Resource transfer method and apparatus, computer device, and storage medium

Abstract

The application relates to a resource transfer method and device, computer equipment and a storage medium. The method comprises the following steps: displaying a first transfer information acquisition interface, the first transfer information acquisition interface is an information acquisition interface in which redundancy elimination is performed on information acquisition items corresponding to at least one resource management party information as target redundant items; acquiring first resource transfer-in party information through the first transfer information acquisition interface; acquiring first resource management party information corresponding to the first resource transfer-in party according to the first resource transfer-in party information, wherein the first information acquisition item corresponding to the first resource management party information is the target redundant item; and performing resource transfer according to the first resource transfer-in party information and the first resource management party information. The method can effectively improve the resource transfer efficiency.

Description

Technical Field

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

[0002] With the development of internet technology, methods for transferring resources via the internet have emerged, and more and more users are choosing to transfer resources online through resource transfer terminals. For example, users can conduct cross-border remittances or payments via the internet.

[0003] When resource transfers are required, users typically need to input various relevant information, such as the recipient's address. However, in traditional methods, the information input process is cumbersome, and in some cases, users cannot even obtain the relevant information, resulting in low efficiency in resource transfers. Summary of the Invention

[0004] Therefore, it is necessary to provide a resource transfer method, apparatus, computer equipment, and storage medium that can improve the efficiency of resource transfer in order to address the above-mentioned technical problems.

[0005] A resource transfer method, the method comprising:

[0006] The first transfer information acquisition interface is displayed. The first transfer information acquisition interface is an information acquisition interface that eliminates redundancy by taking the information acquisition item corresponding to at least one resource management party information as the target redundancy item.

[0007] The first resource transferee information is obtained through the first transfer information acquisition interface;

[0008] Based on the first resource transferee information, obtain the first resource manager information corresponding to the first resource transferee, and the first information acquisition item corresponding to the first resource manager information is the target redundancy item;

[0009] Resource transfer is performed based on the information of the first resource transferee and the information of the first resource manager.

[0010] A resource transfer device, the device comprising:

[0011] The interface display module is used to display the first transfer information acquisition interface, which is an information acquisition interface that eliminates redundancy by taking at least one information acquisition item corresponding to the information of a resource management party as the target redundancy item.

[0012] The information acquisition module is used to acquire information about the first resource transferee through the first transfer information acquisition interface; and to acquire information about the first resource manager corresponding to the first resource transferee based on the first resource transferee information, wherein the first information acquisition item corresponding to the first resource manager information is the target redundancy item.

[0013] The resource transfer module is used to transfer resources based on the information of the first resource transferee and the information of the first resource manager.

[0014] A computer device includes a memory and a processor, the memory storing a computer program, and the processor executing the computer program performing the following steps:

[0015] The first transfer information acquisition interface is displayed. The first transfer information acquisition interface is an information acquisition interface that eliminates redundancy by taking the information acquisition item corresponding to at least one resource management party information as the target redundancy item.

[0016] The first resource transferee information is obtained through the first transfer information acquisition interface;

[0017] Based on the first resource transferee information, obtain the first resource manager information corresponding to the first resource transferee, and the first information acquisition item corresponding to the first resource manager information is the target redundancy item;

[0018] Resource transfer is performed based on the information of the first resource transferee and the information of the first resource manager.

[0019] A computer-readable storage medium having a computer program stored thereon, the computer program performing the following steps when executed by a processor:

[0020] The first transfer information acquisition interface is displayed. The first transfer information acquisition interface is an information acquisition interface that eliminates redundancy by taking the information acquisition item corresponding to at least one resource management party information as the target redundancy item.

[0021] The first resource transferee information is obtained through the first transfer information acquisition interface;

[0022] Based on the first resource transferee information, obtain the first resource manager information corresponding to the first resource transferee, and the first information acquisition item corresponding to the first resource manager information is the target redundancy item;

[0023] Resource transfer is performed based on the information of the first resource transferee and the information of the first resource manager.

[0024] The aforementioned resource transfer method, apparatus, computer equipment, and storage medium, by displaying a first transfer information acquisition interface, which is an information acquisition interface that eliminates redundancy by treating at least one information acquisition item corresponding to resource manager information as a target redundancy item, thereby eliminating at least one information acquisition item corresponding to resource manager information in the first transfer information acquisition interface, and after displaying the first transfer information acquisition interface, obtaining the first resource transferee information through the first transfer information acquisition interface, obtaining the first resource manager information corresponding to the first resource transferee information based on the first resource transferee information, and the first information acquisition item corresponding to the first resource manager information being a target redundancy item, effectively reduces the amount of first resource manager information obtained through the first transfer information acquisition interface, improves the efficiency of obtaining the first resource manager information, and performs resource transfer based on the first resource transferee information and the first resource manager information, effectively improving the efficiency of resource transfer.

[0025] A resource transfer method, the method comprising:

[0026] The system receives an information acquisition request sent by a resource transfer terminal. The information acquisition request carries information about a first resource transferee. The information acquisition request is used to query information about a first resource manager corresponding to a first information acquisition item. The first information acquisition item is a target redundancy item corresponding to the first transfer information acquisition interface displayed by the resource transfer terminal.

[0027] In response to the information acquisition request, the first resource management party information corresponding to the first information acquisition item is acquired based on the first resource transferor information;

[0028] The first resource management party information is sent to the resource transfer terminal so that the resource transfer terminal can perform resource transfer based on the first resource transferee information and the first resource management party information.

[0029] In one embodiment, the method further includes:

[0030] Receive a resource transfer request sent by a resource transfer terminal, wherein the resource transfer request carries the information of the first resource transferee and the information of the first resource manager;

[0031] In response to the resource transfer request, verify the information of the first resource manager;

[0032] When the verification is successful, the first resource manager corresponding to the first resource manager information is instructed to transfer resources according to the first resource transferee information.

[0033] A resource transfer device, the device comprising:

[0034] The request receiving module is used to receive an information acquisition request sent by the resource transfer terminal. The information acquisition request carries the information of the first resource transferee. The information acquisition request is used to query the information of the first resource manager corresponding to the first information acquisition item. The first information acquisition item is the target redundancy item corresponding to the first transfer information acquisition interface displayed by the resource transfer terminal.

[0035] The information acquisition module is used to respond to the information acquisition request and acquire the first resource management party information corresponding to the first information acquisition item based on the first resource transferor information;

[0036] The information sending module is used to send the first resource management party information to the resource transfer terminal, so that the resource transfer terminal can perform resource transfer based on the first resource transferee information and the first resource management party information.

[0037] A computer device includes a memory and a processor, the memory storing a computer program, and the processor executing the computer program performing the following steps:

[0038] The system receives an information acquisition request sent by a resource transfer terminal. The information acquisition request carries information about a first resource transferee. The information acquisition request is used to query information about a first resource manager corresponding to a first information acquisition item. The first information acquisition item is a target redundancy item corresponding to the first transfer information acquisition interface displayed by the resource transfer terminal.

[0039] In response to the information acquisition request, the first resource management party information corresponding to the first information acquisition item is acquired based on the first resource transferor information;

[0040] The first resource management party information is sent to the resource transfer terminal so that the resource transfer terminal can perform resource transfer based on the first resource transferee information and the first resource management party information.

[0041] A computer-readable storage medium having a computer program stored thereon, the computer program performing the following steps when executed by a processor:

[0042] The system receives an information acquisition request sent by a resource transfer terminal. The information acquisition request carries information about a first resource transferee. The information acquisition request is used to query information about a first resource manager corresponding to a first information acquisition item. The first information acquisition item is a target redundancy item corresponding to the first transfer information acquisition interface displayed by the resource transfer terminal.

[0043] In response to the information acquisition request, the first resource management party information corresponding to the first information acquisition item is acquired based on the first resource transferor information;

[0044] The first resource management party information is sent to the resource transfer terminal so that the resource transfer terminal can perform resource transfer based on the first resource transferee information and the first resource management party information.

[0045] The aforementioned resource transfer method, apparatus, computer equipment, and storage medium receive an information acquisition request sent by a resource transfer terminal. The information acquisition request carries information about a first resource transferee and is used to query information about a first resource manager corresponding to a first information acquisition item. The first information acquisition item is the target redundancy item corresponding to the first transfer information acquisition interface displayed by the resource transfer terminal. By responding to the information acquisition request, the first resource manager information corresponding to the first information acquisition item is obtained based on the first resource transferee information. This effectively reduces the amount of first resource manager information obtained through the first transfer information acquisition interface, improving the efficiency of obtaining first resource manager information. By sending the first resource manager information to the resource transfer terminal, the resource transfer terminal can perform resource transfer based on the first resource transferee information and the first resource manager information, thereby effectively improving the efficiency of resource transfer. Attached Figure Description

[0046] Figure 1 This is a diagram illustrating the application environment of a resource transfer method in one embodiment;

[0047] Figure 2 This is a flowchart illustrating a resource transfer method in one embodiment;

[0048] Figure 3(a) is a schematic diagram of the interface corresponding to the first transfer information acquisition interface in one embodiment;

[0049] Figure 3(b) is a schematic diagram of the interface corresponding to the second transfer information acquisition interface in one embodiment;

[0050] Figure 4 This is a flowchart illustrating the resource transfer method in another embodiment;

[0051] Figure 5 This is a schematic diagram of the interface for resource transfer in one embodiment;

[0052] Figure 6 This is a schematic diagram of the resource transfer process in one embodiment;

[0053] Figure 7 This is a flowchart illustrating the resource transfer method in another embodiment;

[0054] Figure 8 This is a timing diagram of resource transfer in one embodiment;

[0055] Figure 9 This is a structural block diagram of a resource transfer device in one embodiment;

[0056] Figure 10 This is a structural block diagram of the resource transfer device in another embodiment;

[0057] Figure 11 This is an internal structural diagram of a computer device in one embodiment;

[0058] Figure 12 This is a diagram of the internal structure of a computer device in another embodiment. Detailed Implementation

[0059] To make the objectives, technical solutions, and advantages of this application clearer, the following detailed description is provided in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the scope of this application.

[0060] In the implementation of this application, the collection and processing of relevant data should strictly comply with the requirements of relevant laws and regulations, obtain the informed consent or separate consent of the personal information subject, and carry out subsequent data use and processing within the scope of laws and regulations and the authorization of the personal information subject.

[0061] The resource transfer method provided in this application can be applied to, for example... Figure 1 In the application environment shown, the resource transfer terminal 102 communicates with the resource transfer server 104 via a network. The resource transfer terminal 102 displays a first transfer information acquisition interface, which is an information acquisition interface that eliminates redundancy by using at least one information acquisition item corresponding to resource manager information as a target redundancy item. The resource transfer terminal 102 acquires the first resource transferee information through the first transfer information acquisition interface; based on the first resource transferee information, it acquires the first resource manager information corresponding to the first resource transferee, where the first information acquisition item corresponding to the first resource manager information is a target redundancy item; based on the first resource transferee information and the first resource manager information, the resource transfer terminal 102 sends a resource transfer request to the resource transfer server 104 to perform the resource transfer. The resource transfer server 104 can be an independent physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server providing basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms. The resource transfer terminal 102 can be a smartphone, tablet, laptop, desktop computer, smart speaker, smartwatch, etc., but is not limited to these. The resource transfer terminal 102 and the resource transfer server 104 can be directly or indirectly connected via wired or wireless communication, which is not limited herein.

[0062] In one embodiment, such as Figure 2 As shown, a resource transfer method is provided, which can be applied to... Figure 1 Taking resource transfer terminal 102 as an example, the following steps are included:

[0063] Step 202: Display the first transfer information acquisition interface. The first transfer information acquisition interface is an information acquisition interface that eliminates redundancy by taking at least one information acquisition item corresponding to the resource management party information as the target redundancy item.

[0064] Resources refer to resources existing in an e-wallet that can be circulated via the internet, such as resources that can be circulated online to acquire ownership. Resources can specifically include, but are not limited to, account balances, virtual currencies, or cryptocurrencies, among others. Resource transfer refers to transferring resources from one user account to another, such as cross-border remittances. The party transferring resources from one user account is called the resource sender, and the corresponding user account receiving the resources is called the resource receiver. The resource sender or receiver can be an individual or a group. For example, in cross-border remittances, the resource sender can be a remitter or a remitting company, and the resource receiver can be a recipient or a receiving company. A resource manager is the party that manages the resources, such as the receiving bank corresponding to the recipient. The quantity of resources can be represented electronically. For example, an e-wallet can be used to store a user's currency holdings and can display the quantity of currency held by the user within the e-wallet. An e-wallet, also known as an e-stored value wallet, refers to an internet payment tool issued by a payment institution, such as a third-party payment institution. It is based on an internet electronic account, can be topped up through deposit channels, and is used for at least one application scenario, such as consumption, transfer, or remittance.

[0065] The information acquisition interface can be used to obtain the transfer information required for resource transfer, and the resource transfer terminal can display the first transfer information acquisition interface. Specifically, the resource transfer terminal can be the terminal corresponding to the resource transferor. The first transfer information acquisition interface refers to one of multiple information acquisition interfaces; "multiple" can represent two or more. When different transfer information needs to be obtained, the resource transfer terminal can display different information acquisition interfaces. It is understood that "first" and "second" are used to distinguish different content, such as different information acquisition interfaces, and do not restrict the display order of the information acquisition interfaces.

[0066] Information retrieval items correspond to the types of information needed for resource transfer. Each information retrieval item can correspond to different types of information, specifically at least one of the following: resource recipient information, resource transferor information, or resource manager information. For example, an information retrieval item could specifically correspond to the resource manager's name. The information retrieval interface can include multiple information retrieval items to obtain different types of transfer information.

[0067] The first transfer information acquisition interface uses at least one information acquisition item corresponding to resource manager information as a target redundancy item, and performs redundancy elimination on this target redundancy item. The target redundancy item can be pre-set according to actual application needs. For example, at least one information acquisition item corresponding to resource manager information can be determined as a target redundancy item based on the actual application scenario requirements, such as at least one of the resource manager's name or address. By eliminating the redundancy of the target redundancy item, the first transfer information acquisition interface displayed by the resource transfer terminal does not include the target redundancy item, thereby reducing the number of information acquisition items displayed on the first transfer information acquisition interface, reducing the interaction process between the resource transfer user and the resource transfer terminal, thus improving the efficiency of acquiring resource manager information and enhancing the user experience.

[0068] Step 204: Obtain the information of the first resource transferee through the first transfer information acquisition interface.

[0069] The first resource transferee information includes at least one of several types of information corresponding to the first resource transferee who needs to transfer resources. For example, the first resource transferee information may specifically include, but is not limited to, at least one of the following: the first resource transferee's name, account, or address. The resource transfer terminal can obtain the first resource transferee information through the displayed first transfer information acquisition interface. Specifically, the first transfer information acquisition interface may include resource transferee information acquisition items corresponding to the required first resource transferee information, and the resource transfer terminal can obtain the corresponding first resource transferee information based on these items. The first resource transferee information may be entered by the resource transferor's user or selected from multiple candidate resource transferee information.

[0070] For example, in the first transfer information acquisition interface corresponding to cross-border remittance, there is at least one payee information acquisition item corresponding to the payee information. The payee information specifically includes at least one of the payee name, payee account or payee address. The remittance user can enter the payee information corresponding to each payee information acquisition item through the first transfer information acquisition interface displayed on the resource transfer terminal, thereby obtaining the first resource transferee information through the first transfer information acquisition interface.

[0071] Step 206: Obtain the information of the first resource manager corresponding to the first resource transferee based on the first resource transferee information. The first information acquisition item corresponding to the first resource manager information is the target redundancy item.

[0072] Based on the obtained first resource transferee information, the corresponding first resource manager information can be obtained. The first information acquisition item corresponding to the first resource manager information is the target redundant item corresponding to the first transfer information acquisition interface. For example, the first resource manager information is specifically the receiving bank information corresponding to the payee, which can be obtained through the payee's corresponding receiving account. The first resource manager information can be obtained by the resource transfer terminal based on the first resource transferee information, allowing the resource transfer terminal to obtain the corresponding first resource manager information. Alternatively, it can be obtained by the resource transfer terminal through a resource transfer server. The resource transfer terminal can send an information acquisition request to the resource transfer server based on the first resource transferee information, causing the resource transfer server to respond to the request, acquire the first resource manager information based on the first resource transferee information, and return it to the resource transfer terminal. The resource transfer terminal can then receive the first resource manager information returned by the resource transfer server.

[0073] The first information retrieval item corresponding to the first resource manager's information is a target redundancy item. Redundancy was eliminated when displaying the first transfer information retrieval interface. Therefore, the information obtained through the first transfer information retrieval interface does not include the first resource manager's information; this information can be automatically obtained from the first resource transferee's information. In other words, the resource transferor does not need to input the first resource manager's information on the first transfer information retrieval interface, thus reducing the amount of data input by the resource transferor. Furthermore, even if the resource transferor is unaware of the first resource manager's information, it can be automatically obtained from the first resource transferee's information, effectively improving the efficiency of obtaining the first resource manager's information and thus enhancing the user experience.

[0074] Step 208: Transfer resources based on the information of the first resource transferee and the information of the first resource manager.

[0075] The resource transfer terminal can transfer resources based on the acquired information of the first resource recipient and the first resource manager. Specifically, the first resource recipient information is used to identify the corresponding first resource recipient, and the first resource manager information is used to identify the corresponding first resource manager. The first resource manager corresponds to the first resource recipient and is used to manage the resources corresponding to the first resource recipient. The resource transfer terminal can determine the first resource recipient for the resources to be transferred based on the first resource recipient information, and determine the first resource manager for the transferred resources based on the first resource manager information, and then transfer the resources to the first resource recipient through the first resource manager.

[0076] In this embodiment, by displaying a first transfer information acquisition interface, which eliminates redundancy by treating at least one information acquisition item corresponding to resource manager information as a target redundancy item, at least one information acquisition item corresponding to resource manager information is eliminated from the first transfer information acquisition interface, thus eliminating the need to acquire the first resource manager information through the first transfer information acquisition interface. After displaying the first transfer information acquisition interface, the first resource transferee information is acquired through the first transfer information acquisition interface. Based on the first resource transferee information, the corresponding first resource manager information is acquired. The first information acquisition item corresponding to the first resource manager information is a target redundancy item. Acquiring the first resource manager information corresponding to the target redundancy item through the first resource transferee information effectively improves the acquisition efficiency of the first resource manager information. Resource transfer is then performed based on the first resource transferee information and the first resource manager information, effectively improving the efficiency of resource transfer.

[0077] In one embodiment, the method further includes: displaying candidate resource transfer areas in response to a resource transfer triggering operation; receiving a selection operation for the candidate resource transfer areas; and when the candidate resource transfer area specified by the selection operation is a first resource transfer area, proceeding to the step of displaying a first transfer information acquisition interface.

[0078] When resource transfer is required, the resource-transferring user can trigger the resource transfer operation through the resource transfer terminal. The resource transfer trigger operation is used to request a resource transfer to the first resource recipient. Specifically, the resource transfer trigger operation can be at least one of the following: a click operation, a touch operation, a button operation, or a voice operation. For example, the resource transfer terminal can provide a resource transfer entry point through its display interface. This entry point can be a virtual button used to trigger the resource transfer. The resource-transferring user can click the virtual button through the corresponding input device on the resource transfer terminal to trigger the resource transfer operation through this entry point.

[0079] After receiving a resource transfer trigger operation, the resource transfer terminal can respond by displaying candidate resource transfer destination regions. Specifically, the resource transfer terminal can display candidate resource transfer destination regions through at least one of the following methods: list, tiled, or dropdown. The resource transfer destination region refers to the region to which the resource transfer is to be made. Candidate resource transfer destination regions can include at least one region, allowing the resource-transferring user to select the target region from the candidate regions. In different application scenarios, resource transfer destination regions can be divided according to different dimensions. For example, resource transfer destination regions can include at least one of different resource transfer destination cities, resource transfer destination provinces / cities, or resource transfer destination countries. For instance, candidate resource transfer destination regions can specifically include at least one of China, the United States, Canada, or the United Kingdom.

[0080] The resource transfer terminal can receive selection operations on the displayed candidate resource transfer areas. Specifically, the selection operation can be at least one of the following: a click operation, a touch operation, a voice operation, or a checkmark operation on the candidate resource transfer area. The resource transfer terminal can determine the candidate resource transfer area specified by the received selection operation. When the candidate resource transfer area specified by the selection operation is the first resource transfer area, the resource transfer terminal can proceed to the step of displaying the first transfer information acquisition interface, thereby displaying the first transfer information acquisition interface. The first resource transfer area can correspond to the first transfer information acquisition interface; different transfer information acquisition interfaces can be displayed for different resource transfer areas. For example, if the first resource transfer area is specifically China, when the resource-transferring user selects to transfer resources to China, the first transfer information acquisition interface, which has performed redundancy elimination on the target redundancy item, can be displayed.

[0081] In one embodiment, when the candidate resource transfer area specified by the operation is selected as the second resource transfer area, the resource transfer terminal can display a second transfer information acquisition interface corresponding to the second resource transfer area.

[0082] In one embodiment, when the candidate resource transfer area specified by the selected operation is chosen as the first resource transfer area, the resource transfer terminal can determine the target redundancy item corresponding to the first resource transfer area. There is a correspondence between resource transfer areas and redundancy items; different resource transfer areas may correspond to the same or different redundancy items, and some resource transfer areas may not have corresponding redundancy items. The correspondence between resource transfer areas and redundancy items can be pre-set according to actual application requirements. The target redundancy item corresponding to the first resource transfer area may include information acquisition items related to at least one resource management party corresponding to the first resource transfer area. For example, in cross-border remittances, the first resource management party is specifically the receiving bank corresponding to the payee, and the target redundancy item may include at least one of the information acquisition items corresponding to the receiving bank name, receiving bank address, or receiving bank identification code corresponding to the first resource transfer area.

[0083] The resource transfer terminal can display a first transfer information acquisition interface for redundancy elimination of the target redundancy item. The first transfer information acquisition interface does not include information acquisition items for at least one resource manager corresponding to the first resource transfer-in area. Therefore, the resource transfer-out user does not need to input the first resource manager information corresponding to the target redundancy item through the first transfer information acquisition interface, thereby reducing the amount of data input by the resource transfer-out user, effectively simplifying the information input operations required by the resource transfer-out user, reducing the interaction process between the resource transfer-out user and the resource transfer terminal, and thus effectively improving the user experience.

[0084] In this embodiment, in response to a resource transfer triggering operation, candidate resource transfer areas are displayed, and a selection operation for the candidate resource transfer areas is received. When the candidate resource transfer area specified by the selection operation is the first resource transfer area, the step of displaying the first transfer information acquisition interface is entered, thereby displaying the first transfer information acquisition interface corresponding to the first resource transfer area. Different transfer information acquisition interfaces are displayed for different resource transfer areas, so that different resource transfer information can be obtained through the transfer information acquisition interface. This is beneficial for determining the resource transfer information to be obtained based on the selected resource transfer area, improving the smoothness of first resource transfer information acquisition, and effectively improving the efficiency of first resource management party information acquisition.

[0085] In one embodiment, the method further includes: when the candidate resource transfer area specified by the selected operation is the second resource transfer area, displaying a second transfer information acquisition interface; acquiring second resource transferee information and second resource manager information through the second transfer information acquisition interface; and performing resource transfer based on the second resource transferee information and the second resource manager information.

[0086] After responding to a resource transfer trigger operation and displaying candidate resource transfer areas, the resource transfer terminal receives a selection operation for the candidate resource transfer area. When the candidate resource transfer area specified in the selection operation is a second resource transfer area, the resource transfer terminal can display a second transfer information acquisition interface corresponding to the second resource transfer area. Specifically, the second transfer information acquisition interface is an information acquisition interface that does not treat at least one information acquisition item corresponding to resource manager information as a target redundancy item for redundancy elimination. The second transfer information acquisition interface includes information acquisition items corresponding to resource manager information.

[0087] The resource transfer terminal can obtain information about the second resource recipient and the second resource manager through a second transfer information acquisition interface. Specifically, the second transfer information acquisition interface can include at least one information acquisition item corresponding to the resource recipient's information and an information acquisition item corresponding to the resource manager's information. The resource-transferring user can input the corresponding second resource recipient and second resource manager information according to the information acquisition items in the second transfer information acquisition interface. The resource transfer terminal can then perform resource transfer based on the second resource recipient and second resource manager information obtained through the second transfer information acquisition interface.

[0088] For example, as shown in Figures 3(a) and 3(b), Figure 3(a) is a schematic diagram of the interface corresponding to the first transfer information acquisition interface in one embodiment, and Figure 3(b) is a schematic diagram of the interface corresponding to the second transfer information acquisition interface in another embodiment. The first transfer information acquisition interface corresponds to the first resource transfer area and includes information acquisition items corresponding to the resource transferor information. Redundancy elimination is performed on the information acquisition items corresponding to the resource manager information. As shown in Figure 3(a), the resource transfer terminal can obtain the payee name, payee account, and payee address corresponding to the payee (i.e., the resource transferor) through the first transfer information acquisition interface. However, the second transfer information acquisition interface corresponds to the second resource transfer area and does not perform redundancy elimination on the target redundant items. As shown in Figure 3(b), compared with Figure 3(a), it can be seen that the second transfer information acquisition interface includes, in addition to the information acquisition items corresponding to the payee name, payee account, and payee address, the information acquisition items corresponding to the payee bank (i.e., the resource manager) include the payee bank name, payee bank address, and payee bank identification code. Users transferring resources can enter the recipient's information and the receiving bank's information through the second transfer information acquisition interface, and then transfer resources based on the acquired recipient and receiving bank information.

[0089] In this embodiment, when the selected candidate resource transfer area is designated as the second resource transfer area, a second transfer information acquisition interface is displayed. The second resource transferor information and the second resource manager information are directly obtained through this interface, allowing resource transfer to proceed based on these information. By displaying different transfer information acquisition interfaces for different resource transfer areas, the flexibility of resource transfer information acquisition is effectively improved.

[0090] In one embodiment, the first resource manager information includes a resource transfer identification code, such as... Figure 4 As shown, a resource transfer method is provided, which specifically includes the following steps:

[0091] Step 402: Display the first transfer information acquisition interface. The first transfer information acquisition interface is an information acquisition interface that eliminates redundancy by taking at least one information acquisition item corresponding to the resource management party information as the target redundancy item.

[0092] Step 404: Obtain the information of the first resource transferee through the first transfer information acquisition interface.

[0093] Step 406: Determine the corresponding resource management type based on the first resource transferee account in the first resource transferee information.

[0094] The first resource transferee information obtained by the resource transfer terminal through the first transfer information acquisition interface may include the first resource transferee account corresponding to the first resource transferee. The first resource transferee account can be used to identify the first resource transferee. Specifically, the first resource transferee account can be a data string including at least one of numbers or letters. For example, the first resource transferee account can specifically be the receiving bank card number corresponding to the payee.

[0095] After obtaining the first resource transferee information through the first transfer information acquisition interface, the resource transfer terminal can determine the corresponding resource manager type based on the first resource transferee account information. The resource manager type refers to the type of resource manager; different resource transferees can correspond to the same or different types of resource managers. For example, when the resource manager is specifically a receiving bank, different payees can correspond to the same or different receiving banks.

[0096] Specifically, a pre-set correspondence exists between the resource transferor's account and the resource manager's type. The resource transfer terminal can determine the resource manager's type corresponding to the first resource transferor's account based on this correspondence. This correspondence can be between the complete resource transferor account and the resource manager's type, or it can be between a portion of the resource transferor account and the resource manager's type. For example, when the first resource transferor's account is specifically a receiving bank card number, the resource transfer terminal can identify the BIN (Bank Identification Number) within the receiving bank card number. The BIN is typically the first six digits of the bank card number. The resource transfer terminal can then determine the receiving bank corresponding to the receiving bank card number through the correspondence between the BIN and the bank.

[0097] Step 408: Determine the account generation strategy corresponding to the resource manager type, and determine the first resource manager identifier based on the account generation strategy and the first resource transferee account.

[0098] The resource transfer terminal can determine the account generation strategy corresponding to the resource manager type. The account generation strategy refers to the generation rules used by the resource manager to generate the resource recipient's account. Different resource manager types may use the same or different account generation strategies. For example, when the resource recipient's account is a bank card number, the resource transfer terminal can obtain the corresponding card number generation strategy based on the determined bank. Different banks may have their own card number generation rules. For instance, some banks' card number rules are specifically "6-digit BIN number + 12-digit personal identification code + 1-digit check code," while others' rules are specifically "4-digit area code + 4-digit branch number + 2-digit account type application number + 7-digit sequence number + 2-digit check code."

[0099] The resource transfer terminal can determine the first resource manager identifier based on the account generation strategy and the first resource recipient's account. Specifically, the resource transfer terminal can determine the attributes represented by each part of the first resource recipient's account based on the account generation strategy corresponding to the resource manager type. The resource transfer terminal can determine the first resource manager identifier using the attributes represented by each part and the first resource recipient's account. The first resource manager identifier can be an identifier code corresponding to the first resource manager.

[0100] For example, in cross-border remittances, the identifier of the first resource manager can specifically be the interbank code corresponding to the receiving bank. The interbank code is a unique identifier for a bank in a region, specifically represented as "3-digit bank code + 4-digit city code + 4-digit bank code + 1-digit check digit". The resource transfer terminal can determine the city and branch number of the receiving bank based on the account generation strategy and the account of the first resource transferee, and then determine the corresponding interbank code of the receiving bank based on the city and branch number.

[0101] Step 410: Determine the resource transfer identification code corresponding to the first resource manager based on the first resource manager's identifier.

[0102] A resource transfer identification code is a code used to identify the resource manager when transferring resources. For example, when making cross-border remittances through SWIFT (Society for Worldwide Interbank Financial Telecommunications), the resource transfer identification code is specifically the BIC (Bank Identifier Code) corresponding to the receiving bank, as determined by the SWIFT organization, also known as the SWIFT Code.

[0103] Resource transfer terminals or servers can maintain a mapping between resource manager identifiers and resource transfer identification codes. This mapping can be stored and maintained in the form of a data table, which may include a serial number, resource manager identifier, resource transfer identification code, and the city or country where the resource manager is located. The resource transfer terminal can use this mapping to determine the resource transfer identification code corresponding to the first resource manager, based on the first resource manager identifier.

[0104] For example, a resource transfer terminal can maintain a mapping between bank interbank codes and SWIFT codes. The terminal can then obtain the SWIFT code corresponding to the receiving bank based on the interbank code. It's understood that the resource transfer identification code is essential information for identifying the resource manager during the resource transfer process. However, most users transferring resources out or receiving resources do not know the resource transfer identification code corresponding to the resource manager (e.g., the SWIFT code of the receiving bank). Therefore, the traditional method of having the transferring user input the resource transfer identification code is cumbersome and may not even yield accurate results. In this embodiment, the resource manager type is determined based on the first resource recipient's account. The first resource manager identifier is determined based on the account generation strategy corresponding to the resource manager type and the first resource recipient's account. The resource transfer identification code corresponding to the first resource manager is automatically determined based on the identifier, eliminating the need for the transferring user to manually input the code and effectively improving the efficiency and accuracy of resource transfer identification code acquisition.

[0105] In one embodiment, after obtaining the account number of the first resource transferor, the resource transfer terminal can generate an information retrieval request carrying the first resource transferor's account number and send the information retrieval request to a resource transfer server or an information query server. For example, in a cross-border remittance process, the resource transfer server can specifically be a bank server or a server corresponding to SWIFT, and the information query server can be a server capable of querying the information of the first resource manager, such as a UnionPay server. The information retrieval request can be used to instruct the resource transfer server or the information query server to query the information of the first resource manager corresponding to the first resource transferor's account. The first resource manager information includes at least one of a resource transfer identification code, the name of the first resource manager, or the address of the first resource manager. The resource transfer terminal can receive the first resource manager information fed back by the resource transfer server or the information query server, thereby obtaining the first resource manager information corresponding to the first resource manager.

[0106] Step 412: Transfer resources based on the information of the first resource transferee and the information of the first resource manager.

[0107] The resource transfer terminal can perform resource transfers based on the first resource recipient information input by the resource transferor user and the first resource manager information automatically obtained from the first resource recipient information. Specifically, the resource transfer terminal can generate a resource transfer request, which carries the obtained first resource recipient information and first resource manager information. The resource transfer terminal sends the resource transfer request to the resource transfer server, enabling the resource transfer server to perform the resource transfer based on the first resource recipient information and first resource manager information. For example, in cross-border remittances via SWIFT, the resource transfer server is specifically the server corresponding to SWIFT. The resource transfer terminal can adopt the corresponding SWIFT message format and generate a resource transfer request message based on the first resource recipient information and first resource manager information. The first resource manager information may include, but is not limited to, the SWIFT Code corresponding to the first resource manager. The resource transfer terminal can then send the resource transfer request message to the server corresponding to SWIFT, thereby conducting cross-border remittances via SWIFT.

[0108] In this embodiment, the corresponding resource manager type is determined based on the first resource transferee account in the first resource transferee information. By determining the account generation strategy corresponding to the resource manager type, the first resource manager identifier is determined based on the account generation strategy and the first resource transferee account. Then, the resource transfer identification code corresponding to the first resource manager is determined based on the first resource manager identifier. Since the resource transferor usually does not know the resource transfer identification code corresponding to the first resource manager and it is difficult to obtain the resource transfer identification code through the first transfer information acquisition interface, the resource transfer identification code corresponding to the first resource manager is automatically obtained through the first resource transferee account, which effectively improves the efficiency and accuracy of obtaining the resource transfer identification code.

[0109] In one embodiment, the step of obtaining the first resource manager information corresponding to the first resource transferee based on the first resource transferee information includes: filtering candidate resource manager information from the resource manager information set based on the first resource transferee information; and in response to the selection operation of the candidate resource manager information, determining the candidate resource manager information specified by the selection operation as the first resource manager information corresponding to the first resource transferee.

[0110] In addition to directly obtaining the information of the first resource manager corresponding to the first resource transferee based on the first resource transferee information, the resource transfer terminal can also narrow down the selection range of the information of the resource manager corresponding to the first resource transferee based on the first resource transferee information. By allowing the resource transfer-out user to select the information of the first resource manager corresponding to the first resource transferee, the accuracy of the first resource manager information can be improved.

[0111] Specifically, the resource transfer terminal can filter candidate resource manager information from the resource manager information set based on the first resource transferee information. The candidate resource manager information may include resource manager information corresponding to at least one candidate resource manager. The first resource transferee information may include at least one piece of information used for filtering candidate resource managers. For example, the first resource transferee information may include the first resource transferee account; the resource transfer terminal can determine the corresponding candidate resource manager based on the first resource transferee account and filter the candidate resource manager information corresponding to the candidate resource manager from the resource manager information set.

[0112] In one embodiment, the resource transfer terminal can also filter candidate resource manager information corresponding to candidate resource managers located within the first resource receiving region, based on the first resource receiving region selected by the resource transferor. For example, in a cross-border remittance process, the resource transfer terminal can determine the receiving bank as Bank A based on the first resource receiving account number in the first resource receiving information, and determine Bank A located in China as a candidate receiving bank based on the first resource receiving region, such as China, thereby filtering the Bank A information corresponding to each Bank A located in China as candidate resource manager information.

[0113] The resource transfer terminal can display filtered candidate resource manager information through a display interface and receive selection operations on the candidate resource manager information. Specifically, the resource transfer terminal can display the candidate resource manager information through at least one of the following methods: list, tiled, or dropdown. The selection operation can be at least one of the following: click, touch, voice, or checkbox operation on the candidate resource manager information. In response to the received selection operation on the candidate resource manager information, the resource transfer terminal can identify the selected candidate resource manager information as the first resource manager information corresponding to the first resource transfer recipient.

[0114] In this embodiment, candidate resource manager information is filtered from the resource manager information set based on the first resource transferee information, which effectively narrows the filtering range of candidate resource manager information and improves the filtering speed of candidate resource manager information. By responding to the selection operation of candidate resource manager information, the candidate resource manager information specified by the selection operation is determined as the first resource manager information corresponding to the first resource transferee, which effectively improves the acquisition efficiency of the first resource manager information, thereby helping to improve the resource transfer efficiency.

[0115] In one embodiment, the step of transferring resources based on the first resource transferee information and the first resource manager information includes: displaying a transfer information confirmation interface, which displays the first resource transferee information and the first resource manager information; and in response to an information confirmation operation triggered by the transfer information confirmation interface, performing resource transfer based on the resource transferee information and the resource manager information in the transfer information confirmation interface.

[0116] The resource transfer terminal can display a transfer information confirmation interface, which shows the information of the first resource recipient and the first resource manager. The resource transfer terminal can display the transfer information confirmation interface after obtaining the first resource manager information based on the first resource recipient information, or it can load and display the first resource recipient and first resource manager information after entering the transfer information confirmation interface.

[0117] The information of the first resource transferee may include, but is not limited to, at least one of the following: the name of the first resource transferee, the account of the first resource transferee, or the address of the first resource transferee. The information of the first resource manager may include, but is not limited to, at least one of the following: the name of the first resource manager, the resource transfer identification code, or the address of the first resource manager.

[0118] The resource transfer terminal can display the information of the first resource recipient and the first resource manager through a transfer information confirmation interface, allowing the resource-transferring user to confirm these information for the purpose of resource transfer. The resource transfer terminal can respond to an information confirmation operation triggered by the transfer information confirmation interface and perform the resource transfer based on the resource recipient and resource manager information displayed on the interface.

[0119] like Figure 5 As shown, Figure 5This is a schematic diagram of a resource transfer interface in one embodiment. The resource transfer process can specifically be a cross-border remittance process. The resource transfer terminal can receive a resource transfer trigger operation, which can specifically be a click operation by the resource-transferring user on the cross-border remittance entry. In response to the resource transfer trigger operation, the resource transfer terminal can display candidate resource transfer-in regions, including but not limited to "China," "United States," or "Canada." When the candidate resource transfer-in region selected is "China," a first transfer information acquisition interface with redundancy elimination for the target redundant items is displayed. The resource transfer terminal can obtain the recipient's name, recipient's account number, and recipient's address corresponding to the first resource transferee through this interface. The resource transfer terminal can also display a resource configuration interface, where the resource-transferring user can confirm the type and quantity of resources to be transferred. For example, the resource type can specifically be "RMB," and the resource quantity can specifically be 5000. The resource transfer terminal can display a transfer information confirmation interface, which shows the recipient's name, account number, and address, as well as the receiving bank's name, SWIFT code, and address, obtained based on the recipient's account. The resource transferor can confirm the displayed information about the first resource recipient and the first resource manager. In response to the confirmation action triggered by the transfer information confirmation interface, the resource transfer terminal can obtain the resource transfer password to perform the resource transfer. Specifically, the confirmation action can be clicking the "Confirm" button on the transfer information confirmation interface.

[0120] In this embodiment, by displaying a transfer information confirmation interface, which shows the information of the first resource transferee and the first resource manager, in response to the information confirmation operation triggered by the transfer information confirmation interface, the resource transfer is performed based on the resource transferee and resource manager information in the transfer information confirmation interface, thereby effectively improving the accuracy of the first resource transferee and first resource manager information used for resource transfer, and improving the accuracy of resource transfer.

[0121] In one embodiment, the step of transferring resources based on the first resource transferee information and the first resource manager information further includes: in response to the correction operation of the first resource manager information in the transfer information confirmation interface, correcting the first resource manager information in the transfer information confirmation interface to obtain the corrected resource manager information.

[0122] After displaying the transfer information confirmation interface, the resource transfer terminal can also receive correction operations for the first resource manager information in the transfer information confirmation interface. If the user transferring the resource discovers an error in the first resource manager information through the transfer information confirmation interface, they can correct the first resource manager information in the transfer information confirmation interface through correction operations, thereby improving the accuracy of the resource manager information used for resource transfer. Specifically, the correction operations for the first resource manager information may include, but are not limited to, at least one of the following: adding, replacing, or deleting complete or partial information of the first resource manager.

[0123] Specifically, the transfer information confirmation interface can provide an entry point for correcting the information of the first resource manager. When the resource transfer terminal receives a trigger operation for the correction entry point, it switches the status of the first resource manager information to edit mode and corrects the information in response to the editing operation. The trigger operation for the correction entry point can be a click operation, and the editing operation for the first resource manager information can include, but is not limited to, at least one of the following: adding, replacing, or deleting information.

[0124] The resource transfer terminal can respond to a received correction operation on the first resource manager information in the transfer information confirmation interface, and correct the first resource manager information in the transfer information confirmation interface based on the correction operation to obtain the corrected resource manager information. After correcting the first resource manager information, the resource transfer terminal can respond to an information confirmation operation triggered by the transfer information confirmation interface, and perform resource transfer based on the resource recipient information in the transfer information confirmation interface and the corrected resource manager information.

[0125] In this embodiment, by responding to the correction operation of the first resource manager information in the transfer information confirmation interface, the first resource manager information in the transfer information confirmation interface is corrected to obtain the corrected resource manager information, and then the resource transfer is carried out based on the corrected resource manager information, which effectively improves the accuracy of the resource manager information used for resource transfer and the accuracy of resource transfer.

[0126] In one embodiment, the step of transferring resources based on the first resource transferee information and the first resource manager information includes: sending a resource transfer request to a resource transfer server, the resource transfer request carrying the first resource transferee information and the first resource manager information, so that the resource transfer server can verify the first resource manager information, and when the verification is successful, instructing the first resource manager to transfer resources based on the first resource transferee information.

[0127] Resource transfer terminals can perform resource transfers through resource transfer servers. Specifically, a resource transfer terminal can generate a resource transfer request and send it to the resource transfer server. The resource transfer request carries information about the first resource recipient and the first resource manager, and is used to request the resource transfer server to perform the resource transfer based on these information. For example, in cross-border remittances, a resource transfer terminal can perform resource transfers through a SWIFT-compliant server. Specifically, the terminal can use the SWIFT message format to generate a resource transfer request message corresponding to that format and send it to the SWIFT-compliant server to perform the resource transfer.

[0128] After receiving a resource transfer request from a resource transfer terminal, the resource transfer server can verify the information of the first resource manager to ensure its accuracy and legitimacy. If the verification passes, the resource transfer server can instruct the first resource manager to transfer resources according to the information of the first resource recipient, thereby transferring the resources to the recipient corresponding to the first resource recipient information.

[0129] In one embodiment, in addition to the information of the first resource recipient and the first resource manager, the resource transfer request may also carry information required for the resource transfer. For example, when generating a resource transfer request message according to the corresponding SWIFT message format, the information required for the resource transfer can be determined through the corresponding SWIFT message format, which may include, but is not limited to, resource transferor information, remittance bank information, or resource information. The resource transferor information includes the remitter's name, account number, or address; the remittance bank information includes the remittance bank's name, bank identification code, or address; and the resource information includes the resource type or quantity.

[0130] like Figure 6 As shown, Figure 6This is a schematic diagram of a resource transfer process in one embodiment. Different information can be obtained in different ways. For example, the resource transfer terminal can obtain the resource type or quantity input by the resource transferor through the resource configuration interface. The resource transferor information and the remittance bank information correspond to the resource transferor user, and the resource transfer terminal can automatically obtain the resource transferor information and remittance bank information corresponding to the resource transferor. Based on the obtained first resource transferee information, first resource manager information, resource transferor information, remittance bank information, and resource information, the resource transfer terminal generates a resource transfer request message using the corresponding SWIFT message format. After passing an anti-money laundering scan, the resource transfer request message is sent to the corresponding SWIFT server so that the corresponding SWIFT server can verify the first resource manager information. After successful verification, the server instructs the first resource manager to perform the resource transfer based on the first resource transferee information.

[0131] In this embodiment, by sending a resource transfer request to the resource transfer server, the resource transfer request carries the information of the first resource transferee and the first resource manager, so that the resource transfer server can verify the information of the first resource manager. When the verification is successful, the first resource manager is instructed to transfer resources according to the information of the first resource transferee, thereby effectively improving the efficiency and security of resource transfer.

[0132] This application also provides an application scenario where the resource transfer method described above is applied. Specifically, this resource transfer method is applied to a cross-border remittance scenario. The remitter can trigger a cross-border remittance through a corresponding remittance terminal. When the remittance terminal receives the trigger operation, it displays candidate resource transfer destination regions, which can be the country to which the cross-border remittance is to be transferred, such as China. The remittance terminal can determine the country selected by the remitter based on the selection operation, and can display different information retrieval interfaces depending on the selected country. For example, when the selected country is China, an information retrieval interface can be displayed that has eliminated redundancy in the information retrieval items corresponding to the receiving bank information, specifically including the receiving bank's SWIFT code. Since remitters usually do not know the receiving bank's SWIFT code, requiring the remitter to input the receiving bank's SWIFT code would be quite difficult. After eliminating redundancy in the information retrieval items corresponding to the receiving bank information, the remittance terminal only needs to enter the recipient's name, account number, and address on the information retrieval interface, effectively reducing the amount of data the remitter needs to input. The remittance terminal can determine the specific receiving bank based on the remitter's account number, such as a bank card number. For example, if it's Bank A, the terminal can determine Bank A's account generation strategy, identify the city and branch information of Bank A based on the account generation strategy and bank card number, determine Bank A's interbank code based on the city and branch information, and determine the corresponding bank interbank code based on the correspondence between the interbank code and SWIFT code. The receiving bank information may also include Bank A's name and address, which are required for cross-border remittances. The remittance terminal can display the acquired payee and bank information through the transfer information confirmation interface. The remitter can modify the payee bank information displayed on the transfer information confirmation interface. After the remitter confirms, the remittance terminal can generate a cross-border remittance request message using the corresponding SWIFT message format and send the cross-border remittance request message to the SWIFT server. After verifying the payee bank information, the terminal instructs the payee bank to transfer the corresponding currency to the payee's account.

[0133] In one embodiment, such as Figure 7 As shown, a resource transfer method is provided, which can be applied to... Figure 1 Taking resource transfer server 104 as an example, the following steps are included:

[0134] Step 702: Receive an information acquisition request sent by the resource transfer terminal. The information acquisition request carries the information of the first resource transferee. The information acquisition request is used to query the information of the first resource manager corresponding to the first information acquisition item. The first information acquisition item is the target redundancy item corresponding to the first transfer information acquisition interface displayed by the resource transfer terminal.

[0135] After obtaining the first resource recipient information through the first transfer information acquisition interface, the resource transfer terminal can send an information acquisition request to the resource transfer server. This request carries the first resource recipient information and is used to request the resource transfer server to query the first resource manager information corresponding to the first information acquisition item. The first information acquisition item is the target redundancy item displayed on the first transfer information acquisition interface of the resource transfer terminal. The first transfer information acquisition interface displayed on the resource transfer terminal eliminates redundancy in the target redundancy item, eliminating the need to obtain the corresponding first resource manager information through the interface. This reduces the amount of resource manager information input by the resource transferor and improves the efficiency of obtaining the first resource manager information by querying it through the information acquisition request.

[0136] Step 704: In response to the information acquisition request, obtain the first resource management party information corresponding to the first information acquisition item based on the first resource transferor information.

[0137] The resource transfer server can respond to a received information retrieval request and, based on the first resource transferee information carried in the information retrieval request, obtain the first resource manager information corresponding to the first information retrieval item. Specifically, the resource transfer server can obtain the first resource transferee account from the first resource transferee information and determine the first resource manager information corresponding to the first information retrieval item based on the first resource transferee account.

[0138] In one embodiment, the first resource manager information includes a resource transfer identification code. The step of obtaining the first resource manager information corresponding to the first information acquisition item based on the first resource transferee information includes: determining the corresponding resource manager type based on the first resource transferee account in the first resource transferee information; determining the account generation strategy corresponding to the resource manager type; determining the first resource manager identifier based on the account generation strategy and the first resource transferee account; and determining the resource transfer identification code corresponding to the first resource manager based on the first resource manager identifier.

[0139] The method by which the resource transfer server obtains the information of the first resource manager is similar to the method by which the resource transfer terminal obtains the information of the first resource manager based on the information of the first resource transferee in the above embodiment, so it will not be described again here.

[0140] Step 706: Send the first resource manager information to the resource transfer terminal so that the resource transfer terminal can perform resource transfer based on the first resource recipient information and the first resource manager information.

[0141] The resource transfer server can send the acquired first resource manager information to the resource transfer terminal, enabling the terminal to perform resource transfer based on the first resource recipient information and the first resource manager information. Specifically, the resource transfer server can receive resource transfer requests from the terminal, which carry the first resource manager information and the first resource recipient information. The resource transfer server can verify the first resource manager information; if the verification passes, it instructs the corresponding first resource manager to perform the resource transfer based on the first resource recipient information.

[0142] In one embodiment, the resource transfer server can receive a resource transfer request sent by a resource transfer terminal, the resource transfer request carrying information about a first resource recipient and information about a first resource manager. In response to the resource transfer request, the resource transfer server verifies the information about the first resource manager. If the verification passes, the server instructs the first resource manager corresponding to the first resource manager information to perform the resource transfer based on the information about the first resource recipient.

[0143] like Figure 8 As shown, Figure 8 This is a sequence diagram of resource transfer in one embodiment. The resource transfer server can maintain different resource manager data for different resource manager information. The resource transfer terminal can receive the first resource transferee information entered by the resource transferor through the first transfer information acquisition interface, and send an information acquisition request carrying the first resource transferee information to the resource transfer server. The resource transfer request can identify the first resource transferee account in the first resource transferee information, match the first resource manager name according to the BIN number in the first resource transferee account, determine the first resource manager identifier according to the account generation strategy corresponding to the first resource transferee account and resource manager type, such as the bank interbank code corresponding to the receiving bank, and determine the resource transfer identification code and first resource manager address, etc., based on the first resource manager identifier. The resource transfer server can return the acquired first resource manager information to the resource transfer terminal so that the resource transfer terminal can display the first resource manager information for information confirmation. Once the information is confirmed, the resource transfer terminal sends a resource transfer request to the resource transfer server. The resource transfer server responds to the resource transfer request by verifying information such as the first resource manager, and performs the resource transfer after the verification is successful.

[0144] In this embodiment, an information acquisition request sent by a resource transfer terminal is received. The information acquisition request carries the first resource transferee information and is used to query the first resource manager information corresponding to the first information acquisition item. The first information acquisition item is the target redundancy item corresponding to the first transfer information acquisition interface displayed by the resource transfer terminal. By responding to the information acquisition request, the first resource manager information corresponding to the first information acquisition item is obtained according to the first resource transferee information, which effectively reduces the amount of first resource manager information obtained through the first transfer information acquisition interface and improves the efficiency of obtaining the first resource manager information. By sending the first resource manager information to the resource transfer terminal, the resource transfer terminal can perform resource transfer according to the first resource transferee information and the first resource manager information, thereby effectively improving the efficiency of resource transfer.

[0145] It should be understood that, although Figure 2 , 4 The steps in flowchart 7 are shown sequentially as indicated by the arrows, but these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, there is no strict order in which these steps are performed; they can be executed in other orders. Furthermore, Figure 2 , 4 At least some of the steps in 7 may include multiple steps or multiple stages. These steps or stages are not necessarily completed at the same time, but may be executed at different times. The execution order of these steps or stages is not necessarily sequential, but may be executed in turn or alternately with other steps or at least some of the steps or stages in other steps.

[0146] In one embodiment, such as Figure 9 As shown, a resource transfer device 900 is provided. This device can be a software module, a hardware module, or a combination of both, integrated into a computer device. Specifically, the device includes: an interface display module 902, an information acquisition module 904, and a resource transfer module 906, wherein:

[0147] The interface display module 902 is used to display the first transfer information acquisition interface. The first transfer information acquisition interface is an information acquisition interface that eliminates redundancy by taking the information acquisition item corresponding to at least one resource management party information as the target redundancy item.

[0148] The information acquisition module 904 is used to acquire information about the first resource transferee through the first transfer information acquisition interface; and to acquire information about the first resource manager corresponding to the first resource transferee based on the first resource transferee information, wherein the first information acquisition item corresponding to the first resource manager information is a target redundancy item.

[0149] The resource transfer module 906 is used to transfer resources based on the information of the first resource transferee and the information of the first resource manager.

[0150] In one embodiment, the interface display module 902 is further configured to respond to a resource transfer triggering operation by displaying candidate resource transfer areas; receiving a selection operation for a candidate resource transfer area; and when the candidate resource transfer area specified by the selection operation is the first resource transfer area, proceeding to the step of displaying the first transfer information acquisition interface.

[0151] In one embodiment, the interface display module 902 is further configured to determine the target redundancy item corresponding to the first resource transfer area, the target redundancy item including information acquisition item of at least one resource management party information corresponding to the first resource transfer area; and display the first transfer information acquisition interface for redundancy elimination of the target redundancy item.

[0152] In one embodiment, the interface display module 902 is further configured to display a second transfer information acquisition interface when the candidate resource transfer area specified by the selected operation is the second resource transfer area; acquire the second resource transferee information and the second resource manager information through the second transfer information acquisition interface; and perform resource transfer based on the second resource transferee information and the second resource manager information.

[0153] In one embodiment, the first resource manager information includes a resource transfer identification code. The information acquisition module 904 is further configured to determine the corresponding resource manager type based on the first resource transferee account in the first resource transferee information; determine the account generation strategy corresponding to the resource manager type; determine the first resource manager identifier based on the account generation strategy and the first resource transferee account; and determine the resource transfer identification code corresponding to the first resource manager based on the first resource manager identifier.

[0154] In one embodiment, the information acquisition module 904 is further configured to filter candidate resource manager information from the resource manager information set based on the first resource transferee information; and in response to the selection operation of the candidate resource manager information, determine the candidate resource manager information specified by the selection operation as the first resource manager information corresponding to the first resource transferee.

[0155] In one embodiment, the resource transfer module 906 is further configured to display a transfer information confirmation interface, which displays information about the first resource transferee and information about the first resource manager; in response to an information confirmation operation triggered by the transfer information confirmation interface, resource transfer is performed based on the resource transferee and resource manager information in the transfer information confirmation interface.

[0156] In one embodiment, the resource transfer module 906 is further configured to, in response to a correction operation on the first resource manager information in the transfer information confirmation interface, correct the first resource manager information in the transfer information confirmation interface to obtain the corrected resource manager information.

[0157] In one embodiment, the resource transfer module 906 is further configured to send a resource transfer request to the resource transfer server. The resource transfer request carries information about the first resource transferee and information about the first resource manager, so that the resource transfer server can verify the information about the first resource manager. When the verification is successful, the first resource manager is instructed to transfer resources according to the information about the first resource transferee.

[0158] In one embodiment, such as Figure 10 As shown, a resource transfer device 1000 is provided. This device can be a software module, a hardware module, or a combination of both as part of a computer device. Specifically, the device includes: a request receiving module 1002, an information acquisition module 1004, and an information sending module 1006, wherein:

[0159] The request receiving module 1002 is used to receive an information acquisition request sent by the resource transfer terminal. The information acquisition request carries the information of the first resource transferee. The information acquisition request is used to query the information of the first resource manager corresponding to the first information acquisition item. The first information acquisition item is the target redundancy item corresponding to the first transfer information acquisition interface displayed by the resource transfer terminal.

[0160] The information acquisition module 1004 is used to respond to the information acquisition request and acquire the first resource management party information corresponding to the first information acquisition item based on the first resource transferor information.

[0161] The information sending module 1006 is used to send the first resource management party information to the resource transfer terminal, so that the resource transfer terminal can perform resource transfer based on the first resource transferee information and the first resource management party information.

[0162] In one embodiment, the first resource manager information includes a resource transfer identification code. The information acquisition module 1004 is further configured to determine the corresponding resource manager type based on the first resource transferee account in the first resource transferee information; determine the account generation strategy corresponding to the resource manager type; determine the first resource manager identifier based on the account generation strategy and the first resource transferee account; and determine the resource transfer identification code corresponding to the first resource manager based on the first resource manager identifier.

[0163] In one embodiment, the information sending module 1006 is further configured to receive a resource transfer request sent by the resource transfer terminal, the resource transfer request carrying information of the first resource transferee and information of the first resource manager; in response to the resource transfer request, verify the information of the first resource manager; when the verification passes, instruct the first resource manager corresponding to the first resource manager information to perform resource transfer according to the information of the first resource transferee.

[0164] Specific limitations regarding the resource transfer device can be found in the limitations of the resource transfer method described above, and will not be repeated here. Each module in the aforementioned resource transfer device can be implemented entirely or partially through software, hardware, or a combination thereof. These modules can be embedded in or independent of the processor in a computer device in hardware form, or stored in the memory of a computer device in software form, so that the processor can call and execute the operations corresponding to each module.

[0165] In one embodiment, a computer device is provided, which may be a resource transfer terminal, and its internal structure diagram may be as follows: Figure 11 As shown, the computer device includes a processor, memory, communication interface, display screen, and input devices connected via a system bus. The processor provides computing and control capabilities. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system and computer programs. The internal memory provides an environment for the operation of the operating system and computer programs stored in the non-volatile storage media. The communication interface is used for wired or wireless communication with external terminals; wireless communication can be achieved through Wi-Fi, carrier networks, NFC (Near Field Communication), or other technologies. When the computer program is executed by the processor, it implements a resource transfer method. The display screen can be an LCD screen or an e-ink screen. The input devices can be a touch layer covering the display screen, buttons, a trackball, or a touchpad mounted on the computer device casing, or an external keyboard, touchpad, or mouse.

[0166] In one embodiment, a computer device is provided, which may be a resource transfer server, and its internal structure diagram may be as follows: Figure 12As shown, the computer device includes a processor, memory, and a network interface connected via a system bus. The processor provides computing and control capabilities. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs stored in the non-volatile storage media. The database stores resource transfer data. The network interface communicates with external terminals via a network connection. When the computer program is executed by the processor, it implements a resource transfer method.

[0167] Those skilled in the art will understand that Figure 11 and Figure 12 The structure shown is merely a block diagram of a portion of the structure related to the present application and does not constitute a limitation on the computer device to which the present application is applied. Specific computer devices may include more or fewer components than those shown in the figure, or combine certain components, or have different component arrangements.

[0168] In one embodiment, a computer device is also provided, including a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program to implement the steps in the above method embodiments.

[0169] In one embodiment, a computer-readable storage medium is provided storing a computer program that, when executed by a processor, implements the steps in the above method embodiments.

[0170] In one embodiment, 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 in the above method embodiments.

[0171] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. The computer program can be stored in a non-volatile computer-readable storage medium, and when executed, it can include the processes of the embodiments of the methods described above. Any references to memory, storage, databases, or other media used in the embodiments provided in this application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, or optical storage, etc. Volatile memory can include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM), etc.

[0172] The technical features of the above embodiments can be combined in any way. For the sake of brevity, 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.

[0173] The embodiments described above are merely illustrative of several implementation methods of this application, and while the descriptions are relatively specific and detailed, they should not be construed as limiting the scope of the invention patent. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of this application, and these all fall within the protection scope of this application. Therefore, the protection scope of this patent application should be determined by the appended claims.

Claims

1. A resource transfer method, characterized in that, The method, executed by a resource transfer terminal, includes: In response to a resource transfer trigger operation, candidate resource transfer-in areas are displayed; the candidate resource transfer-in areas include at least one resource transfer-in area, which is the area to which the resource transfer needs to be initiated. Receive a selection operation for the candidate resource transfer area. When the candidate resource transfer area specified by the selection operation is the first resource transfer area, determine the target redundancy item corresponding to the first resource transfer area. The target redundancy item includes information acquisition items of at least one resource management party information corresponding to the first resource transfer area. Displays the first transfer information acquisition interface for redundancy elimination of the target redundancy item; The first resource transferee information is obtained through the first transfer information acquisition interface; the first resource transferee information includes the first resource transferee name, first resource transferee account and first resource transferee address, which are entered by the resource transferor or selected from multiple candidate first resource transferee information. Obtaining first resource manager information corresponding to the first resource transferee based on the first resource transferee information includes: identifying the bank identification code of the first resource transferee account in the first resource transferee information; determining the resource manager type corresponding to the first resource transferee account through the correspondence between the bank identification code and the bank, wherein the resource manager type includes the receiving bank; determining the account generation strategy corresponding to the resource manager type; and determining the first resource manager identifier based on the account generation strategy and the first resource transferee account. Based on the first resource manager identifier, the resource transfer identification code corresponding to the first resource manager is determined through the correspondence between the resource manager identifier and the resource transfer identification code. The first resource manager identifier is a bank interbank code. The first resource manager information includes the resource transfer identification code, and the first information acquisition item corresponding to the first resource manager information is the target redundancy item. The first resource manager information is obtained through a resource transfer server. Resource transfer is performed based on the information of the first resource transferee and the information of the first resource manager; When the candidate resource transfer area specified by the selection operation is the second resource transfer area, the second transfer information acquisition interface is displayed; the second transfer information acquisition interface is an information acquisition interface that does not use at least one resource manager information corresponding to the information acquisition item as a target redundancy item for redundancy elimination. The second resource transferee information and the second resource manager information are obtained through the second transfer information acquisition interface; Resource transfer is performed based on the information of the second resource recipient and the information of the second resource manager.

2. The method according to claim 1, characterized in that, The method further includes: Based on the first resource transferee information, candidate resource manager information is selected from the resource manager information set; In response to the selection operation of the candidate resource manager information, the candidate resource manager information specified by the selection operation is determined as the first resource manager information corresponding to the first resource transferee.

3. The method according to claim 1, characterized in that, The resource transfer based on the first resource transferee information and the first resource manager information includes: A transfer information confirmation interface is displayed, which shows the information of the first resource transferee and the first resource manager. In response to the information confirmation operation triggered by the transfer information confirmation interface, the resource transfer is performed based on the resource transferee information and resource management information in the transfer information confirmation interface.

4. The method according to claim 3, characterized in that, The resource transfer based on the first resource transferee information and the first resource manager information also includes: In response to the correction operation of the first resource manager information in the transfer information confirmation interface, the first resource manager information in the transfer information confirmation interface is corrected to obtain the corrected resource manager information.

5. The method according to claim 1, characterized in that, The resource transfer based on the first resource transferee information and the first resource manager information includes: A resource transfer request is sent to the resource transfer server. The resource transfer request carries the information of the first resource transferee and the information of the first resource manager, so that the resource transfer server can verify the information of the first resource manager. When the verification is successful, the first resource manager is instructed to perform the resource transfer according to the information of the first resource transferee.

6. A resource transfer method, characterized in that, The method, executed by a resource transfer server, includes: The system receives an information retrieval request sent by a resource transfer terminal. The request carries information about a first resource transferee and is used to query information about a first resource manager corresponding to a first information retrieval item. The first information retrieval item is a target redundancy item corresponding to the first transfer information retrieval interface displayed by the resource transfer terminal. The first resource manager information includes a resource transfer identification code. The first resource transferee information is obtained through the first transfer information retrieval interface and includes the name, account, and address of the first resource transferee (input by the resource transferor or selected from multiple candidate first resource transferee information). The first transfer information retrieval interface is an information retrieval interface with the target redundancy item having undergone redundancy elimination. The target redundancy item includes information retrieval items for at least one resource manager corresponding to a first resource transfer area. The target redundancy item corresponds to the first resource transfer area, which is selected from candidate resource transfer areas. The candidate resource transfer areas include at least one resource transfer area, which is the area to which the resource transfer needs to be performed. In response to the information acquisition request, the first resource manager information corresponding to the first information acquisition item is acquired based on the first resource transferee information, including: identifying the bank identification code of the first resource transferee account in the first resource transferee information; determining the resource manager type corresponding to the first resource transferee account through the correspondence between the bank identification code and the bank, wherein the resource manager type includes the receiving bank; determining the account generation strategy corresponding to the resource manager type; determining the first resource manager identifier based on the account generation strategy and the first resource transferee account; and determining the resource transfer identification code corresponding to the first resource manager based on the first resource manager identifier through the correspondence between the resource manager identifier and the resource transfer identification code, wherein the first resource manager identifier is a bank interbank code; The first resource management party information is sent to the resource transfer terminal so that the resource transfer terminal can perform resource transfer based on the first resource transferee information and the first resource management party information.

7. A resource transfer device, characterized in that, Performed by a resource transfer terminal, the device includes: The trigger response module is used to respond to a resource transfer trigger operation and display candidate resource transfer areas; the candidate resource transfer areas include at least one resource transfer area, which is the area to which the resource transfer needs to be transferred. The selection processing module is used to receive a selection operation for the candidate resource transfer area. When the candidate resource transfer area specified by the selection operation is the first resource transfer area, the module determines the target redundancy item corresponding to the first resource transfer area. The target redundancy item includes information acquisition items of at least one resource management party information corresponding to the first resource transfer area. The interface display module is used to display the first transfer information acquisition interface for redundancy elimination of the target redundancy item; The information acquisition module is used to acquire the first resource transferee information through the first transfer information acquisition interface; the first resource transferee information includes the first resource transferee name, first resource transferee account and first resource transferee address entered by the resource transferor or selected from multiple candidate first resource transferee information; The management information acquisition module is used to acquire first resource manager information corresponding to the first resource transferee based on the first resource transferee information. This includes: identifying the bank identification code of the first resource transferee account in the first resource transferee information; determining the resource manager type corresponding to the first resource transferee account through the correspondence between the bank identification code and banks, wherein the resource manager type includes a receiving bank; determining the account generation strategy corresponding to the resource manager type; determining the first resource manager identifier based on the account generation strategy and the first resource transferee account; and determining the resource transfer identification code corresponding to the first resource manager based on the first resource manager identifier through the correspondence between the resource manager identifier and a resource transfer identification code, wherein the first resource manager identifier is a bank interbank code; the first resource manager information includes the resource transfer identification code; the first information acquisition item corresponding to the first resource manager information is the target redundancy item; and the first resource manager information is obtained through a resource transfer server. The resource transfer module is used to transfer resources based on the first resource transferee information and the first resource manager information; The interface display module is further configured to display a second transfer information acquisition interface when the candidate resource transfer area specified by the selection operation is the second resource transfer area; the second transfer information acquisition interface is an information acquisition interface that does not use at least one resource manager information corresponding to the information acquisition item as a target redundancy item for redundancy elimination. The information acquisition module is also used to acquire information about the second resource transferee and information about the second resource manager through the second transfer information acquisition interface; The resource transfer module is also used to transfer resources based on the second resource transferee information and the second resource manager information.

8. The apparatus according to claim 7, characterized in that, The management information acquisition module is further configured to filter candidate resource management information from the resource management information set based on the first resource transferee information; and in response to the selection operation of the candidate resource management information, determine the candidate resource management information specified by the selection operation as the first resource management information corresponding to the first resource transferee.

9. The apparatus according to claim 7, characterized in that, The resource transfer module is also used to display a transfer information confirmation interface, which displays the information of the first resource transferee and the information of the first resource manager; in response to an information confirmation operation triggered by the transfer information confirmation interface, the resource transfer is performed based on the resource transferee information and resource manager information in the transfer information confirmation interface.

10. The apparatus according to claim 9, characterized in that, The resource transfer module is also used to respond to the correction operation of the first resource manager information in the transfer information confirmation interface, and to correct the first resource manager information in the transfer information confirmation interface to obtain the corrected resource manager information.

11. The apparatus according to claim 7, characterized in that, The resource transfer module is also used to send a resource transfer request to the resource transfer server. The resource transfer request carries the information of the first resource transferee and the information of the first resource manager, so that the resource transfer server can verify the information of the first resource manager. When the verification is successful, the first resource manager is instructed to transfer resources according to the information of the first resource transferee.

12. A resource transfer device, characterized in that, Performed by a resource transfer server, the apparatus includes: A request receiving module is used to receive an information acquisition request sent by a resource transfer terminal. The information acquisition request carries first resource transferee information and is used to query first resource manager information corresponding to a first information acquisition item. The first information acquisition item is a target redundancy item corresponding to the first transfer information acquisition interface displayed by the resource transfer terminal. The first resource manager information includes a resource transfer identification code. The first resource transferee information is obtained through the first transfer information acquisition interface and includes the first resource transferee name, first resource transferee account, and first resource transferee address entered by the resource transferor or selected from multiple candidate first resource transferee information. The first transfer information acquisition interface is an information acquisition interface with redundancy elimination performed on the target redundancy item. The target redundancy item includes information acquisition items for at least one resource manager information corresponding to a first resource transfer area. The target redundancy item corresponds to the first resource transfer area, which is selected from the candidate resource transfer areas. The candidate resource transfer areas include at least one resource transfer area, which is the area to which the resource transfer needs to be performed. An information processing module is configured to respond to the information acquisition request and acquire the first resource manager information corresponding to the first information acquisition item based on the first resource transferor information, including: identifying the bank identification code of the first resource transferor account in the first resource transferor information; determining the resource manager type corresponding to the first resource transferor account through the correspondence between the bank identification code and the bank, wherein the resource manager type includes the receiving bank; determining the account generation strategy corresponding to the resource manager type; determining the first resource manager identifier based on the account generation strategy and the first resource transferor account; and determining the resource transfer identification code corresponding to the first resource manager based on the first resource manager identifier through the correspondence between the resource manager identifier and the resource transfer identification code, wherein the first resource manager identifier is a bank interbank code; The information sending module is used to send the first resource management party information to the resource transfer terminal, so that the resource transfer terminal can perform resource transfer based on the first resource transferee information and the first resource management party information.

13. A computer device comprising a memory and a processor, wherein the memory stores a computer program, characterized in that, When the processor executes the computer program, it implements the method of any one of claims 1 to 6.

14. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the method of any one of claims 1 to 6.

15. A computer program product comprising computer instructions, characterized in that, When the computer instructions are executed by the processor, they implement the method of any one of claims 1 to 6.

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