figure 21 Fig. 6 schematically illustrates a block diagram of a processing device for a transfer transaction according to an embodiment of the present application. DETAILED DESCRIPTION

[0081] Example implementations that relate to a method of processing a transfer transaction will now be described with reference to the following drawings. Before any embodiments of the application are explained in detail, it is to be understood that the application is not limited in its application to any specific examples described herein, which can be implemented in any of numerous ways. Examples of specific implementations are described in detail below to provide a thorough understanding of at least some implementations of the application. However, it will be apparent that the application can be practiced without resorting to the details of these specific implementations. Those skilled in the art will readily recognize from the disclosure herein, that the specific implementations outlined herein are meant to be illustrative only and are not the only way in which the application can be practiced. Accordingly, the scope of the application is to be indicated by the appended claims, rather than the foregoing description, and all changes that come within the meaning and range of equivalents are intended to be embraced therein.

[0082] Furthermore, the drawings are not necessarily drawn to scale. Like numbers refer to like or similar items throughout the drawings. Like numbers also appear in different drawings to indicate like or similar functionality or structure. Some of the blocks in the drawings can be functional blocks that represent functions implemented by a processor, software, or hardware, or a combination thereof. In this regard, the functional blocks can be implemented in software or hardware, or a combination thereof. In some embodiments, the functional blocks can be implemented in one or more hardware modules or integrated circuits.

[0083] Figure 1A schematic diagram of a system architecture showing an exemplary application environment of a transfer transaction processing method and a transfer transaction processing apparatus according to an embodiment of the present application is shown.

[0084] As shown in Figure 1 , the system architecture 100 can include one or more of terminal devices 101, 102, 103, a network 104 and a server 105. The network 104 is a medium to provide communication links between the terminal devices 101, 102, 103 and the server 105. The network 104 can include various connection types, such as wired, wireless communication links or fiber optic cables, etc. The terminal devices 101, 102, 103 can be various electronic devices with display screens, including but not limited to desktop computers, portable computers, smart phones and tablet computers, etc. It should be understood that Figure 1 the number of terminal devices, networks and servers in

[0085] The transfer transaction processing method provided by the embodiments of the present application is generally executed by the terminal device 101, 102 or 103, and correspondingly, the transfer transaction processing apparatus is generally provided in the terminal device 101, 102 or 103. However, it is easily understood by those skilled in the art that the transfer transaction processing method provided by the embodiments of the present application can also be executed by the server 105, and correspondingly, the transfer transaction processing apparatus can also be provided in the server 105, which is not specially limited in the present exemplary embodiment. For example, in an exemplary embodiment, the terminal device 101, 102 or 103 can receive transfer information corresponding to a transfer transaction, output a display interface; and when receiving a receiving operation acting on an interactive control, display an information input interface, and receive a supplementary information input operation for perfecting the transfer information in the information input interface; and execute the transfer transaction according to the supplementary information input operation.

[0086] Figure 2 A structural schematic diagram of a computer system of an electronic device suitable for implementing the embodiments of the present application is shown.

[0087] It should be noted that Figure 2 the computer system 200 of the electronic device shown is only an example, and should not bring any limitation to the functions and use range of the embodiments of the present application.

[0088] As shown in Figure 2As shown, the computer system 200 includes a central processing unit (CPU) 201 which can perform various appropriate actions and processes in accordance with programs stored in a read only memory (ROM) 202 or programs loaded from a storage section 208 into a random access memory (RAM) 203. In the RAM 203, various programs and data required for the operation of the system are also stored. The CPU 201, the ROM 202, and the RAM 203 are connected to each other through a bus 204. An input / output (I / O) interface 205 is also connected to the bus 204.

[0089] Connected to the I / O interface 205 are an input section 206 including a keyboard, a mouse, etc.; an output section 207 including a display such as a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 208 including a hard disk, etc.; and a communication section 209 including a network interface card such as a LAN card, a modem, etc. The communication section 209 performs communication processing via a network such as the Internet. A drive 210 is also connected to the I / O interface 205 as necessary. A removable recording medium 211 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc. is attached to the drive 210 as necessary, so that a computer program read therefrom is installed into the storage section 208 as necessary.

[0090] In particular, according to embodiments of the present application, the processes described below with reference to the flowcharts can be implemented as a computer software program. For example, embodiments of the present application include a computer program product comprising a computer program carried on a computer readable medium, the computer program containing program code for executing the methods illustrated by the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via the communication section 209, and / or installed from the removable recording medium 211. When the computer program is executed by the central processing unit (CPU) 201, various functions defined in the methods and apparatuses of the present application are performed.

[0091] Referring to Figure 3 , Figure 3 A schematic diagram illustrating the process of performing a transfer transaction in the prior art is shown. As Figure 3As shown in the execution process 301, the transferor needs to determine the receiving account of the payee through the social software. Further, in the execution process 302, the transferor transfers money to the payee according to the receiving account. In the execution process 303, the payee can only receive the notification of the arrival of the fund and cannot participate in the transfer process, and thus, the payee has a low perception of the transfer process. In some common cases, the payee does not want to receive the transfer of the transferor, and in the existing transfer mode, the payee can only passively accept the transfer fund, which easily affects the use experience of the payee. In addition, the transferor needs to obtain the receiving account of the payee before transferring money to the payee, which easily affects the convenience of the transfer and also affects the user experience to a certain extent.

[0092] On the basis of Figure 3 , refer to Figure 4 , Figure 4 The schematic diagram of the execution process of the transfer transaction in the prior art is schematically shown. As shown in Figure 4 , the execution process includes steps S410 and S420. In the step S410, the transferor needs to input the transfer information including the name of the payee, the transfer amount, the receiving account, the transfer currency, the transfer reason, the service charge and the supplementary note. Further, in the step S420, the bank server can read the opening information corresponding to the receiving account, assemble the transfer information, perform the anti-money laundering scanning, execute the transfer transaction and send the short message notification to the payee. In this process, the payee can only receive the short message notification after the successful transfer and cannot participate in the transfer process, and the transferor needs to obtain the receiving account from the payee before the transfer, which easily causes a certain degree of difficulty in the online transfer and affects the use experience of the user.

[0093] Based on the above problems, the present example embodiment provides a transfer transaction processing method. The transfer transaction processing method can be applied to the above-mentioned server 105, or can be applied to one or more of the above-mentioned terminal devices 101, 102 and 103, and the present example embodiment does not specially limit this. As shown in Figure 5 , the transfer transaction processing method can include the following steps S510 to S530:

[0094] Step S510: The receiver terminal receives the transfer information corresponding to the transfer transaction, and outputs a display interface; wherein the display interface is used to display the transfer information corresponding to the transfer transaction, and the display interface includes an interactive control for receiving the transfer.

[0095] Step S520: The receiver terminal receives the receiving operation acting on the interactive control, displays an information input interface, and receives the supplementary information input operation for perfecting the transfer information in the information input interface.

[0096] Step S530: The receiver terminal performs the transfer transaction according to the supplementary information input operation.

[0097] It should be noted that the receiver terminal can be a payee terminal, the sender terminal used to initiate the transfer transaction can be a transferor terminal, and the receiver terminal and the sender terminal can be any of the terminal devices 101, 102, and 103 shown. Figure 1

[0098] Implementation Figure 5 The method shown above, by obtaining supplementary information (such as a payee account) from the payee, performing the transfer transaction according to the supplementary information (such as the payee-selected payee account) provided by the payee user, improves the participation and perception of the payee user in the transfer process, thereby improving the problem that the payee's freedom is not high. In addition, by inputting information by the transferor and the payee respectively, the complete transfer information required for the transfer can be obtained, which can reduce the amount of information input by the transferor, thereby improving the use experience of the transferor.

[0099] Next, the above steps of the present example embodiment are described in more detail.

[0100] In step S510, the receiver terminal receives the transfer information corresponding to the transfer transaction and outputs a display interface; wherein the display interface is used to display the transfer information corresponding to the transfer transaction, and the display interface includes an interactive control for receiving the transfer.

[0101] As an optional implementation, before outputting the display interface, the above method further includes: when receiving the transfer message sent by the sender terminal, it is determined that the transfer transaction is detected and the transfer message is displayed.

[0102] Specifically, the transfer message sent by the sender terminal to the receiver terminal can be one or more, and the present application embodiment is not limited. For each transfer message sent by the sender terminal, at least one of the following forms can be included: text, audio, static image, dynamic image, short video, special effect animation, and link. In particular, when there is a link in the transfer message, the output form of the link can be a string address or an image, and the present application embodiment is not limited. Optionally, the display method of the transfer message can be to display the transfer message in the form of a short message.

[0103] ​Additionally, before displaying the transfer message, the above method can further include the following steps: outputting prompt information (e.g., "You have received a transfer, please check in time") and / or prompt audio for indicating that the transfer transaction is detected, to prompt the user to check the transfer message. Further optionally, the display of the transfer message can be in the following manner: when an interaction operation (e.g., a click operation, a touch screen operation, etc.) is received for the prompt information, triggering the application for displaying the transfer message to start and displaying the transfer message through the application; when an interaction operation (e.g., a screen-on operation) is received for the prompt audio within a preset time period after the prompt audio is output, triggering the application for displaying the transfer message to start and displaying the transfer message through the application.

[0104] Additionally, when receiving the transfer message sent by the sender terminal, the above method can further include the following steps: sending a receipt to the sender terminal, to enable the user of the sender terminal to know in time that the transfer message is successfully delivered to the sender terminal. The sending of the receipt to the sender terminal can be in the following manner: sending prompt information to the sender terminal for indicating that the transfer message has been successfully delivered.

[0105] Please refer to Figure 6 , Figure 6 The display interface of the transfer message according to an embodiment of the present application is schematically shown. As shown in Figure 6 , the display interface 600 can include a transfer message 601, a transfer message 602, a text input area 603, and a sending control 604. When the receiver terminal receives the transfer message sent by the sender terminal, it can be determined that a transfer transaction is detected and the transfer message 601 and the transfer message 602 are displayed. It should be noted that the transfer message 601 specifically includes:

ABC

[0106] It can be seen that by implementing the optional embodiment, the transfer of the message to the receiving party user can remind the receiving party user of the transfer, so that the receiving party user can learn of the message of the detected transfer transaction in a timely manner, so as to process the transfer event according to the needs of the receiving party user, thereby improving the use experience of the receiving party user.

[0107] As an optional embodiment, the sending party terminal sends the transfer message in the following manner: the sending party terminal outputs a transfer interface according to the detected amount transfer operation, and detects a transfer information input operation in the transfer interface; the sending party terminal sends a transfer message corresponding to the transfer information input operation to the receiving party terminal, and sends a payment request corresponding to the transfer information input operation to the transfer party server, so that the transfer party server freezes funds according to the payment request.

[0108] Specifically, the amount transfer operation can be an interactive operation for triggering the display of the function of starting the transfer interface; the transfer party server can be a bank server; and the payment request is used to request the transfer party server to freeze part of the funds in the sending party account according to the transfer amount.

[0109] In addition, optionally, before the sending party terminal sends the transfer message corresponding to the transfer information input operation to the receiving party terminal, the above method can further include the following step: the sending party terminal generates a transfer message according to the transfer information corresponding to the transfer information input operation.

[0110] In addition, optionally, the sending party terminal can send the transfer message corresponding to the transfer information input operation to the receiving party terminal in the following manner: the sending party terminal determines all receiving party terminals to be received the message, and sends the transfer message to all receiving party terminals respectively; wherein the receiving party terminal can be one or more. When there are multiple receiving party terminals, on the one hand, the multiple receiving party terminals can correspond to the same receiving party user, that is, when the receiving party user holds multiple terminal devices, the sending party can send the transfer message to the multiple terminal devices at the same time, so as to improve the probability that the receiving party user can learn of the transfer message in a timely manner, thereby improving the use experience of the user. On the other hand, the multiple receiving party terminals can also correspond to different receiving party users, that is, the sending party can simultaneously transfer to multiple receiving party users, so that the sending party user only needs to fill in the transfer information once to transfer to multiple users, thereby improving the use experience of the sending party user.

[0111] Additionally, the optional manner in which the transfer-out server freezes funds according to the payment request can be as follows: after the transfer-out server receives the payment request, the transfer-out server creates an order corresponding to the payment request, the current state of the order is to be submitted, and the transfer-out server freezes funds corresponding to the transfer amount in the sender account according to the order; if the freezing is successful, the transfer-out server updates the current state of the order to be collected and feeds back positively to the sender terminal; if the freezing fails, the transfer-out server updates the current state of the order to be submitted. In addition, the transfer-out server can also monitor the submission time limit of the order through a timeout timer after freezing funds according to the payment request. Further, the transfer-out server can also obtain the balance of the sender account before creating the order corresponding to the payment request. If it is detected that the transfer amount in the transfer information is less than or equal to the balance of the sender account, the transfer-out server creates the order corresponding to the payment request. If it is detected that the transfer amount in the transfer information is greater than the balance of the sender account, the transfer-out server returns a prompt message indicating that the balance is insufficient. Further, the transfer-out server can also detect whether the remaining freezeable limit is greater than the transfer amount in the transfer information before freezing funds corresponding to the transfer amount in the sender account according to the order. If it is greater, the transfer-out server freezes funds corresponding to the transfer amount in the sender account according to the order. If it is less than or equal to, the transfer-out server returns a prompt message indicating that the transfer limit is insufficient.

[0112] As can be seen, by implementing the optional embodiment, the transfer-out server can freeze the transfer amount in the balance, so that the receiver user can correctly fill in the supplementary information and transfer the amount to the receiver terminal according to the transfer amount.

[0113] As an optional embodiment, the transfer interface includes a first sub-page and a second sub-page, and the sender terminal detects the transfer information input operation in the transfer interface in the following manner: the sender terminal detects a payee name input operation in the first sub-page and detects a transfer amount input operation in the second sub-page.

[0114] Specifically, the payee name input operation can be an information input operation for inputting the payee name in the first sub-page, such as "Zhang San". The transfer amount input operation is also an information input operation for inputting the transfer amount in the first sub-page, such as 500. The information input operation can specifically include a text input operation, a voice input operation, or a gesture input operation, and the embodiments of the present application are not limited thereto.

[0115] In addition, the payee name input operation can be a selection operation. The sender terminal can detect the payee name input operation in the first sub-page in the following manner. The sender terminal can obtain the transfer record of the user within a unit time (e.g., a week), sort the payee names in the transfer record according to the transfer frequency from high to low, and display the sorting result in the first sub-page for the user to select. When the selection operation is received, the payee name corresponding to the selection operation is determined as the transfer information corresponding to the current transfer.

[0116] In addition, after the sender terminal detects the payee name input operation in the first sub-page, the above method can further include the following steps. It is detected whether the payee name corresponding to the payee name input operation belongs to a preset list. If not, a failure feedback is performed. If yes, the above detection of the transfer amount input operation in the second sub-page is performed. The preset list can be a list of users who can perform the transfer, e.g., users who have corresponding accounts in the transfer-out server.

[0117] In addition, the sender terminal can detect the transfer amount input operation in the second sub-page in the following manner. The sender terminal detects the transfer amount corresponding to the transfer amount input operation in the second sub-page as the transfer information. The sender terminal detects the currency selection operation in the second sub-page to determine the currency corresponding to the transfer amount. The sender terminal detects the payment account selection operation in the second sub-page to determine the account to be debited. It should be noted that the payment account corresponding to the sender terminal can be one or more, which is not limited in the embodiments of the present application.

[0118] Please refer to Figure 7 , Figure 7 The schematic diagram of the first sub-page according to an embodiment of the present application is shown schematically. As shown in Figure 7 , the transfer interface 700 can include the first sub-page 710. In the first sub-page 710, the prompt information display area 711, the payee name input area 712, and the example display area 713 can be included. The prompt information display area 711 is used to display prompt information (e.g., please input the real name of the payee) to prompt the user to input the real payee name in the payee name input area 712 according to the payee name example (e.g., Zhang San) displayed in the example display area 713. This can improve the friendliness of the application and improve the user experience. After the user inputs the payee name in the payee name input area 712, the page jump control 714 can be clicked / touched to jump from the first sub-page 710 to the second sub-page.

[0119] On the basis of Figure 7 , please refer to Figure 8 ,Figure 8 A schematic diagram of a second subpage according to one embodiment of this application is shown. Figure 8 As shown, the transfer interface 800 may include a second subpage 810, which includes: a currency selection area 811, a transfer amount input area 812, a message input area 813, an account selection area 814, a confirmation message 815, and a confirmation control 816. Specifically, after navigating from the first subpage to the second subpage 810, the currency selection area 811 displays one or more currency options to the user, allowing them to select the currency for the transfer. Furthermore, the user can enter the transfer amount in the transfer amount input area 812, enter text information in the message input area 813 as a transfer description, and select the debit account in the account selection area 814. Then, a confirmation message 815 (e.g., payment of HKD 500.00) can be generated based on the information corresponding to the currency selection area 811 and the transfer amount input area 812, allowing the user to confirm again. Furthermore, upon receiving a confirmation operation applied to the confirmation control 816, the following password verification window can be executed to verify the password's correctness; wherein, the confirmation control 816 in Figure 8 The text displays "Transfer Out".

[0120] As can be seen, by implementing this optional implementation method, the required transfer information can be obtained by detecting user operations. Compared with the existing technology, which requires information such as account, name, and platform name, this application only requires the recipient's name and the transfer amount, which can simplify the transferor's operation, lower the transfer threshold, and improve the transferor's user experience.

[0121] As an optional implementation, after detecting the transfer information input operation in the transfer interface, the above method further includes: the sending terminal determining the transfer information corresponding to the transfer information input operation and uploading the transfer information to the network; wherein, the transfer information includes the recipient's name and the transfer amount.

[0122] Specifically, the transfer information may also include the deduction account, the currency of the transfer, etc., which are not limited in this embodiment. Additionally, this embodiment supports recipient names in various languages ​​such as Chinese, English, or German.

[0123] In addition, the sending terminal can upload the transfer information to a server corresponding to the social network, where the server can be a physical server, a server cluster or a distributed system formed by multiple physical servers, a cloud server providing basic cloud computing services such as cloud service, cloud database, cloud computing, cloud function, cloud storage, network service, cloud communication, middleware service, domain name service, security service, CDN, and big data and artificial intelligence platform, etc. The sending terminal can be a smart phone, a tablet computer, a notebook computer, a desktop computer, a smart speaker, a smart watch, etc., but is not limited thereto. The sending terminal and the server can be directly or indirectly connected through wired or wireless communication, which is not limited in the present application.

[0124] It can be seen that by implementing the optional embodiment, the transfer information can be uploaded to the network, so that the receiving user can obtain the transfer information when the receiving user is in the same network.

[0125] As an optional embodiment, the second sub-page includes a confirmation control, and the sending terminal sends the transfer message corresponding to the transfer information input operation to the receiving terminal in the following manner: when the sending terminal receives a confirmation operation acting on the confirmation control, the sending terminal outputs a password verification window to verify the correctness of the password; if the verification result indicates that the input password is correct, the sending terminal generates a transfer message corresponding to the transfer information input operation; the sending terminal displays a forwarding control for forwarding the transfer message; and if a forwarding operation acting on the forwarding control is detected, the sending terminal sends the transfer message to the receiving terminal.

[0126] Specifically, the confirmation operation can be a click operation, a touch operation or a voice input operation, etc., which is not limited in the present application.

[0127] In addition, the sending terminal can output the password verification window to verify the correctness of the password in the following manner: the sending terminal outputs the password verification window in the transfer interface, and verifies the password input operation in the password verification window, and verifies the correctness of the input password according to the password input operation; where the size of the password verification window can be less than or equal to the size of the transfer interface, the password verification window can be a pop-up window, the size of the password verification window can be customized, the password verification window can be at any position, default position or customized position in the transfer interface, which is not limited in the present application. Further, the sending terminal can verify the correctness of the input password according to the password input operation in the following manner: determining a preset password, matching the input password with the preset password, and if the matching degree is not less than a preset threshold (such as 100%), it is determined that the input password is correct.

[0128] Please refer to Figure 9 ,Figure 9 A schematic diagram of the password verification window is shown according to an embodiment of the present application. The password verification window 910 is shown as an example, which is smaller than the transfer interface 900. The password verification window 910 includes a window closing control 911, a sender avatar 912, a receiver avatar 913, a transfer amount, a transfer currency, a password input area 914, a virtual keyboard display area 915, and a cancel control 916. Specifically, when the sender terminal detects a confirmation operation on the confirmation control 816, the password verification window 910 is popped up. The user can confirm whether to transfer "HKD500.00" from "Zhang San" to "Li Si" according to the sender avatar 912, the receiver avatar 913, the transfer amount, and the transfer currency displayed in the password verification window 910. After confirmation, the user can input a password in the password input area 914 through an interactive operation with the virtual keyboard displayed in the virtual keyboard display area 915. The number of password digits in the password input area 914 can be at least two, which is not limited in the embodiment of the present application. The positions of the numbers in the virtual keyboard display area 915 are shown as an example, which can improve the security of password input by preventing others from peeping at the sender user when inputting the password by memorizing the positions of the numbers in the virtual keyboard display area 915. In addition, when the user makes an input error during password input, the sender user can cancel one or more input passwords in the password input area 914 through an interactive operation on the cancel control 916, so that the sender user can input the password again, thereby improving the user experience. Figure 8 Figure 9

[0129] It can be seen that the optional embodiment can respond to the transfer request of the sender terminal after password verification, thereby improving the security of the transfer transaction.

[0130] As an optional embodiment, the sender terminal generates a transfer message corresponding to the transfer information input operation, including: the sender terminal determines the transfer person's name corresponding to the transfer information input operation, and generates a transfer message according to the transfer person's name. The transfer message includes transfer content and / or a payment link.

[0131] Specifically, the transfer content can be text content, and the transfer message can further include voice, pictures, etc., which are not limited in the embodiment of the present application.

[0132] ​​In addition, optionally, the sender terminal can generate the transfer message according to the name of the transferor in the following manner: the sender terminal replaces the name input part in the transfer message template with the name of the transferor. For example, the transfer message template is "You have received a transfer of XXX", and the name of the transferor is "Zhang San". Then, the sender terminal can replace "XXX" in "You have received a transfer of XXX" with "Zhang San", thereby generating the transfer message "You have received a transfer of Zhang San".

[0133] It can be seen that, by implementing the optional embodiment, the transfer message can be generated, which can remind the receiver user, so that the receiver user can view the transfer in time, thereby improving the use experience of the receiver user.

[0134] As an optional embodiment, the sender terminal displays the forwarding control for forwarding the transfer message in the following manner: the sender terminal displays a plurality of forwarding controls corresponding to different forwarding paths, and the plurality of forwarding controls are used for forwarding the transfer message.

[0135] Specifically, the forwarding control is an interactive control. The plurality of forwarding controls corresponding to different forwarding paths can be represented by different identifiers, and the different forwarding paths can correspond to different application programs.

[0136] In addition, optionally, before the sender terminal displays the plurality of forwarding controls corresponding to different forwarding paths, the above method can further include: the sender terminal outputs a display window for indicating that the payment is successful; wherein the display window can display the transfer information, the transfer time, etc., and the embodiments of the present application are not limited thereto. Please refer to Figure 10 , Figure 10 The schematic diagram of the display window according to an embodiment of the present application is schematically shown. As shown in Figure 10 If the verification result indicates that the input password is correct, the sender terminal can output a display window 1010 for indicating that the payment is successful in the transfer interface 1000, and the display window 1010 includes the payment time 1011, i.e., XXXX-XX-XXXX:XX:XX (for example, 2010-02-02 12:00:00). The display window 1010 also includes the transfer information 1012, i.e., transfer HKD500.00 to Li Si. In addition, the transfer interface 1000 can also include a sharing control 1020 for sharing the transfer message with the receiver user, and when the user operation acting on the sharing control 1020 is received, the plurality of forwarding controls corresponding to different forwarding paths can be displayed.

[0137] On the basis of Figure 10 , please refer to Figure 11 , Figure 11Fig. 11 shows a schematic view of a transfer interface according to an embodiment of the present application, which displays a plurality of forwarding controls. When receiving a user operation acting on the sharing control 1020, a plurality of forwarding controls corresponding to different paths, i.e., 1 control 1121, 2 control 1122,..., n control 1123, can be displayed in the forwarding control display area 1120 of the transfer interface 1100 for the user to select from; wherein n is a positive integer greater than or equal to 3. In addition, the transfer interface 1100 also includes a display window 1110 for indicating payment success, wherein the display window 1110 displays the payment time 1111 and the transfer information 1112. In addition, the transfer interface 1100 also includes a cancel control 1130, and when receiving a user operation acting on the cancel control 1130, the forwarding control display area 1120 can be hidden.

[0138] In addition, optionally, if a forwarding operation acting on the forwarding control is detected, the sender terminal can send the transfer message to the receiver terminal in the following manner: the sender terminal determines the target forwarding control selected by the user from the plurality of forwarding controls according to the user selection operation, and forwards the transfer message through the path corresponding to the target forwarding control; wherein the target forwarding control can be one or more, that is, the sender user can select multiple forwarding controls at the same time, i.e., forwarding the transfer message through multiple application programs, so as to improve the probability that the receiver user learns about the forwarding message in a timely manner.

[0139] It can be seen that by implementing the optional embodiment, a plurality of sharing paths can be provided, so that the user can select the corresponding control according to the needs to share the transfer message, thereby facilitating the improvement of the user's use experience.

[0140] As an optional embodiment, the output display interface includes: detecting whether the transfer transaction is closed, and detecting whether the time length between the transfer time corresponding to the transfer transaction and the current time is greater than a preset time length; if the transfer transaction is not closed and the time length is less than or equal to the preset time length, the transfer message is displayed, and the display interface is output when receiving a detail viewing operation acting on the collection link.

[0141] Specifically, the preset time length is used to limit the transfer time limit, such as 24 hours. The detail viewing operation acting on the collection link can be a click operation, a touch operation, a voice control operation, etc., which is not limited by the embodiments of the present application.

[0142] Additionally, the manner of detecting whether the transfer transaction is closed can be specifically: if a user operation acting on the cancel transfer control is detected, it is determined that the transfer transaction is closed. Additionally, the manner of detecting whether the time length between the transfer time corresponding to the transfer transaction and the current time is greater than the preset time length can be specifically: the transfer time (e.g., 2010-02-02 12:00:00) corresponding to the transfer transaction and the current time (e.g., 2010-02-02 13:00:00) are determined, the time difference between the transfer time and the current time (e.g., 1 hour) is calculated, and then it can be determined whether the time difference is greater than the preset time length (e.g., 24 hours).

[0143] Additionally, the method can further include the following steps: detecting whether the deduction account is in the blacklist, and if not, executing the display of the transfer message.

[0144] Further, the method further includes: if it is detected that the transfer transaction is closed, returning a prompt message indicating that the transfer transaction has been closed; and if it is detected that the time length is greater than the preset time length, returning a prompt message indicating that the collection is overdue.

[0145] Specifically, the prompt message indicating that the transfer transaction has been closed can be "the transfer has been canceled by Zhang San", and the prompt message indicating that the collection is overdue can be "the transfer has been invalidated".

[0146] It can be seen that by implementing the optional embodiment, the transfer message can be displayed while ensuring the validity of the order, thereby reducing the risk of malicious tampering of the order.

[0147] As an optional embodiment, the output of the display interface upon receiving the detail viewing operation acting on the collection link includes: displaying a preset animation interface upon receiving the detail viewing operation acting on the collection link; detecting a trigger operation in the preset animation interface, and triggering the preset animation to play according to the trigger operation; and outputting the display interface upon detecting that the preset animation has played to completion.

[0148] Specifically, the detail viewing operation can be an operation of clicking the collection link, an operation of touching the collection link, and the like, which are not limited by the embodiments of the present application. The preset animation interface is used to play the preset animation. Additionally, the manner of outputting the display interface upon detecting that the preset animation has played to completion can be specifically: downloading the transfer information from the corresponding network (e.g., a social network) and outputting the display interface according to the transfer information upon detecting that the preset animation has played to completion.

[0149] Please refer to Figure 12 , Figure 12 The preset animation interface is schematically shown according to an embodiment of the present application. Specifically, when the detail viewing operation acting on the collection link in the Figure 6 is received, aFigure 12 The preset animation interface 1200 can include transfer details 1201, which can include a sender avatar, a sender name, and information for indicating a reason (i.e., a certain amount of money is transferred to you). The preset animation interface 1200 can also include a preset animation cover in the form of an envelope 1202 and an envelope opening control 1203. When a triggering operation on the envelope opening control 1203 is detected in the preset animation interface 1200, the preset animation can be triggered to play.

[0150] On the basis of Figure 12 , refer to Figure 13 , Figure 13 The display interface 1300 is schematically shown according to an embodiment of the present application. After detecting that the preset animation is played, the display interface 1300 can be output. In the display interface 1300, transfer information 1301 and an interactive control 1302 indicating "confirm receipt" can be included. The transfer information 1301 includes a transferor name (i.e., a sender name), a part of a payee name (i.e., a part of a receiver name), a transfer amount, a transfer currency, a fund flow direction, a transfer time XXXX-XX-XX XX:XX:XX, and prompt information for prompting the receiver user to input a name (i.e., a same-name payee account is to be filled in). In addition, it should be noted that Figure 13 The transfer information 1301 in is only schematically shown. In actual implementation, the transfer information 1301 can not include the payee name. When a receiving operation on the interactive control 1302 is received, an information input interface can be displayed.

[0151] It can be seen that by implementing the optional embodiment, the transfer information can be gradually displayed to the user in the form of playing an animation, which increases the interest and thus is beneficial to improving the use experience of the receiver user.

[0152] In step S520, the receiver terminal receives a receiving operation on the interactive control, displays an information input interface, and receives a supplementary information input operation for perfecting the transfer information in the information input interface.

[0153] Specifically, the receiving operation can be a click operation or a touch operation, and the supplementary information input operation can be a keying operation or a voice input operation.

[0154] Refer to Figure 14 , Figure 14 The information input interface is schematically shown according to an embodiment of the present application. As Figure 14As shown, the information input interface 1400 can be displayed upon receiving a receiving operation on the interactive control, and the information input interface 1400 can include a part of the name of the payee (i.e., Li in Li Si, and the number four in Li Si is replaced by *), prompt information for prompting the receiving user to input the name (i.e., fill in the same name of the payee account), a first input area 1401 for inputting the name of the payee (e.g., Li Si), a second input area 1402 for inputting the account type (e.g., bank account), a third input area 1403 for inputting the bank account number, a fourth input area 1404 for inputting the bank name, and a confirmation control 1405. The receiving terminal can detect a supplementary information input operation in the first input area 1401, the second input area 1402, the third input area 1403, and the fourth input area 1404.

[0155] In step S530, the receiving terminal performs the transfer transaction according to the supplementary information input operation.

[0156] Specifically, before performing the transfer transaction according to the supplementary information input operation, the above method can further include the following steps: performing face detection through the front camera, if a face is detected within the shooting range, performing face recognition to determine the legality of the user according to the face features, if the user is a legal user, triggering the performance of the above-mentioned transfer transaction according to the supplementary information input operation.

[0157] As an optional implementation, performing the transfer transaction according to the supplementary information input operation includes: determining the supplementary information corresponding to the supplementary information input operation; detecting whether the name of the payee in the supplementary information is consistent with the name of the payee in the transfer information, and whether the name of the payee in the supplementary information matches the payee account in the supplementary information; if the name of the payee in the supplementary information is consistent with the name of the payee in the transfer information and the name of the payee in the supplementary information matches the payee account in the supplementary information, performing the transfer transaction.

[0158] Specifically, the supplementary information can include the name of the payee, the account number, the account type, the name of the account registration platform, etc., which are not limited by the embodiments of the present application. If the name of the payee in the supplementary information is inconsistent with the name of the payee in the transfer information or the name of the payee in the supplementary information does not match the payee account in the supplementary information, the process is ended.

[0159] In addition, optionally, after detecting that the name of the payee in the supplementary information is consistent with the name of the payee in the transfer information and the name of the payee in the supplementary information matches the payee account in the supplementary information, the above method can further include: determining whether the user matches the name of the payee according to the face recognition result, and if so, performing the transfer transaction.

[0160] It can be seen that, by implementing the optional embodiment, the execution of the transfer transaction can be supplemented by the information of the receiving user, thereby improving the participation of the receiving user in the transfer process, improving the perception of the receiving user to the receiving behavior, and improving the use experience of the receiving user. In addition, the receiving user can also determine the flow direction of the transferred funds by filling in the receiving account number independently, thereby improving the interactivity and improving the use experience of the receiving user.

[0161] As an optional embodiment, the detection of whether the name of the payee in the supplementary information matches the receiving account number in the supplementary information comprises: determining all preset receiving account numbers corresponding to the name of the payee in the supplementary information; and if it is detected that all preset receiving account numbers include the receiving account number in the supplementary information, it is determined that the name of the payee in the supplementary information matches the receiving account number.

[0162] Specifically, the preset receiving account number can be one or more, that is, one name of a payee can correspond to multiple receiving account numbers in one bank, and one name of a payee can also correspond to receiving account numbers of multiple banks. In addition, the preset receiving account number can not only be a bank account number, but also a social platform account number, which is not limited by the embodiments of the present application.

[0163] In addition, optionally, the determination of whether the name of the payee in the supplementary information matches the receiving account number comprises: comparing the receiving account number in the supplementary information with the preset receiving account number, and if the receiving account number in the supplementary information is consistent with the preset receiving account number, it is determined that the name of the payee in the supplementary information matches the receiving account number.

[0164] It can be seen that, by implementing the optional embodiment, the receiving account number input by the user can be verified, and then the transfer transaction can be executed after the verification is successful, thereby improving the security of the transfer transaction.

[0165] As an optional embodiment, the above method further comprises: determining the account type corresponding to the receiving account number; querying the platform name for creating the receiving account number; and adding the account type and the platform name to the supplementary information.

[0166] Specifically, the account type can include an application account, a bank account, etc., and the platform name can be an application name, a bank name, etc.

[0167] In addition, optionally, the manner of determining the account type corresponding to the receiving account number can be: determining the character combination mode corresponding to the receiving account number to determine the account type. Then, the platform name (such as a social application name, a bank name, etc.) for creating the receiving account number is queried to automatically complete the supplementary information, so as to realize the automatic filling of the account type and the platform name, thereby improving the use experience of the user.

[0168] As an optional implementation, the executing the transfer transaction comprises: sending, to the transfer-out server, a transfer request corresponding to the supplementary information, so that the transfer-out server unfreezes the fund and transfers the fund to the transfer-in account according to the transfer amount.

[0169] Optionally, the sending, to the transfer-out server, the transfer request corresponding to the supplementary information can be implemented by: generating the transfer request according to the transfer-in account in the supplementary information and the transfer-in name and the transfer amount in the transfer information, and sending the transfer request to the transfer-out server (e.g., a bank server).

[0170] In addition, the unfreezing, by the transfer-out server, of the fund and the transferring, by the transfer-out server, of the fund to the transfer-in account according to the transfer amount can be implemented by: unfreezing, by the transfer-out server, the frozen fund corresponding to the transfer amount in the transfer-out account, and transferring the fund to the transfer-in account.

[0171] Referring to Figure 15 , Figure 15 Fig. 15 shows a feedback interface according to an embodiment of the present application. Figure 15 As shown in Fig. 15, after the unfreezing, by the transfer-out server, of the fund and the transferring, by the transfer-out server, of the fund to the transfer-in account according to the transfer amount, a feedback interface 1500 indicating the success of the transfer can be output, and the feedback interface 1500 shows the details of the transfer, e.g., the transfer of HKD500.00 from Zhang San to Li Si, so that the user can be informed of the success of the transfer in time.

[0172] It can be seen that, by implementing the optional implementation, the transfer transaction can be completed through the cooperation between the transferor and the transfer-in, so that the perception of the transfer-in in the transfer process can be improved.

[0173] Referring to Figure 16 , Figure 16 Fig. 16 shows a transfer transaction execution process according to an embodiment of the present application. Figure 16 As shown in Fig. 16, in the execution process 1601, the transferor only needs to input the transfer-in name and the transfer amount to transfer money to the transfer-in, which can simplify the transfer steps compared with the method in the prior art which needs to obtain the transfer-in account. Then, the transferor corresponding to the transfer-out terminal can generate a corresponding transfer link and transmit the transfer link to the transfer-in after detecting and confirming the transfer-in name and the transfer amount input by the transferor. In the execution process 1602, the transfer-in can supplement the transfer-in account in the transfer link, so as to complete the transfer. Compared with the method in the prior art which only informs the transfer-in of the transfer message, the participation of the transfer-in in the transfer process can be improved, the perception of the transfer-in in the transfer process can be improved, and thus the use experience can be improved.

[0174] Referring to Figure 17 , Figure 17A flow chart of a transfer transaction processing method according to an embodiment of the present application is shown schematically. As shown in Figure 17 the transfer transaction processing method comprises steps S1710-S1730, in which: in step S1710, the transferor only needs to input transfer information including the payee's name, the transfer amount, the transfer currency, the transfer reason, the service charge and the additional remarks. In step S1720, the payee's account number is input by the payee. Further, in step S1730, the bank server can read the opening information corresponding to the payee's account number, assemble the transfer information, perform anti-money laundering scanning, execute the transfer transaction and send a short message notification to the payee. It can be seen that this can solve the problem that the payee has a low degree of awareness of the transfer process, and the problem that the transferor can only perform the transfer after learning the payee's account number from the payee, thereby reducing the difficulty of transfer and improving the use experience of the transferor and the payee.

[0175] Please refer to Figure 18 , Figure 18 A timing diagram of a transfer transaction processing method according to an embodiment of the present application is shown schematically. As shown in Figure 18 the timing diagram comprises steps S1800-S1818, in which:

[0176] Step S1800: the sender terminal transmits the detected transfer information to the transfer-out server; wherein the transfer information includes the payee's name and the transfer amount, so that the transfer-out server freezes the funds in the sender's account according to the transfer information.

[0177] Step S1802: the sender terminal generates a transfer message according to the transfer information, and shares the transfer information and the transfer message on the social network; wherein the transfer message includes a transfer link.

[0178] Step S1804: the receiver terminal can obtain the transfer information and the transfer message on the social network, and perfect the transfer message through the transfer link in the transfer message. The perfected transfer message further includes the payee's account number.

[0179] Step S1806: the transfer-out server can obtain the perfected transfer message on the social network.

[0180] Step S1808: the transfer-out server can perform the transfer to the transfer-in server according to the perfected transfer message; wherein the transfer-in server can be a bank server corresponding to the payee's account number.

[0181] Step S1810: the transfer-in server can feed back touch information to the receiver terminal after receiving the transfer, so that the payee can learn the message that the transfer has been completed in time.

[0182] Step S1812: The sending server checks whether the time between the transfer time corresponding to the transfer transaction and the current time is greater than the preset time. If the transfer transaction is not closed and the time is less than or equal to the preset time, then step S1816 is executed. If the time is detected to be greater than the preset time, then step S1814 is executed.

[0183] Step S1814: The transferring server unfreezes the funds.

[0184] Step S1816: The sending server can detect whether the transfer transaction is closed. If it is closed, proceed to step S1818; if it is not closed, proceed to step S1808.

[0185] Step S1818: The transferring server unfreezes the funds.

[0186] It is evident that implementation Figure 18 The method described above improves the recipient's participation and awareness in the transfer process by obtaining supplementary information (e.g., recipient's account) from the recipient and executing the transfer transaction based on this supplementary information (e.g., the recipient's chosen account). This addresses the issue of limited freedom in receiving payments. Furthermore, by obtaining complete transfer information through separate inputs from both the sender and recipient, the amount of information required for the transfer is reduced, thus improving the sender's user experience.

[0187] Please see Figure 19 , Figure 19 A timing diagram illustrating a transfer transaction processing method according to one embodiment of this application is shown schematically. Figure 19 As shown, the sequence diagram includes: users (e.g., transferors, recipients), the sending server, and account funds. The transfer process includes steps S1900 to S1914, and the receiving process includes steps S1920 to S1930.

[0188] Specifically, in step S1900, the sender terminal can detect the payee name and the transfer amount input by the transferor. When the sender terminal detects the payee name and the transfer amount, it can generate a transfer message according to the transfer amount and perform step S1914 to send the transfer message to the receiver and forward it to the transfer-out server, so that the transfer-out server performs step S1902 to create an order representing this transfer transaction. Further, the transfer-out server can trigger the execution of step S1904 to freeze the funds of the transfer amount in the account according to the order. In addition, when the funds of the transfer amount are successfully frozen, step S1906 is performed to update the order status to be collected. If the funds of the transfer amount are frozen unsuccessfully, step S1906 is performed to update the order status to be submitted. After the order is created, the transfer-out server can perform step S1912 to detect whether the time length between the transfer time corresponding to the transfer transaction and the current time is greater than the preset time length. When the time length is greater than the preset time length, step S1910 is performed to unfreeze the funds of the account.

[0189] Further, when the receiver terminal receives the transfer message and receives the detail viewing operation acting on the collection link, the output information input interface is displayed and step S1920 is performed to detect the payee name and the collection account number input by the payee and detect the consistency between the payee name input by the payee and the payee name input by the transferor. Further, if the payee name input by the payee is consistent with the payee name input by the transferor, the payee name and the collection account number input by the payee are transmitted to the transfer-out server, so that the transfer-out server performs information verification on the payee name and the collection account number input by the payee in step S1922. If the transferor's account balance in a unit time (e.g., 24 hours) is greater than the transfer amount (e.g., 500), i.e., the limit transfer is met, step S1924 is performed to update the order status to be successful, and step S1926 is performed to feedback the deduction to the receiver terminal; if the limit transfer is not met, step S1928 is performed to update the order status to be failed, and step S1930 is performed to feedback the deduction failure to the receiver terminal.

[0190] In addition, when the sender terminal detects the transfer information modification operation, it can be fed back to the transfer-out server, so that the transfer-out server modifies the order before the receiver terminal detects the information input operation, and feeds back the order modification result (e.g., modification success or modification failure). In addition, when the sender terminal detects the cancellation of the transfer, it can be fed back to the transfer-out server, so that the transfer-out server deletes the order and unfreezes the funds in the transferor's account before the receiver terminal detects the information input operation.

[0191] Please refer toFigure 20 , Figure 20 A flowchart of a transfer transaction processing method according to an embodiment of the present application is shown schematically. As shown in Figure 20 , the transfer transaction processing method comprises steps S2000-S2020, in which:

[0192] Step S2000: The sender terminal outputs a transfer interface according to a detected money transfer operation, and detects a payee name input operation in a first sub-page and a transfer amount input operation in a second sub-page.

[0193] Step S2002: The sender terminal outputs a password verification window to perform password correctness verification upon receiving a confirmation operation acting on a confirmation control, and generates a transfer message corresponding to the transfer information input operation if the verification result indicates that the input password is correct.

[0194] Step S2004: The sender terminal displays a plurality of forwarding controls corresponding to different forwarding paths, and each of the plurality of forwarding controls is used to forward the transfer message, and the sender terminal sends the transfer message to the receiver terminal upon detecting a forwarding operation acting on the forwarding control.

[0195] Step S2006: The sender terminal sends a payment request corresponding to the transfer information input operation to the transfer-out server, so that the transfer-out server freezes funds according to the payment request.

[0196] Step S2008: The receiver terminal detects whether the transfer transaction is closed and whether the duration between the transfer time corresponding to the transfer transaction and the current time is greater than a preset duration; if the transfer transaction is not closed and the duration is less than or equal to the preset duration, step S2010 is performed; if the transfer transaction is closed, step S2012 is performed; if the duration is greater than the preset duration, step S2014 is performed.

[0197] Step S2010: The receiver terminal displays the transfer message and outputs a display interface upon receiving a detail viewing operation acting on the payee link; wherein the display interface is used to display the transfer information corresponding to the transfer transaction, and the display interface includes an interactive control for receiving the transfer.

[0198] Step S2012: The receiver terminal returns a prompt message indicating that the transfer transaction has been closed and ends the flow.

[0199] Step S2014: The receiver terminal returns a prompt message indicating that the collection is overdue and ends the flow.

[0200] Step S2016: The receiver terminal displays an information input interface when receiving a receiving operation acting on the interactive control, and receives a supplementary information input operation for perfecting the transfer information in the information input interface.

[0201] Step S2018: The receiver terminal detects whether the payee name in the supplementary information is consistent with the payee name in the transfer information, and whether the payee name in the supplementary information matches the payee account number in the supplementary information; if the payee name in the supplementary information is consistent with the payee name in the transfer information and the payee name in the supplementary information matches the payee account number in the supplementary information, step S2020 is executed; if the payee name in the supplementary information is inconsistent with the payee name in the transfer information or the payee name in the supplementary information does not match the payee account number in the supplementary information, the process ends.

[0202] Step S2020: The receiver terminal sends a transfer request corresponding to the supplementary information to the transferor server, so that the transferor server unfreezes the funds and transfers the funds to the payee account according to the transfer amount.

[0203] It should be noted that steps S2000-S2020 correspond to each step and its embodiments shown in Figure 5 For specific embodiments of steps S2000-S2020, please refer to each step and its embodiments shown in Figure 5 This will not be described here again.

[0204] It can be seen that by implementing the method shown in Figure 20 , the supplementary information (such as the payee account) is obtained from the payee, the transfer transaction is performed according to the supplementary information (such as the payee-selected payee account) provided by the payee user, the participation and perception of the payee user in the transfer process are improved, and thus the problem of low payee freedom is improved. In addition, by inputting information by the transferor and the payee respectively, complete transfer information is obtained, which can reduce the amount of information input by the transferor and thus improve the use experience of the transferor.

[0205] Further, in the example embodiment, a transfer transaction processing apparatus is also provided. Referring to Figure 21 , the transfer transaction processing apparatus 2100 can include an interface output unit 2101, an interface display unit 2102, an operation detection unit 2103, and a transfer execution unit 2104, wherein:

[0206] The interface output unit 2101 is configured to receive transfer information corresponding to a transfer transaction and output a display interface; wherein the display interface is configured to display the transfer information corresponding to the transfer transaction, and the display interface includes an interactive control for receiving a transfer operation;

[0207] The interface display unit 2102 is configured to receive a receiving operation acting on the interactive control and display an information input interface.

[0208] The operation detection unit 2103 is used to receive supplementary information input operations for improving transfer information in the information input interface;

[0209] The transfer execution unit 2104 is used to execute transfer transactions based on the supplementary information input.

[0210] It is evident that implementation Figure 21 The device shown enhances the recipient's participation and awareness in the transfer process by obtaining supplementary information (e.g., recipient's account) from the recipient and executing the transfer transaction based on this supplementary information (e.g., the recipient's chosen account). This addresses the issue of limited freedom in receiving payments. Furthermore, by obtaining complete transfer information through separate inputs from both the sender and recipient, the device reduces the amount of information required from the sender, thus improving their user experience.

[0211] In one exemplary embodiment of this application, the above-described apparatus further includes a message display unit (not shown), wherein:

[0212] The message display unit is used to determine that a transfer transaction has been detected and to display the transfer message when a transfer message sent by the sending terminal is received, before the interface output unit 2101 outputs the display interface.

[0213] As can be seen, implementing this optional implementation method can provide users with transfer notifications by displaying transfer messages, enabling users to be promptly informed that a transfer transaction has been detected, so that users can handle the transfer event as needed, thereby improving the user experience.

[0214] In one exemplary embodiment of this application, the sending terminal sends the transfer message in the following specific manner:

[0215] The sending terminal outputs a transfer interface based on the detected amount transfer operation, and detects the transfer information input operation in the transfer interface;

[0216] The sending terminal sends a transfer message corresponding to the transfer information input operation to the receiving terminal, and sends a payment request corresponding to the transfer information input operation to the sending server, so that the sending server freezes the funds according to the payment request.

[0217] As can be seen, by implementing this optional implementation method, the transfer amount in the balance can be frozen through the transferor's server, so that after the recipient correctly fills in the supplementary information, the transfer amount can be transferred to the recipient's terminal.

[0218] In one exemplary embodiment of this application, the transfer interface includes a first subpage and a second subpage. The specific method by which the sending terminal detects the transfer information input operation in the transfer interface is as follows:

[0219] The sender terminal detects the payee name input operation in the first sub-page and detects the transfer amount input operation in the second sub-page.

[0220] It can be seen that, by implementing the optional embodiment, the required transfer information can be obtained through detection of user operations. Compared with the prior art which requires account number, name, platform name and other information, the present application only requires the payee name and the transfer amount, which can simplify the operation of the transferor, reduce the transfer threshold, and improve the use experience of the transferor.

[0221] In an exemplary embodiment of the present application, after detecting the transfer information input operation in the transfer interface, the above-mentioned device further comprises:

[0222] The sender terminal determines the transfer information corresponding to the transfer information input operation and uploads the transfer information to the network; wherein the transfer information includes the payee name and the transfer amount.

[0223] It can be seen that, by implementing the optional embodiment, the transfer information can be uploaded to the network so as to obtain the transfer information when the receiver user is in the same network.

[0224] In an exemplary embodiment of the present application, the second sub-page includes a confirmation control, and the manner in which the sender terminal sends the transfer message corresponding to the transfer information input operation to the receiver terminal is specifically:

[0225] The sender terminal outputs a password verification window to perform password correctness verification when receiving a confirmation operation acting on the confirmation control;

[0226] If the verification result indicates that the input password is correct, the sender terminal generates a transfer message corresponding to the transfer information input operation;

[0227] The sender terminal displays a forwarding control for forwarding the transfer message;

[0228] If a forwarding operation acting on the forwarding control is detected, the sender terminal sends the transfer message to the receiver terminal.

[0229] It can be seen that, by implementing the optional embodiment, the transfer request of the sender terminal can be responded after password verification, which can improve the security of the transfer transaction.

[0230] In an exemplary embodiment of the present application, the manner in which the sender terminal displays the forwarding control for forwarding the transfer message is specifically:

[0231] The sender terminal displays a plurality of forwarding controls corresponding to different forwarding paths, and the plurality of forwarding controls are all used for forwarding the transfer message.

[0232] It can be seen that the optional embodiment can provide multiple sharing paths, so that the user can select the corresponding control according to the needs to share the transfer message, thereby improving the user experience.

[0233] In an example embodiment of the present application, the sender terminal generates a transfer message corresponding to the transfer information input operation, including:

[0234] The sender terminal determines the transferor name corresponding to the transfer information input operation, and generates a transfer message according to the transferor name, the transfer message including the transfer content and / or the collection link.

[0235] It can be seen that the optional embodiment can generate a transfer message, which can remind the recipient user to view the transfer in time, thereby improving the user experience of the recipient user.

[0236] In an example embodiment of the present application, the interface output unit 2101 outputs a display interface, including:

[0237] Detect whether the transfer transaction is closed, and detect whether the duration between the transfer time corresponding to the transfer transaction and the current time is greater than the preset duration;

[0238] If the transfer transaction is not closed and the duration is less than or equal to the preset duration, the transfer message is displayed, and the display interface is output when the detail view operation acting on the collection link is received.

[0239] In addition, the above device also includes a prompt message feedback unit (not shown), wherein:

[0240] The prompt message feedback unit is configured to return a prompt message indicating that the transfer transaction has been closed when it is detected that the transfer transaction is closed;

[0241] The prompt message feedback unit is also configured to return a prompt message indicating that the collection is overdue when it is detected that the duration is greater than the preset duration.

[0242] It can be seen that the optional embodiment can display the transfer message under the condition of ensuring the order validity, thereby reducing the risk of malicious tampering of the order.

[0243] In an example embodiment of the present application, the interface output unit 2101 outputs a display interface when receiving a detail view operation acting on the collection link, including:

[0244] When receiving a detail view operation acting on the collection link, a preset animation interface is displayed;

[0245] Detect the trigger operation in the preset animation interface, and trigger the preset animation to play according to the trigger operation;

[0246] output the display interface after detecting that the preset animation is played to completion.

[0247] It can be seen that, by implementing the optional embodiment, the transfer information can be gradually displayed to the user in the form of playing an animation, the interest is increased, and thus the use experience of the receiver user is improved.

[0248] In an example embodiment of the present application, the transfer execution unit 2104 executes the transfer transaction according to the supplementary information input operation, including:

[0249] determining the supplementary information corresponding to the supplementary information input operation;

[0250] detecting whether the payee name in the supplementary information is consistent with the payee name in the transfer information, and whether the payee name in the supplementary information matches the payee account number in the supplementary information;

[0251] if the payee name in the supplementary information is consistent with the payee name in the transfer information and the payee name in the supplementary information matches the payee account number in the supplementary information, the transfer transaction is executed.

[0252] It can be seen that, by implementing the optional embodiment, the execution of the transfer transaction can be realized through the information supplement of the receiver user, so as to improve the participation of the receiver user in the transfer process, improve the perception of the receiver user for the receiving behavior, and improve the use experience of the receiver user. In addition, the receiver user can also determine the flow direction of the funds obtained by the transfer by filling in the payee account number, improve the interactivity, and improve the use experience of the receiver user.

[0253] In an example embodiment of the present application, the transfer execution unit 2104 detects whether the payee name in the supplementary information matches the payee account number in the supplementary information, including:

[0254] determining all preset payee account numbers corresponding to the payee name in the supplementary information;

[0255] if it is detected that the payee account number is included in all preset payee account numbers, it is determined that the payee name in the supplementary information matches the payee account number.

[0256] It can be seen that, by implementing the optional embodiment, the payee account number input by the user can be verified, and then the transfer transaction can be executed after the verification is successful, so as to improve the security of the transfer transaction.

[0257] In an example embodiment of the present application, the above device further includes an automatic perfecting information unit (not shown), wherein:

[0258] The automatic completion information unit is configured to determine the account type corresponding to the account number, query the platform name for creating the account number, and add the account type and the platform name to the supplementary information.

[0259] It can be seen that, by implementing the optional embodiment, the platform name for creating the account number can be queried to automatically complete the supplementary information, the account type and the platform name can be automatically filled in, and the user experience can be improved.

[0260] In an exemplary embodiment of the present application, the transfer execution unit 2104 executes the transfer transaction, including:

[0261] The transfer request corresponding to the supplementary information is sent to the transferor server, so that the transferor server unfreezes the fund and transfers the fund to the account number according to the transfer amount.

[0262] It can be seen that, by implementing the optional embodiment, the transfer transaction can be completed through the cooperation between the transferor and the payee, and the perception degree of the payee in the transfer process can be improved.

[0263] It should be noted that, although several modules or units of the device for action execution are mentioned in the foregoing detailed description, such division is not mandatory. In fact, according to the embodiments of the present application, the features and functions of two or more modules or units described above can be embodied in one module or unit. Conversely, the features and functions of one module or unit described above can be further divided into several modules or units.

[0264] Since the various functional modules of the transfer transaction processing device of the example embodiments of the present application correspond to the steps of the example embodiments of the transfer transaction processing method described above, for details not disclosed in the device embodiments of the present application, please refer to the above-described embodiments of the transfer transaction processing method of the present application.

[0265] As another aspect, the present application also provides a computer readable medium, which can be included in the electronic device described in the above embodiments, or can exist independently without being assembled into the electronic device. The computer readable medium carries one or more programs, which, when executed by the electronic device, enable the electronic device to implement the method described in the above embodiments.

[0266] It should be noted that computer-readable media in this disclosure can be computer-readable storage media, computer-readable signal media or any combination thereof. Computer-readable storage media can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus or device, or any suitable combination of the above. More specific examples of computer-readable storage media can include, but are not limited to, an electrical connection having one or more wires, a portable computer diskette, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this disclosure, computer-readable storage media can be any tangible medium that can contain or store a program for use by or in connection with an instruction execution system, apparatus or device. In this disclosure, a computer-readable signal medium can include a computer-readable storage medium in baseband or propagated as a carrier wave in a propagated data signal, which can contain or store a program for use by or in connection with an instruction execution system, apparatus or device. The propagated data signal can take any of a variety of forms, including but not limited to electro-magnetic, optical, or any suitable combination of the above. Computer-readable signal media can be any computer-readable medium that is not a computer-readable storage medium, and that can communicate, propagate or transport a program for use by or in connection with an instruction execution system, apparatus or device. Program code contained on a computer-readable medium can be transmitted using any appropriate medium, including but not limited to wireless, wire line, optical fiber cable, RF, etc., or any suitable combination of the above.

[0267] The flow diagrams and block diagrams in the drawings are illustrations of possible architectures, functions, and operations of systems, methods, and computer program products in accordance with various embodiments of the present application. In this regard, each block in the flow diagrams or block diagrams can represent a module, a segment, or a portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that in some alternative implementations, the functions noted in the blocks can occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently or the blocks can sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and / or flow diagrams, and combinations thereof, can be implemented by special purpose hardware-based systems that perform the specified functions or operations, or combinations of special purpose hardware and computer instructions.

[0268] The units described in the embodiments of the present application can be implemented by software, or by hardware, or by a combination of software and hardware. The units described can also be located in a single processor. In some cases, the names of the units do not constitute a limitation on the units themselves.

[0269] Other embodiments of the present application will be apparent to those skilled in the art from consideration of the specification and practice of the application disclosed herein. It is intended that the present application cover any and all variations of the application that come within the scope of the present application, along with all of the equivalents thereof. It is intended that the description and examples be considered exemplary only, with the true scope and spirit of the application being indicated by the following claims.

[0270] It is to be understood that the application is not limited to the precise details of design and construction that have been described and illustrated herein, and that various modifications and changes can be made without departing from the scope of the application. The scope of the application is limited only by the claims that follow.

Claims

1. A method of processing a transfer transaction, characterized by, The method comprises the following steps: The sender terminal outputs a transfer interface according to the detected amount transfer operation, and detects a transfer information input operation in the transfer interface; The sender terminal generates a transfer message according to the transfer information corresponding to the transfer information input operation, and the transfer message comprises a collection link; The sender terminal displays a plurality of forwarding controls corresponding to different forwarding paths, and each of the forwarding controls is used for forwarding the transfer message; If a forwarding operation acting on a target forwarding control in the plurality of forwarding controls is detected, the sender terminal sends the transfer message corresponding to the transfer information input operation to the receiver terminal through the forwarding path corresponding to the target forwarding control, and sends a payment request corresponding to the transfer information input operation to the transfer-out server, so that the transfer-out server freezes funds according to the payment request; When the receiver terminal receives the transfer message sent by the sender terminal, it is determined that a transfer transaction is detected; it is detected whether the transfer transaction is closed, and whether the time length between the transfer time corresponding to the transfer transaction and the current time is greater than a preset time length; If the transfer transaction is not closed and the time length is less than or equal to the preset time length, the transfer message is displayed, and a display interface is output when a detail viewing operation acting on the collection link is received; wherein the display interface is used to display the transfer information corresponding to the transfer transaction, and the display interface comprises an interactive control for receiving the transfer; The receiver terminal receives a receiving operation acting on the interactive control, displays an information input interface, and receives a supplementary information input operation for perfecting the transfer information in the information input interface, wherein the supplementary information input operation comprises receiving an input collection account number; The receiver terminal determines the character combination mode corresponding to the collection account number, determines the account type corresponding to the collection account number according to the character combination mode, queries the platform name for creating the collection account number, and adds the account type and the platform name to the supplementary information; If the receiver terminal detects that the payee name in the supplementary information is consistent with the payee name in the transfer information, and detects that the payee name in the supplementary information matches the collection account number in the supplementary information, the receiver terminal generates a transfer request according to the collection account number in the supplementary information, the payee name and the transfer amount in the transfer information, and sends the transfer request to the transfer-out server, so that the transfer-out server unfreezes funds and transfers the funds to the collection account number according to the transfer amount.

2. The method of claim 1, wherein, The transfer interface comprises a first sub-page and a second sub-page, the sender terminal outputs a transfer interface according to the detected amount transfer operation, and detects a transfer information input operation in the transfer interface, which comprises: The sender terminal detects a payee name input operation in the first sub-page and a transfer amount input operation in the second sub-page.

3. The method of claim 2, wherein, The second sub-page includes a confirmation control, and before the sender terminal sends the transfer message corresponding to the transfer information input operation to the receiver terminal through a forwarding path corresponding to the target forwarding control, the method comprises: When the sender terminal receives a confirmation operation acting on the confirmation control, a password verification window is output to perform password correctness verification; If the verification result indicates that the input password is correct, the sender terminal generates the transfer message corresponding to the transfer information input operation.

4. The method of claim 3, wherein, The sender terminal generates the transfer message corresponding to the transfer information input operation, comprising: The sender terminal determines the name of the transferor corresponding to the transfer information input operation, and generates the transfer message according to the name of the transferor, which includes the transfer content in the transfer message.

5. The method of claim 4, wherein, The method further comprises: If the transfer transaction is detected to be closed, a prompt message indicating that the transfer transaction has been closed is returned; If it is detected that the time length is greater than the preset time length, a prompt message indicating that the collection is overdue is returned.

6. The method of claim 4, wherein, When receiving a detail viewing operation acting on the collection link, an exhibition interface is output, comprising: When receiving a detail viewing operation acting on the collection link, a preset animation interface is displayed; Detecting a trigger operation in the preset animation interface, and triggering a preset animation to play according to the trigger operation; After detecting that the preset animation plays to the end, the exhibition interface is output.

7. The method of claim 1, wherein, The method further comprises: Determine the supplementary information corresponding to the supplementary information input operation.

8. The method of claim 7, wherein, The method further comprises: Determine all preset collection accounts corresponding to the name of the collector in the supplementary information; If it is detected that the collection account is included in all preset collection accounts, it is determined that the name of the collector in the supplementary information matches the collection account.

9. A transfer transaction processing apparatus characterized by comprising: Comprise: The message display unit is used for determining that the transfer transaction is detected when the receiver terminal receives the transfer message sent by the sender terminal; The interface output unit is used for detecting whether the transfer transaction is closed, and detecting whether the time length between the transfer time corresponding to the transfer transaction and the current time is greater than a preset time length; If the transfer transaction is not closed and the time length is less than or equal to the preset time length, the transfer message is displayed, and an exhibition interface is output when a detail viewing operation acting on a collection link is received; wherein, the exhibition interface is used to display the transfer information corresponding to the transfer transaction, and the exhibition interface includes an interactive control for receiving the transfer; The interface display unit is used for receiving a receiving operation acting on the interactive control and displaying an information input interface; The operation detection unit is used for receiving a supplementary information input operation for perfecting the transfer information in the information input interface, wherein the supplementary information input operation includes receiving an input collection account; The automatic perfecting information unit is used for the receiver terminal to determine the character combination mode corresponding to the collection account, determine the account type corresponding to the collection account according to the character combination mode, query the platform name of creating the collection account, and add the account type and the platform name to the supplementary information. The transfer execution unit is configured to: if the receiver terminal detects that the payee name in the supplementary information is consistent with the payee name in the transfer information, and the payee name in the supplementary information matches the payee account number in the supplementary information, generate a transfer request according to the payee account number in the supplementary information and the payee name and the transfer amount in the transfer information, and send the transfer request to the transferor server, so that the transferor server unfreezes the funds and transfers the funds to the payee account according to the transfer amount. The sending terminal sends the transfer message in the following manner: The sending terminal outputs a transfer interface according to the detected amount transfer operation, and detects a transfer information input operation in the transfer interface; The sending terminal generates the transfer message according to the transfer information corresponding to the transfer information input operation, and the transfer message includes the payee link; The sending terminal displays a plurality of forwarding controls corresponding to different forwarding paths, and each of the plurality of forwarding controls is used to forward the transfer message; If a forwarding operation acting on a target forwarding control in the plurality of forwarding controls is detected, The sending terminal sends the transfer message corresponding to the transfer information input operation to the receiver terminal through the forwarding path corresponding to the target forwarding control, and sends a payment request corresponding to the transfer information input operation to the transferor server, so that the transferor server freezes the funds according to the payment request.

10. The apparatus of claim 9, wherein, The transfer interface includes a first subpage and a second subpage, and the transfer execution unit is further configured to: The sending terminal detects a payee name input operation in the first subpage and a transfer amount input operation in the second subpage.

11. The apparatus of claim 10, the second subpage includes a confirmation control, and before the sending terminal sends the transfer message corresponding to the transfer information input operation to the receiver terminal through the forwarding path corresponding to the target forwarding control, the transfer execution unit is further configured to: The sending terminal outputs a password verification window to verify the correctness of the password when receiving a confirmation operation acting on the confirmation control; If the verification result indicates that the input password is correct, the sending terminal generates the transfer message corresponding to the transfer information input operation.

12. A computer readable storage medium having stored thereon a computer program, characterized in that, The computer program is executed by the processor to implement the method of any one of claims 1-8.

13. An electronic device, comprising: comprises: a processor; and a memory for storing executable instructions of the processor; wherein the processor is configured to execute the method of any one of claims 1-8 by executing the executable instructions.

14. A computer program product, characterised in that, The computer program product comprises computer instructions stored in a computer readable storage medium, and the processor of the computer device reads the computer instructions from the computer readable storage medium, and the processor executes the computer instructions, so that the computer device executes the method of any one of claims 1-8.

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