A network resource transfer method, a fund transfer method, a repayment method and device

Abstract

The application discloses a network resource transfer method, a fund transfer method, a repayment method and device. The network resource transfer method comprises the following steps: receiving confirmation information of resource transfer and determining a target account according to the confirmation information; freezing network resources to be transferred; and when receiving a resource transfer instruction for the target account, unfreezing the network resources and transferring the network resources into the target account. After determining the network resources to be transferred, the network resources are frozen. Only when receiving a resource transfer instruction for the target account confirmed by a user, the frozen network resources are unfrozen and transferred into the target account. When receiving a resource transfer instruction for other accounts, the network resources cannot be transferred due to the freezing of the network resources, so that the problems in the prior art are solved.

Description

[0001] This application is a divisional application of patent application No. 2016107177162, filed on August 24, 2016, entitled "Network resource transfer method, fund transfer method, repayment method and device". TECHNICAL FIELD

[0002] The present application relates to the field of computer finance technology, and in particular to a network resource transfer method, a fund transfer method, a repayment method and device. BACKGROUND

[0003] With the development of information technology, people need to use network resources (such as virtual currency, QQ coins, etc.) when processing various transactions through the network. Since network resources are relatively scarce, there may be a lack of network resources during transaction processing, so it is particularly important to obtain network resources through resource transfer.

[0004] Currently, in the process of transferring network resources, the server processing the resource transfer business will put the resource transfer-in party contained in the confirmation information of the resource transfer-out party into a "confirmation record table" after receiving the confirmation information. Within a specified time window, the monitoring unit of the server will monitor the resource pool corresponding to the resource transfer-out party. When the monitoring unit monitors that there is network resource in the resource pool, the monitoring unit will initiate a resource transfer instruction to instruct the server to transfer the network resource to the resource transfer-in party in the "confirmation record table".

[0005] In actual application, with the rapid growth of the business volume of network resource transfer, after the server receives the confirmation information of the resource transfer-out party to the resource transfer-in party to transfer network resources, it may also receive the confirmation information of the resource transfer-out party to other resource transfer-in parties to transfer network resources within a specified time window. At this time, there are multiple resource transfer-in parties in the "confirmation record table". When the resource pool is monitored to have network resources, since there are multiple resource transfer-in parties in the "confirmation record table", the resource transfer instruction initiated by the monitoring unit may transfer the network resources to different resource transfer-in parties. Therefore, this resource transfer mode may not be able to transfer the network resources to a specified resource transfer-in party among them according to the needs of the resource transfer-out party when there are multiple resource transfer-in parties in the "confirmation record table". SUMMARY

[0006] In order to solve the problems in the prior art, the embodiments of the present application provide a network resource transfer method, a fund transfer method, a repayment method and device.

[0007] The embodiments of the present application provide a network resource transfer method, which comprises:

[0008] receiving the confirmation information of the resource transfer and determining a target account according to the confirmation information;

[0009] freezing the network resource to be transferred;

[0010] unfreezing the network resource and transferring the network resource to the target account when receiving a resource transfer instruction for the target account.

[0011] Preferably, when determining the target account according to the confirmation information, the method further comprises: determining a resource value of the required network resource according to the confirmation information; and

[0012] Before freezing the network resource to be transferred, the method further comprises:

[0013] matching the resource value of the network resource to be transferred with the resource value of the required network resource;

[0014] freezing the network resource to be transferred if the matching is successful.

[0015] Preferably, when a plurality of target accounts and resource values corresponding to the target accounts are determined according to the confirmation information,

[0016] The matching the resource value of the network resource to be transferred with the resource value of the required network resource specifically comprises:

[0017] matching the resource value of the network resource to be transferred with the sum of the resource values corresponding to the target accounts; and

[0018] The unfreezing the network resource to be transferred and transferring the network resource to the target account specifically comprises:

[0019] unfreezing the network resource to be transferred;

[0020] splitting the network resource to be transferred into corresponding sub-network resources according to the resource values corresponding to the target accounts;

[0021] transferring each sub-network resource to the corresponding target account.

[0022] Preferably, when freezing the network resource to be transferred, the method further comprises: generating an unfreezing code for unfreezing the network resource.

[0023] Preferably, the freezing the network resource to be transferred specifically comprises: setting the network resource to be transferred into a state of being untransferable, uncollateralizable and unassignable.

[0024] Embodiments of the present application also provide a fund transfer method, which comprises:

[0025] receiving the confirmation information of the fund transfer and determining a target fund account and a required fund amount according to the confirmation information.

[0026] matching the amount of the fund to be transferred with the required fund amount;

[0027] freezing the fund to be transferred if the matching is successful;

[0028] unfreezing and transferring the fund to be transferred into the target fund account when receiving a fund transfer instruction for the target fund account.

[0029] The embodiment of the present application further provides a repayment method, which comprises the following steps:

[0030] receiving repayment confirmation information and determining a repayment target account and a required repayment fund amount according to the confirmation information;

[0031] matching the amount of the repayment fund with the required repayment fund amount;

[0032] freezing the repayment fund if the matching is successful;

[0033] unfreezing and transferring the repayment fund into the repayment target account when receiving a repayment instruction for the repayment target account.

[0034] Preferably, the method further comprises the step that the fund of the repayment user injected into the designated account is determined as the repayment fund.

[0035] Preferably, the step of receiving the repayment confirmation information comprises the following steps:

[0036] receiving the repayment confirmation information input by the repayment user through a designated page; or,

[0037] receiving the repayment confirmation information input by the repayment user through a designated data transmission interface; or,

[0038] receiving a repayment file uploaded by the repayment user for confirming the repayment.

[0039] Preferably, the step of receiving the instruction of transferring the fund to the target fund account is performed when a repayment time point arrives.

[0040] The embodiment of the present application further provides a fund transfer device, which comprises a first determining unit, a first matching unit, a first freezing unit and a fund transfer unit, wherein:

[0041] The first determining unit receives confirmation information of fund transfer and determines a target fund account and a required fund amount according to the confirmation information.

[0042] The first matching unit matches the amount of the fund to be transferred with the required fund amount.

[0043] The first freezing unit freezes the funds to be transferred if the matching is successful;

[0044] The funds transfer unit unfreezes and transfers the funds to be transferred into the target fund account when receiving the funds transfer instruction for the target fund account.

[0045] The application also provides a repayment device, which comprises a second determination unit, a second matching unit, a second freezing unit and a repayment unit, wherein:

[0046] The second determination unit receives repayment confirmation information and determines the repayment target account and the required repayment fund amount according to the confirmation information;

[0047] The second matching unit matches the repayment fund amount with the required repayment fund amount;

[0048] The second freezing unit freezes the repayment fund if the matching is successful;

[0049] The repayment unit unfreezes and transfers the repayment fund into the repayment target account when receiving the repayment instruction for the repayment target account.

[0050] The above at least one technical solution adopted by the application can achieve the following beneficial effects:

[0051] After determining the network resource to be transferred, the network resource is frozen, and only when the resource transfer instruction for the target account confirmed by the user is received, the frozen network resource is unfreezed and transferred into the target account, and when the resource transfer instruction for other accounts is received, the network resource cannot be transferred due to the freezing of the network resource, thereby solving the problems in the prior art. BRIEF DESCRIPTION OF DRAWINGS

[0052] The accompanying drawings, which are included to provide a further understanding of the application and constitute a part of this application, illustrate embodiments of the application and, together with the description, serve to explain the application. In the drawings:

[0053] Figure 1 A specific implementation flowchart of a network resource transfer method provided by the application embodiment is shown in the figure;

[0054] Figure 2 A specific implementation flowchart of a funds transfer method provided by the application embodiment is shown in the figure;

[0055] Figure 3 A page confirmation diagram provided by the application embodiment is shown in the figure;

[0056] Figure 4A specific implementation flowchart of a repayment method provided by an embodiment of the present application is shown in the figure;

[0057] Figure 5 A scene diagram of a repayment method provided by an embodiment of the present application is shown in the figure;

[0058] Figure 6 A transfer diagram of repayment funds of a repayment method provided by an embodiment of the present application is shown in the figure;

[0059] Figure 7 A specific structure example diagram of a fund transfer device provided by an embodiment of the present application is shown in the figure;

[0060] Figure 8 A specific structure example diagram of a repayment device provided by an embodiment of the present application is shown in the figure. DETAILED DESCRIPTION

[0061] In order to make the objectives, technical solutions and advantages of the present application clearer, the technical solutions of the present application will be described below in detail with reference to the embodiments of the present application and the corresponding drawings. Obviously, the described embodiments are only some of the embodiments of the present application, but not all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative work fall within the scope of protection of the present application.

[0062] The technical solutions provided by the embodiments of the present application will be described in detail below with reference to the drawings.

[0063] Embodiment 1

[0064] As described above, with the development of information technology, people often need to transfer network resources in the process of daily affairs. The current network resource transfer method is that after the server receives the confirmation information of the resource transfer-out party, the resource transfer-in party contained in the confirmation information is put into the "confirmation record table", and the resource pool is monitored within a specified time window. When the server finds that there is a network resource in the resource pool, the server will transfer the network resource to the resource transfer-in party according to the resource transfer instruction of the monitoring unit.

[0065] However, with the rapid growth of the volume of network resource transfer business, after the server receives the confirmation information of the network resource transfer from the resource transfer-out party to the resource transfer-in party, the server may also receive the confirmation information of the network resource transfer to other resource transfer-in parties within the specified time window. At this time, the "confirmation record table" includes multiple resource transfer-in parties. When the server monitors the network resource in the resource pool, the server may receive different resource transfer instructions indicating the transfer of the network resource to different resource transfer-in parties due to the multiple resource transfer-in parties in the "confirmation record table". Therefore, this resource transfer method may not be able to transfer the network resource to a specified resource transfer-in party according to the needs of the resource transfer-out party when there are multiple resource transfer-in parties in the "confirmation record table".

[0066] For example, the server receives the confirmation information of the network resource transfer from the first user to the second user on June 5, and puts the second user into the "confirmation record table", and the specified time window is 3 days. Then, the server receives the confirmation information of the network resource transfer from the first user to the third user on June 6, and also puts the third user into the "confirmation record table", and the "confirmation record table" includes the second user and the third user. When the user deposits the network resource into the resource pool on June 7, the server may receive an instruction to transfer the network resource to the second user, and may also receive an instruction to transfer the network resource to the third user. Therefore, the phenomenon of fighting for the network resource occurs. At this time, if the first user wants to transfer the network resource on July 7 to the second user, the existing resource transfer method may cause transfer errors.

[0067] To solve the problems of the prior art, the embodiments of the present application provide a network resource transfer method, which is a method of a user server. As shown in the method, the steps of the method include: Figure 1 As shown in the method, the steps of the method include:

[0068] Step S11: receiving the confirmation information of the resource transfer and determining the target account according to the confirmation information.

[0069] Generally, the server can receive the confirmation information of the resource transfer after the user confirms the transfer of the network resource, and generally can determine the target account according to the confirmation information. In addition, after the user confirms the transfer of the network resource to the target account, the server generally also puts the target account into the confirmation record table.

[0070] For example, user A needs to transfer the network resource to user B. After user A confirms the transfer service, the server receives the confirmation information of the resource transfer, and analyzes the confirmation information to determine the account corresponding to user B (i.e., the target account).

[0071] Step S12: determining the network resource to be transferred.

[0072] In the actual network resource transfer process, the user usually has multiple accounts at the same time according to the needs, and uses a specific account among them for network resource transfer. Generally, the network resource transferred into the specific account by the user can be determined as the network resource to be transferred.

[0073] In particular, with the emergence of the application APP for network resource transfer, the user usually registers multiple login accounts (login accounts correspond to accounts), and each login account is applied to different purposes. Among them, network resource transfer can be performed using a certain login account. The network resource in the resource pool corresponding to the login account to which the user is transferred can be determined as the network resource to be transferred. Generally, after the server puts the target account into the confirmation record table according to the information confirmed by the user for transfer, it will also monitor the corresponding network resource pool. When it is monitored that there is network resource in the resource pool, the network resource is determined as the network resource to be transferred.

[0074] Step S13: freezing the network resource to be transferred.

[0075] Here, freezing the network resource to be transferred can be setting the network resource to be transferred to a state of being not transferable, not mortgageable and not assignable. In addition, when freezing the network resource to be transferred, a thawing code for thawing the network resource can also be generated, and the network resource can be thawed through the thawing code when needed.

[0076] Step S14: when receiving a resource transfer instruction for the target account, thawing and transferring the network resource into the target account.

[0077] Generally, the server can receive a resource transfer instruction for the target account at a certain time point or according to the active triggering of the user, so as to thaw the frozen network resource and transfer it into the target account.

[0078] It should be noted that in actual application, after the user confirms to transfer the network resource, the server will monitor the login account (as a resource pool) used by the user to transfer the network resource. When it is monitored that there is network resource in the resource pool, generally multiple resource transfer instructions will be received, and these resource transfer instructions are respectively for each account in the confirmation record table. Therefore, after receiving the resource transfer instruction, the server also needs to determine whether the resource transfer instruction is for the target account.

[0079] The second account in the resource transfer instruction can be matched with the target account. When the matching is successful, it indicates that the received resource transfer instruction is for the target account, and the network resource can be unfrozen and transferred to the target account according to the resource transfer instruction. When the matching fails, it indicates that the received resource transfer instruction is not for the target account, and the network resource cannot be transferred to the second account because the network resource is frozen.

[0080] Therefore, step S14 can be specifically step S141 as follows,

[0081] Step S141: When the resource transfer instruction is received, the second account in the resource transfer instruction is matched with the target account. If the matching is successful, the network resource to be transferred is unfrozen and transferred to the target account.

[0082] The network resource transfer method provided in Embodiment 1 of the present application is adopted. After the network resource to be transferred is determined, the network resource is frozen. Only when the resource transfer instruction for the target account confirmed by the user is received, the frozen network resource is unfrozen and transferred to the target account. When the resource transfer instruction for other accounts is received, the network resource cannot be transferred because the network resource is frozen, thereby solving the problem in the prior art.

[0083] For example, the user needs to transfer the network resource to account 1. After confirming to transfer the network resource to account 1, the account 1 and the account 2 are included in the confirmation record table. At this time, the user injects the network resource into the resource pool and freezes the network resource. After the server receives the instruction to transfer the network resource to account 2, the network resource cannot be transferred because the network resource is frozen. Only when the resource transfer instruction for account 1 is received, the network resource can be unfrozen and transferred to account 1.

[0084] It should be noted that in actual application, when the user confirms to transfer the network resource to other users, the user also needs to confirm the resource value of the network resource to be transferred, that is, when the server determines the target account according to the confirmation information of the transferred network resource, the server can also determine the resource value of the required network resource according to the confirmation information.

[0085] Therefore, between step S12 and step S13, the resource value of the network resource to be transferred can also be matched with the resource value of the required network resource. When the matching is successful, step S13 is performed. When the matching fails, prompt information can be sent to the user, and then the network resource is frozen or not frozen according to the selection of the user.

[0086] Further, when multiple target accounts are determined according to the confirmation information, and different resource values corresponding to the target accounts, matching the resource value of the network resource to be transferred with the resource value of the required network resource can be matching the resource value of the network resource to be transferred with the sum of the resource values corresponding to the target accounts, and when the matching is successful, the network resource to be transferred is frozen, and after the network resource to be transferred is unfrozen, the network resource to be transferred can be split into corresponding sub-network resources according to the resource values corresponding to the target accounts, and the sub-network resources are transferred to the corresponding target accounts.

[0087] For example, according to the confirmation information of the user transferring the network resource, it is determined that the network resource is transferred to account X and account Y, wherein the resource value of the network resource transferred to account X is a, and the resource value of the network resource transferred to account Y is b, then the resource value of the required network resource is (a+b), and the resource value of the network resource to be transferred is matched with (a+b), and after the matching is successful, the network resource is frozen; and after being unfrozen, the network resource is split into sub-network resource X' (resource value a) and sub-network resource Y' (resource value b), and is respectively transferred to account X and account Y.

[0088] Embodiment 1 of the present application is described according to the sequence of steps S11-S14, but in actual application, it is not necessarily implemented in this order. For example, steps S12 and S13 can be performed first, and then step S11; steps S12 and S11 can be performed first, and then step S13; or other ways can be performed, which do not affect the implementation effect of the present application.

[0089] Embodiment 2

[0090] In order to more clearly illustrate the network resource transfer method provided in embodiment 1, embodiment 2 provides an embodiment of the method in a specific application scenario of fund transfer, in which the network resource can be specifically funds. The fund transfer method provided in embodiment 2 is as shown in the following figure: Figure 2 The method includes the following steps:

[0091] Step S21: receiving confirmation information of fund transfer and determining target fund account and required fund amount according to the confirmation information.

[0092] After the user confirms the transfer of funds, the server receives the confirmation information of the transfer of funds, and can usually determine the target fund account according to the confirmation information. The user here can be a company, a financial institution, and an individual, etc. For a financial institution, it can include a bank, a fund, an insurance, etc. The target fund account can be a bank account, a fund account corresponding to the login account of the financial APP, or an insurance account, a fund account, etc.

[0093] In practical applications, the user can confirm the transfer of funds in various ways, and here are a few preferred schemes:

[0094] Preferred scheme one: page confirmation, that is, the user inputs confirmation information in a specified page to confirm, as shown in Figure 3

[0095] The specified page can be a specified repayment page, and after triggering the corresponding button in the specified repayment page, the transfer of funds to other users can be confirmed. This page confirmation method can be confirmed through a mobile terminal login specified page, or through a computer terminal login specified page, or through other computing devices (PAD, etc.) login specified page. Due to the diversification of the hardware devices used, the page method is very convenient for individuals to transfer funds.

[0096] Preferred scheme two: interface confirmation, that is, the user inputs confirmation information through the corresponding data transmission interface to confirm.

[0097] The data transmission interface here corresponds to the user, which can be a data transmission interface dedicated to the user.

[0098] In practical applications, for banks, insurance companies and other large-scale financial institutions, in order to enhance the security of the confirmation process, the corresponding data transmission interface can be allocated to these financial institutions, and different financial institutions can confirm through their respective data transmission interfaces.

[0099] Preferred scheme three: file confirmation, that is, the user uploads a corresponding confirmation file to confirm.

[0100] Usually, the user can determine the transfer of funds by uploading a confirmation file. After the server receives these confirmation files, it analyzes the files to determine the target fund account and the amount of funds to be transferred to the target account.

[0101] ​Of course, after the user confirms the transfer of funds to the target account, the server can put the target account into a confirmation record table, the recorded fund accounts in the confirmation record table are fund accounts that the user confirms to transfer funds to, and each fund account corresponds to a time window in which the user will complete the corresponding fund transfer process, and the time window can be set to 3 days or 5 days, etc.

[0102] The above-mentioned determination of the target fund account and the required amount of funds according to the confirmation information can determine the target fund account and the required amount of funds because the confirmation information usually includes the transferred object (i.e., the target fund account) and the amount of funds transferred.

[0103] It should be noted that when the financial institution performs fund transfer, it usually determines to transfer to a financing demand (purchase financing demand or repay the financing demand), the financing demand is associated with the target fund account, and after transferring to the financing demand, the funds will flow to the associated target fund account.

[0104] For example, the bank purchases financing demand A, which is a financing demand published by company B to raise project funds, so the financing demand A is associated with a certain account (target fund account) of company B in the background, and after the bank determines to transfer to the financing demand A, the server can determine the target fund account associated with the financing demand A and the required fund transfer through the confirmation information.

[0105] Step S22: Determine the fund to be transferred.

[0106] In actual application, with the emergence of the application APP for fund transfer, the user usually registers multiple login accounts, each of which is applied to different purposes. Among them, a certain account can be used exclusively for fund transfer, and the funds transferred into the login account by the user can be determined as the fund to be transferred.

[0107] For example, Alipay can be used for fund transfer, and the financial institution usually registers a special financial account (referred to as an institutional intermediary account) in Alipay for fund transfer during financial management, and the funds stored in the institutional intermediary account by the financial institution can be determined as the fund to be transferred.

[0108] Step S23: Match the amount of the fund to be transferred with the required amount of funds, and when the matching is successful, execute step S24.

[0109] Step S24: Freeze the fund to be transferred.

[0110] Determine the funds transferred into the specified account by the user as the repayment fund

[0111] The freezing of the funds to be transferred means setting the funds to be transferred into a state of being untransferable, uncollateralizable and unassignable.

[0112] After the funds to be transferred are determined, the amount of the funds to be transferred can be matched with the required amount of funds, and when the matching is successful, the funds to be transferred can be frozen.

[0113] For example, the financial institution deposits funds of 100,000 yuan (funds to be transferred) in the agency account, determines the information of the transfer through the financial institution, determines the required amount of funds (the amount of funds for this fund transfer) as 100,000 yuan, matches the amount of the funds to be transferred with the required amount of funds, and when the matching is successful, freezes the 100,000 yuan of the funds to be transferred.

[0114] In actual applications, when the funds to be transferred are frozen, a thawing code for thawing the funds to be transferred can also be generated, and when needed, the funds to be transferred can be thawed through the thawing code.

[0115] Of course, when the funds to be transferred fail to match the required amount of funds, the matching failure can be due to the funds to be transferred being more or less than the required amount of funds. The funds can be selected not to be frozen according to specific application scenarios, or the funds can be frozen as needed.

[0116] For example, when the financial institution makes a repayment to the financing demand, if the amount of the funds deposited by the financial institution in the agency account is less than the required amount of funds, resulting in a matching failure, the funds can be selected not to be frozen due to insufficient funds; if the amount of the funds deposited by the financial institution in the agency account is greater than the required amount of funds, the funds can be selected to be frozen to prevent the funds from being called by other financing demands. Of course, in other application scenarios, the selection can be made as needed when the matching fails.

[0117] In addition, when the matching fails, a prompt message can also be sent to the user to prompt the user that the deposited funds to be transferred do not match the amount of funds to be transferred.

[0118] Step S25: When receiving the fund transfer instruction for the target fund account, the funds are thawed and transferred to the target fund account.

[0119] After the funds to be transferred are frozen, the server will usually receive an instruction to transfer the funds to the target fund account at the time point of the transfer. The time point is usually related to a time window, or can be set by the user at a certain time point within the time window.

[0120] For example, the user determines to make a fund transfer on March 4, and the time window is 3 days (i.e., the fund transfer is required to be completed at the latest on March 6, 24:00), the transfer time point can be March 6, 24:00, or March 6, 17:00, or can be set by the user as a certain time point within the time window (e.g., the user sets March 6, 10:00 in the morning).

[0121] When the time point arrives, the server receives a fund transfer instruction initiated according to the target fund account in the confirmation record table, instructing the server to unfreeze the to-be-transferred fund and transfer it to the target fund account. Of course, in actual application, the server can also receive the instruction to transfer the fund according to the active triggering of the user. When unfreezing the to-be-transferred fund, the to-be-transferred fund can be unfrozen according to the generated unfreezing code.

[0122] It should be noted that in actual application, after the user confirms to make a fund transfer, the server monitors the login account (as a resource pool) of the user for transferring funds. When funds are monitored in the resource pool, multiple fund transfer instructions are generally received, and these fund transfer instructions are respectively for each account in the confirmation record table. Therefore, the server needs to determine whether the fund transfer instruction is for the target fund account after receiving the fund transfer instruction.

[0123] Generally, the second fund account and the target fund account in the fund transfer instruction can be matched. When the matching is successful, it indicates that the received fund transfer instruction is for the target fund account, and the frozen fund can be unfrozen and transferred to the target fund account according to the fund transfer instruction. When the matching fails, it indicates that the received fund transfer instruction is not for the target fund account, and at this time, the to-be-transferred fund is frozen and cannot be transferred to the second fund account.

[0124] Therefore, step S25 can be specifically step S251 as follows,

[0125] Step S251: When the fund transfer instruction is received, the second fund account in the fund transfer instruction is matched with the target fund account. If the matching is successful, the to-be-transferred fund is unfrozen and transferred to the target fund account.

[0126] By using the method provided in Embodiment 2, after the amount of the to-be-transferred fund and the required fund amount are matched successfully, the to-be-transferred fund is frozen. Even if the server receives an instruction to transfer the to-be-transferred fund to a fund account other than the target fund account, the fund transfer process cannot be completed. Only when an instruction to transfer the to-be-transferred fund to the target fund account is received, the fund can be unfrozen and the fund transfer can be completed, thereby solving the problems in the prior art.

[0127] For example, on June 5th, the server receives confirmation from user A that user A is transferring funds to user B and adds user B to the confirmation record table. The specified time window is 3 days. Then, on June 6th, the server receives confirmation from user A that user A is transferring funds to user C and adds user C to the confirmation record table as well. This confirmation record table includes both user B and user C (assuming the amount of funds transferred is the same). On June 7th, user A puts the funds into a designated fund account (resource pool) for transfer to user B.

[0128] In existing technology, the server does not freeze the funds. Therefore, upon receiving an instruction to transfer the funds to user C, the server might transfer network resources to user C, or upon receiving an instruction to transfer the funds to user B, the server might transfer network resources to user B, thus preventing the transfer of the funds to a specific user. Furthermore, in practical applications, since the 7th is the deadline for transferring funds to user B, transferring the funds to user C might result in the transfer to user B exceeding the deadline, posing a default risk to user A.

[0129] Using the method of this application, the server freezes the funds that user A put into the fund pool on June 7th. Within the time window, even if an instruction to transfer the funds to user C is received, the funds will not be transferred. Only when an instruction to transfer the funds to user B is received will the funds be unfrozen and transferred to user B. Therefore, the problem in the prior art is solved.

[0130] In actual fund transfer processes, financial institutions and other users often encounter situations where they need to repay loans to financing clients or other users. Therefore, the fund transfer method in Example 2 can also be specifically a repayment method, such as... Figure 4 As shown, this repayment method specifically includes the following steps:

[0131] Step S31: Receive repayment confirmation information and determine the target account for repayment and the required repayment amount based on the confirmation information.

[0132] In step S31, the server receives repayment confirmation information in the same way as in step S21, where the server receives confirmation information for fund transfer. Typically, the server can receive repayment confirmation information entered by the repayment user through a specified page (corresponding to page confirmation); or, receive repayment confirmation information entered by the repayment user through a specified data transmission interface (corresponding to interface confirmation); or, receive repayment documents uploaded by the repayment user to confirm the repayment (corresponding to document confirmation).

[0133] The repayment user herein refers to a user who makes a repayment, and the repayment user can also be a company, a financial institution or an individual. For example, a financial institution A makes a repayment to a user B, and the financial institution A is the repayment user herein.

[0134] When the financial institution makes a repayment, the financial institution can also make a repayment to a financing demand. The confirmation information of the repayment user usually includes information of the financing demand, and the information of the financing demand can be used to determine a repayment target account associated with the financing demand and a required repayment amount.

[0135] For example, a bank makes a repayment to a financing demand A, and the confirmation information of the repayment made by the bank includes information of the financing demand A, and the information of the financing demand A is associated with a repayment target account and a repayment amount required to be repaid to the repayment target account. In addition, in actual applications, the repayment target account usually can also have multiple repayment target accounts, and the repayment amounts of the respective repayment target accounts are usually different.

[0136] Step S32: Determine the repayment fund.

[0137] The fund transferred by the repayment user into the designated account can be determined as the repayment fund.

[0138] For example, the fund transferred by the financial institution into the Alipay agency account can be determined as the repayment fund.

[0139] Step S33: Match the amount of the repayment fund with the required repayment fund amount, and when the matching is successful, execute step S34.

[0140] Step S34: Freeze the repayment fund.

[0141] Freezing the repayment fund refers to setting the repayment fund to a state of being untransferable, uncollateralizable and unassignable. When the repayment fund is frozen, a corresponding unfreezing code can also be generated.

[0142] When the repayment target account has multiple repayment target accounts, each of the repayment target accounts corresponds to a different repayment amount, and the required repayment fund amount is the sum of the respective repayment amounts. Matching the amount of the repayment fund with the required repayment fund amount specifically refers to matching the amount of the repayment fund with the sum of the respective repayment amounts corresponding to the respective repayment target accounts.

[0143] For example, a user A and a user B purchase a financing demand issued by an insurance company C, and when the financing demand expires, the insurance company C needs to make a repayment to the financing demand. In the confirmation information of the repayment made by the insurance company C, the information of the financing demand is included, and the information of the financing demand is associated with the account of the user A and the account of the user B.

[0144] Of course, in the case of a failed match, the repayment fund can also be frozen or not frozen according to the specific circumstances. After a failed match, the user can also be prompted that the match has failed.

[0145] Step S35: When the fund transfer instruction for the repayment target account is received, the repayment fund is unfrozen and transferred to the repayment target account.

[0146] Generally, when the repayment time point arrives, the server will receive an instruction to transfer the repayment fund to the repayment target account, thereby unfreezing the repayment fund and transferring it to the repayment target account. Of course, the repayment fund can also be unfrozen by a corresponding unfreezing code.

[0147] Similar to the aforementioned time point, the repayment time point here is also generally related to a time window and can also be a time point set by the user within the time window, which will not be described here.

[0148] In addition, when the financial institution repays the financing demand, since the financing demand is usually associated with multiple investor accounts, after the repayment fund is unfrozen, the repayment fund can be split into multiple corresponding funds and transferred to the corresponding investor accounts.

[0149] In actual application, after the repayment user confirms to make a repayment, the server will monitor the login account (as a resource pool) used by the repayment user for the repayment. When the server monitors that there is fund in the resource pool, it will generally receive multiple repayment instructions, and these repayment instructions are respectively directed to each repayment account in the confirmation record table. Therefore, after receiving the repayment instruction, the server needs to determine whether the repayment instruction is directed to the repayment target account.

[0150] Generally, after receiving the repayment instruction, the server can match the second repayment account and the repayment target account included in the repayment instruction. When the match is successful, it means that the received repayment instruction is directed to the repayment target account, and the frozen repayment fund can be unfrozen and transferred to the repayment target account according to the repayment instruction. When the match fails, it means that the received repayment instruction is not directed to the repayment target account. At this time, since the repayment fund is frozen, the fund cannot be transferred to the second repayment account.

[0151] Therefore, step S35 can be specifically step S351 as follows,

[0152] Step S351: When the repayment instruction is received, match the second repayment account in the repayment instruction with the repayment target account. If the match is successful, unfreeze the repayment fund and transfer it to the repayment target account.

[0153] It should be noted that in this embodiment, the repayment method is developed in the order of steps S31-S35, but in actual application, it can also be executed in other orders. For example, the repayment user can first transfer the repayment fund into the designated account, and then determine the repayment, at this time, the server can first execute step S32, and then execute step S31. Therefore, this is only an exemplary description of the repayment method provided by the embodiment of the application, and by changing the order of steps, it is also within the protection scope of the application.

[0154] The repayment method provided by the application can be realized by hardware or software. The following is an exemplary description of the function modules of the server when the server processes the repayment business.

[0155] Generally, the server can be divided into the following modules in terms of function: confirmation module, monitoring module, freezing module, and repayment operation module.

[0156] The confirmation module is used to receive the corresponding repayment confirmation information after the user confirms the repayment, and determine the repayment target account and the required repayment fund amount according to the confirmation information. The confirmation module can be divided into a page repayment confirmation submodule, an interface repayment confirmation submodule, and a file repayment confirmation submodule according to different user repayment confirmation methods. The monitoring module puts the repayment target account into the confirmation record table and monitors the funds in the fund pool. When monitoring the funds in the fund pool, real-time monitoring or periodic monitoring (for example, 5 minutes) can be performed. The freezing module matches the amount of the funds in the fund pool with the repayment fund amount determined by the confirmation module, and freezes the funds after a successful match. The repayment operation module unfreezes the funds and transfers them into the repayment target account after receiving the repayment instruction for the repayment target account.

[0157] In addition, in actual application, the above modules or submodules can be split and combined as needed to form new business modules.

[0158] For example, the page repayment confirmation submodule, the interface repayment confirmation submodule, and the freezing module in the confirmation module are combined into a first repayment module. The functions of the first repayment module can include: 1. initiating page repayment or interface repayment when the user confirms through the page or the interface; 2. matching and freezing the funds; 3. calling the repayment operation module to perform repayment when the monitoring module monitors that the fund pool has funds; and

[0159] The file repayment confirmation submodule is used as a second repayment module. When the user confirms through the repayment file, the repayment file is verified, and the repayment operation module is called to initiate file repayment.

[0160] The monitoring module and the repayment operation module can be the same as the above-mentioned manner.

[0161] In order to further illustrate the repayment method provided in the present application, the application scenario of applying APP to repay financing demand through a financial institution can be used for explanation. In this application scenario, the repayment user is a financial institution, and the intermediary account in the institution is an account used for repayment of the financial institution in the application APP, such as Figure 5 The schematic diagram of each step is shown.

[0162] Step S41: The financial institution sends a repayment confirmation information to the server through the application APP;

[0163] The repayment confirmation information is used to confirm the repayment to the financing demand. After receiving the repayment confirmation information, the server indicates that the financial institution will repay the financing demand within a specified time window (usually 3 days). Moreover, the server can determine the corresponding financing demand and the amount of the required repayment funds according to the repayment confirmation information. Of course, the financing demand is associated with the repayment target account (including investor account 1, investor account 2, and investor account N, etc.) that purchases the financing demand.

[0164] Step S42: The financial institution injects the repayment funds into the intermediary account of the institution;

[0165] The server can determine the funds in the intermediary account of the institution as the repayment funds, and the intermediary account of the institution can be described as a "fund pool" in general.

[0166] Step S43: The amount of the repayment funds in the intermediary account of the institution is matched with the amount of the required repayment funds, and the repayment funds in the intermediary account of the institution are frozen when the matching is successful.

[0167] Step S44: At the repayment time point, the server receives the instruction to repay the financing demand, instructs to unfreeze the funds in the intermediary account of the institution and repay the investor account.

[0168] Step S45: The server unfreezes the funds on the intermediary account of the institution and transfers the corresponding funds into the investor account.

[0169] As Figure 6 The fund transfer process of steps S41-S45 is shown. The financial institution injects funds (repayment funds) into the fund pool, freezes the funds in the fund pool, so as to unfreeze the funds and realize the transfer after the server receives the transfer to the repayment target account (investor account 1, investor account 1, and investor account N, etc.).

[0170] Embodiment 3

[0171] Based on the same inventive concept as example 2, example 3 of the present application provides a fund transfer device. As shown in Figure 7 The device 70 includes a first determining unit 701, a first matching unit 702, a first freezing unit 703, and a fund transfer unit 704, wherein:

[0172] The first determining unit 701 receives confirmation information of fund transfer and determines a target fund account and a required fund amount according to the confirmation information;

[0173] The first matching unit 702 matches the amount of the fund to be transferred with the required fund amount;

[0174] The first freezing unit 703 freezes the fund to be transferred if the matching is successful;

[0175] The fund transfer unit 704 unfreezes the fund to be transferred and transfers it into the target fund account when receiving a fund transfer instruction for the target fund account.

[0176] The device 70 provided in example 3 of the present application can solve the problems in the prior art because the device 70 adopts the same inventive concept as example 2. In addition, in actual application, the device can be combined with specific hardware equipment to achieve other implementation effects. For example, the server is set in the form of a distributed system, the first determining unit 701, the first matching unit 702, the first freezing unit 703, and the fund transfer unit 704 are arranged in different servers in the distributed system respectively, and the fund transfer is performed through the mutual coordination of the distributed system. Compared with arranging each functional unit in the same server, the processing efficiency is higher.

[0177] Example 4

[0178] The fund transfer device can be used in the application scenario of repayment, and therefore example 4 of the present application provides a repayment device. As shown in Figure 8 The repayment device 80 includes a second determining unit 801, a second matching unit 802, a second freezing unit 803, and a repayment unit 804, wherein:

[0179] The second determining unit 801 receives repayment confirmation information and determines a repayment target account and a required repayment fund amount according to the confirmation information;

[0180] The second matching unit 802 matches the amount of the repayment fund with the required repayment fund amount;

[0181] The second freezing unit 803 freezes the repayment fund if the matching is successful;

[0182] The repayment unit 804, when receiving a repayment instruction for the repayment target account, unfreezes the repayment fund and transfers it into the repayment target account

[0183] The repayment device 80 provided by the embodiment 4 of the present application can solve the problems in the prior art in the application scenario of repayment, which will not be described here.

[0184] Those skilled in the art should understand that the embodiments of the present application can be provided as a method, a system, or a computer program product. Therefore, the present application can adopt a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present application can adopt a computer program product implemented on one or more computer usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer usable program codes.

[0185] The present application is described with reference to flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each flow and / or block in the flowcharts and / or block diagrams, and the combination of the flows and / or blocks in the flowcharts and / or block diagrams can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing devices to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing devices generate a means for implementing the functions specified in the flowcharts and / or block diagrams. Figure 1 one or more flows and / or blocks Figure 1 an apparatus that performs the functions specified in one or more flows and / or blocks.

[0186] These computer program instructions can also be stored in a computer readable storage medium that can direct the computer or other programmable data processing devices to work in a specific manner, so that the instructions stored in the computer readable storage medium produce a product including instruction apparatus, which implements the functions specified in the flowcharts and / or block diagrams. Figure 1 one or more flows and / or blocks Figure 1 an apparatus that performs the functions specified in one or more flows and / or blocks.

[0187] These computer program instructions can also be loaded into a computer or other programmable data processing device, so that a series of operation steps are performed on the computer or other programmable device to produce a computer implemented process, so that the instructions executed on the computer or other programmable device provide a means for implementing the functions specified in the flowcharts and / or block diagrams. Figure 1 one or more flows and / or blocks Figure 1 an apparatus that performs the functions specified in one or more flows and / or blocks.

[0188] In one typical arrangement, a computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.

[0189] The memory can include non-persistent memory and / or volatile memory, such as random access memory (RAM) having a cache area for the temporary storage of data. The memory can also include non-volatile memory, such as read only memory (ROM), electrically erasable read-only memory (EEPROM), flash memory, or other non-volatile memory. The memory can be another form of computer-readable media.

[0190] Computer-readable media includes permanent and non-permanent, removable and non-removable media implemented in any method or technology for the storage of information such as computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disc read-only memory (CD-ROM), digital versatile discs (DVDs) or other optical storage, magnetic cassettes, magnetic tapes, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information accessible to a computing device. According to the definition herein, computer-readable media does not include transitory media such as modulated data signals and carrier waves.

[0191] It should also be noted that the terms "comprising," "including," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements in the list, but can also include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without limitation, an element preceded by "comprises a" does not, without more constraints, foreclose the existence of additional identical elements in the process, method, article, or apparatus that comprises the element.

[0192] Those skilled in the art will appreciate that embodiments of the present application can be devised for a method, a system, or a computer program product. Accordingly, the present application can take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROMs, optical storage devices, and the like) embodying computer readable program code.

[0193] The above merely provides an example of the present application, and is not intended to limit the present application. For those skilled in the art, the present application can have various modifications and changes. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principle of the present application shall fall into the scope of claims of the present application.

Claims

1. A method of transferring a network resource, characterized by, The method comprises: receiving confirmation information of resource transfer and determining a plurality of target accounts and resource values corresponding to the target accounts according to the confirmation information, the confirmation information being confirmation information of network resource transfer from a resource transfer-out party to a resource transfer-in party; matching a resource value of network resources to be transferred with a sum of the resource values corresponding to the target accounts; when the matching is successful, freezing the network resources to be transferred, the network resources to be transferred including network resources in a resource pool; the matching being successful means that the resource value of the network resources to be transferred is equal to the sum of the resource values corresponding to the target accounts; when the matching is unsuccessful, if the resource value of the network resources to be transferred is less than the sum of the resource values corresponding to the target accounts, not freezing the network resources to be transferred, and if the resource value of the network resources to be transferred is greater than the sum of the resource values corresponding to the target accounts, freezing the network resources to be transferred, the network resources to be transferred including network resources in a resource pool; when a resource transfer instruction for the target account is received, unfreezing and transferring the network resources to the target account.

2. The method of claim 1, wherein, When the network resources to be transferred are frozen, the method further comprises generating an unfreezing code for unfreezing the network resources.

3. The method of claim 1, wherein, The freezing of the network resources to be transferred specifically comprises setting the network resources to be transferred to a state of being untransferable, uncollateralizable and unassignable.

4. A method of funds transfer, characterized by, The method comprises: receiving confirmation information of fund transfer and determining a plurality of target fund accounts and required fund amounts of the target fund accounts according to the confirmation information, the confirmation information being confirmation information of fund transfer from a fund transfer-out party to a fund transfer-in party; matching an amount of funds to be transferred with a sum of the required fund amounts of the target fund accounts; when the matching is successful, freezing the funds to be transferred, the funds to be transferred including funds in a resource pool; the matching being successful means that the amount of the funds to be transferred is equal to the sum of the fund amounts corresponding to the target accounts; when the matching is unsuccessful, if the amount of the funds to be transferred is less than the sum of the fund amounts corresponding to the target accounts, not freezing the funds to be transferred, and if the amount of the funds to be transferred is greater than the sum of the fund amounts corresponding to the target accounts, freezing the funds to be transferred, the funds to be transferred including funds in a resource pool; when a fund transfer instruction for the target fund account is received, unfreezing and transferring the funds to be transferred to the target fund account.

5. A repayment method characterized by comprising: The method comprises: receiving confirmation information of fund transfer and determining a plurality of target fund accounts and required fund amounts of the target fund accounts according to the confirmation information, the confirmation information being confirmation information of fund transfer from a fund transfer-out party to a fund transfer-in party; matching an amount of funds to be transferred with a sum of the required fund amounts of the target fund accounts; when the matching is successful, freezing the funds to be transferred, the funds to be transferred including funds in a resource pool; the matching being successful means that the amount of the funds to be transferred is equal to the sum of the fund amounts corresponding to the target accounts; If the amount of the funds to be transferred is less than the sum of the amounts of the funds corresponding to the target accounts when the matching fails, the funds to be transferred are not frozen, and if the amount of the funds to be transferred is greater than the sum of the amounts of the funds corresponding to the target accounts, the funds to be transferred are frozen, the funds to be transferred including the funds transferred into the resource pool; When the repayment instruction for the repayment target account is received, the repayment funds are unfrozen and transferred into the repayment target account.

6. The method of claim 5, wherein, The method further comprises determining the funds of the repayment user injected into the designated account as the repayment funds.

7. The method of claim 5, wherein, The received repayment confirmation information is specifically: The repayment confirmation information input by the repayment user through a designated page; or The repayment confirmation information input by the repayment user through a designated data transmission interface; or The repayment file uploaded by the repayment user to confirm the repayment.

8. The method of claim 5, wherein, When the repayment time point arrives, an instruction for transferring the funds to the target fund account is received.

9. A funds transfer device, characterized by Comprise: The first determination unit, the first matching unit, the first freezing unit and the fund transfer unit, wherein: The first determination unit receives confirmation information of fund transfer and determines a plurality of target fund accounts and the amount of funds required by each target fund account according to the confirmation information, the confirmation information being confirmation information of fund transfer from the fund transfer direction to the fund transfer direction; The first matching unit matches the amount of the funds to be transferred with the sum of the amounts of funds required by each target fund account; The first freezing unit freezes the funds to be transferred if the matching is successful, the funds to be transferred including the funds transferred into the resource pool; if the matching fails, the funds to be transferred are not frozen if the amount of the funds to be transferred is less than the sum of the amounts of the funds corresponding to the target accounts, and the funds to be transferred are frozen if the amount of the funds to be transferred is greater than the sum of the amounts of the funds corresponding to the target accounts, the funds to be transferred including the funds transferred into the resource pool; the matching success means that the amount of the funds to be transferred is equal to the sum of the amounts of the funds corresponding to the target accounts; The fund transfer unit unfreezes the funds to be transferred and transfers them into the target fund account when the fund transfer instruction for the target fund account is received.

10. A repayment device, characterized by Comprise: The second determination unit, the second matching unit, the second freezing unit and the repayment unit, wherein: The second determination unit receives repayment confirmation information and determines a plurality of repayment target accounts and the amount of repayment funds required by each repayment target account according to the confirmation information, the confirmation information being confirmation information of fund transfer from the fund transfer direction to the fund transfer direction; The second matching unit matches the amount of the repayment funds with the sum of the amounts of the repayment funds required by each repayment target account; The second freezing unit freezes the funds to be transferred if the matching is successful, the funds to be transferred including the funds transferred into the resource pool; if the matching fails, the funds to be transferred are not frozen if the amount of the funds to be transferred is less than the sum of the amounts of the funds corresponding to the target accounts, and the funds to be transferred are frozen if the amount of the funds to be transferred is greater than the sum of the amounts of the funds corresponding to the target accounts, the funds to be transferred including the funds transferred into the resource pool; the matching success means that the amount of the funds to be transferred is equal to the sum of the amounts of the funds corresponding to the target accounts; The second freezing unit freezes the repayment fund if the matching is successful, the repayment fund including the fund transferred into the resource pool; if the matching fails, the fund to be transferred is not frozen if the amount of the fund to be transferred is less than the sum of the amounts of the funds corresponding to the target accounts, and the fund to be transferred is frozen if the amount of the fund to be transferred is greater than the sum of the amounts of the funds corresponding to the target accounts, the fund to be transferred including the fund transferred into the resource pool; the matching success refers to that the amount of the fund to be transferred is equal to the sum of the amounts of the funds corresponding to the target accounts; The repayment unit unfreezes and transfers the repayment fund into the repayment target account when receiving the repayment instruction for the repayment target account.

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