Asset data processing method, computer device and readable storage medium

Abstract

The present application discloses an asset data processing method, a computer device, and a readable storage medium, the method comprising: receiving an asset transfer request from a terminal; the asset transfer request includes a transfer initiating object, a transfer receiving object, and a target transfer asset value; performing a transfer asset limit check on the asset transfer request based on a first cumulative transfer asset value corresponding to the transfer initiating object and a first limit threshold indicated by a first limit level, and obtaining a first check result; if the first check result is a successful check result, obtaining a target asset share, performing an asset type conversion on the target asset share based on a cross-border account relationship, obtaining a converted target asset share, and transferring the converted target asset share to the transfer receiving object; if the first check result is a failed check result, sending an identity authentication guidance message for prompting a limit to the terminal. By adopting the present application, the risks of asset transfer business can be protected and the security of asset supervision can be improved.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to an asset data processing method, a computer device, and a readable storage medium. Background Art

[0002] With the development of internet technology, online asset transfers are becoming increasingly common. When converting asset shares in a first currency into asset shares in a second currency via an asset conversion platform, the maximum amount of the asset transfer is often controlled to mitigate risk in asset liquidity.

[0003] When transferring assets between different currencies, the current method often involves first submitting the asset transfer value in the first currency to the backend. Backend staff then manually perform a limit check to confirm that the asset transfer value does not exceed the limit. Only then will the asset share in the first currency corresponding to the asset transfer value be obtained, converted into an equivalent asset share in the second currency, and transferred to the corresponding asset account. If a user requires a larger asset transfer limit, they can only proactively contact product customer service and provide relevant supporting documentation. Only after review by the backend staff can the asset transfer limit be manually increased. Whether manually conducting limit checks or manually increasing the asset transfer limit, errors are prone to occur, resulting in excessive asset transfers and low asset oversight security. Summary of the Invention

[0004] The embodiments of the present application provide an asset data processing method, a computer device, and a readable storage medium, which can automatically complete limit detection and quota adjustment, protect asset transfer business risks, and improve the security of asset supervision.

[0005] An embodiment of the present application provides, on one hand, a method for processing asset data, including:

[0006] The receiving terminal's asset transfer request includes the transfer initiator, the transfer recipient, and the target transfer asset value. The relationship between the asset accounts corresponding to the transfer initiator and the transfer recipient is a cross-border account relationship.

[0007] Performing a transfer asset limit verification on the asset transfer request based on a first accumulated transfer asset value corresponding to the transfer initiating object and a first limit threshold indicated by the first limit level to obtain a first verification result;

[0008] If the first verification result is a successful verification result, the target asset share corresponding to the target transfer asset value sent by the terminal is obtained, the asset type of the target asset share is converted according to the cross-border account relationship, and the converted target asset share is obtained, and the converted target asset share is transferred to the transfer recipient;

[0009] If the first verification result is a verification failure result, identity authentication guidance information for prompting the limit is sent to the terminal, so that the terminal uploads the identity authentication materials of the transfer initiating object according to the identity recognition guidance information; the identity authentication materials are used to update the first limit level corresponding to the transfer initiating object to the second limit level, and the second limit threshold indicated by the second limit level is greater than the first limit threshold.

[0010] An embodiment of the present application provides, on one hand, a method for processing asset data, including:

[0011] Respond to the trigger operation for the asset transfer function in the asset transfer interface to obtain the transfer initiator, transfer recipient, and target transfer asset value; the relationship between the asset accounts corresponding to the transfer initiator and transfer recipient is a cross-border account relationship;

[0012] Generate an asset transfer request based on the transfer initiator, transfer recipient, and target transfer asset value;

[0013] Sending the asset transfer request to the server, so that the server performs a transfer asset limit check on the target transfer asset value based on the asset transfer request, the accumulated transfer asset value corresponding to the transfer initiator, and the first limit threshold indicated by the first limit level, to obtain a first verification result;

[0014] If the first verification result is a successful verification result, the target asset shares corresponding to the target transfer asset value are sent to the server, so that the server converts the target asset shares into asset types based on the cross-border account relationship, obtains the converted target asset shares, and transfers the converted target asset shares to the transfer recipient;

[0015] If the first verification result is a verification failure result, obtain the identity authentication guidance information sent by the server for prompting the limit, and upload the identity authentication materials of the transfer initiating object according to the identity recognition guidance information; the identity authentication materials are used to update the first limit level corresponding to the transfer initiating object to the second limit level, and the second limit threshold indicated by the second limit level is greater than the first limit threshold.

[0016] In one aspect, an embodiment of the present application provides an asset data processing device, including:

[0017] A request receiving module is used to receive an asset transfer request from a terminal; the asset transfer request includes a transfer initiator, a transfer recipient, and a target transfer asset value; the relationship between the asset accounts corresponding to the transfer initiator and the transfer recipient is a cross-border account relationship;

[0018] a first limit verification module configured to perform a transfer asset limit verification on the asset transfer request based on a first accumulated transferred asset value corresponding to the transfer initiating object and a first limit threshold indicated by the first limit level, and obtain a first verification result;

[0019] an asset acquisition module, configured to acquire a target asset share corresponding to the target transfer asset value sent by the terminal if the first verification result is a successful verification result;

[0020] The asset transfer module is used to convert the asset type of the target asset shares based on the cross-border account relationship, obtain the converted target asset shares, and transfer the converted target asset shares to the transfer recipient;

[0021] The identity authentication guidance module is used to send identity authentication guidance information for prompting the limit to the terminal if the first verification result is a verification failure result, so that the terminal can upload the identity authentication materials of the transfer initiation object according to the identity recognition guidance information; the identity authentication materials are used to update the first limit level corresponding to the transfer initiation object to the second limit level, and the second limit threshold indicated by the second limit level is greater than the first limit threshold.

[0022] The first limit verification module includes:

[0023] A status query unit, used to query the identity authentication status of the transfer initiator according to the asset transfer request;

[0024] a quota level determining unit, configured to obtain a quota level corresponding to the identity authentication state as a first quota level;

[0025] A first asset value obtaining unit, configured to obtain a first accumulated asset transfer value of a transfer initiating object;

[0026] The first verification unit is configured to perform a transfer asset limit verification on the asset transfer request according to the first cumulative transferred asset value and a first limit threshold indicated by the first limit level, and obtain a first verification result.

[0027] The first limit threshold includes a single limit threshold and a cumulative limit threshold;

[0028] The first verification unit includes:

[0029] A single verification success subunit is configured to determine a target remaining balance asset value based on the first cumulative transferred asset value and the cumulative limit threshold if the target transfer asset value is less than or equal to the single limit threshold;

[0030] A first cumulative verification sub-unit is configured to verify the transfer asset limit based on the target remaining asset value and the target transfer asset value to obtain a first verification result;

[0031] The single verification failure subunit is used to determine that the first verification result is a verification failure result if the target transfer asset value is greater than the single limit threshold.

[0032] The cumulative limit threshold includes a first limit threshold within a first time period and a second limit threshold within a second time period; the first cumulative transferred asset value includes a first cumulative transferred asset value within the first time period and a second cumulative transferred asset value within the second time period; and the length of the first time period is shorter than the length of the second time period.

[0033] The single verification success sub-unit is specifically used to determine the remaining asset value in the first time period based on the first limit threshold and the first cumulative transfer asset value if the target transfer asset value is less than or equal to the single limit threshold; determine the remaining asset value in the second time period based on the second limit threshold and the second cumulative transfer asset value; if the remaining asset value in the first time period is less than the remaining asset value in the second time period, use the remaining asset value in the first time period as the target remaining asset value; if the remaining asset value in the first time period is greater than or equal to the remaining asset value in the second time period, use the remaining asset value in the second time period as the target remaining asset value.

[0034] Among them, the first cumulative verification sub-unit is specifically used to determine that the first verification result is a verification failure result if the target remaining asset value is less than the target transfer asset value; if the target remaining asset value is greater than or equal to the target transfer asset value, then determine that the first verification result is a verification success result.

[0035] Among them, the asset acquisition module includes:

[0036] A verification instruction sending unit, configured to send an asset transfer verification instruction to the terminal, so that the terminal sends asset transfer verification information according to the asset transfer verification instruction;

[0037] A verification result determining unit, configured to determine an asset transfer verification result of the transfer initiator for the target transfer asset value based on the asset transfer verification information sent by the terminal;

[0038] A verification pass processing unit, configured to obtain a target asset share corresponding to the target transfer asset value from the asset account corresponding to the transfer initiator if the asset transfer verification result is that the asset transfer verification is passed;

[0039] The order number generating unit is used to generate a target asset transfer order number for the asset transfer request according to the target asset share.

[0040] Wherein, the asset acquisition module includes an order number generating unit, and the asset data processing device further includes:

[0041] An asset value determination module, configured to determine a second accumulated transferred asset value corresponding to the transfer initiating object based on the first accumulated transferred asset value and the target asset transfer order number;

[0042] a second limit verification module, configured to perform a transfer asset limit verification on the asset transfer request based on the second accumulated transferred asset value and a first limit threshold indicated by the first limit level, and obtain a second verification result;

[0043] The verification success execution module is used to execute the steps of converting the target asset share into an asset type according to the cross-border account relationship if the second verification result is a verification success result, obtaining the converted target asset share, and transferring the converted target asset share to the transfer recipient.

[0044] The verification failure execution module is used to send identity authentication guidance information for prompting the limit to the terminal if the second verification result is a verification failure result, return the target asset share to the transfer initiating object, and restore the second cumulative transfer asset value corresponding to the transfer initiating object to the first cumulative transfer asset value.

[0045] The asset value determination module includes:

[0046] an order number acquisition unit, configured to acquire a transfer business order number of the transfer initiating object, and use the transfer business order number that has not been added to the first accumulated transferred asset value as the transfer business order number to be accumulated; the transfer business order number to be accumulated includes the target asset transfer order number;

[0047] The second asset value acquiring unit is configured to add the first accumulated transferred asset value and the asset value to be transferred associated with the business order number to be accumulated and transferred, to obtain a second accumulated transferred asset value of the transfer initiating object.

[0048] The second limit verification module includes:

[0049] a verification failure determining unit, configured to determine that the second verification result is a verification failure result if the second accumulated transferred asset value is greater than the first limit threshold;

[0050] The verification success determination unit is configured to determine that the second verification result is a verification success result if the second accumulated transferred asset value is less than or equal to the first limit threshold.

[0051] Among them, the identity authentication guidance module includes:

[0052] A threshold acquisition unit, configured to acquire at least two quota thresholds; the at least two quota thresholds include a first quota threshold;

[0053] a threshold determination unit configured to use, among the at least two limit thresholds, the limit threshold that is greater than or equal to the sum of the target transfer asset value and the first cumulative transfer asset value as a pending limit threshold; and use the smallest pending limit threshold among the pending limit thresholds as a second limit threshold;

[0054] a first level determining unit, configured to set the quota level corresponding to the second quota threshold as the second quota level;

[0055] A behavior acquisition unit is used to acquire the asset management behavior of the transfer initiator in the asset management application and generate asset behavior features corresponding to the asset management behavior through the limit recognition model;

[0056] a label determination unit, configured to output a predicted limit label corresponding to the asset behavior characteristics in the limit recognition model;

[0057] A second level determination unit, configured to use the limit level corresponding to the predicted limit label as the second limit level;

[0058] The guidance information sending unit is used to obtain identity authentication guidance information for prompting the limit corresponding to the second limit level, and send the identity authentication guidance information to the terminal.

[0059] The asset data processing device further includes:

[0060] A material receiving module is used to receive identity authentication materials of the transfer initiating object sent by the terminal;

[0061] an authentication instruction sending module, configured to send an identity authentication instruction carrying identity authentication materials to the second terminal, so that the second terminal reviews the identity authentication materials according to the identity authentication instruction;

[0062] An audit result receiving module, configured to receive the audit result of the identity authentication material sent by the second terminal;

[0063] The audit result processing module is used to update the first limit level corresponding to the transfer initiation object to the second limit level if the audit result is a successful audit result; the second limit threshold indicated by the second limit level is greater than the first limit threshold; if the audit result is a failed audit result, an authentication failure instruction is sent to the terminal.

[0064] In one aspect, an embodiment of the present application provides an asset data processing device, including:

[0065] The response acquisition module is used to respond to the trigger operation of the asset transfer function in the asset transfer interface and obtain the transfer initiator, transfer recipient, and target transfer asset value; the relationship between the asset accounts corresponding to the transfer initiator and transfer recipient is a cross-border account relationship;

[0066] A request generation module, configured to generate an asset transfer request based on a transfer initiating object, a transfer receiving object, and a target transfer asset value;

[0067] a request sending module, configured to send an asset transfer request to a server, so that the server performs a transfer asset limit verification on the target transfer asset value based on the asset transfer request, the accumulated transfer asset value corresponding to the transfer initiating object, and a first limit threshold indicated by the first limit level, to obtain a first verification result;

[0068] a verification success processing module configured to, if the first verification result is a verification success result, send the target asset shares corresponding to the target transfer asset value to the server, so that the server converts the target asset shares into asset types based on the cross-border account relationship, obtains the converted target asset shares, and transfers the converted target asset shares to the transfer recipient;

[0069] The verification failure processing module is used to obtain the identity authentication guidance information sent by the server for prompting the limit if the first verification result is a verification failure result, and upload the identity authentication materials of the transfer initiation object according to the identity recognition guidance information; the identity authentication materials are used to update the first limit level corresponding to the transfer initiation object to the second limit level, and the second limit threshold indicated by the second limit level is greater than the first limit threshold.

[0070] On one hand, an embodiment of the present application provides a computer device, including: a processor, a memory, and a network interface;

[0071] The above-mentioned processor is connected to the above-mentioned memory and the above-mentioned network interface, wherein the above-mentioned network interface is used to provide data communication function, the above-mentioned memory is used to store computer programs, and the above-mentioned processor is used to call the above-mentioned computer program to execute the method in the embodiment of the present application.

[0072] On one hand, an embodiment of the present application provides a computer-readable storage medium, which stores a computer program. When the computer program is loaded and executed by a processor, the method in the embodiment of the present application is executed.

[0073] On the one hand, an embodiment of the present application provides a computer program product or a computer program, which includes computer instructions, which are stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes the method in the embodiment of the present application.

[0074] In an embodiment of the present application, after receiving an asset transfer request from a terminal, the asset transfer request is verified for the transfer limit based on the first cumulative transfer asset value corresponding to the transfer initiating object and the first limit threshold indicated by the first limit level, to obtain a first verification result; if the first verification result is a successful verification result, the target asset share corresponding to the target transfer asset value sent by the terminal is obtained, the asset type of the target asset share is converted according to the cross-border account relationship, the converted target asset share is obtained, and the converted target asset share is transferred to the transfer receiving object; if the first verification result is a failed verification result, an identity authentication guidance message for prompting the limit is sent to the terminal, so that the terminal uploads the identity authentication material of the transfer initiating object according to the identity recognition guidance message. Wherein, the identity authentication material is used to update the first limit level corresponding to the transfer initiating object to the second limit level, and the second limit threshold indicated by the second limit level is greater than the first limit threshold. By adopting the technical solution provided by the implementation of this application, when the transfer initiator reaches the limit, the relevant supporting documents can be submitted directly online according to the relevant instructions. The business background will update the limit level of the transfer initiator based on the supporting documents and increase its limit threshold. Since the background can automatically perform limit detection and limit increase, it can eliminate human errors, thereby protecting the business risks of asset transfers and improving the security of asset supervision. BRIEF DESCRIPTION OF THE DRAWINGS

[0075] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0076] Figure 1 This is a network architecture diagram provided by an embodiment of the present application;

[0077] Figure 2a-2c This is a schematic diagram of a cross-border asset transfer scenario provided by an embodiment of the present application;

[0078] Figure 3 This is a flow chart of an asset data processing method provided in an embodiment of the present application;

[0079] Figure 4 This is a flow chart of a quota verification process provided by an embodiment of the present application;

[0080] Figure 5 This is a flow chart of a production data processing method provided in an embodiment of the present application;

[0081] Figure 6This is an interactive diagram of an asset data processing method provided by an embodiment of the present application;

[0082] Figure 7 This is an interactive diagram of another asset data processing method provided by an embodiment of the present application;

[0083] Figure 8 This is a schematic diagram of the structure of an asset data processing device provided in an embodiment of the present application;

[0084] Figure 9 This is a schematic diagram of the structure of a computer device provided in an embodiment of the present application;

[0085] Figure 10 This is a schematic diagram of the structure of another asset data processing device provided in an embodiment of the present application;

[0086] Figure 11 This is a structural diagram of another computer device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0087] The following will be combined with the drawings in the embodiments of this application to clearly and completely describe the technical solutions in the embodiments of this application. Obviously, the embodiments described are only part of the embodiments of this application, not all of them. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts are within the scope of protection of this invention.

[0088] See Figure 1 , Figure 1 This is a network architecture diagram provided by the embodiment of this application. Figure 1 As shown, the network architecture may include a user terminal 11, a transfer server 101, a backend server 102, a quota storage server 103, and an asset conversion server 104. The backend server 102 may establish network connections with the user terminal 11, transfer server 101, quota storage server 103, and asset conversion server 104, respectively, so that the backend server 102 can exchange data with the user terminal 11, transfer server 101, quota storage server 103, and asset conversion server 104, respectively, via the network connections. Furthermore, the user terminal 11 may establish a network connection with the transfer server 101, so that the user terminal 11 can exchange data with the transfer server 101 via the network connections.

[0089] like Figure 1As shown, the user terminal 11 can be integrated with a target application. When the target application runs in the user terminal 11, it can interact with the above-mentioned background server 102 and transfer server 102 for data respectively. Among them, the target application can be understood as a social application that can support asset transfer, or it can be understood as a game application that can support game virtual asset transfer. In this application, taking the cross-border remittance scenario as an example, the transfer server 101 can also be called a payment server 101, and the asset conversion server 104 can also be called a foreign exchange server 104. Figure 1 As shown, user terminal 11 can respond to a user triggering an asset transfer function within the target application by sending an asset transfer request to backend server 102. The asset transfer request includes a transfer initiating object, a transfer receiving object, and the target transfer asset value. Backend server 102 receives the asset transfer request from user terminal 11 and obtains the limit level of the transfer initiating object. Backend server 102 then sends a query request to limit storage server 103 and receives the cumulative transferred asset value of the transfer initiating object returned by limit storage server 103. Backend server 12 then verifies the transfer limit of the asset transfer request based on the limit threshold corresponding to the limit level of the transfer initiating object and the cumulative transferred asset value. If the verification passes, backend server 12 will issue an asset transfer verification instruction to user terminal 11. User terminal 11 will then send asset transfer verification information to payment server 11 based on the asset transfer verification instruction. If payment server 101 determines that the asset transfer verification has passed based on the asset transfer verification information, it will send the asset transfer verification result to backend server 102. Backend server 102 will then receive the asset transfer verification result and obtain the target asset shares corresponding to the transfer initiator and the target transfer asset value. Backend server 102 will then conduct another limit verification. If the limit verification still passes, it will initiate a foreign exchange purchase and payment transaction with foreign exchange server 104, which will transfer the target asset shares to the transfer recipient. If the verification fails, backend server 102 will issue identity authentication instructions to user terminal 11, instructing user terminal 11 to upload the transfer initiator's identity authentication materials based on the identity authentication information. Based on the identity authentication materials, backend server 102 can update the transfer initiator's limit level.

[0090] In this application, taking the transfer of virtual game assets within a game as an example, user terminal 11 can send an asset transfer request to backend server 102 in response to a user triggering an asset transfer function within the target application. The asset transfer request includes the transfer initiator, the transfer recipient, and the target asset value. The transfer initiator and the transfer recipient can be in different game regions, such as region 1 and region 5; or they can be in different national game service regions, such as the transfer initiator in China and the transfer recipient in the United States. This asset transfer request can involve a user transferring virtual assets from their game account to the transfer recipient's game account across regions or servers. Backend server 102 receives the asset transfer request from user terminal 11 and obtains the transfer initiator's limit level. Backend server 102 then sends a query request to limit storage server 103, receiving the cumulative transfer asset value of the transfer initiator from the limit storage server 103. Backend server 102 then verifies the transfer limit of the asset transfer request based on the limit threshold corresponding to the transfer initiator's limit level and the cumulative transfer asset value. If the verification passes, backend server 102 will issue an asset transfer verification instruction to user terminal 11. User terminal 11 will then send asset transfer verification information to transfer server 101 based on the asset transfer verification instruction. If transfer server 101 determines that the asset transfer verification has passed based on the asset transfer verification information, it will send the asset transfer verification result to backend server 102. Backend server 102 will then receive the asset transfer verification result and obtain the virtual asset data corresponding to the transfer initiator and the target transfer asset value. Backend server 102 will then perform another limit verification. If the limit verification still passes, it will initiate a virtual asset data conversion request to asset conversion server 104. Asset conversion server 104 will transfer the converted virtual asset data to the transfer recipient. If the verification fails, backend server 102 will issue identity authentication guidance information to user terminal 11, instructing user terminal 11 to upload the transfer initiator's identity authentication materials based on the identity authentication information. Based on the identity authentication materials, backend server 102 can update the transfer initiator's limit level.

[0091] It is understood that the method provided in the embodiments of the present application can be performed by a computer device, including but not limited to a client, or each of the above-mentioned servers. Among them, the server can be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms. Among them, the client can be a mobile phone, tablet computer, laptop computer, PDA, mobile internet device (MID, mobile internet device), wearable device (such as smart watch, smart bracelet, etc.), etc.

[0092] It is understood that the above-mentioned devices (such as the above-mentioned user terminal 11, payment server 101, backend server 102, limit storage server 103 or foreign exchange server 104) can be a node in a distributed system, wherein the distributed system can be a blockchain system, and the blockchain system can be a distributed system formed by connecting multiple nodes through network communication. Among them, the nodes can form a peer-to-peer (P2P) network, and the P2P protocol is an application layer protocol running on the Transmission Control Protocol (TCP) protocol. In a distributed system, any form of computer device, such as a server, terminal or other electronic device, can become a node in the blockchain system by joining the peer-to-peer network.

[0093] The following description will be made by taking as an example the cross-border transfer of assets by the transfer initiator to the transfer recipient via the above-mentioned servers via the user terminal 11.

[0094] in, Figure 1 The user terminal 11 shown may include a mobile phone, a tablet computer, a laptop computer, a PDA, a mobile internet device (MID), a wearable device (such as a smart watch, a smart bracelet, etc.), etc.

[0095] Among them, the terminal device and the above-mentioned servers can be directly or indirectly connected through wired or wireless communication, and this application does not impose any restrictions here.

[0096] See Figure 2a-2c , Figure 2a-2cThis is a schematic diagram of a scenario of cross-border asset transfer provided by an embodiment of the present application. The user who has a binding relationship with the user terminal 11 is an American user Xiao A, and Xiao A needs to transfer money to a Chinese user Xiao B through the user terminal 11 (that is, the asset transfer mentioned above). Among them, Xiao A is the above-mentioned transfer initiator, and Xiao B is the above-mentioned transfer recipient. Among them, Xiao A is an American user, and the currency of the asset share corresponding to Xiao A's asset account is US dollars; Xiao B is a Chinese user, and the currency of the asset share corresponding to Xiao B's asset account is RMB. When the asset shares corresponding to two asset accounts are in different currencies, the relationship between the two asset accounts is considered to be a cross-border account relationship, that is, the relationship between the asset accounts corresponding to Xiao A and Xiao B is a cross-border account relationship. As Figure 2a As shown in interface 111, user A initiates a transfer from user B. User A can enter the transfer amount in the amount input box 1111 and then click the transfer button 1112. In response to user A's triggering action on transfer button 1112, user terminal 11 initiates an asset transfer request to backend server 102. This asset transfer request includes the transfer initiator (user information of user A), the transfer recipient (user information of user B), and the target asset value (US$5,000). Upon receiving the asset transfer request from user terminal 11, backend server 102 retrieves user A's account information. This account information may include ID number and limit level. The limit level corresponds to a limit threshold. When the user's accumulated transfers reach the limit threshold, the transfer cannot proceed normally. Backend server 102 then sends a query request to the limit storage server 103 to inquire about user A's current accumulated balance. This query may include information such as user A's ID number. Based on the query request from backend server 102, quota server 103 obtains Xiao A's cumulative transferred asset value and sends it to backend server 102. Backend server 102 then performs a quota check on this asset transfer request based on the quota threshold corresponding to Xiao A's quota level, the cumulative transferred asset value, and the target transfer asset value. The cumulative transferred asset value can be the total amount of assets transferred by the user over a period of time.

[0097] If the limit check passes, it means that the target asset transfer value of Xiao A's transfer request plus the cumulative transferred asset value does not exceed the limit threshold corresponding to Xiao A's limit level, and the transfer can proceed normally. At this time, the backend server 102 will send an asset transfer verification instruction to the user terminal 11. According to the asset transfer verification instruction, the user terminal 11 will display a verification interface, such as Figure 2bInterface 112 is shown. Xiao A can enter her payment password through the password input box 1121 in interface 112. Once Xiao A completes the input, user terminal 11 will send asset transfer verification information, including the payment password, to payment server 101. Payment server 101 will verify Xiao A's transfer based on the asset transfer verification information. If the verification is successful, payment server 101 will send a verification success instruction to user terminal 11, so that terminal 11 can notify Xiao A of the successful payment based on the verification success instruction. Simultaneously, payment server 101 will send the verification success result to backend server 102. Upon receiving the verification success result, backend server 102 will retrieve the target asset share (5,000 USD) corresponding to the target asset transfer value (5,000 USD) sent by Xiao A from Xiao A's asset share and transfer it to the foreign exchange platform. Simultaneously, it will initiate a foreign exchange purchase and payment request to the foreign exchange server 104 corresponding to the foreign exchange platform. Upon receiving the foreign exchange purchase and payment request, foreign exchange server 104 obtains the account information of Xiao A and Xiao B, converts the received target asset shares into the converted asset shares based on Xiao A's and Xiao B's account information, and then transfers the converted asset shares to Xiao B's asset account. The asset conversion converts Xiao A's USD into Xiao B's RMB. In other words, the converted asset shares Xiao B receives are not 5,000 USD, but 32,324 RMB (RMB), equivalent to 5,000 USD.

[0098] If the limit check fails, it means that the target asset transfer value of Xiao A's transfer request plus the cumulative transfer asset value exceeds the limit threshold corresponding to Xiao A's limit level. The transfer cannot be carried out normally, but the backend server 102 will send an identity authentication guidance message for prompting the limit to the user terminal 11. According to the identity authentication guidance message, the user terminal 11 will display a prompt message, such as Figure 2cInterface 113 is shown. Interface 113 will display a reminder of insufficient limit and provide an entry for increasing the limit. When Xiao A clicks the increase limit module 1131, the user terminal will jump from interface 113 to interface 114. Interface 114 is the identity authentication interface. The information that needs to be uploaded is related to the limit level the user wants to increase to. Different limit levels correspond to different identity authentication statuses, and different identity authentication statuses correspond to different authentication materials. Therefore, if Xiao A wants to increase the limit, he needs to increase the limit level, that is, to improve the identity authentication status of the asset account, which requires additional supplementary materials. Xiao A can upload the supplementary materials through interface 114. The user terminal 11 will respond to Xiao A's trigger operation on the submit button 1141 and send the identity authentication materials to the backend server 102. The backend server 102 will conduct an authentication review after receiving Xiao A's identity authentication materials. If the review is passed, the backend server 102 will automatically update Xiao A's limit level. Subsequently, after Xiao A's limit level is successfully updated, the backend server 102 may send a notification message to the user terminal 11 , and then Xiao A may initiate a transfer request to Xiao B through the user terminal 11 again.

[0099] See Figure 3 , Figure 3 This is a flow chart of an asset data processing method provided by an embodiment of the present application. The method can be executed by a computer device. The computer device can be integrated with the above-mentioned Figure 1 The functions of the payment server 101, the backend server 102, the limit storage server 103 and the foreign exchange server 104 are shown. This embodiment takes the method executed by a computer device as an example, and uses cross-border remittance transfer as a scenario for explanation. Figure 3 As shown, the process may include:

[0100] S101: Receive an asset transfer request from a terminal; the asset transfer request includes a transfer initiating object, a transfer receiving object, and a target transfer asset value; the relationship between the asset accounts corresponding to the transfer initiating object and the transfer receiving object is a cross-border account relationship.

[0101] Specifically, the asset transfer request can be a terminal (i.e. the above Figure 1The user terminal 11 shown) responds to the command request generated by the cross-border transfer operation initiated by the user. The asset transfer request includes a transfer initiating object, a transfer receiving object, and a target transfer asset value. Among them, the transfer initiating object is the initiator of the transfer request, the transfer receiving object is the person who receives the transfer, and the target transfer asset value is the numerical value corresponding to the transfer amount. It should be noted that cross-border transfer means that when the transfer initiating object initiates the transfer, the remittance amount of the first currency is paid to the foreign exchange platform, and then the foreign exchange platform transfers the amount of the second currency equal to the remittance amount of the first currency to the asset account of the transfer receiving object. Therefore, the relationship between the asset accounts corresponding to the transfer initiating object and the transfer receiving object is a cross-border account relationship. It can be understood that when the asset shares corresponding to the two asset accounts are in different currencies, the relationship between the two asset accounts is considered to be a cross-border account relationship. For example, an American user named A initiates a transfer request for US$5,000 to a Chinese user named B through a terminal. The assets in A's asset account are US dollars, and the assets in B's asset account are RMB. The relationship between A's and B's asset accounts is considered a cross-border account relationship. The transfer request is an asset transfer request. The transfer initiator is A, the transfer recipient is B, and the target asset transfer value is 5,000.

[0102] S102: performing a transfer asset limit check on the asset transfer request according to a first accumulated transfer asset value corresponding to the transfer initiating object and a first limit threshold indicated by a first limit level, and obtaining a first check result.

[0103] Specifically, to mitigate cross-border remittance risks and comply with the regulatory requirements of the Monetary Authority of Singapore, the service will implement different remittance limit policies for users with different KYC (know your customer) statuses. This means that, in accordance with regulatory and risk management requirements, users' cross-border transfer limits are limited and cannot be unlimited. For example, if a user's limit is 20,000 yuan, the transfer request will not be processed if the user enters a transfer amount exceeding 20,000 yuan. KYC is the process of users completing real-name authentication using various documents, such as passports and ID cards. Users with different KYC statuses have submitted different identity verification documents, corresponding to different limit levels, and corresponding limit thresholds. The limit threshold can be the maximum amount a user can transfer in a single transaction or the maximum amount a user can transfer cumulatively over a period of time. For example, the KYC status for US users can be either Basic or Advanced. For User A, who has completed Basic KYC, the documents submitted include name, gender, nationality, date of birth, US ID number, mobile phone number, and a photo of their original ID. Within a manageable risk range, User A's maximum single remittance amount is USD 7,999, the daily remittance amount is USD 7,999, and the monthly remittance amount is USD 50,000. For User B, who has completed Advanced KYC, additional documents submitted during Basic KYC include a second identity document, a photo of their original ID, and their detailed residential address. Within a manageable risk range, User B's maximum single remittance amount, the daily remittance amount, and the monthly remittance amount are increased to USD 20,000, USD 20,000, and USD 100,000. Limit levels and thresholds can be set based on actual circumstances and are not specified here.

[0104] Specifically, the transfer asset limit check is used to determine whether the user's transfer amount exceeds a limit threshold. Based on the first cumulative transfer asset value and the first limit threshold indicated by the first limit level, a transfer asset limit check is performed on the asset transfer request to obtain a check result. The check result may be: if the target transfer asset value is less than or equal to the single limit threshold, a target remaining balance asset value is determined based on the first cumulative transfer asset value and the cumulative limit threshold, and a transfer asset limit check is performed based on the target remaining balance asset value and the target transfer asset value to obtain a first check result. If the target transfer asset value is greater than the single limit threshold, the first check result is determined to be a check failure. The cumulative limit threshold may include one or more time period limit thresholds. For example, a daily limit threshold refers to the maximum amount a user can transfer cumulatively within a calendar day. Accordingly, the first cumulative transfer asset value may include the user's actual cumulative transfer value within one or more time periods. It is understood that when the cumulative limit threshold includes multiple time period limit thresholds, if the cumulative transfer asset value within one time period exceeds the corresponding limit threshold, the limit check is determined to have failed.

[0105] Specifically, the target remaining balance asset value is determined based on the first cumulative transferred asset value and the cumulative limit threshold. This may be accomplished by subtracting the first cumulative transferred asset value from the cumulative limit threshold, resulting in the target remaining balance asset value. A transfer asset limit verification is performed based on the target remaining balance asset value and the target transferred asset value to obtain a first verification result. This may be accomplished by determining that the first verification result is a verification failure if the target transferred asset value is greater than the target remaining balance asset value, or determining that the first verification result is a verification success if the target transferred asset value is less than or equal to the target remaining balance asset value.

[0106] S103: If the first verification result is a successful verification result, the target asset share corresponding to the target transfer asset value sent by the terminal is obtained, the asset type of the target asset share is converted according to the cross-border account relationship, the converted target asset share is obtained, and the converted target asset share is transferred to the transfer recipient.

[0107] Specifically, if the first verification result is a successful verification, it indicates that the target asset transfer value requested by the transfer initiator plus the cumulative transferred asset value does not exceed the first limit threshold corresponding to the first limit level, and the transfer can proceed normally. Because the relationship between the asset accounts of the transfer initiator and the transfer recipient is a cross-border account relationship, the asset shares of the transfer initiator cannot be directly transferred to the asset account of the transfer recipient. This is because the asset currency used by the transfer initiator and the transfer recipient differs. Therefore, the target asset shares must be converted to the asset type to obtain the converted target asset shares, and then the converted target asset shares must be transferred to the transfer recipient. For example, if a US user, Xiao A, transfers 5,000 USD to a Chinese user, Xiao B, after the limit verification passes, the computer device will obtain the 5,000 USD from Xiao A's asset account and transfer the 5,000 USD to the asset account corresponding to the foreign exchange platform. Then, based on the cross-border account relationship, the computer device must convert the USD to RMB before transferring the funds to Xiao B's asset account. The computer device will query the exchange rate between the US dollar and the RMB, and calculate that 5000 USD is equivalent to 32324 RMB. The computer device will obtain 32324 RMB from the asset account corresponding to the foreign exchange platform and transfer it to the asset account corresponding to Xiao B.

[0108] Specifically, obtaining the target asset shares corresponding to the target transfer asset value sent by the terminal may involve the computer device sending an asset transfer verification instruction to the terminal, causing the terminal to send asset transfer verification information in accordance with the asset transfer verification instruction; determining the asset transfer verification result of the transfer initiator for the target transfer asset value based on the asset transfer verification information sent by the terminal; if the asset transfer verification result indicates that the asset transfer verification is passed, obtaining the target asset shares corresponding to the target transfer asset value from the asset account corresponding to the transfer initiator, and generating a target asset transfer order number for the asset transfer request based on the target asset shares. The asset transfer verification instruction may be a prompt for entering a payment password, a prompt for verifying a payment fingerprint, or a prompt for facial comparison. The asset transfer verification information may include a payment password, a payment fingerprint, and facial recognition information. Determining the asset transfer verification result may include obtaining preset transfer verification information, comparing the preset transfer verification information with the asset transfer verification information, and determining that the asset transfer verification result indicates that the asset transfer verification is passed if the preset transfer verification information and the asset transfer verification information are identical. Among them, the target asset transfer order number can be a number used to identify an asset transfer. Different asset transfers correspond to different asset transfer order numbers. The asset transfer order number will be associated with the transfer initiator, transfer recipient, transfer asset value, and transfer status of the asset transfer. That is, based on the asset transfer order number, the relevant information of the corresponding asset transfer can be queried.

[0109] Optionally, after obtaining the target asset share corresponding to the target asset transfer value, the second cumulative transfer asset value of the transfer initiation can be determined based on the first cumulative transfer asset value and the target asset transfer order number, and then a second transfer asset limit check can be performed on the asset transfer request based on the second cumulative transfer asset value and the first limit threshold indicated by the first limit level. The first cumulative transfer asset value is the sum of all remittance amounts successfully transferred from the transfer initiator to the transfer recipient within a certain time period. However, for asset transfers in a cross-border asset transfer process where the transfer initiator has successfully completed asset verification and the computer device has obtained the corresponding asset share, the asset transfer is not considered completely successful because the asset share has not yet been transferred to the transfer recipient. The first cumulative transfer asset value does not include the remittance amount corresponding to the aforementioned incompletely successful asset transfer. Therefore, before converting the target asset share to an asset type and transferring the converted target asset share to the asset account of the transfer recipient, a limit check can be performed on the asset transfer request. The second cumulative transfer asset value refers to the sum of the first cumulative transfer asset value and the remittance amount corresponding to the incompletely successful asset transfer. To determine the second cumulative transfer asset value, the transfer business order number of the transfer initiation object can be obtained, and the transfer business order number that has not been added to the first cumulative transfer asset value in the transfer business order number can be used as the transfer business order number to be accumulated, and then the first cumulative transfer asset value and the asset value to be transferred associated with the transfer business order number to be accumulated are added to obtain the second cumulative transfer asset value of the transfer initiation object. The transfer business order number refers to the asset transfer order number associated with the transfer initiation object that has been generated within a period of time. The limit check can be to compare the second cumulative transfer asset value with the first limit threshold. If the second cumulative transfer asset value is greater than the first limit threshold, the second check result is determined to be a check failure result; if the second cumulative transfer asset value is less than or equal to the first limit threshold, the second check result is determined to be a check success result. The processing of the asset transfer based on the result of the second limit check can refer to the first limit check and will not be repeated here.

[0110] S104: If the first verification result is a verification failure result, identity authentication guidance information for prompting the limit is sent to the terminal, so that the terminal uploads the identity authentication materials of the transfer initiation object according to the identity authentication guidance information; the identity authentication materials are used to update the first limit level corresponding to the transfer initiation object to a second limit level, and the second limit threshold indicated by the second limit level is greater than the first limit threshold.

[0111] Specifically, if the first verification result is a verification failure result, it means that the target asset transfer value of the transfer initiator's transfer request plus the cumulative transfer asset value exceeds the first limit threshold corresponding to the first limit level, and the transfer is not allowed. The computer device will reject the asset transfer request. However, the computer device can send identity authentication guidance information for prompting the limit to the terminal. Among them, the identity authentication guidance information may include prompt information for insufficient limit and guidance information for limit prompt. The terminal can display information on increasing the limit and guidance information for increasing the limit based on the identity authentication guidance information, as mentioned above. Figure 2c Interface 113 is shown. The user can learn the reason for the transfer failure based on the identity authentication information displayed on the terminal. At the same time, the user can decide whether to increase the limit based on their needs. If the user needs to increase the limit, they need to improve the authentication status of the asset account and upload more identity authentication materials. In this case, the user only needs to upload the identity authentication materials through the terminal according to the identity authentication information and then wait for the review result.

[0112] Specifically, updating the first limit level corresponding to the transfer initiation object to the second limit level based on the identity authentication materials may include: receiving the identity authentication materials of the transfer initiation object sent by the terminal; sending an identity authentication instruction carrying the identity authentication materials to the second terminal used for review, so that the second terminal reviews the identity authentication materials according to the identity authentication instruction; receiving the review result of the identity authentication materials sent by the second terminal; if the review result is a successful review result, updating the first limit level corresponding to the transfer initiation object to the second limit level; if the review result is a failed review result, sending an authentication failure instruction to the terminal. Among them, the second limit threshold corresponding to the second limit level should be greater than the first limit threshold corresponding to the first limit level. It can be understood that the higher the limit threshold, the higher the corresponding limit level, that is, the higher the user's KYC status, the more sufficient the uploaded authentication materials.

[0113] Optionally, when determining the second limit level, the computer device can obtain the limit thresholds corresponding to all limit levels, and then use the limit threshold that is greater than or equal to the sum of the target transfer asset value and the first cumulative transfer asset value among the obtained limit thresholds as the pending limit threshold; use the smallest pending limit threshold among the pending limit thresholds as the second limit threshold; then use the limit level corresponding to the second limit threshold as the second limit level; and then obtain the identity authentication guidance information corresponding to the second limit level for prompting the limit, and send the identity authentication guidance information to the terminal. For example, the daily limit thresholds for US users are 7,999 USD, 15,000 USD, and 20,000 USD, corresponding to the Primary, Intermediate, and Advanced limit levels, respectively. US user Xiao A's user status is Primary KYC, corresponding to the Primary limit level, so Xiao A's limit threshold is 7,999 USD. Xiao A wants to transfer 9,000 USD to Chinese user Xiao B. Before transferring 10,000 USD, Xiao A had already transferred a total of 6,999 USD that day. If Xiao A is given the Intermediate KYC status identity verification instructions and completes the Intermediate KYC verification, the limit threshold will be raised to 15,000 USD. However, since Xiao A's cumulative transfers of 6,999 USD and the planned transfer of 9,000 USD add up to 15,999 USD, exceeding the increased limit of 15,000 USD, the limit verification still fails, and Xiao A still cannot complete the transfer. Therefore, when selecting the second limit level, the computer device will use the limit threshold exceeding 15999 USD as the pending limit threshold, and then use the smallest limit threshold among the pending limit thresholds as the second limit threshold, that is, 20000 USD, and then use the corresponding limit level as the second limit level, and then obtain the identity authentication guidance information corresponding to the second limit level and send it to the terminal used by Xiao A.

[0114] Optionally, the solutions provided in the embodiments of this application may involve machine learning technology within artificial intelligence. Machine learning (ML) is a multidisciplinary interdisciplinary field encompassing probability theory, statistics, approximation theory, convex analysis, and algorithmic complexity theory. It specifically studies how computers simulate or implement human learning behavior to acquire new knowledge or skills and reorganize existing knowledge structures to continuously improve their performance. Machine learning is the core of artificial intelligence and the fundamental path to computer intelligence, with applications spanning all areas of artificial intelligence. Machine learning and deep learning generally include techniques such as artificial neural networks, belief networks, reinforcement learning, transfer learning, inductive learning, and self-learning. This is specifically illustrated by the following embodiment: When determining the second limit level, a computer device may obtain the asset management behavior of a transfer initiator in an asset management application, generate asset behavior features corresponding to the asset management behavior using a limit recognition model, output a predicted limit label corresponding to the asset behavior feature in the limit recognition model, set the limit level corresponding to the predicted limit label as the second limit level, obtain identity authentication guidance information corresponding to the second limit level for indicating the limit, and transmit the identity authentication guidance information to the terminal. Among them, asset management behavior may include: the number of historical transfers, the cumulative amount of historical transfers, the maximum amount of a single transfer, and the waiting asset balance. Among them, the limit recognition model is a machine learning model trained based on asset management behavior samples, which is used to simulate the user's transfer behavior and infer the user's applicable limit. Through the limit recognition model, a predicted limit label can be obtained. Different predicted limit labels correspond to different limit levels. The second limit level is determined based on the obtained predicted limit label, and then the identity authentication guidance information for prompting the limit corresponding to the second limit level is obtained, and the identity authentication guidance information is sent to the terminal. Through the limit recognition model, the appropriate limit level can be selected for the user based on the user's asset management behavior, avoiding simply upgrading the user from the primary limit level to the intermediate limit level, but still cannot meet the user's daily transfer behavior.

[0115] In an embodiment of the present application, after receiving an asset transfer request from a terminal, the asset transfer request is verified for the transfer limit based on the first cumulative transfer asset value corresponding to the transfer initiating object and the first limit threshold indicated by the first limit level, to obtain a first verification result; if the first verification result is a successful verification result, the target asset share corresponding to the target transfer asset value sent by the terminal is obtained, the asset type of the target asset share is converted according to the cross-border account relationship, the converted target asset share is obtained, and the converted target asset share is transferred to the transfer receiving object; if the first verification result is a failed verification result, an identity authentication guidance message for prompting the limit is sent to the terminal, so that the terminal uploads the identity authentication material of the transfer initiating object according to the identity recognition guidance message. Wherein, the identity authentication material is used to update the first limit level corresponding to the transfer initiating object to the second limit level, and the second limit threshold indicated by the second limit level is greater than the first limit threshold. Through the method provided in the embodiment of the present application, different limit thresholds are provided for user accounts with different authentication statuses. The computer device can automatically perform limit verification for asset transfer requests between cross-border accounts. When the limit verification passes, the asset is transferred. When the limit verification fails, identity authentication information is actively sent to prompt the user to increase the limit, and the user limit level is increased based on the identity authentication materials uploaded by the user, thereby avoiding errors caused by manual operations, protecting the risks of asset transfer business, and improving the security of asset supervision.

[0116] For further information, see Figure 4 , Figure 4 This is a flow chart of a limit check provided by an embodiment of the present application. The method can be executed by a computer device. This embodiment takes the method executed by a computer device as an example, and uses cross-border remittance transfer as a scenario for explanation. Figure 4 As shown, the process may include:

[0117] S201: Load limit configuration according to KYC status.

[0118] Specifically, the KYC status is the user status mentioned above. Each KYC status corresponds to a limit level, and different limit levels correspond to different limit configurations. Limit configurations can include daily limits, monthly limits, and single transaction limits. The single transaction limit refers to the maximum asset value corresponding to the maximum asset share that a user can transfer per transfer, which is the single limit threshold mentioned above. The daily limit refers to the maximum asset value corresponding to the maximum asset share that a user can transfer cumulatively per day, and the monthly limit refers to the maximum asset value corresponding to the maximum asset share that a user can transfer cumulatively per month. The daily and monthly limits are the limit thresholds for a period of time mentioned above.

[0119] S202: Compare the remittance amount with the single transaction limit.

[0120] S203: If the remittance amount is greater than the single transaction limit, it is determined that the limit check fails; if the remittance amount is less than or equal to the single transaction limit, the daily remaining amount and the monthly remaining amount are calculated based on the daily cumulative value and the monthly cumulative value respectively.

[0121] Specifically, the computer device can compare the numerical values of the remittance amount and the single transaction limit. If the remittance amount exceeds the single transaction limit, the computer determines that the limit check fails and intercepts the transfer; if the remittance amount is less than or equal to the single transaction limit, the computer device calculates the daily remaining amount and the monthly remaining amount based on the daily cumulative value and the monthly cumulative value respectively, which may include: subtracting the daily limit from the daily cumulative value to obtain the daily remaining amount; subtracting the monthly limit from the monthly cumulative value to obtain the monthly remaining amount.

[0122] S204: Obtain a final remaining amount based on the daily remaining amount and the monthly remaining amount.

[0123] Specifically, when there are multiple remaining balances, the smallest of these balances can be used as the final remaining balance, and then the final remaining balance can be compared with the remittance amount. Therefore, when obtaining the daily and monthly remaining balances, if the monthly remaining balance is greater than the daily remaining balance, the daily remaining balance will be used as the final remaining balance; if the monthly remaining balance is less than or equal to the daily remaining balance, the monthly remaining balance will be used as the final remaining balance.

[0124] S205: Compare the remittance amount and the final remaining amount.

[0125] S206: If the remittance amount is less than or equal to the final remaining amount, it is determined that the limit check has passed; if the remittance amount is greater than the final remaining amount, it is determined that the limit check has failed.

[0126] Specifically, if the remittance amount is less than or equal to the final remaining balance, it indicates that the remittance amount is less than or equal to the remaining balance for all time periods, and the transfer is within the limit and can be executed normally. If the remittance amount is greater than the final remaining balance, it indicates that the remittance amount exceeds the limit threshold for a certain time period, and the transfer is considered to be over the limit. The computer device will determine that the limit check has failed and intercept the transfer request.

[0127] In an embodiment of the present application, the limit threshold may include a single limit threshold and a cumulative limit threshold. The single asset transfer limit verification and the cumulative asset transfer limit verification can be performed simultaneously for the asset transfer request, which complies with the regulatory requirements of the Financial Administration and reduces the risk of excessive asset transfer.

[0128] For further information, see Figure 5 , Figure 5This is a flow chart of an asset data processing method provided by an embodiment of the present application. The method can be executed by a terminal. The computer device can be the above-mentioned Figure 1 The user terminal 11 shown. This embodiment takes the method executed by the terminal as an example, and uses cross-border remittance transfer as a scenario for explanation. Figure 5 As shown, the process may include:

[0129] S301: Responding to a trigger operation for an asset transfer function in an asset transfer interface, obtaining a transfer initiating object, a transfer receiving object, and a target transfer asset value.

[0130] S302: Generate an asset transfer request according to the transfer initiating object, the transfer receiving object, and the target transfer asset value.

[0131] S303: Send the asset transfer request to the server, so that the server obtains a first limit verification result according to the asset transfer request.

[0132] Specifically, the asset transfer interface can be as described above Figure 2a Interface 111 shown is a page displayed on the terminal of the transfer initiator for transferring funds to the transfer recipient. Through this page, the transfer initiator can enter the target transfer asset value. The asset transfer function can be triggered by clicking a certain area on the asset transfer interface, such as clicking the transfer button 1112 in interface 111. After the transfer initiator completes the triggering operation for the asset transfer function, the terminal generates an asset transfer request based on the transfer initiator, the transfer recipient, and the target transfer asset value. The terminal then sends the asset transfer request to the server, which performs a transfer asset limit check on the target transfer asset value based on the asset transfer request, the cumulative transfer asset value corresponding to the transfer initiator, and the first limit threshold indicated by the first limit level, to obtain a first verification result.

[0133] Optionally, when the terminal responds to the trigger operation for the asset transfer function in the asset transfer interface, before obtaining the transfer initiator, transfer recipient, and target transfer asset value, it can first obtain the KYC status of the transfer initiator and process the trigger operation based on the KYC status of the transfer initiator. For example, when the authentication status includes the basic KYC status and the advanced KYC status, there are seven user identity authentication statuses, as shown in the following table:

[0134]

[0135] As shown in the table above, there are various scenarios for users to initiate transfers, each corresponding to a different KYC status. Due to regulatory and risk management requirements, users must have at least Primary Verification or higher KYC status to use remittance services. Different KYC statuses have different remittance limits, based on single remittance amount, daily cumulative remittance amount, and monthly cumulative remittance amount. Therefore, when a user triggers the asset transfer button and the terminal detects the user's KYC status as unverified, it will not generate an asset transfer request. Instead, it will remind the user that they are unverified and unable to transfer funds, and provide instructions for completing the verification process. If the terminal detects the user's KYC status as Primary Verification or Advanced Verification, it will normally generate an asset transfer request and send it to the server. If the terminal detects the user's KYC status as Primary Verification Review, it may prompt the user that the review is pending and transfers are temporarily unavailable, but will not generate an asset transfer request and send it to the server. If the terminal detects the user's KYC status as Failed Primary Verification, it will not generate an asset transfer request and send it to the server, but will notify the user that Primary Verification has failed and transfers are temporarily unavailable, and will provide instructions for re-authentication. When the terminal detects that the user's status is "Advanced Authentication Under Review," the terminal will prompt the user that their current limit level is still at the Primary Limit Level and will generate an asset transfer request and send it to the server as normal. When the terminal detects that the user's status is "Advanced Authentication Failed," it can prompt the user that the Primary Authentication failed and instruct the user to reauthenticate. If the user does not choose to reauthenticate, the terminal will generate an asset transfer request and send it to the server as normal. When the user's authentication status is "Advanced Authentication Completed" or "Primary Authentication Completed," the terminal will generate an asset transfer request and send it to the server as normal without any prompts.

[0136] S304: If the first verification result is a successful verification result, the target asset share corresponding to the target transfer asset value is sent to the server.

[0137] Specifically, if the first verification result is a successful verification result, the target asset share corresponding to the target transfer asset value will be sent to the server, so that the server can convert the asset type of the target asset share according to the cross-border account relationship, obtain the converted target asset share, and transfer the converted target asset share to the transfer recipient.

[0138] S305: If the first verification result is a verification failure result, obtain the identity authentication guidance information sent by the server for prompting the limit, and upload the identity authentication materials of the transfer initiator according to the identity recognition guidance information.

[0139] Specifically, the terminal can generate prompt information according to the identity authentication guidance information sent by the server, as described above Figure 2cIn the prompt box 1131 in the interface 113 shown, the transfer initiator can click the button like the limit increase button in the prompt box 1131 to enter the identity authentication interface, as described above. Figure 2c Interface 114 is shown, and then identity authentication materials are uploaded through this identity authentication interface. The identity authentication materials are used to update the first quota level corresponding to the transfer initiator to a second quota level, where the second quota threshold indicated by the second quota level is greater than the first quota threshold. This identity authentication interface is generated based on the relevant instructions in the identity authentication guidance information. Different quota levels correspond to different identity authentication interfaces, but the same interface corresponds to the same quota level, thereby ensuring the standardization of uploaded identity authentication materials.

[0140] Using the method proposed in the embodiments of this application, different limit strategies are adopted for users with different KYC statuses. When the asset transfer reaches the limit, identity authentication guidance information is issued to inform the user of the current KYC status. The user can then upload identity authentication materials through the terminal to increase the limit level, meeting product usage requirements, reducing customer service workload, and lowering labor costs. Furthermore, under the guidance of the identity authentication guidance information, a unified provision specification is established, standardizing and automating product limit strategies, effectively avoiding potential asset transfer business risks brought about by manual operations.

[0141] For further information, see Figure 6 , Figure 6 This is an interactive diagram of an asset data processing method provided by an embodiment of the present application. This asset data processing method is applicable to cross-border remittance transfer scenarios, such as Figure 6 As shown, the entire data interaction process includes the user terminal side, business background, limit service, payment center and foreign exchange platform. Among them, the user terminal can be the above Figure 1 The user terminal 11 shown, the business background, limit service, payment center and foreign exchange platform can be completed by corresponding servers, such as the above Figure 1 The various servers shown can also be integrated into the above Figure 3 The computer device shown is not limited here. The asset data processing method can include two parts: the user completes the payment order and the business backend initiates the purchase and payment of foreign exchange. The time of the two is not necessarily completely adjacent. For example, after user A completes the payment order, due to the excessive number of business orders that need to be processed by the backend, the time when the backend initiates the purchase and payment of foreign exchange based on user A's payment order may be several hours after user A completes the payment order. Therefore, when the user initiates the payment order and the business backend initiates the purchase and payment of foreign exchange, both can perform limit verification on this payment. Figure 6 As shown, the asset data processing method may include:

[0142] User payment:

[0143] S411: The user terminal responds to the user's trigger operation and sends an order request to the business backend. The order request carries information such as the remittance amount and currency.

[0144] Specifically, the order request may be a request to transfer the remittance amount of the first currency of the transfer initiator to the foreign exchange platform through the user terminal, so that the foreign exchange platform transfers the converted amount of the second currency equivalent to the remittance amount of the first currency to the asset account of the transfer recipient.

[0145] S412: The business backend queries the quota service for the user's current accumulated quota. The query request carries information such as the user's ID number and quota type.

[0146] S413: The limit service returns the user's accumulated remittance quota for the day and the month.

[0147] S414: The business backend inputs the remittance amount sent by the user terminal and the current accumulated amount returned by the limit service into the limit verification module. After verification, it is returned to the user terminal so that the user terminal can initiate payment verification with the payment center. If the verification fails, the payment process ends and the user is prompted to modify the remittance amount and place the order again, or the user is guided to increase the limit level.

[0148] S415: The user terminal uploads the payment verification information to the payment center, so that the payment center verifies the current order payment according to the payment verification information.

[0149] S416: If the payment verification is successful, the payment center sends the payment result to the user terminal, so that the user terminal jumps to the payment success page and displays the payment success information to the user.

[0150] S417: The payment backend notifies the business backend of the successful payment. The business backend updates the status of the payment order number in the database as successful payment by the user, and records the time of successful payment by the user, the payment order number and other information.

[0151] Initiate foreign exchange purchase and payment:

[0152] S421: The limit accumulation interface of the limit service in the business background is used to request the user's ID number, order number, remittance amount and other information.

[0153] S422: The quota service returns the latest accumulated value for the day and the month.

[0154] S423: The business backend inputs the remittance amount entered by the user and the current accumulated limit returned by the limit service into the limit verification module. If the verification passes, the foreign exchange platform purchase and payment interface is called to initiate a foreign exchange request. If the verification fails, the purchase and payment process ends, the user is refunded, and the limit is rolled back.

[0155] S424: The foreign exchange platform returns the purchase and payment results to the business backend.

[0156] In a cross-border remittance scenario, the method provided in the embodiments of this application performs two limit checks on asset transfer requests, reducing the risk of over-limit asset transfer transactions and improving the security of asset supervision. Furthermore, when a user exceeds their limit, the computer device will issue an identity authentication guidance message prompting the user to upgrade their authentication status, eliminating the need for the user to proactively contact customer service. Submitted documents also adopt a unified standard, facilitating back-end review and reducing labor costs.

[0157] For further information, see Figure 7 , Figure 7 This is an interactive diagram of another asset data processing method provided by the embodiment of the present application. This asset data processing method is applicable to scenarios where virtual assets are transferred across regions or servers in a game, such as Figure 7 As shown, the entire data interaction process includes the user terminal, game background, quota service, transfer center and asset conversion. Among them, the user terminal can be the above Figure 1 The user terminal 11 shown, the game background, quota service, transfer center and asset conversion can be completed by corresponding servers, such as the above Figure 1 The various servers shown can also be integrated into the above Figure 3 The computer equipment shown here is not limited. Figure 6 As shown, the asset data processing method may include:

[0158] User asset transfer:

[0159] S511: The user terminal responds to the user's trigger operation and sends a transfer request to the business backend. The transfer request carries information such as the asset transfer value and asset type.

[0160] Specifically, a transfer request can involve transferring virtual assets in a first currency from a transfer initiator's game account to a transfer recipient in a second currency. The transfer initiator and the transfer recipient can be in different regions. For example, a domestic player named A transfers virtual assets in a first currency from their domestic server account to a US server account named B in a second currency.

[0161] S512: The business backend queries the quota service for the user's current accumulated quota. The query request carries information such as the user account number and quota type.

[0162] S513: The limit service returns the user's accumulated virtual asset transfer quota for the day and the month.

[0163] S514: The business backend inputs the asset transfer value sent by the user terminal and the current cumulative transfer amount returned by the limit service into the limit verification module. After verification, it is returned to the user terminal so that the user terminal can initiate asset transfer verification with the transfer center; if the verification fails, the asset transfer process ends, and the user is prompted to modify the asset transfer value and re-initiate the asset transfer, or the user is guided to increase the limit level.

[0164] S515: The user terminal uploads the transfer verification information to the transfer center, so that the transfer center verifies the asset transfer based on the transfer verification information.

[0165] S516: If the asset transfer verification is successful, the transfer center sends the transfer result to the user terminal, so that the user terminal jumps to the asset transfer success page and displays the asset transfer success information to the user.

[0166] S517: The transfer center backend notifies the game backend that the transfer verification is successful. The game backend updates the status of the transfer order number in the database to user transfer successful, and records the user transfer success time, user transfer order number and other information.

[0167] Initiate virtual asset data transfer:

[0168] S521: The game backend calls the limit service limit accumulation interface, and the request carries information such as user account number, transfer order number, and asset transfer value.

[0169] S522: The quota service returns the latest accumulated value for the day and the month.

[0170] S523: The business backend inputs the asset transfer value entered by the user and the current accumulated amount returned by the limit service into the limit verification module. After the verification passes, the virtual asset transfer interface of the asset conversion is called to initiate a virtual asset transfer request; if the verification fails, the virtual asset transfer process ends, the virtual asset data is returned to the user's game account, and the limit is rolled back.

[0171] S524: The asset conversion platform returns the virtual asset transfer result to the game backend.

[0172] In gaming scenarios, the method provided by the embodiments of this application can be used to develop different limit policies for different game users. The computer device performs a limit check on virtual asset transfer requests. If the limit check fails, the game player will be prompted to perform identity authentication, thereby increasing the game player's limit level and achieving a higher level of virtual asset transfer. Users have a variety of levels of krypton gold when playing games. Using different limit policies for different users simplifies the user's operation process for increasing the limit, better meets user demands, and has a significant effect on business scale growth.

[0173] For further information, see Figure 8 , Figure 8 This is a schematic diagram of the structure of an asset data processing device provided in an embodiment of the present application. Figure 8 As shown, the asset data processing device 2 can be applied to the above Figure 3-Figure 4 Corresponding to the computer device in the embodiment, the asset data processing device 2 may include: a request receiving module 201, a first limit verification module 202, an asset acquisition module 203, an asset transfer module 204 and an identity authentication guidance module 205.

[0174] The request receiving module 201 is configured to receive an asset transfer request from a terminal; the asset transfer request includes a transfer initiator, a transfer recipient, and a target transfer asset value; the relationship between the asset accounts corresponding to the transfer initiator and the transfer recipient is a cross-border account relationship;

[0175] A first limit verification module 202 is configured to perform a transfer asset limit verification on the asset transfer request based on a first accumulated transferred asset value corresponding to the transfer initiating object and a first limit threshold indicated by a first limit level, and obtain a first verification result;

[0176] The asset acquisition module 203 is configured to acquire the target asset share corresponding to the target transfer asset value sent by the terminal if the first verification result is a successful verification result;

[0177] The asset transfer module 204 is configured to convert the target asset shares into asset types based on the cross-border account relationship, obtain converted target asset shares, and transfer the converted target asset shares to a transfer recipient.

[0178] The identity authentication guidance module 205 is used to send identity authentication guidance information for prompting the limit to the terminal if the first verification result is a verification failure result, so that the terminal can upload the identity authentication materials of the transfer initiation object according to the identity recognition guidance information; the identity authentication materials are used to update the first limit level corresponding to the transfer initiation object to the second limit level, and the second limit threshold indicated by the second limit level is greater than the first limit threshold.

[0179] The specific implementation of the request receiving module 201, the first limit verification module 202, the asset acquisition module 203, the asset transfer module 204 and the identity authentication guidance module 205 can be found in the above Figure 3 The description of steps S101-S104 in the corresponding embodiment will not be repeated here.

[0180] See Figure 8The first limit verification module 202 includes: a status query unit 2021, a limit level determination unit 2022, a first asset value acquisition unit 2023 and a first verification unit 2024.

[0181] A status query unit 221 is used to query the identity authentication status of the transfer initiator according to the asset transfer request;

[0182] A quota level determining unit 2022 is configured to obtain a quota level corresponding to the identity authentication state as a first quota level;

[0183] A first asset value obtaining unit 2023 is configured to obtain a first accumulated asset transfer value of the transfer initiating object;

[0184] The first verification unit 2024 is configured to perform a transfer asset limit verification on the asset transfer request according to the first cumulative transferred asset value and a first limit threshold indicated by the first limit level, and obtain a first verification result.

[0185] The specific implementation of the status query unit 2021, the limit level determination unit 2022, the first asset value acquisition unit 2023 and the first verification unit 2024 can be found in the above Figure 3 The description of step S102 in the corresponding embodiment will not be repeated here.

[0186] The first limit threshold includes a single limit threshold and a cumulative limit threshold;

[0187] See Figure 8 The first verification unit 2024 includes: a single verification success subunit 20241, a first cumulative verification subunit 20242 and a single verification failure subunit 20243.

[0188] The single verification success subunit 20241 is configured to determine the target remaining balance asset value based on the first cumulative transferred asset value and the cumulative limit threshold if the target transfer asset value is less than or equal to the single limit threshold;

[0189] The first cumulative verification sub-unit 20242 is configured to verify the transfer asset limit based on the target remaining asset value and the target transfer asset value to obtain a first verification result;

[0190] The single verification failure subunit 20243 is configured to determine that the first verification result is a verification failure result if the target transfer asset value is greater than the single limit threshold.

[0191] The cumulative limit threshold includes a first limit threshold within a first time period and a second limit threshold within a second time period; the first cumulative transferred asset value includes a first cumulative transferred asset value within the first time period and a second cumulative transferred asset value within the second time period; and the length of the first time period is shorter than the length of the second time period.

[0192] The single verification success sub-unit 20241 is specifically used to determine the remaining asset value in the first time period based on the first limit threshold and the first cumulative transfer asset value if the target transfer asset value is less than or equal to the single limit threshold; determine the remaining asset value in the second time period based on the second limit threshold and the second cumulative transfer asset value; if the remaining asset value in the first time period is less than the remaining asset value in the second time period, use the remaining asset value in the first time period as the target remaining asset value; if the remaining asset value in the first time period is greater than or equal to the remaining asset value in the second time period, use the remaining asset value in the second time period as the target remaining asset value.

[0193] Among them, the first cumulative verification sub-unit 20242 is specifically used to determine that the first verification result is a verification failure result if the target remaining asset value is less than the target transfer asset value; if the target remaining asset value is greater than or equal to the target transfer asset value, then determine that the first verification result is a verification success result.

[0194] The specific implementation of the single verification success subunit 20241, the first cumulative verification subunit 20242 and the single verification failure subunit 20243 can be found in the above Figure 4 The description of steps S201-S206 in the corresponding embodiment will not be repeated here.

[0195] See Figure 8 The asset acquisition module 203 includes: a verification instruction sending unit 2031, a verification result determining unit 2032, a verification pass processing unit 2033 and an order number generating unit 2034.

[0196] The verification instruction sending unit 2031 is used to send an asset transfer verification instruction to the terminal, so that the terminal sends asset transfer verification information according to the asset transfer verification instruction;

[0197] The verification result determining unit 2032 is configured to determine the asset transfer verification result of the transfer initiator for the target transfer asset value based on the asset transfer verification information sent by the terminal;

[0198] The verification pass processing unit 2033 is configured to obtain the target asset share corresponding to the target transfer asset value from the asset account corresponding to the transfer initiator if the asset transfer verification result is asset transfer verification passed;

[0199] The order number generating unit 2034 is configured to generate a target asset transfer order number for the asset transfer request according to the target asset share.

[0200] The specific implementation of the verification instruction sending unit 2031, the verification result determining unit 2032, the verification passing processing unit 2033 and the order number generating unit 2034 can be found in the above Figure 3 The description of step S103 in the corresponding embodiment will not be repeated here.

[0201] Among them, the asset acquisition module includes an order number generation unit;

[0202] See Figure 8 , the asset data processing device 2 further includes: an asset value determination module 206, a second limit verification module 207, a verification failure execution module 208 and a verification success execution module 209.

[0203] An asset value determination module 206 is configured to determine a second accumulated transferred asset value corresponding to the transfer initiating object based on the first accumulated transferred asset value and the target asset transfer order number;

[0204] A second limit verification module 207 is configured to perform a transfer asset limit verification on the asset transfer request based on the second accumulated transferred asset value and the first limit threshold indicated by the first limit level, and obtain a second verification result;

[0205] The verification failure execution module 208 is used to send identity authentication guidance information for prompting the limit to the terminal if the second verification result is a verification failure result, return the target asset share to the transfer initiating object, and restore the second cumulative transfer asset value corresponding to the transfer initiating object to the first cumulative transfer asset value.

[0206] The verification success execution module 209 is used to execute the steps of converting the target asset share into an asset type according to the cross-border account relationship if the second verification result is a verification success result, obtaining the converted target asset share, and transferring the converted target asset share to the transfer recipient.

[0207] The specific implementation of the asset value determination module 206, the second limit verification module 207, the verification failure execution module 208 and the verification success execution module 209 can be found in the above Figure 3 The description of step S103 in the corresponding embodiment will not be repeated here.

[0208] See Figure 8 The asset value determination module 206 includes: an order number acquisition unit 2061 and a second asset value acquisition unit 2062.

[0209] The order number acquisition unit 2061 is configured to acquire the transfer business order number of the transfer initiation object, and use the transfer business order number that has not been added to the first accumulated transferred asset value as the transfer business order number to be accumulated; the transfer business order number to be accumulated includes the target asset transfer order number;

[0210] The second asset value obtaining unit 2062 is configured to add the first accumulated transferred asset value and the asset value to be transferred associated with the business order number to be transferred, to obtain a second accumulated transferred asset value of the transfer initiating object.

[0211] The specific implementation of the order number acquisition unit 2061 and the second asset value acquisition unit 2062 can be found in the above Figure 3 The description of step S103 in the corresponding embodiment will not be repeated here.

[0212] See Figure 8 The second limit verification module 207 includes: a verification failure determination unit 2071 and a verification success determination unit 2072.

[0213] a verification failure determining unit 2071 configured to determine that the second verification result is a verification failure result if the second accumulated transferred asset value is greater than the first limit threshold;

[0214] The verification success determination unit 2072 is configured to determine that the second verification result is a verification success result if the second accumulated transferred asset value is less than or equal to the first limit threshold.

[0215] The specific implementation of the verification failure determination unit 2071 and the verification success determination unit 2072 can be found in the above Figure 3 The description of step S103 in the corresponding embodiment will not be repeated here.

[0216] See Figure 8 The identity authentication guidance module 205 includes: a threshold acquisition unit 2051, a threshold determination unit 2052, a first level determination unit 2053, a behavior acquisition unit 2054, a label determination unit 2055, a second level determination unit 2056 and a guidance information sending unit 2057.

[0217] The threshold acquisition unit 2051 is configured to acquire at least two quota thresholds; the at least two quota thresholds include a first quota threshold;

[0218] The threshold determination unit 2052 is configured to use, among the at least two limit thresholds, the limit threshold that is greater than or equal to the sum of the target transfer asset value and the first cumulative transfer asset value as the pending limit threshold; and use the smallest pending limit threshold among the pending limit thresholds as the second limit threshold;

[0219] The first level determining unit 2053 is configured to set the quota level corresponding to the second quota threshold as the second quota level;

[0220] The behavior acquisition unit 2054 is used to acquire the asset management behavior of the transfer initiator in the asset management application and generate asset behavior features corresponding to the asset management behavior through the limit recognition model;

[0221] The label determination unit 2055 is used to output a predicted limit label corresponding to the asset behavior characteristics in the limit recognition model;

[0222] A second level determining unit 2056 is configured to use the quota level corresponding to the predicted quota tag as the second quota level;

[0223] The guidance information sending unit 2057 is used to obtain identity authentication guidance information for prompting the limit corresponding to the second limit level, and send the identity authentication guidance information to the terminal.

[0224] The specific implementation of the threshold acquisition unit 2051, the threshold determination unit 2052, the first level determination unit 2053, the behavior acquisition unit 2054, the label determination unit 2055, the second level determination unit 2056 and the guidance information sending unit 2057 can be found in the above Figure 3 The description of step S104 in the corresponding embodiment will not be repeated here.

[0225] See Figure 8 The asset data processing device 2 also includes: a material receiving module 210, an authentication instruction sending module 211, an audit result receiving module 212 and an audit result processing module 213.

[0226] The material receiving module 210 is used to receive the identity authentication material of the transfer initiator sent by the terminal;

[0227] An authentication instruction sending module 211 is configured to send an identity authentication instruction carrying identity authentication materials to the second terminal, so that the second terminal can review the identity authentication materials according to the identity authentication instruction;

[0228] The review result receiving module 212 is used to receive the review result of the identity authentication material sent by the second terminal;

[0229] The audit result processing module 213 is used to update the first limit level corresponding to the transfer initiation object to the second limit level if the audit result is a successful audit result; the second limit threshold indicated by the second limit level is greater than the first limit threshold; if the audit result is a failed audit result, an authentication failure instruction is sent to the terminal.

[0230] The specific implementation of the material receiving module 210, the authentication instruction sending module 211, the audit result receiving module 212 and the audit result processing module 213 can be found in the above Figure 3 The description of step S104 in the corresponding embodiment will not be repeated here.

[0231] For further information, see Figure 9 , Figure 9 This is a schematic diagram of the structure of a computer device provided in an embodiment of the present application. Figure 9 As shown, the computer device 1000 can be applied to a server, which can be the above-mentioned Figure 1 The transfer server 101, the backend server 102, the quota storage server 103 or the asset conversion server 104 in the corresponding embodiment; the computer device 1000 can also be the above Figure 3 The computer device in the corresponding embodiment. The computer device 1000 may include: a processor 1001, a network interface 1004 and a memory 1005. In addition, the computer device 1000 may also include: a user interface 1003, and at least one communication bus 1002. The communication bus 1002 is used to realize the connection and communication between these components. The user interface 1003 may optionally include a standard wired interface and a wireless interface. The network interface 1004 may optionally include a standard wired interface and a wireless interface (such as a WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory, such as at least one disk memory. The memory 1005 may optionally be at least one storage device located away from the aforementioned processor 1001. As Figure 9 As shown, the memory 1005 as a computer storage medium may include an operating system, a network communication module, a user interface module, and a device control application program.

[0232] The network interface 1004 in the computer device 1000 can also be connected to the above Figure 1 The user terminal 11 in the corresponding embodiment is connected to the network. Figure 9 In the computer device 1000 shown, the network interface 1004 can provide network communication functions; the user interface 1003 is mainly used to provide an interface for user input; and the processor 1001 can be used to call the device control application stored in the memory 1005 to achieve:

[0233] The receiving terminal's asset transfer request includes the transfer initiator, the transfer recipient, and the target transfer asset value. The relationship between the asset accounts corresponding to the transfer initiator and the transfer recipient is a cross-border account relationship.

[0234] Performing a transfer asset limit verification on the asset transfer request based on a first accumulated transfer asset value corresponding to the transfer initiating object and a first limit threshold indicated by the first limit level to obtain a first verification result;

[0235] If the first verification result is a successful verification result, the target asset share corresponding to the target transfer asset value sent by the terminal is obtained, the asset type of the target asset share is converted according to the cross-border account relationship, and the converted target asset share is obtained, and the converted target asset share is transferred to the transfer recipient;

[0236] If the first verification result is a verification failure result, identity authentication guidance information for prompting the limit is sent to the terminal, so that the terminal uploads the identity authentication materials of the transfer initiating object according to the identity recognition guidance information; the identity authentication materials are used to update the first limit level corresponding to the transfer initiating object to the second limit level, and the second limit threshold indicated by the second limit level is greater than the first limit threshold.

[0237] It should be understood that the computer device 1000 described in the embodiment of the present application can execute the above Figure 3 The description of the computer device in the corresponding embodiment can also be performed as described above. Figure 8 The description of the asset data processing device 2 in the corresponding embodiment will not be repeated here. In addition, the description of the beneficial effects of adopting the same method will not be repeated here either.

[0238] In addition, it should be pointed out that: the embodiment of the present application also provides a computer storage medium, and the computer storage medium stores the computer program executed by the asset data processing device 2 mentioned above. When the processor executes the computer program, it can execute the above-mentioned Figure 3 The description of the asset data processing method in the corresponding embodiment will not be repeated here. Furthermore, the description of the beneficial effects of using the same method will not be repeated here. For technical details not disclosed in the computer storage medium embodiments involved in this application, please refer to the description of the method embodiments of this application.

[0239] For further information, see Figure 10 , Figure 10 This is a structural diagram of another asset data processing device provided by an embodiment of the present invention. Figure 10 As shown, the asset data processing device 3 can be applied to the above Figure 5 Corresponding to the terminal in the embodiment, the asset data processing device 3 may include: a response acquisition module 31 , a request generation module 32 , a request sending module 33 , a verification success processing module 34 and a verification failure processing module 35 .

[0240] A response acquisition module 31 is used to respond to a trigger operation for the asset transfer function in the asset transfer interface and acquire the transfer initiator, transfer recipient, and target transfer asset value; the relationship between the asset accounts corresponding to the transfer initiator and transfer recipient is a cross-border account relationship;

[0241] A request generation module 32 is configured to generate an asset transfer request based on a transfer initiating object, a transfer receiving object, and a target transfer asset value;

[0242] a request sending module 33 configured to send the asset transfer request to the server, so that the server performs a transfer asset limit verification on the target transfer asset value based on the asset transfer request, the accumulated transfer asset value corresponding to the transfer initiating object, and a first limit threshold indicated by the first limit level, to obtain a first verification result;

[0243] The verification success processing module 34 is configured to, if the first verification result is a verification success result, send the target asset shares corresponding to the target transfer asset value to the server, so that the server converts the target asset shares into asset types based on the cross-border account relationship, obtains the converted target asset shares, and transfers the converted target asset shares to the transfer recipient;

[0244] The verification failure processing module 35 is used to obtain the identity authentication guidance information sent by the server for prompting the limit if the first verification result is a verification failure result, and upload the identity authentication materials of the transfer initiation object according to the identity recognition guidance information; the identity authentication materials are used to update the first limit level corresponding to the transfer initiation object to the second limit level, and the second limit threshold indicated by the second limit level is greater than the first limit threshold.

[0245] The specific implementation of the response acquisition module 31, the request generation module 32, the request sending module 33, the verification success processing module 34 and the verification failure processing module 35 can be found in the above Figure 5 The description of steps S301-S305 in the corresponding embodiment will not be repeated here.

[0246] Further, see Figure 11 , Figure 11 This is a schematic diagram of the structure of another computer device provided in an embodiment of the present application. Figure 11 As shown, the computer device 2000 can be applied to a terminal, which can be the above-mentioned Figure 1The user terminal 11 in the corresponding embodiment. The computer device 2000 may include: a processor 2001, a network interface 2004 and a memory 2005. In addition, the above-mentioned computer device 2000 also includes: a user interface 2003, and at least one communication bus 2002. Among them, the communication bus 2002 is used to realize the connection and communication between these components. The network interface 2004 may optionally include a standard wired interface, a wireless interface (such as a WI-FI interface). The memory 2005 may be a high-speed RAM memory, or a non-volatile memory (non-volatile memory), such as at least one disk storage. The memory 2005 may optionally also be at least one storage device located away from the aforementioned processor 2001. As Figure 11 As shown, the memory 2005 as a computer-readable storage medium may include an operating system, a network communication module, a user interface module, and a device control application.

[0247] exist Figure 11 In the computer device 2000 shown, the network interface 2004 can provide network communication functions; the user interface 2003 is mainly used to provide an interface for user input; and the processor 2001 can be used to call the device control application stored in the memory 2005 to achieve:

[0248] Respond to the trigger operation for the asset transfer function in the asset transfer interface to obtain the transfer initiator, transfer recipient, and target transfer asset value; the relationship between the asset accounts corresponding to the transfer initiator and transfer recipient is a cross-border account relationship;

[0249] Generate an asset transfer request based on the transfer initiator, transfer recipient, and target transfer asset value;

[0250] Sending the asset transfer request to the server, so that the server performs a transfer asset limit check on the target transfer asset value based on the asset transfer request, the accumulated transfer asset value corresponding to the transfer initiator, and the first limit threshold indicated by the first limit level, to obtain a first verification result;

[0251] If the first verification result is a successful verification result, the target asset shares corresponding to the target transfer asset value are sent to the server, so that the server converts the target asset shares into asset types based on the cross-border account relationship, obtains the converted target asset shares, and transfers the converted target asset shares to the transfer recipient;

[0252] If the first verification result is a verification failure result, obtain the identity authentication guidance information sent by the server for prompting the limit, and upload the identity authentication materials of the transfer initiating object according to the identity recognition guidance information; the identity authentication materials are used to update the first limit level corresponding to the transfer initiating object to the second limit level, and the second limit threshold indicated by the second limit level is greater than the first limit threshold.

[0253] It should be understood that the computer device 2000 described in the embodiment of the present application can execute the above Figure 5 The description of the corresponding embodiment can also be performed Figure 10 The description of the asset data processing device 3 in the corresponding embodiment will not be repeated here. In addition, the description of the beneficial effects of adopting the same method will not be repeated here either.

[0254] In addition, it should be pointed out that: the embodiment of the present application also provides a computer-readable storage medium, and the computer-readable storage medium stores the computer program executed by the asset data processing device 3 mentioned above. When the processor executes the computer program, it can execute the above-mentioned Figure 5 The description of the asset data processing method in the corresponding embodiment will not be repeated here. Furthermore, the description of the beneficial effects of using the same method will not be repeated here. For technical details not disclosed in the computer storage medium embodiments involved in this application, please refer to the description of the method embodiments of this application.

[0255] The above-mentioned computer-readable storage medium can be the asset data processing device provided in any of the aforementioned embodiments or the internal storage unit of the above-mentioned computer device, such as the hard disk or memory of the computer device. The computer-readable storage medium can also be an external storage device of the computer device, such as a plug-in hard disk, a smart media card (SMC), a secure digital (SD) card, a flash card, etc. equipped on the computer device. Furthermore, the computer-readable storage medium can also include both the internal storage unit of the computer device and an external storage device. The computer-readable storage medium is used to store the computer program and other programs and data required by the computer device. The computer-readable storage medium can also be used to temporarily store data that has been output or is to be output.

[0256] The above disclosure is only a preferred embodiment of the present application, and certainly cannot be used to limit the scope of rights of the present application. Therefore, equivalent changes made according to the claims of the present application are still within the scope covered by the present application.

Claims

1. A method for processing asset data, characterized in that: include: Receive the terminal's asset transfer request; The asset transfer request includes a transfer initiating object, a transfer receiving object, and a target transfer asset value; The relationship between the asset accounts corresponding to the transfer initiator and the transfer recipient is a cross-border account relationship; performing a transfer asset limit verification on the asset transfer request based on a first accumulated transfer asset value corresponding to the transfer initiating object and a first limit threshold indicated by a first limit level, to obtain a first verification result; The first limit level is determined based on the identity authentication status of the transfer initiator, and different identity authentication statuses correspond to different limit levels; If the first verification result is a successful verification result, obtaining the target asset share corresponding to the target transfer asset value sent by the terminal, performing asset type conversion on the target asset share according to the cross-border account relationship to obtain the converted target asset share, and transferring the converted target asset share to the transfer recipient; If the first verification result is a verification failure result, obtaining the asset management behavior of the transfer initiating object in the asset management application, and generating an asset behavior feature corresponding to the asset management behavior through a limit recognition model; Output a predicted limit label corresponding to the asset behavior feature in the limit identification model, where different predicted limit labels correspond to different limit levels; use the limit level corresponding to the predicted limit label as the second limit level; obtain identity authentication guidance information for prompting the limit corresponding to the second limit level, and send the identity authentication guidance information to the terminal so that the terminal uploads the identity authentication material of the transfer initiation object according to the identity authentication guidance information; the identity authentication material is used to update the first limit level corresponding to the transfer initiation object to the second limit level, and the second limit threshold indicated by the second limit level is greater than the first limit threshold.

2. The method according to claim 1, characterized in that The step of performing a transfer asset limit check on the asset transfer request based on the first accumulated transferred asset value corresponding to the transfer initiating object and a first limit threshold indicated by the first limit level to obtain a first check result includes: Query the identity authentication status of the transfer initiator according to the asset transfer request; Obtaining the quota level corresponding to the identity authentication status as the first quota level; Obtaining a first accumulated asset transfer value of the transfer initiating object; The asset transfer request is subjected to a transfer asset limit verification according to the first accumulated transferred asset value and a first limit threshold indicated by the first limit level to obtain a first verification result.

3. The method according to claim 2, characterized in that The first limit threshold includes a single limit threshold and a cumulative limit threshold; The step of performing a transfer asset limit verification on the asset transfer request based on the first accumulated transferred asset value and a first limit threshold indicated by the first limit level to obtain a first verification result includes: If the target transfer asset value is less than or equal to the single limit threshold, determining a target remaining balance asset value based on the first cumulative transfer asset value and the cumulative limit threshold, and performing a transfer asset limit verification based on the target remaining balance asset value and the target transfer asset value to obtain a first verification result; If the target transfer asset value is greater than the single limit threshold, the first verification result is determined to be a verification failure result.

4. The method according to claim 3, characterized in that The cumulative limit threshold includes a first limit threshold within a first time period and a second limit threshold within a second time period; The first accumulated transferred asset value includes a first accumulated transferred asset value within the first time period and a second accumulated transferred asset value within the second time period; The duration of the first time period is shorter than the duration of the second time period; The step of determining the target remaining balance asset value based on the first accumulated transferred asset value and the accumulated limit threshold includes: Determine the remaining asset value within the first time period based on the first limit threshold and the first accumulated transferred asset value; Determine the remaining asset value within the second time period based on the second limit threshold and the second accumulated transferred asset value; If the remaining asset value in the first time period is less than the remaining asset value in the second time period, the remaining asset value in the first time period is used as the target remaining asset value; If the remaining asset value in the first time period is greater than or equal to the remaining asset value in the second time period, the remaining asset value in the second time period is used as the target remaining asset value.

5. The method according to claim 3, characterized in that The performing of the transfer asset limit verification based on the target remaining asset value and the target transfer asset value to obtain a first verification result includes: If the target remaining balance asset value is less than the target transfer asset value, determining the first verification result as a verification failure result; If the target remaining balance asset value is greater than or equal to the target transfer asset value, the first verification result is determined to be a verification success result.

6. The method according to claim 1, characterized in that The acquiring of the target asset share corresponding to the target transfer asset value sent by the terminal includes: sending an asset transfer verification instruction to the terminal, so that the terminal sends asset transfer verification information according to the asset transfer verification instruction; determining, based on the asset transfer verification information sent by the terminal, an asset transfer verification result of the transfer initiator for the target transfer asset value; If the asset transfer verification result is that the asset transfer verification is passed, the target asset share corresponding to the target transfer asset value is obtained from the asset account corresponding to the transfer initiator, and a target asset transfer order number for the asset transfer request is generated based on the target asset share; The method further comprises: Determine a second accumulated transferred asset value corresponding to the transfer initiating object according to the first accumulated transferred asset value and the target asset transfer order number; performing a transfer asset limit verification on the asset transfer request based on the second accumulated transferred asset value and a first limit threshold indicated by the first limit level to obtain a second verification result; If the second verification result is a successful verification result, the step of converting the target asset share into an asset type according to the cross-border account relationship to obtain the converted target asset share and transferring the converted target asset share to the transfer recipient is executed.

7. The method according to claim 6, characterized in that The determining, according to the first accumulated transferred asset value and the target asset transfer order number, a second accumulated transferred asset value corresponding to the transfer initiating object includes: Obtaining a transfer business order number of the transfer initiating object, and using a transfer business order number among the transfer business order numbers that has not been added to the first accumulated transferred asset value as a transfer business order number to be accumulated; the transfer business order number to be accumulated includes the target asset transfer order number; The first accumulated transferred asset value and the to-be-transferred asset value associated with the to-be-accumulated transfer business order number are added together to obtain a second accumulated transferred asset value of the transfer initiating object.

8. The method according to claim 6, characterized in that The step of performing a transfer asset limit check on the target transfer asset value based on the second accumulated transfer asset value and a first limit threshold indicated by the first limit level to obtain a second check result includes: If the second accumulated transferred asset value is greater than the first limit threshold, determining the second verification result as a verification failure result; If the second accumulated transferred asset value is less than or equal to the first limit threshold, the second verification result is determined to be a verification success result.

9. The method according to claim 6, characterized in that Also includes: If the second verification result is a verification failure result, identity authentication guidance information for prompting the limit is sent to the terminal, the target asset share is returned to the transfer initiating object, and the second cumulative transfer asset value corresponding to the transfer initiating object is restored to the first cumulative transfer asset value.

10. The method according to claim 1, characterized in that Also includes: Receiving the identity authentication materials of the transfer initiator sent by the terminal; sending an identity authentication instruction carrying the identity authentication material to the second terminal, so that the second terminal reviews the identity authentication material according to the identity authentication instruction; receiving a review result of the identity authentication material sent by the second terminal; If the audit result is a successful audit result, the first limit level corresponding to the transfer initiating object is updated to the second limit level; A second quota threshold indicated by the second quota level is greater than the first quota threshold; If the audit result is an audit failure result, an authentication failure instruction is sent to the terminal.

11. A method for processing asset data, characterized in that: include: Respond to the trigger operation for the asset transfer function in the asset transfer interface, and obtain the transfer initiator object, transfer recipient object, and target transfer asset value; The relationship between the asset accounts corresponding to the transfer initiator and the transfer recipient is a cross-border account relationship; generating an asset transfer request according to the transfer initiating object, the transfer receiving object, and the target transfer asset value; Sending the asset transfer request to a server, so that the server performs a transfer asset limit verification on the asset transfer request based on the asset transfer request, the accumulated transfer asset value corresponding to the transfer initiating object, and a first limit threshold indicated by the first limit level, to obtain a first verification result; The first limit level is determined based on the identity authentication status of the transfer initiator, and different identity authentication statuses correspond to different limit levels; If the first verification result is a successful verification result, the target asset share corresponding to the target transfer asset value is sent to the server, so that the server converts the target asset share into an asset type according to the cross-border account relationship to obtain the converted target asset share, and transfers the converted target asset share to the transfer recipient; If the first verification result is a verification failure result, obtaining the identity authentication guidance information for prompting the limit sent by the server, and uploading the identity authentication materials of the transfer initiating object according to the identity recognition guidance information; the identity authentication materials are used to update the first limit level corresponding to the transfer initiating object to a second limit level, and the second limit threshold indicated by the second limit level is greater than the first limit threshold; the identity authentication guidance information is the identity authentication guidance information for prompting the limit corresponding to the second limit level, and the second limit level is determined by: obtaining the asset management behavior of the transfer initiating object in the asset management application, and generating asset behavior characteristics corresponding to the asset management behavior through a limit recognition model; In the limit identification model, a predicted limit label corresponding to the asset behavior feature is output, and different predicted limit labels correspond to different limit levels; the limit level corresponding to the predicted limit label is used as the second limit level.

12. A computer device, characterized in that: include: processor, memory, and network interface; The processor is connected to the memory and the network interface, wherein the network interface is used to provide a network communication function, the memory is used to store program code, and the processor is used to call the program code to execute the method described in any one of claims 1-11.

13. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, which is suitable for being loaded by a processor and executing the method according to any one of claims 1 to 11.

14. A computer program product, characterized in that The computer program product comprises computer instructions, and the computer instructions are executed to implement the method according to any one of claims 1 to 11.

Images