Resource transfer method, device, computer equipment and storage medium

Abstract

The present application relates to a resource transfer method, apparatus, computer equipment and storage medium. The method includes: determining the target resource transferee to be subject to a quota increase; displaying a first resource transfer interface for transferring resources from the target resource transferee corresponding to this end to the target resource transferee; obtaining a first resource transfer quantity within the original transfer quota range before the quota increase through the first resource transfer interface; sending a first resource transfer request to a resource transfer server according to the first resource transfer quantity, so that the resource transfer server executes a resource transfer task according to the first resource transfer request, so as to transfer the first resource transfer quantity of resources from the target resource transferee to the target resource transferee, and performs risk monitoring on the resource transfer task. When the risk monitoring conditions are met, the resource transfer quota transferred from the target resource transferee to the target resource transferee is increased. The use of this method can improve the efficiency of resource transfer.

Description

Technical Field

[0001] The present application relates to the field of Internet technology, and in particular to a resource transfer method, apparatus, computer equipment, and storage medium. Background Art

[0002] With the development of Internet technology, more and more users choose to perform online resource transfer operations on terminal devices (such as mobile phones and computers), such as transferring money to others, purchasing items or managing finances.

[0003] Currently, due to the risks involved in online resource transfer operations, there is usually a limit on the amount of resources that can be transferred online. When users transfer resources online, the amount of transferred resources must meet the limit.

[0004] However, there is often a situation where the amount of resources that a user needs to transfer is greater than the quota limit. In this case, the user needs to go to the bank in person to handle the resource transfer, which consumes a lot of time and leads to low efficiency of resource transfer. Summary of the Invention

[0005] Based on this, it is necessary to provide a resource transfer method, apparatus, computer equipment and storage medium to address the above-mentioned technical problem of low resource transfer efficiency.

[0006] A resource transfer method, the method comprising: determining a target resource transferee to be subject to a credit increase; displaying a first resource transfer interface for transferring resources from a target resource transferee corresponding to this end to the target resource transferee; obtaining a first resource transfer amount through the first resource transfer interface, the first resource transfer amount being within the original transfer credit range before the credit increase; sending a first resource transfer request to a resource transfer server based on the first resource transfer amount, so that the resource transfer server executes a resource transfer task based on the first resource transfer request, so as to transfer the first resource transfer amount of resources from the target resource transferee to the target resource transferee, and performing risk monitoring on the resource transfer task, and when a risk monitoring condition is met, increasing the resource transfer credit transferred from the target resource transferee to the target resource transferee.

[0007] A resource transfer device, the device comprising: a target resource transferee determination module, used to determine the target resource transferee to be subject to a credit increase; a first resource transfer interface display module, used to display a first resource transfer interface for transferring resources from the target resource transferor corresponding to this end to the target resource transferee; a first resource transfer quantity acquisition module, used to acquire a first resource transfer quantity through the first resource transfer interface, the first resource transfer quantity being within the original transfer credit range before the credit increase; a first resource transfer request sending module, used to send a first resource transfer request to a resource transfer server according to the first resource transfer quantity, so that the resource transfer server executes a resource transfer task according to the first resource transfer request, so as to transfer the first resource transfer quantity of resources from the target resource transferor to the target resource transferee, and performs risk monitoring on the resource transfer task. When the risk monitoring conditions are met, the resource transfer credit transferred from the target resource transferor to the target resource transferee is increased.

[0008] In some embodiments, the target resource transferee determination module includes: a transferee information acquisition interface display unit, which is used to trigger an operation based on the transferee's credit limit increase and display the transferee information acquisition interface; a transferee information acquisition unit, which is used to obtain the transferee information through the transferee information acquisition interface to determine the target resource transferee for which the credit limit is to be increased.

[0009] In some embodiments, the transferee information acquisition interface display unit is also used to obtain the transferor identity information corresponding to the target resource transferor based on the transferee credit limit increase trigger operation; and display the transferor identity information as the transferee identity information in the transferee information acquisition interface.

[0010] In some embodiments, the transferee information acquisition unit is further used to obtain the resource manager corresponding to the transferee through the transferee information acquisition interface; obtain the transferee identity authentication result obtained by performing identity authentication on the transferee, and use the transferee with a passed transferee identity authentication result as the target resource transferee for the credit limit increase; wherein, the transferee identity authentication result is obtained by performing consistency verification on the transferee identity information and the verification identity information, and the verification identity information is obtained from the server corresponding to the resource manager based on the transferee identity identifier corresponding to the transferee identity information.

[0011] In some embodiments, the first resource transfer request sending module is further used to add the target resource transferee to the transferee set corresponding to the target resource transfer amount when the risk monitoring condition is met, and the target resource transfer amount is greater than the original transfer amount.

[0012] In some embodiments, the device also includes: a target resource transferee display module, which is used to display each of the target resource transferees in the transferee set; a second resource transfer interface display module, which is used to display a second resource transfer interface for transferring resources from the target resource transferor to the target resource transferee when a selection operation for the target resource transferee is received, so as to perform resource transfer according to the operation of the second resource transfer interface, and the resource transfer amount corresponding to the second resource transfer interface is the target resource transfer amount.

[0013] In some embodiments, the target resource transferee display module includes: a resource transfer entry display unit, used to display the resource transfer entry corresponding to the target resource transfer amount; a target resource transferee display unit, used to display each of the target resource transferees in the transferee set when a trigger operation on the resource transfer entry is received.

[0014] In some embodiments, the risk monitoring condition includes the time interval between the transfer time corresponding to the first resource transfer request and the current time. When the duration threshold is reached, the risk level corresponding to the resource transfer task is less than the degree threshold. The device is also used to display the credit increase verification status information based on the difference between the time interval and the duration threshold.

[0015] A computer device comprises a memory and a processor, wherein the memory stores a computer program, and the processor implements the following steps when executing the computer program: determining a target resource transferee to be subject to a credit limit increase; displaying a first resource transfer interface for transferring resources from a target resource transferor corresponding to this end to the target resource transferee; obtaining a first resource transfer quantity through the first resource transfer interface, wherein the first resource transfer quantity is within the original transfer credit limit before the credit limit increase; sending a first resource transfer request to a resource transfer server according to the first resource transfer quantity, so that the resource transfer server executes a resource transfer task according to the first resource transfer request, so as to transfer the first resource transfer quantity of resources from the target resource transferor to the target resource transferee, and performs risk monitoring on the resource transfer task, and when the risk monitoring conditions are met, increases the resource transfer credit limit transferred from the target resource transferor to the target resource transferee.

[0016] A computer-readable storage medium stores a computer program, which, when executed by a processor, implements the following steps: determining a target resource transferee whose credit limit is to be increased; displaying a first resource transfer interface for transferring resources from a target resource transferor corresponding to this end to the target resource transferee; obtaining a first resource transfer quantity through the first resource transfer interface, the first resource transfer quantity being within the original transfer credit limit before the credit limit is increased; sending a first resource transfer request to a resource transfer server based on the first resource transfer quantity, so that the resource transfer server executes a resource transfer task based on the first resource transfer request, so as to transfer the first resource transfer quantity of resources from the target resource transferor to the target resource transferee, and performing risk monitoring on the resource transfer task, and when a risk monitoring condition is met, increasing the resource transfer credit limit transferred from the target resource transferor to the target resource transferee.

[0017] The resource transfer method, apparatus, computer device, and storage medium described above determine the target resource transferee to be increased, display a first resource transfer interface for transferring resources from the target resource transferee corresponding to the local end, obtain a first resource transfer amount through the first resource transfer interface, and send a first resource transfer request to the resource transfer server based on the first resource transfer amount, so that the resource transfer server executes a resource transfer task according to the first resource transfer request to transfer the first resource transfer amount of resources from the target resource transferee to the target resource transferee. Risk monitoring is performed on the resource transfer task, and when the resource transfer task meets the risk monitoring conditions, the resource transfer amount transferred from the target resource transferee to the target resource transferee is increased. Because the resource transfer verification for the increased amount is performed within the original transfer amount range, the risk of executing the resource transfer task is reduced. Furthermore, when the resource transfer task meets the risk monitoring conditions, the resource transfer amount of the target resource transferee specified in the target resource transferee direction is increased, ensuring the security of the increased resource transfer amount. After the resource transfer amount is increased, the user can use the increased resource transfer amount to transfer resources, thereby improving the efficiency of resource transfer.

[0018] A resource transfer method, the method comprising: receiving a first resource transfer request sent by a resource transfer-out terminal, the first resource transfer request carrying a first resource transfer amount, the first resource transfer request being used to request that resources of the first resource transfer amount be transferred from a target resource transferor corresponding to the resource transfer-out terminal to a target resource transferee, the target resource transferee being a resource transferee whose credit limit is to be increased, and the first resource transfer amount being within the original transfer credit limit before the credit limit increase; executing a resource transfer task according to the first resource transfer request; performing risk monitoring on the resource transfer task, and increasing the resource transfer credit limit transferred from the target resource transferor to the target resource transferee when a risk monitoring condition is met.

[0019] In some embodiments, the method also includes: receiving a second resource transfer request, the second resource transfer request is triggered through a second resource transfer interface, and the resource transfer amount corresponding to the second resource transfer interface is the target resource transfer amount; obtaining the remaining amount corresponding to the target resource transfer amount, and when the second resource transfer quantity in the second resource transfer request is less than or equal to the remaining amount, performing resource transfer according to the second resource transfer request.

[0020] A resource transfer device, the device comprising: a first resource transfer request receiving module, used to receive a first resource transfer request sent by a resource transfer-out terminal, the first resource transfer request carrying a first resource transfer amount, the first resource transfer request being used to request that the resources of the first resource transfer amount be transferred from a target resource transferor corresponding to the resource transfer-out terminal to a target resource transferee, the target resource transferee being a resource transferee whose credit limit is to be increased, and the first resource transfer amount being within the original transfer credit limit before the credit limit increase; a resource transfer task execution module, used to execute a resource transfer task according to the first resource transfer request; a risk monitoring module, used to perform risk monitoring on the resource transfer task, and when a risk monitoring condition is met, to increase the resource transfer credit limit transferred from the target resource transferor to the target resource transferee.

[0021] In some embodiments, the risk monitoring module includes: a time interval acquisition unit, used to obtain the time interval between the transfer time corresponding to the first resource transfer request and the current time; a quota increase unit, used to determine that the risk monitoring conditions are met when the time interval reaches a duration threshold and the risk level corresponding to the resource transfer task is less than a level threshold, and increase the resource transfer quota transferred from the target resource transferor to the target resource transferee.

[0022] In some embodiments, the risk monitoring module is further configured to add the target resource transferee to a set of transferees corresponding to a target resource transfer amount, where the target resource transfer amount is greater than the original transfer amount.

[0023] In some embodiments, the device also includes: a second resource transfer request receiving module, used to receive a second resource transfer request, the second resource transfer request is triggered by a second resource transfer interface, and the resource transfer amount corresponding to the second resource transfer interface is the target resource transfer amount; a resource transfer module, used to obtain the remaining amount corresponding to the target resource transfer amount, when the second resource transfer quantity in the second resource transfer request is less than or equal to the remaining amount, resource transfer is performed according to the second resource transfer request.

[0024] A computer device includes a memory and a processor, wherein the memory stores a computer program, and the processor implements the following steps when executing the computer program: receiving a first resource transfer request sent by a resource transfer-out terminal, the first resource transfer request carrying a first resource transfer amount, the first resource transfer request being used to request that resources of the first resource transfer amount be transferred from a target resource transferor corresponding to the resource transfer-out terminal to a target resource transferee, the target resource transferee being a resource transferee whose credit limit is to be increased, and the first resource transfer amount being within the original transfer credit limit before the credit limit is increased; executing a resource transfer task according to the first resource transfer request; performing risk monitoring on the resource transfer task, and increasing the resource transfer credit limit transferred from the target resource transferor to the target resource transferee when a risk monitoring condition is met.

[0025] A computer-readable storage medium stores a computer program thereon, which implements the following steps when executed by a processor: receiving a first resource transfer request sent by a resource transfer-out terminal, the first resource transfer request carrying a first resource transfer amount, the first resource transfer request being used to request that resources of the first resource transfer amount be transferred from a target resource transferor corresponding to the resource transfer-out terminal to a target resource transferee, the target resource transferee being a resource transferee whose credit limit is to be increased, and the first resource transfer amount being within the original transfer credit limit before the credit limit increase; executing a resource transfer task according to the first resource transfer request; performing risk monitoring on the resource transfer task, and increasing the resource transfer credit limit transferred from the target resource transferor to the target resource transferee when a risk monitoring condition is met.

[0026] The above-mentioned resource transfer method, apparatus, computer equipment and storage medium receive a first resource transfer request sent by a resource transfer-out terminal, execute a resource transfer task according to the first resource transfer request, and transfer a first resource transfer quantity of resources from the target resource transferor corresponding to the resource transfer-out terminal to the target resource transferee, perform risk monitoring on the resource transfer task, and when the resource transfer task meets the risk monitoring conditions, increase the resource transfer quota from the target resource transferor to the target resource transferee. Since the resource transfer verification with the quota increase is performed within the original transfer quota range, the risk of executing the resource transfer task is reduced, and when the resource transfer task meets the risk monitoring conditions, the resource transfer quota of the target resource transferee specific to the target resource transfer-out direction is increased, thereby ensuring the security of the increased resource transfer quota. When the resource transfer quota is increased, the user can use the increased resource transfer quota to transfer resources, thereby improving the efficiency of resource transfer. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] Figure 1 A diagram of an application environment of a resource transfer method in some embodiments;

[0028] Figure 2 is a flowchart of a resource transfer method in some embodiments;

[0029] Figure 3 is a flowchart of a resource transfer method in some embodiments;

[0030] Figure 4 A schematic diagram of a resource transfer interface in some embodiments;

[0031] Figure 5 A schematic diagram of a process for transferring large amounts using the same name in some embodiments;

[0032] Figure 6 A schematic diagram of a quota setting interface in some embodiments;

[0033] Figure 7 This is a schematic diagram of an interface for obtaining transferee information in some embodiments;

[0034] Figure 8 A schematic diagram of an interface for obtaining a resource manager in some embodiments;

[0035] Figure 9 A schematic diagram showing a credit limit indicator in some embodiments;

[0036] Figure 10 A schematic diagram showing a credit limit indicator in some embodiments;

[0037] Figure 11 A schematic diagram of a process for initiating a large-amount transfer with the same name in some embodiments;

[0038] Figure 12 A schematic diagram of a transfer verification interface in some embodiments;

[0039] Figure 13 A schematic diagram of a transfer verification interface in some embodiments;

[0040] Figure 14 is a flowchart of a resource transfer method in some embodiments;

[0041] Figure 15 is a structural block diagram of a resource transfer device in some embodiments;

[0042] Figure 16 is a structural block diagram of a resource transfer device in some embodiments;

[0043] Figure 17 is a diagram of the internal structure of a computer device in some embodiments;

[0044] Figure 18 1 is a diagram of the internal structure of a computer device in some embodiments. DETAILED DESCRIPTION

[0045] In order to make the purpose, technical solutions and advantages of this application more clear, the following further describes this application in detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain this application and are not intended to limit this application.

[0046] The resource transfer method provided in this application can be applied to Figure 1 In the application environment shown. The application environment includes a resource transfer-out terminal 102 and a resource transfer server 104, wherein the resource transfer-out terminal 102 communicates with the resource transfer server 104 through a network. The resource transfer-out terminal 102 can determine the target resource transferee whose credit limit is to be increased, display a first resource transfer interface for transferring resources from the target resource transferee corresponding to the local terminal to the target resource transferee, obtain a first resource transfer quantity through the first resource transfer interface, the first resource transfer quantity is within the original transfer credit limit before the credit limit is increased, and send a first resource transfer request to the resource transfer server 104 according to the first resource transfer quantity. The resource transfer server 104 can execute a resource transfer task according to the first resource transfer request to transfer the first resource transfer quantity of resources from the target resource transferee to the target resource transferee, and perform risk monitoring on the resource transfer task. When the risk monitoring conditions are met, the resource transfer credit limit transferred from the target resource transferee to the target resource transferee is increased.

[0047] The resource transfer terminal 102 may be, but is not limited to, various personal computers, laptops, smart phones, tablet computers, and portable wearable devices, and the resource transfer server 104 may be implemented as an independent server or a server cluster consisting of multiple servers.

[0048] In some embodiments, as Figure 2 As shown, a resource transfer method is provided, which is applied to Figure 1 The resource transfer terminal 102 in the example is used as an example to illustrate, including the following steps:

[0049] S202: Determine the target resource transferee for the quota increase.

[0050] Here, resources refer to circulated resources existing in electronic accounts, such as resources that can be circulated on the internet through an account. Accounts can be, but are not limited to, bank card numbers and internet payment accounts. Internet payment accounts can be mobile phone numbers or custom numbers. Resources include, but are not limited to, currency. The "resource transferee" refers to the party to whom resources are transferred. Resource transfer refers to the transfer of resources from one account to another. The party from which resources are transferred is called the "resource transferor." The resource transferor and resource transferee can be at least one of an enterprise or an individual, such as a payee and a receiving enterprise. The resource transferor can also be referred to as the payee, and the resource transferee can also be referred to as the "receiver." The resource transferor and resource transferee can be different accounts of the same user or different users. When the resource transferor and resource transferee are the same user, they are considered to be accounts with the same name. When the resource transferor and resource transferee are different users, they are considered to be accounts with different names.

[0051] The target resource transferee refers to the resource transferee whose credit limit is to be increased, and the resource transfer credit limit refers to the credit limit corresponding to the resource transfer. The resource transfer credit limit refers to the maximum amount of resources that the resource transferor can transfer to the target resource transferee within a credit limit period. Transfers can be made online, including at least one of the resource management organization's website or corresponding application (APP). The resource manager refers to the organization responsible for resource management and may have resource transfer and resource storage functions, such as a bank. The duration of a credit limit period can be set as needed, for example, 24 hours (i.e., one day). The resource transfer credit limit is, for example, the maximum amount of resources that can be transferred via a bank's app within 24 hours, such as RMB 2 million. The resource transfer credit limit may be set by the resource manager. The resource transfer credit limit may include, for example, at least one of a transfer limit and a platform limit. The transfer limit refers to the total amount of funds that a user can transfer to a third-party account in a single day, as specified by the bank's online banking platform. The platform limit refers to the maximum amount of resources that can be transferred out in a single day, as specified by the bank. If a user exceeds this limit and needs to transfer funds, they must go to an offline bank counter to complete the transfer. Among them, for users who have just opened an account, the resource transfer limit can be preset to a limit value, which can be set as needed, for example, to 0. In addition, when the user does not transfer out resources within a preset time length, the user's resource transfer limit can be automatically set to the preset limit value.

[0052] When the resource transferor transfers resources within a preset quota period, the resource transfer quota is consumed. The resource transfer quota can correspond to a consumed resource amount and an unconsumed resource amount. The consumed resource amount refers to the amount of resources already transferred by the resource transferor, and the unconsumed resource amount refers to the remaining amount of the resource transfer quota after the consumed resource amount. Within a quota period, if the amount of resources transferred by the resource transferor is less than the unconsumed resource amount, the resource transfer can proceed. If the amount of resources transferred by the resource transferor is greater than or equal to the unconsumed resource amount, the resource transfer cannot proceed. For example, if the unconsumed resource amount is 1 million RMB and the amount of resources transferred is 500,000 RMB, and 500,000 RMB is less than 1 million RMB, then 500,000 RMB can be transferred out. However, if the amount of resources transferred is 1.1 million RMB, since 1.1 million RMB is greater than 1 million RMB, 1.1 million RMB cannot be transferred out. In the next quota cycle, the amount of consumed resources will be reset to zero, and the amount of unconsumed resources will be modified to the amount corresponding to the resource transfer quota.

[0053] When the resource transferor transfers resources through online channels, it often encounters a situation where the amount of transferred resources exceeds the resource transfer quota. In this case, the resource transferor needs to transfer resources through offline channels. Offline channels may include the counters of the institutions corresponding to the resource management agency, such as bank counters. Quota increase refers to increasing the amount of the resource transfer quota. Therefore, when the resource transferor uses online channels to transfer resources, if the amount of transferred resources exceeds the resource transfer quota, the amount of the resource transfer quota can be increased. The resource transfer quota after the increase is greater than the resource transfer quota before the increase. For example, the resource transfer quota before the increase is 2 million, and the resource transfer quota after the increase is 5 million. Transferring resources according to the increased resource transfer quota can enable the resource transferor to quickly and conveniently transfer larger amounts of resources.

[0054] Specifically, the terminal can obtain the information of the resource transferee and send the obtained information of the resource transferee to the resource transfer server. The resource transfer server can authenticate the resource transferee based on the information of the resource transferee and return the result of the identity authentication. The terminal can determine the target resource transferee for the credit limit increase based on the result of the identity authentication. Among them, the terminal can automatically obtain the information of the resource transferee, for example, the terminal can automatically determine the information of the resource transferee based on the information of the resource transferor. In addition, the terminal can display an interface for obtaining the transferee information, and the user can enter the transferee information in the interface, and the terminal can obtain the transferee information entered by the user from the interface.

[0055] S204, displaying a first resource transfer interface for transferring resources from the target resource transferor corresponding to the local end to the target resource transferee.

[0056] Among them, this end refers to the terminal corresponding to the target resource transferor, for example Figure 1 The resource transfer terminal 102 in the example is used. Resource transferors can be divided into users who have performed a credit limit increase operation and users who have not performed a credit limit increase operation. Users who have performed a credit limit increase operation can be referred to as old users, and users who have not performed a credit limit increase operation can be referred to as new users. The target resource transferor can be any resource transferor that performs a resource transfer.

[0057] The resource transfer interface is an interface for resource transfer, through which you can obtain information related to resource transfer, such as the name and mobile phone number of the party receiving the resource transfer, the currency type, the branch account, and at least one of the transfer amount. The currency types are, for example, RMB and Hong Kong dollars. The branch account refers to the account of the account that spends the resources, and the branch account may include RMB accounts and Hong Kong dollar accounts. The resource transfer interface may also include at least one of a currency type button, an amount filling area, a branch account button, or a transfer remarks button. The currency type button is used to select the currency type, the amount filling area is used to write the amount of the transferred resources, the branch account button is used to select the branch account, and the transfer remarks button is used to fill in the transfer remarks. As Figure 4 As shown, a resource transfer interface is displayed, where "Zhang San" is the name of the resource transferee, "135XXX006" is the mobile phone number of the resource transferee, "HKD (Hong Kong Dollar)" is the currency type, "XX Account" is the payment account, "Currency Type" is the currency type button, "Transfer Remarks" is the transfer remark button, "Payment Account" is the payment account button, and "Amount Input Area" is the amount filling area.

[0058] The first resource transfer interface may be a resource transfer interface for transferring resources according to the original transfer quota before the quota is increased. The amount entered in the amount filling area of ​​the first resource transfer interface is less than or equal to the original transfer quota.

[0059] Specifically, when the resource transfer-out terminal determines the target resource transferee whose credit limit is to be increased, the resource transfer-out terminal may display a first resource transfer interface in which the target resource transfer-out terminal corresponding to the terminal transfers resources to the target resource transferee.

[0060] S206: Obtain a first resource transfer amount through the first resource transfer interface. The first resource transfer amount is within the original transfer amount range before the amount is increased.

[0061] The first resource transfer amount is less than or equal to the original transfer amount. The original transfer amount refers to the resource transfer amount before the amount is increased. The user can fill the first resource transfer amount into the amount filling area of ​​the resource transfer interface, and the resource transfer terminal can display the first resource transfer amount. Figure 4 As shown, "4800" corresponds to the first resource transfer quantity.

[0062] In some embodiments, the first resource transfer amount can be input by the user or pre-set. For example, a preset resource transfer amount for requesting a credit limit increase can be pre-set. The preset resource transfer amount is smaller than the original transfer amount, for example, it can be 5 yuan, so as to reduce the risk of credit limit increase verification through resource transfer.

[0063] S208, sending a first resource transfer request to the resource transfer server according to the first resource transfer quantity, so that the resource transfer server executes the resource transfer task according to the first resource transfer request to transfer the first resource transfer quantity of resources from the target resource transferor to the target resource transferee, and performs risk monitoring on the resource transfer task. When the risk monitoring conditions are met, the resource transfer amount transferred from the target resource transferor to the target resource transferee is increased.

[0064] The resource transfer request is used to request a resource transfer, and the first resource transfer request is used to request a resource transfer based on a first resource transfer amount. The first resource transfer request may include the first resource transfer amount, information about the resource transferor, and information about the resource transferee. A resource transfer task is a task for transferring resources. The resource transfer task executed by the resource transfer server based on the first resource transfer request is to transfer the first resource transfer amount of resources from the target resource transferor to the target resource transferee. Risk monitoring of the resource transfer task includes monitoring at least one of report data or complaint data related to the resource transfer task. Risk monitoring conditions can be set as needed. The risk monitoring condition may include the risk level of the resource transfer task being less than a preset risk level within a preset time period. For example, the risk monitoring condition may include the time interval between the transfer time corresponding to the first resource transfer request and the current time. When a time threshold is reached, the risk level of the resource transfer task is less than a threshold. For example, when the time threshold is reached, if the resource transfer task is considered normal, for example, if no reports indicating that the resource transfer task is an abnormal transfer task caused by account theft are received within the time threshold, the risk monitoring condition is determined to be satisfied.

[0065] Specifically, the resource transfer terminal sends a first resource transfer request to the resource transfer server based on the first resource transfer amount. When the first resource transfer amount is less than or equal to the unconsumed amount in the original transfer amount, the resource transfer terminal can display a security verification interface, which can obtain security verification information. The resource transfer terminal can perform security verification based on the obtained security verification information. When the security verification passes, the first resource transfer request is sent to the resource transfer server based on the first resource transfer amount. The security verification information may include at least one of a payment password or fingerprint information. Figure 4 As shown, the transaction password input interface corresponds to the security verification interface, and the transaction password "123456" is the security verification information. To increase security, security verification can also be performed through electronic signatures and video recordings.

[0066] The resource transfer server may execute a resource transfer task based on the first resource transfer request, i.e., transfer the first resource transfer amount of resources from the target resource transferor to the target resource transferee. The resource transfer server may perform risk monitoring on the resource transfer task and, when risk monitoring conditions are met, increase the resource transfer quota from the target resource transferor to the target resource transferee. After the resource transfer quota from the target resource transferor to the target resource transferee is increased, the target resource transferor may transfer resources to the target resource transferee according to the increased resource transfer quota.

[0067] In some embodiments, after the resource transfer terminal sends the first resource transfer request, it can display a resource transfer result waiting interface. The resource transfer result waiting interface can display the time information when the resource transfer server returns the resource transfer result, so that the user can understand the progress of the quota increase verification. The resource transfer server can return the resource transfer result to the resource transfer terminal. The resource transfer result can be a successful transfer or a failed transfer. The resource transfer terminal can display the resource transfer result on the resource transfer result display interface. Figure 4 As shown, the bank return result waiting interface represents the resource transfer result waiting interface, and the transfer success interface represents the resource transfer result display interface corresponding to the successful transfer.

[0068] In some embodiments, the target resource transferee can be divided into different transferee categories based on the execution status of the resource transfer task. For example, when the resource transfer task has not been executed, the transferee category of the target resource transferee is set to pending transfer verification. When the resource transfer task has been executed but the time interval between the time when the execution is completed and the current time is less than a preset time length, the transferee category of the target resource transferee can be set to in transfer verification. When the resource transfer task has been executed and the time interval between the time when the execution is completed and the current time reaches a preset time length, the transferee category of the target resource transferee can be set to large-amount payee. The preset time length is, for example, 24 hours. The large-amount payee can refer to the payee who has completed the transfer to increase the credit limit and the transfer record is greater than 24 hours. In transfer verification refers to the payee who has completed the transfer and the transfer record is less than 24 hours. Pending transfer verification refers to the payee who has not yet undergone transfer verification.

[0069] In some embodiments, the transferee category of the target resource transferee can be changed as the resource transfer-out terminal and the information corresponding to the resource transferor change. For example, when the resource transfer-out terminal changes within a preset time range, and the target resource transferee is determined before the resource transfer-out terminal changes, the status of the target resource transferee is modified to pending transfer verification. Figure 5As shown, when the payee is added before the softtoken is modified, the payee status is changed to pending transfer verification. If the payee is added after the softtoken is modified, the payee status remains modified.

[0070] In some embodiments, the amount after the quota is increased can be a preset amount, such as 5 million, or it can be set by the user. For example, when the risk monitoring conditions are met, the resource transfer terminal can display a limit setting interface, and the user can set the resource transfer quota through the limit setting interface. The resource transfer terminal can obtain the set resource transfer quota through the limit setting interface, and modify the resource transfer quota transferred from the target resource transferor to the target resource transferee to the set resource transfer quota, thereby completing the quota increase. Figure 6 As shown, a limit setting interface is displayed for enabling large-amount transfers with the same name. The resource transfer-out terminal can select the "Complete Activation" button to increase the limit, that is, enable large-amount transfers with the same name.

[0071] In the above-mentioned resource transfer method, a target resource transferee to be increased in quota is determined, a first resource transfer interface is displayed for transferring resources from the target resource transferor corresponding to the local end to the target resource transferee, a first resource transfer amount is obtained through the first resource transfer interface, and a first resource transfer request is sent to a resource transfer server based on the first resource transfer amount, so that the resource transfer server executes a resource transfer task according to the first resource transfer request to transfer the first resource transfer amount of resources from the target resource transferor to the target resource transferee, and risk monitoring is performed on the resource transfer task. When the resource transfer task meets the risk monitoring conditions, the resource transfer quota transferred from the target resource transferor to the target resource transferee is increased. Since the resource transfer verification for the quota increase is performed within the original transfer quota range, the risk of executing the resource transfer task is reduced. When the resource transfer task meets the risk monitoring conditions, the resource transfer quota of the target resource transferee with a specific target resource transferor direction is increased, ensuring the security of the increased resource transfer quota. When the resource transfer quota is increased, the user can use the increased resource transfer quota to transfer resources, thereby improving the efficiency of resource transfer.

[0072] Currently, traditional banks control the amount of transfers users can make on the bank side. For example, if the amount a user needs to transfer is greater than the transfer limit of 1 million, the user must go to an offline branch counter to transfer the money. Using offline channels to handle resource transfers takes a long time and brings a lot of inconvenience to users, reducing the efficiency of resource transfers. However, the resource transfer method of this application can increase the resource transfer limit when the expected user limit is greater than the resource transfer limit, allowing users to transfer resources online, improving the efficiency of resource transfers. It also makes up for the service shortcoming that online transfers cannot achieve large withdrawals at offline branch counters.

[0073] In some embodiments, when the target resource transferor and the target resource transferee are different accounts of the same user, for example, when the same user has accounts at different banks, the resource transfer between the target resource transferor and the target resource transferee after the credit limit is increased can be referred to as a same-name large-amount transfer. Same-name means that the resource transferor and the resource transferee correspond to the same user, and large-amount transfer means that the resource transferor and the resource transferee can transfer resources using the increased resource transfer credit limit. The resource transfer terminal or resource transfer server can determine whether the target resource transferor and the target resource transferee are the same user by comparing the information of the target resource transferor and the information of the target resource transferee. For example, the names and mobile phone numbers of the target resource transferor and the target resource transferee can be compared. When the names and mobile phone numbers are the same, it is determined that the target resource transferor and the target resource transferee are the same user. The resource transfer terminal can provide the resource transferor with a same-name large-amount transfer function. By activating the same-name large-amount transfer function, the resource transferor can make a large-amount transfer to the corresponding resource transferee. The amount of resources transferred through the large-amount transfer function under the same name can consume the amount corresponding to the large-amount transfer under the same name. For transfers between accounts under the same name that are not conducted through the large-amount transfer function, the amount corresponding to the large-amount transfer under the same name will not be consumed. When a transfer fails, a refund will be made, that is, when a transfer fails, the amount that was not successfully transferred needs to be refunded.

[0074] In some embodiments, the terminal can provide an interface entry for increasing the resource transfer quota, the terminal can send a quota increase request to the resource transfer server, the resource transfer server can determine whether the quota increase is allowed through verification to ensure that the quota increase request is a user operation and the security of the resource transfer, the resource transfer server can generate a response result corresponding to the quota increase request, and return the response result of the quota increase request. When the response result indicates that the increase is successful, the terminal can use the increased resource transfer quota to transfer resources. Among them, the quota increase request can be a request to enable a large-amount transfer with the same name. The resource transfer terminal can send a request to enable a large-amount transfer with the same name to the resource transfer server. The resource transfer server can make a judgment based on the conditions for enabling the large-amount transfer with the same name. When the resource transferor meets the conditions for enabling the large-amount transfer with the same name, the function of the large-amount transfer with the same name is enabled for the resource transferor, that is, the quota is increased. Among them, the conditions for enabling large-amount transfers with the same name may include that the resource transferor has registered a payee with the same name, the payee with the same name has a transfer record and the time interval between the transfer record and the current time is less than the preset time interval, or the user (resource transferor) agrees to enable at least one of the large-amount transfers with the same name.

[0075] like Figure 3As shown, when making a local transfer or cross-border remittance, if the user limit is not exceeded, the transfer can be made directly. When the user limit is exceeded, the user limit can be increased. When the increased user limit does not exceed the platform limit, the transfer can be made based on the increased user limit. When the increased user limit exceeds the platform limit, the resource transfer terminal can send a request to the resource transfer server to apply for the activation of large-amount withdrawal. When a payee has been registered, the registered payee has a historical transfer record, and the user has agreed to enable large-amount withdrawal, the same-name large-amount withdrawal is enabled. The resource transfer limit corresponding to the same-name large-amount withdrawal is greater than the platform limit. The user can transfer large resources through the same-name large-amount withdrawal. Among them, the user limit refers to the limit customized by the user based on the resource transfer limit. The user limit is less than or equal to the resource transfer limit. The user limit is, for example, the daily transfer limit set by the user based on the bank's daily transfer limit. The user can adjust the user limit as needed. For example, if the platform limit is 1 million, users can set a daily transfer limit of 100,000, effectively limiting the user limit to 100,000. Transfers exceeding 100,000 will fail. Users can also reset the user limit, for example, changing the limit from 100,000 to 200,000. Large-amount withdrawals under the same name refer to large-amount transfers under the same name. A registered payee is a payee who has registered their information online. Registered payees are the opposite of unregistered payees, who have not registered their information online. Large-amount withdrawals refer to large-amount transfers under the same name. Core deductions refer to the transfer of resources through the bank's core banking system (CBS), which handles financial accounts between users and the bank. A request to enable large-amount withdrawals under the same name is a request to enable large-amount withdrawals.

[0076] In some embodiments, step S202, i.e., determining the target resource transferee to whom the credit limit is to be increased, includes: displaying a transferee information acquisition interface based on a credit limit increase trigger operation of the transferee; and acquiring transferee information through the transferee information acquisition interface to determine the target resource transferee to whom the credit limit is to be increased.

[0077] The transferee credit limit increase trigger operation is used to request an increase in the credit limit for resource transfers from the transferor to the transferee. Upon receiving the transferee credit limit increase trigger operation, the terminal can display the transferee information acquisition interface. The transferee credit limit increase trigger operation can be determined based on the type of the target resource transferee. Different types of resource transferors can have different transferee credit limit increase trigger operations. Resource transferors can include new users and existing users.

[0078] When the target resource transferor is a new user, the resource transfer terminal can provide a credit limit increase entrance for credit limit increase. The credit limit increase entrance can be, for example, an entrance for large-amount transfers under the same name. The resource transfer terminal can obtain an entrance trigger operation for the credit limit increase entrance, and display the transferee information acquisition interface according to the entrance trigger operation. For example, the resource transfer terminal can display a credit limit increase details interface according to the entrance trigger operation. The credit limit increase details interface can include a credit limit increase confirmation button. The resource transfer terminal can obtain a selection operation for the credit limit increase confirmation button, and display the transferee information acquisition interface according to the selection operation for the credit limit increase confirmation button. For example, if Figure 7 As shown, the local transfer displayed by the resource transfer terminal may include mobile phone number transfer, bank account transfer and same-name large-amount transfer, among which the same-name large-amount transfer represents the entry for the same-name large-amount transfer. Figure 7 The resource transfer terminal can display the large-amount transfer details interface with the same name based on the selection operation of the large-amount transfer with the same name. The content displayed on the large-amount transfer details interface is a detailed introduction to the large-amount transfer with the same name. The "Activate Now" button in the large-amount transfer details interface with the same name corresponds to the quota increase confirmation button. The resource transfer terminal can display the payee registration interface based on the selection operation of the "Activate Now" button. The payee registration interface is the transferee information acquisition interface.

[0079] When the target resource transferor is an old user, that is, the target resource transferor has already registered the resource transferee who needs to increase the credit limit and has completed the credit limit increase, and needs to add a new resource transferee, the resource transfer-out terminal can display the transferee selection interface according to the entry trigger operation. The transferee selection interface can be provided with a transferee addition button. The resource transfer-out terminal can obtain the selection operation of the transferee addition button and display the transferee information acquisition interface according to the selection operation of the transferee addition button. Figure 8 As shown, the beneficiary selection interface corresponds to the transferee selection interface, and the "Add Large Amount Payee" button corresponds to the transferee's new button. When the "Add Large Amount Payee" button is triggered, the terminal displays the transferee information acquisition interface, as shown in Figure 8 The transferee selection interface may also include a button for jumping to the credit limit increase details interface, such as Figure 8 . Click the "Function Description" button in the

[0080] The transferee information acquisition interface is used to obtain transferee information. This information refers to the transferee's identity information or the corresponding resource manager's information. If the transferee is an enterprise, the identity information may include the enterprise name. If the transferee is an individual, the identity information may include the transferee's name.

[0081] Specifically, the information obtained by the transferee information acquisition interface can be automatically obtained by the terminal or obtained according to user operations. For example, when the resource transferee and the resource transferor are accounts corresponding to the same user, the terminal can automatically obtain the user information of the user and display it in the transferee information acquisition interface. The terminal can also obtain the transferee information and display it according to the user's operation on the transferee information acquisition interface. The transferee information acquisition interface may include an information filling area, and the information filling area may be filled with corresponding information. The information filling area may include at least one of a name filling area and a mobile phone number filling area. The terminal may determine the transferee information based on the content filled in by the user. For example, when the name filling area is filled with "Zhang San", the name of the transferee is determined to be "Zhang San". Of course, the transferee information acquisition interface can also obtain other information, such as the resource transfer method. The resource transfer method is as follows: Figure 8 The transfer method in Figure 8 The transfer method is to transfer via mobile phone number.

[0082] In this embodiment, the transferee information acquisition interface is displayed based on the trigger operation of the transferee's credit limit increase; by obtaining the transferee information through the transferee information acquisition interface, the transferee information can be obtained conveniently and quickly, which improves the efficiency of obtaining the transferee information, thereby improving the efficiency of determining the target resource transferee for the credit limit increase.

[0083] In some embodiments, based on the transferee credit limit increase trigger operation, displaying the transferee information acquisition interface includes: based on the transferee credit limit increase trigger operation, obtaining the transferor identity information corresponding to the target resource transferor; using the transferor identity information as the transferee identity information, and displaying it in the transferee information acquisition interface.

[0084] The identity information may include at least one of a name or an ID number, and the transferor identity information is the identity information of the transferor of the target resource.

[0085] Specifically, the resource transfer terminal can obtain the transferor identity information corresponding to the target resource transferor, and use the transferor identity information as the transferee identity information, and display it in the transferee information acquisition interface. Figure 8 As shown, the payee name "Zhang San" displayed in the payee registration interface can be the name of the corresponding payee, that is, the payee name and the payer name are the same.

[0086] In this embodiment, the identity information of the transferor is used as the identity information of the transferee, which ensures that the transferee and the transferor are users with the same name, reduces the risk of resource transfer, and ensures the safety of user funds.

[0087] In some embodiments, obtaining transferee information through a transferee information acquisition interface to determine the target resource transferee for which the credit limit is to be increased includes: obtaining the resource management party corresponding to the transferee through the transferee information acquisition interface; obtaining identity authentication of the transferee, and obtaining the transferee identity authentication result, and using the transferee with a passed transferee identity authentication result as the target resource transferee for which the credit limit is to be increased.

[0088] The transferee identity authentication result is obtained by performing a consistency check on the transferee identity information and the verification identity information. The verification identity information is obtained from the server corresponding to the resource manager based on the transferee identity identifier corresponding to the transferee identity information. The transferee identity identifier may include at least one of the transferee's mobile phone number, bank account number, or ID card. The resource manager refers to the institution that manages resources and may have functions such as resource transfer and resource storage, such as a bank. The resource manager corresponding to the transferee is the resource manager to which the transferee's account belongs, such as the bank corresponding to the payee's bank account. The server corresponding to the resource manager may be the server of the resource manager itself or a server that has established a communication connection with the server of the resource manager. The verification identity information is information pre-stored by the server corresponding to the resource manager. The verification identity information corresponds to a resource manager. The same verification identity information may correspond to different resource managers. For example, if two verification identity information contain the name "Zhang San", one verification identity information corresponds to Bank A, and the other verification identity information corresponds to Bank B.

[0089] Specifically, the resource transfer-out terminal can obtain the resource management party and transferee identity corresponding to the transferee through the transferee information acquisition interface, and can send the resource management party and transferee identity corresponding to the transferee to the server corresponding to the resource management party of the transferor. The server corresponding to the resource management party of the transferor can authenticate the transferee based on the transferee identity and the transferee resource management party. For example, the server corresponding to the resource management party of the transferor can obtain verification identity information based on the transferee identity, compare the verification identity information with the transferee identity information, and when the comparison is consistent, determine that the transferee identity authentication result is passed. Otherwise, determine that the transferee identity authentication result is failed. The server corresponding to the resource management party can send the transferee identity authentication result to the resource transfer-out terminal, so that the resource transfer-out terminal will use the transferee with the transferee identity authentication result as the target resource transferee to be subject to a credit increase. Of course, the server corresponding to the resource management party can send the verification identity information to the resource transfer-out terminal, and the resource transfer-out terminal can determine the target resource transferee to be subject to a credit increase based on the verification identity information and the transferee identity information.

[0090] In some embodiments, the server corresponding to the resource manager is an identity authentication server, and the identity authentication server is, for example, the server where the FPS (Faster Payment System) authentication system is located. The terminal can apply to the server corresponding to the resource manager for transferee identity authentication. After the transferee identity authentication is passed, the transferee identity and the identity information recorded in the corresponding resource manager can be stored in the identity authentication server. The identity information stored in the identity authentication server is the verification identity information. For example, when the transferee identity is a mobile phone number and the resource manager is Bank A, the user can apply to Bank A for FPS authentication of the mobile phone number. After passing the FPS authentication, the identity information corresponding to the transferee's account in Bank A can be stored in the FPS authentication system, that is, the verification identity information. Figure 8 As shown, the transferee's identity is a mobile phone number that has been authenticated by FPS.

[0091] In some embodiments, the transferee information acquisition interface may further include a resource manager selection button. The terminal may display a resource manager selection interface based on a trigger operation on the resource manager selection button. The resource manager selection interface may include a resource manager list. The terminal may obtain a selection operation on a resource manager in the resource manager list through the resource manager selection interface, and use the resource manager corresponding to the selection operation as the resource manager corresponding to the transferee. Figure 8 As shown, the "Bank Selection" button corresponds to the resource manager's selection button, and the bank selection interface corresponds to the resource manager's selection interface. When Bank A is selected, "Bank A" is displayed at the corresponding position on the payee registration interface. The resource transfer-out terminal can display the information reverse query interface by obtaining the trigger operation of the "Next" button, indicating that the identity of the transferee is being verified.

[0092] In this embodiment, the transferee whose identity authentication result is passed is used as the target resource transferee to which the credit limit is to be increased, thereby improving the security of the target resource transferee.

[0093] In some embodiments, when the risk monitoring conditions are met, increasing the resource transfer amount transferred from the target resource transferor to the target resource transferee includes: when the risk monitoring conditions are met, adding the target resource transferee to the transferee set corresponding to the target resource transfer amount, and the target resource transfer amount is greater than the original transfer amount.

[0094] The target resource transfer quota refers to the resource transfer quota after the quota is increased. A transferee set can include multiple target resource transferees. The transferees in the transferee set share the target resource transfer quota. That is, when a target resource transferor transfers funds to any target resource transferee in the transferee set, the same target resource transfer quota is consumed. The target resource transfer quota can be associated with a target quota identifier. The quota identifier uniquely identifies a quota.

[0095] Specifically, when the risk monitoring conditions are met, the terminal can establish an association relationship between the target resource transferee and the target quota identifier, thereby making the target resource transferee the transferee corresponding to the target resource transfer quota, and thus becoming the transferee in the transferee set corresponding to the target resource transfer quota.

[0096] In some embodiments, the resource transfer-out terminal can display the transferee and the corresponding quota identifier. Figure 8 、 Figure 9 and Figure 10 As shown, the amount corresponding to the transferee "Zhang San" is marked as "large amount payee".

[0097] In this embodiment, when the risk monitoring conditions are met, it can be determined that it is safe to transfer resources from the target resource transferor to the target resource transferee. When the risk monitoring conditions are met, the target resource transferee is added to the transferee set corresponding to the target resource transfer quota, which can ensure that the transferee corresponding to the target resource transfer quota is a user who can perform safe resource transfer, thereby improving the security of resource transfer.

[0098] In some embodiments, the method further includes: displaying each target resource transferee in the transferee set; when a selection operation for the target resource transferee is received, displaying a second resource transfer interface for transferring resources from the target resource transferor to the target resource transferee, so as to perform resource transfer according to the operation of the second resource transfer interface, and the resource transfer amount corresponding to the second resource transfer interface is the target resource transfer amount.

[0099] The second resource transfer interface is used to transfer resources within the target resource transfer quota. Transferring resources within this second resource transfer interface consumes the target resource transfer quota. The amount entered in the amount field on the second resource transfer interface is less than or equal to the target resource transfer quota, but may be greater than the original transfer quota.

[0100] Specifically, the resource transfer-out terminal may display each target resource transferee in the transferee set, and when receiving a selection operation for the target resource transferee, display a second resource transfer interface for transferring resources from the target resource transferor to the target resource transferee.

[0101] In this embodiment, by obtaining the selection operation of the target resource transferee in the transferee set, a second resource transfer interface for transferring resources from the target resource transferor to the target resource transferee is displayed, and resource transfer is performed according to the operation of the second resource transfer interface. Since the transferee in the transferee set can transfer resources according to the target resource transfer quota obtained by the quota increase, the resource transfer is performed according to the operation of the second resource transfer interface, which can realize large-scale resource transfer and ensure the security of large-scale resource transfer, so that users can perform large-scale resource transfer online, thereby improving the efficiency of resource transfer.

[0102] In some embodiments, displaying each target resource transferee in the transferee set includes: displaying a resource transfer entry corresponding to the target resource transfer quota; and displaying each target resource transferee in the transferee set when a trigger operation on the resource transfer entry is received.

[0103] Among them, the resource transfer entrance corresponding to the target resource transfer quota is the entrance for resource transfer under the target resource transfer quota, such as the entrance for large-amount transfer with the same name. That is, when entering the resource transfer interface through the resource transfer entrance to transfer resources, the target resource transfer quota is consumed, and resources can be transferred within the unused quota corresponding to the target resource transfer quota.

[0104] Specifically, the resource transfer terminal can display a resource transfer method selection interface, and the resource transfer method selection interface can display a resource transfer entry corresponding to the target resource transfer amount. Figure 8 The "Local Transfer" interface in the app is the resource transfer method selection interface, displaying three local transfer methods: "Mobile Number Transfer," "Bank Account Transfer," and "Same-Name Large Amount Transfer." The "Same-Name Large Amount Transfer" entry indicates the resource transfer entry corresponding to the target resource transfer amount.

[0105] In some embodiments, the resource transfer server can determine whether the information of the resource transfer terminal and the resource transferor has changed within a preset time range. If the information of the resource transfer terminal or the resource transferor has not changed within the preset time range, the resource transfer entrance corresponding to the target resource transfer amount can be displayed, such as the "large amount withdrawal entrance with the same name". The preset time range can be set as needed, for example, 7 days. Figure 11As shown, the resource transfer server can determine whether the mobile phone number and the corresponding softtoken of the resource transferor have changed in the past 7 days. When the softtoken changes, it can be determined that the resource transfer terminal corresponding to the resource transferor has been modified. When the mobile phone number and the corresponding softtoken of the resource transferor have both been modified, the resource transfer server can enable the resource transfer terminal to display the large-amount withdrawal entrance with the same name (i.e., the entrance for large-amount transfers with the same name).

[0106] In this embodiment, the resource transfer entrance corresponding to the target resource transfer amount is displayed. When a trigger operation on the resource transfer entrance is received, each target resource transferee in the transferee set is displayed. The each target resource transferee in the transferee set can be quickly displayed, and the user can quickly select the user to transfer resources from the displayed target resource transferees, which saves the time required for selecting the target resource transferee and improves the efficiency of resource transfer.

[0107] In some embodiments, the risk monitoring condition includes the time interval between the transfer time corresponding to the first resource transfer request and the current time. When the duration threshold is reached, the risk level corresponding to the resource transfer task is less than the degree threshold. The method also includes: displaying the credit increase verification status information based on the difference between the time interval and the duration threshold.

[0108] The transfer time may be the completion time of the resource transfer task corresponding to the first resource transfer request, i.e., the time point when the resources in the first resource transfer quantity in the resource transferor's account are transferred to the resource transferee's account. The current time refers to the time point corresponding to the current moment. The duration threshold can be set as needed, for example, to 24 hours. The risk level refers to the magnitude of the risk. The magnitude of the risk is positively correlated with the risk level; the greater the risk level, the greater the risk. The risk level can be represented by a risk level, which can include level one, level two, and level three, with different levels corresponding to different risk levels. For example, the risk level and risk level can be positively correlated, i.e., the greater the risk level, the greater the risk level. The degree threshold can be set as needed and can be selected from the risk level, for example, level two. The credit limit increase verification status information may include at least one of status information or time information. The status information may be either verifying in progress or verified successful. The time information may be the difference between the time interval and the duration threshold.

[0109] Specifically, the resource transfer-out terminal can determine the status information and time information in the credit increase verification status information based on the difference between the time interval and the duration threshold. The resource transfer-out terminal can calculate the duration difference obtained by subtracting the time interval from the duration threshold, and can use the duration difference as the time information. When the time interval is less than the duration threshold, the resource transfer-out terminal can determine that the status information is in verification. When the time interval reaches the duration threshold, and the risk level corresponding to the resource transfer task is less than the level threshold, the resource transfer-out terminal can determine that the status information is successfully verified. When the time interval is less than or equal to the duration threshold, and the risk level corresponding to the resource transfer task is greater than the level threshold, the resource transfer-out terminal can determine that the status information is failed verification. Figure 12 and Figure 13 The transfer verification interface shown shows the verification status information of the amount increase in progress and the verification status information of the amount increase that has been successfully verified. Figure 12 The 2h (hours) here refers to the time information in the credit limit increase verification status information.

[0110] In some embodiments, the resource transfer-out terminal or the resource transfer server may perform risk monitoring on the resource transfer task starting from the transfer time, and when the time interval between the current time and the transfer time reaches a duration threshold, calculate the risk level corresponding to the resource transfer task. The resource transfer-out terminal or the resource transfer server may obtain risk-related data corresponding to the resource transfer task within the duration threshold, and determine the risk level corresponding to the resource transfer task based on the risk-related data. The risk-related data may include at least one of the report data on the resource transfer task within the duration threshold or the historical transfer data of the resource transferor. For example, whenever there is a report on the resource transfer task within the duration threshold, it is determined that the risk level corresponding to the resource transfer task is greater than the degree threshold.

[0111] In this embodiment, based on the difference between the time interval and the duration threshold, the credit limit increase verification status information is displayed, which can intuitively and real-timely display the status of the credit limit increase, so that the user can understand the real-time status information of the credit limit increase.

[0112] In some embodiments, as Figure 14 As shown, a resource transfer method is provided, which is applied to Figure 1 The resource transfer server 104 in FIG. 1 is used as an example to illustrate the process, including the following steps:

[0113] S1402, receiving a first resource transfer request sent by a resource transfer-out terminal, the first resource transfer request carrying a first resource transfer quantity, the first resource transfer request being used to request that the resources of the first resource transfer quantity be transferred from a target resource transferor corresponding to the resource transfer-out terminal to a target resource transferee, the target resource transferee being a resource transferee whose quota is to be increased, and the first resource transfer quantity being within the original transfer quota range before the quota increase.

[0114] S1404: Execute a resource transfer task according to the first resource transfer request.

[0115] S1406: Risk monitoring is performed on the resource transfer task. When the risk monitoring conditions are met, the resource transfer quota transferred from the target resource transferor to the target resource transferee is increased.

[0116] In the above-mentioned resource transfer method, a first resource transfer request sent by a resource transfer-out terminal is received, and a resource transfer task is executed according to the first resource transfer request to transfer a first resource transfer quantity of resources from the target resource transferor corresponding to the resource transfer-out terminal to the target resource transferee. Risk monitoring is performed on the resource transfer task, and when the resource transfer task meets the risk monitoring conditions, the resource transfer quota transferred from the target resource transferor to the target resource transferee is increased. Since the resource transfer verification with the quota increase is performed within the original transfer quota range, the risk of executing the resource transfer task is reduced, and when the resource transfer task meets the risk monitoring conditions, the resource transfer quota of the target resource transferee specific to the target resource transfer-out direction is increased, thereby ensuring the security of the increased resource transfer quota. When the resource transfer quota is increased, the user can use the increased resource transfer quota to transfer resources, thereby improving the efficiency of resource transfer.

[0117] In some embodiments, step S1406 is to perform risk monitoring on the resource transfer task. When the risk monitoring conditions are met, the resource transfer amount transferred from the target resource transferor to the target resource transferee is increased, including: obtaining the time interval between the transfer time corresponding to the first resource transfer request and the current time; when the time interval reaches the duration threshold, the risk level corresponding to the resource transfer task is less than the level threshold, determining that the risk monitoring conditions are met, and increasing the resource transfer amount transferred from the target resource transferor to the target resource transferee.

[0118] In this embodiment, when the time interval reaches the duration threshold, if the risk level corresponding to the resource transfer task is less than the level threshold, it is determined that the risk monitoring condition is met, that is, it is determined that the resource transfer between the target resource transferor and the target resource transferee is safe. Therefore, when it is determined that the risk monitoring condition is met, the resource transfer amount transferred from the target resource transferor to the target resource transferee is increased, ensuring that the resource transfer using the increased amount is safe.

[0119] In some embodiments, increasing the resource transfer quota transferred from the target resource transferor to the target resource transferee includes: adding the target resource transferee to the transferee set corresponding to the target resource transfer quota, and the target resource transfer quota is greater than the original transfer quota.

[0120] In this embodiment, the target resource transferee is added to the transferee set corresponding to the target resource transfer quota, which can ensure that the transferee corresponding to the target resource transfer quota is a user who can perform safe resource transfer, thereby improving the security of resource transfer.

[0121] In some embodiments, the method also includes: receiving a second resource transfer request, the second resource transfer request is triggered through a second resource transfer interface, and the resource transfer quota corresponding to the second resource transfer interface is the target resource transfer quota; obtaining the remaining quota corresponding to the target resource transfer quota, and when the second resource transfer quantity in the second resource transfer request is less than or equal to the remaining quota, performing resource transfer according to the second resource transfer request.

[0122] The second resource transfer request is used to request resource transfer according to the target resource transfer quota. The remaining quota corresponding to the target resource transfer quota refers to the amount of the target resource transfer quota that has not been consumed.

[0123] Specifically, the resource transfer server can compare the second resource transfer amount with the remaining amount corresponding to the standard resource transfer amount. When the second resource transfer amount is greater than the remaining amount corresponding to the standard resource transfer amount, the resource transfer server can generate an excess prompt message and return the excess prompt message to the resource transfer terminal, such as Figure 5 As shown, the resource transfer server can determine whether the filled amount exceeds the same-name limit (same-name large limit), that is, whether the filled amount exceeds the unused amount of the same-name limit. If it exceeds, it will prompt that the same-name large limit has been exceeded. Otherwise, 3FA (Three-factor authentication) will be performed to complete the transfer, that is, the resource transfer task is completed. Among them, the verification method of 3FA can include any three of soft token verification, password verification, face recognition or fingerprint recognition. The order of each verification method in 3FA can be pre-set as needed or it can be arbitrary.

[0124] In this embodiment, when the second resource transfer amount in the second resource transfer request is less than or equal to the remaining amount, resource transfer is performed according to the second resource transfer request, ensuring that the amount of resource transfer does not exceed the target resource transfer amount, thereby improving the security of resource transfer.

[0125] In some embodiments, as Figure 10As shown, a flowchart corresponding to a resource transfer method is shown, including the following steps:

[0126] 1. Display the large withdrawal entrance with the same name, and enter the large withdrawal page by displaying the large withdrawal entrance with the same name;

[0127] 2. Determine whether the resource transferor has registered a payee with the same mobile phone number as the user. If so, proceed to step 3. If not, the resource transfer terminal guides the user to add his or her frequently used payee. The resource transfer terminal automatically pulls the bank information and mobile phone number (including the name and mobile phone number corresponding to the resource transferor), obtains the bank selected by the user, and determines whether "our bank name and the name obtained by reverse querying the FPS are consistent", that is, whether the name corresponding to the resource transferor and the name obtained by reverse querying the FPS are consistent. If they are consistent, 2FA (Two-factor authentication) is performed to complete the registration (that is, the target resource transferee for the credit limit increase is determined). If the names are inconsistent, an error message will be prompted for name inconsistency. When the payee already exists, a prompt "The payee already exists" will be displayed and the registration is completed.

[0128] 3. Determine whether the payee with the same mobile phone number has a transfer record, that is, determine whether the resource transferor has transferred resources to the payee with the same mobile phone number through the large-amount withdrawal page. If so, proceed to step 4. If not, the payee with the same mobile phone number is determined to be the payee awaiting transfer verification. The resource transfer terminal can select [Pending Transfer Verification] and enter the resource transfer interface. The registered payee is automatically pulled through the resource transfer interface, and the entered amount is obtained. 1FA (one-factor authentication) is performed to complete the transfer.

[0129] 4. Determine whether the transfer record in step 3 is older than 24 hours. If so, proceed to step 5. If the transfer record is confirmed to be in [Transfer Verification];

[0130] 5. Determine whether the same-name limit is 0. If not, complete the addition of the large-amount payee, which increases the resource transfer limit between the resource transferor and the payee. If so, proceed to step 6.

[0131] 6. Set the limit for the same name to 5 million, perform 1FA verification, and the limit for the same name is set successfully.

[0132] The same-name limit refers to the resource transfer limit for large-value transfers using the same name. 1FA can be any one of soft token authentication, password authentication, facial recognition, or fingerprint recognition. 2FA can include any two of these.

[0133] In some embodiments, the resource transfer method provided in the embodiment of the present application is described by taking the resource transfer terminal 102 as an example, including the following steps:

[0134] 1. Based on the transferee's credit limit increase trigger operation, obtain the transferor's identity information corresponding to the target resource transferor.

[0135] 2. The transferor's identity information is used as the transferee's identity information and displayed in the transferee's information acquisition interface.

[0136] 3. Obtain the resource manager corresponding to the transferee through the transferee information acquisition interface, obtain the transferee identity authentication result, and use the transferee with a passed identity authentication result as the target resource transferee for the quota increase.

[0137] The transferee identity authentication result is obtained by performing consistency verification on the transferee identity information and the verification identity information. The verification identity information is obtained from the server corresponding to the resource management party based on the transferee identity identifier corresponding to the transferee identity information.

[0138] 4. Display the first resource transfer interface for transferring resources from the target resource transferor corresponding to this end to the target resource transferee.

[0139] 5. Obtain the first resource transfer amount through the first resource transfer interface. The first resource transfer amount is within the original transfer amount before the amount is increased.

[0140] 6. Send a first resource transfer request to the resource transfer server according to the first resource transfer quantity.

[0141] Specifically, the resource transfer server can execute the resource transfer task according to the first resource transfer request, transfer the first resource transfer quantity of resources from the target resource transferor to the target resource transferee, and perform risk monitoring on the resource transfer task. When the risk monitoring conditions are met, the resource transfer-out terminal can add the target resource transferee to the transferee set corresponding to the target resource transfer quota, and the target resource transfer quota is greater than the original transfer quota. The risk monitoring conditions may include the time interval between the transfer time corresponding to the first resource transfer request and the current time. When the duration threshold is reached, the risk level corresponding to the resource transfer task is less than the degree threshold. The resource transfer-out terminal can display the quota increase verification status information based on the difference between the time interval and the duration threshold.

[0142] 7. Display the resource transfer entry corresponding to the target resource transfer quota. When a trigger operation is received on the resource transfer entry, display each target resource transferee in the transferee set.

[0143] 8. When a selection operation is received for the target resource transferee, a second resource transfer interface is displayed for transferring resources from the target resource transferor to the target resource transferee.

[0144] Specifically, the resource transfer terminal may perform resource transfer according to an operation on the second resource transfer interface, and the resource transfer quota corresponding to the second resource transfer interface is the target resource transfer quota.

[0145] It should be understood that although Figures 2 to 14 The steps in the flowchart are shown in sequence as indicated by the arrows, but these steps are not necessarily executed in the order indicated by the arrows. Unless otherwise specified in this document, there is no strict order restriction for the execution of these steps, and these steps can be executed in other orders. In addition, Figures 2 to 14 At least part of the steps may include multiple steps or multiple stages. These steps or stages are not necessarily performed at the same time, but can be performed at different times. The order of execution of these steps or stages is not necessarily one by one, but can be performed in turn or alternately with other steps or at least part of the steps or stages in other steps.

[0146] In some embodiments, as Figure 15 As shown, a resource transfer device is provided. The device can be implemented as a software module or a hardware module, or a combination of both to form a part of a computer device. The device specifically includes: a target resource transferee determination module 1502, a first resource transfer interface display module 1504, a first resource transfer quantity acquisition module 1506, and a first resource transfer request sending module 1508, wherein:

[0147] The target resource transferee determination module 1502 is used to determine the target resource transferee for which the credit limit is to be increased.

[0148] The first resource transfer interface display module 1504 is used to display a first resource transfer interface for transferring resources from the target resource transfer-out party corresponding to the local end to the target resource transfer-in party.

[0149] The first resource transfer amount acquisition module 1506 is configured to acquire a first resource transfer amount through a first resource transfer interface, where the first resource transfer amount is within the original transfer amount range before the amount is increased.

[0150] The first resource transfer request sending module 1508 is used to send a first resource transfer request to the resource transfer server according to the first resource transfer quantity, so that the resource transfer server executes the resource transfer task according to the first resource transfer request to transfer the resources of the first resource transfer quantity from the target resource transferor to the target resource transferee, and performs risk monitoring on the resource transfer task. When the risk monitoring conditions are met, the resource transfer amount transferred from the target resource transferor to the target resource transferee is increased.

[0151] In some embodiments, the target resource transferee determination module 1502 includes:

[0152] The transferee information acquisition interface display unit is used to trigger an operation based on the transferee's credit limit increase and display the transferee information acquisition interface.

[0153] The transferee information acquisition unit is used to acquire the transferee information through the transferee information acquisition interface to determine the target resource transferee for the quota increase.

[0154] In some embodiments, the transferee information acquisition interface display unit is also used to trigger an operation based on the transferee's credit limit increase to obtain the transferor's identity information corresponding to the target resource transferor; and display the transferor's identity information as the transferee's identity information in the transferee information acquisition interface.

[0155] In some embodiments, the transferee information acquisition unit is further used to obtain the resource manager corresponding to the transferee through the transferee information acquisition interface; obtain the transferee identity authentication result obtained by performing identity authentication on the transferee, and use the transferee with a passed transferee identity authentication result as the target resource transferee for the credit limit increase; wherein the transferee identity authentication result is obtained by performing consistency verification on the transferee identity information and the verification identity information, and the verification identity information is obtained from the server corresponding to the resource manager based on the transferee identity identifier corresponding to the transferee identity information.

[0156] In some embodiments, the first resource transfer request sending module 1508 is further used to add the target resource transferee to the transferee set corresponding to the target resource transfer amount when the risk monitoring condition is met, and the target resource transfer amount is greater than the original transfer amount.

[0157] In some embodiments, the resource transfer apparatus further comprises:

[0158] The target resource transferee display module is used to display each target resource transferee in the transferee set.

[0159] The second resource transfer interface display module is used to display the second resource transfer interface for transferring resources from the target resource transferor to the target resource transferee when a selection operation is received for the target resource transferee, so as to transfer resources according to the operation of the second resource transfer interface. The resource transfer amount corresponding to the second resource transfer interface is the target resource transfer amount.

[0160] In some embodiments, the target resource transferee display module includes:

[0161] The resource transfer entry display unit is used to display the resource transfer entry corresponding to the target resource transfer quota.

[0162] The target resource transferee display unit is used to display each target resource transferee in the transferee set when a trigger operation on the resource transfer entry is received.

[0163] In some embodiments, the risk monitoring conditions include the time interval between the transfer time corresponding to the first resource transfer request and the current time. When the duration threshold is reached, the risk level corresponding to the resource transfer task is less than the degree threshold. The resource transfer device is also used to display the credit increase verification status information based on the difference between the time interval and the duration threshold.

[0164] In some embodiments, as Figure 16 As shown, a resource transfer device is provided. The device can be a software module or a hardware module, or a combination of the two to form a part of a computer device. The device specifically includes: a first resource transfer request receiving module 1602, a resource transfer task execution module 1604 and a risk monitoring module 1606, wherein:

[0165] The first resource transfer request receiving module 1602 is used to receive a first resource transfer request sent by a resource transfer-out terminal. The first resource transfer request carries a first resource transfer quantity. The first resource transfer request is used to request that the resources of the first resource transfer quantity be transferred from the target resource transferor corresponding to the resource transfer-out terminal to the target resource transferee. The target resource transferee is the resource transferee whose quota is to be increased. The first resource transfer quantity is within the original transfer quota before the quota increase.

[0166] The resource transfer task execution module 1604 is configured to execute the resource transfer task according to the first resource transfer request.

[0167] The risk monitoring module 1606 is used to perform risk monitoring on the resource transfer task. When the risk monitoring conditions are met, the resource transfer quota transferred from the target resource transferee to the target resource transferee is increased.

[0168] In some embodiments, the risk monitoring module 1606 includes:

[0169] The time interval obtaining unit is configured to obtain the time interval between the transfer time corresponding to the first resource transfer request and the current time.

[0170] The quota increasing unit is used to determine that the risk monitoring conditions are met when the time interval reaches the duration threshold and the risk level corresponding to the resource transfer task is less than the level threshold, and to increase the resource transfer quota transferred from the target resource transferee to the target resource transferee.

[0171] In some embodiments, the risk monitoring module 1606 is further configured to add the target resource transferee to a transferee set corresponding to a target resource transfer quota, where the target resource transfer quota is greater than the original transfer quota.

[0172] In some embodiments, the resource transfer apparatus further comprises:

[0173] The second resource transfer request receiving module is configured to receive a second resource transfer request, where the second resource transfer request is triggered via a second resource transfer interface, and the resource transfer quota corresponding to the second resource transfer interface is a target resource transfer quota.

[0174] The resource transfer module is used to obtain the remaining amount corresponding to the target resource transfer amount, and when the second resource transfer amount in the second resource transfer request is less than or equal to the remaining amount, perform resource transfer according to the second resource transfer request.

[0175] For the specific definition of the resource transfer device, please refer to the definition of the resource transfer method above and will not be repeated here. The various modules in the above-mentioned resource transfer device can be implemented in whole or in part by software, hardware, or a combination thereof. The above-mentioned modules can be embedded in or independent of the processor in the computer device in the form of hardware, or can be stored in the memory of the computer device in the form of software so that the processor can call and execute the operations corresponding to the above modules.

[0176] In some embodiments, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 17 As shown. The computer device includes a processor, a memory, and a network interface connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of the operating system and computer program in the non-volatile storage medium. The database of the computer device is used to store data such as the amount and amount of resource transfers. The network interface of the computer device is used to communicate with an external terminal via a network connection. When the computer program is executed by the processor, a resource transfer method is implemented.

[0177] In some embodiments, a computer device is provided. The computer device may be a terminal, and its internal structure diagram may be as follows: Figure 18 As shown. The computer device includes a processor, a memory, a communication interface, a display screen and an input device connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The communication interface of the computer device is used to communicate with an external terminal in a wired or wireless manner, and the wireless manner can be achieved through WIFI, an operator network, NFC (near field communication) or other technologies. When the computer program is executed by the processor, a resource transfer method is implemented. The display screen of the computer device can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer device can be a touch layer covering the display screen, or a button, trackball or touchpad provided on the computer device housing, or an external keyboard, touchpad or mouse.

[0178] Those skilled in the art will understand that Figure 17 and Figure 18 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different component arrangement.

[0179] In some embodiments, a computer device is further provided, including a memory and a processor, wherein a computer program is stored in the memory, and the processor implements the steps in the above-mentioned method embodiments when executing the computer program.

[0180] In some embodiments, a computer-readable storage medium is provided, storing a computer program, which implements the steps in the above-mentioned method embodiments when executed by a processor.

[0181] In some embodiments, a computer program product or computer program is provided, the computer program product or computer program including computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium and executes the computer instructions, causing the computer device to perform the steps of each of the above method embodiments.

[0182] Those skilled in the art will appreciate that all or part of the processes in the above-mentioned embodiment methods can be implemented by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application may include at least one of non-volatile and volatile memory. Non-volatile memory may include read-only memory (ROM), magnetic tape, floppy disk, flash memory or optical memory, etc. Volatile memory may include random access memory (RAM) or external cache memory. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM).

[0183] The technical features of the above embodiments can be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0184] The above-described embodiments merely represent several implementation methods of the present application. While the descriptions are relatively specific and detailed, they should not be construed as limiting the scope of the present invention. It should be noted that a person skilled in the art could make various modifications and improvements without departing from the spirit of the present application, all of which fall within the scope of protection of the present application. Therefore, the scope of protection of the present patent application shall be determined by the appended claims.

Claims

1. A resource transfer method, characterized in that: The method comprises: Display the transferee information acquisition interface, and obtain the resource manager corresponding to the transferee through the transferee information acquisition interface; Obtaining an identity authentication result of the transferee for the transferee, and using the transferee with a passing identity authentication result as the target resource transferee for a credit limit increase; wherein the transferee identity authentication result is obtained by performing a consistency check on the transferee identity information and verification identity information, the verification identity information being obtained from a server corresponding to the resource management party based on the transferee identity identifier corresponding to the transferee identity information; the transferee identity information is the transferor identity information corresponding to the target resource transferor; Displaying a first resource transfer interface for transferring resources from the target resource transferor corresponding to the local end to the target resource transferee; Obtaining a first resource transfer amount through the first resource transfer interface, where the first resource transfer amount is within the original transfer amount before the amount is increased; A first resource transfer request is sent to a resource transfer server according to the first resource transfer quantity, so that the resource transfer server executes a resource transfer task according to the first resource transfer request to transfer the first resource transfer quantity of resources from the target resource transferor to the target resource transferee, and performs risk monitoring on the resource transfer task. When the time interval between the transfer time corresponding to the first resource transfer request and the current time reaches a duration threshold, the risk level corresponding to the resource transfer task is less than the level threshold, and it is determined that the risk monitoring condition is met. The target resource transferee is added to the transferee set corresponding to the target resource transfer quota, and the target resource transfer quota is greater than the original transfer quota; the transferees in the transferee set share the target resource transfer quota.

2. The method according to claim 1, characterized in that The method further comprises: The transferee's credit limit increase triggers an action and displays the transferee information acquisition interface.

3. The method according to claim 2, characterized in that The triggering operation based on the transferee's credit limit increase and displaying the transferee information acquisition interface include: According to the transferee's credit limit increase triggering operation, obtaining the transferor's identity information corresponding to the target resource transferor; The transferor's identity information is used as the transferee's identity information and displayed in the transferee's information acquisition interface.

4. The method according to claim 1, wherein The method further comprises: Displaying each transferee of the target resource in the transferee set; When a selection operation is received for the target resource transferee, a second resource transfer interface is displayed for transferring resources from the target resource transferor to the target resource transferee, so that resource transfer is performed according to the operation of the second resource transfer interface. The resource transfer amount corresponding to the second resource transfer interface is the target resource transfer amount.

5. The method according to claim 4, characterized in that The displaying of each target resource transferee in the transferee set includes: Display the resource transfer entry corresponding to the target resource transfer amount; When a trigger operation on the resource transfer entry is received, each of the target resource transferees in the transferee set is displayed.

6. The method according to claim 1, characterized in that The method further comprises: Based on the difference between the time interval and the time threshold, the credit limit increase verification status information is displayed.

7. A resource transfer method, characterized in that: The method comprises: Receive a first resource transfer request sent by a resource transfer-out terminal, the first resource transfer request carries a first resource transfer quantity, the first resource transfer request is used to request that the resources of the first resource transfer quantity be transferred from the target resource transferor corresponding to the resource transfer-out terminal to the target resource transferee, the target resource transferee is the resource transferee whose credit limit is to be increased, and the first resource transfer quantity is within the original transfer credit limit before the credit limit is increased; wherein, the target resource transferee is the transferee whose transferee identity authentication result is passed, the transferee identity authentication result is obtained by performing a consistency check on the transferee identity information and the verification identity information, the verification identity information is obtained from the server corresponding to the resource manager corresponding to the transferee based on the transferee identity identifier corresponding to the transferee identity information; the resource manager corresponding to the transferee is obtained through the transferee information acquisition interface; the transferee identity information is the transferor identity information corresponding to the target resource transferor; the first resource transfer quantity is obtained through the first resource transfer interface; executing a resource transfer task according to the first resource transfer request; Obtaining a time interval between a transfer time corresponding to the first resource transfer request and a current time; When the time interval reaches the duration threshold, the risk level corresponding to the resource transfer task is less than the level threshold, and it is determined that the risk monitoring conditions are met. The target resource transferee is added to the transferee set corresponding to the target resource transfer amount, and the target resource transfer amount is greater than the original transfer amount; the transferees in the transferee set share the target resource transfer amount.

8. A resource transfer device, characterized in that: The device comprises: The transferee information acquisition interface display module is used to display the transferee information acquisition interface; A resource management party acquisition module is used to acquire the resource management party corresponding to the transferee through the transferee information acquisition interface; An identity authentication module is configured to obtain an identity authentication result of the transferee by performing identity authentication on the transferee, and to use the transferee whose identity authentication result passes as the target resource transferee for which the credit limit is to be increased; wherein the transferee identity authentication result is obtained by performing a consistency check on the transferee identity information and the verification identity information, wherein the verification identity information is obtained from the server corresponding to the resource management party based on the transferee identity identifier corresponding to the transferee identity information; the transferee identity information is the transferor identity information corresponding to the target resource transferor; A first resource transfer interface display module, configured to display a first resource transfer interface for transferring resources from a target resource transferor corresponding to the local terminal to a target resource transferee; A first resource transfer amount acquisition module, configured to acquire a first resource transfer amount through the first resource transfer interface, where the first resource transfer amount is within the original transfer amount range before the amount is increased; a first resource transfer request sending module, configured to send a first resource transfer request to a resource transfer server according to the first resource transfer quantity, so that the resource transfer server executes a resource transfer task according to the first resource transfer request to transfer the resources of the first resource transfer quantity from the target resource transferor to the target resource transferee; A risk monitoring module, used for performing risk monitoring on the resource transfer task; The quota increase module is used to determine that the risk monitoring conditions are met when the time interval between the transfer time corresponding to the first resource transfer request and the current time reaches a time threshold, and the risk level corresponding to the resource transfer task is less than the level threshold, and add the target resource transferee to the transferee set corresponding to the target resource transfer quota, and the target resource transfer quota is greater than the original transfer quota; the transferees in the transferee set share the target resource transfer quota.

9. The resource transfer device according to claim 8, characterized in that: The device further comprises: The trigger operation response module is used to trigger the operation according to the increase in the transferee's credit limit, and trigger the transferee information acquisition interface display module to display the transferee information acquisition interface.

10. The resource transfer device according to claim 9, characterized in that: The trigger operation response module is further configured to: According to the transferee's credit limit increase triggering operation, obtaining the transferor's identity information corresponding to the target resource transferor; The transferor's identity information is used as the transferee's identity information and displayed in the transferee's information acquisition interface.

11. The resource transfer device according to claim 8, characterized in that: The device further comprises: A target resource transferee display module, configured to display each target resource transferee in the transferee set; The second resource transfer interface display module is used to display a second resource transfer interface for transferring resources from the target resource transferor to the target resource transferee when a selection operation is received for the target resource transferee, so as to transfer resources according to the operation of the second resource transfer interface. The resource transfer amount corresponding to the second resource transfer interface is the target resource transfer amount.

12. The resource transfer device according to claim 11, characterized in that: The target resource transferee display module includes: The resource transfer entry display submodule is used to display the resource transfer entry corresponding to the target resource transfer quota; The target resource transferee display submodule is configured to display each target resource transferee in the transferee set when a trigger operation on the resource transfer entry is received.

13. The resource transfer device according to claim 8, characterized in that: The device further comprises: The verification status display module is used to display the credit limit increase verification status information based on the difference between the time interval and the time threshold.

14. A resource transfer device, characterized in that: The device comprises: A first resource transfer request receiving module is configured to receive a first resource transfer request sent by a resource transfer-out terminal, wherein the first resource transfer request carries a first resource transfer quantity, and the first resource transfer request is configured to request that the resources of the first resource transfer quantity be transferred from a target resource transferor corresponding to the resource transfer-out terminal to a target resource transferee, wherein the target resource transferee is a resource transferee whose credit limit is to be increased, and the first resource transfer quantity is within the original transfer credit limit range before the credit limit increase; wherein the target resource transferee is a transferee whose transferee identity authentication result is passed, and the transferee identity authentication result is obtained by performing a consistency check on the transferee identity information and the verification identity information, and the verification identity information is obtained from a server corresponding to a resource manager corresponding to the transferee based on a transferee identity identifier corresponding to the transferee identity information; the resource manager corresponding to the transferee is obtained through a transferee information acquisition interface; the transferee identity information is the transferor identity information corresponding to the target resource transferor; and the first resource transfer quantity is obtained through the first resource transfer interface; a resource transfer task execution module, configured to execute a resource transfer task according to the first resource transfer request; a time interval acquisition module, configured to acquire a time interval between a transfer time corresponding to the first resource transfer request and a current time; The quota increase module is used to determine that the risk monitoring conditions are met when the time interval reaches the duration threshold and the risk level corresponding to the resource transfer task is less than the level threshold, and add the target resource transferee to the transferee set corresponding to the target resource transfer quota. The target resource transfer quota is greater than the original transfer quota; the transferees in the transferee set share the target resource transfer quota.

15. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the method according to any one of claims 1 to 7 is implemented.

16. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

17. A computer program product comprising computer instructions, characterized in that When the computer instructions are executed by a processor, the method according to any one of claims 1 to 7 is implemented.

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