Resource transfer processing method, apparatus, computer readable medium, and electronic device

Abstract

Embodiments of the present application provide a resource transfer processing method, device, computer readable medium and electronic equipment. The resource transfer processing method comprises: receiving a resource transfer request; querying account information of a resource receiver according to identification information of the resource receiver; if the account information of the resource receiver is not queried according to the identification information of the resource receiver, after deducting the to-be-transferred resource indicated in the resource transfer request from an account of a resource transferor, temporarily storing the to-be-transferred resource deducted from the account of the resource transferor; and within a predetermined time period after temporarily storing the to-be-transferred resource, if it is detected that the resource receiver registers an account, transferring the to-be-transferred resource to the account of the resource receiver. The technical solution of the embodiments of the present application can realize resource transfer processing when the resource receiver does not register an account, and can also ensure the security of the resource transfer process.

Description

Technical Field

[0001] This application relates to the fields of computer and communication technology, and more specifically, to a resource transfer processing method, apparatus, computer-readable medium, and electronic device. Background Technology

[0002] In payment and transfer applications, to ensure the security of the transfer, the payer usually needs to enter the recipient's account and verify the recipient's account before the transfer can be processed. However, in some cases, the payer may not know the recipient's account information or whether the recipient has registered the corresponding account. In such cases, the payer will not be able to process the transfer while ensuring security. Summary of the Invention

[0003] The embodiments of this application provide a resource transfer processing method, apparatus, computer-readable medium, and electronic device, which can at least to some extent enable the resource transferor to perform resource transfer processing even when the resource recipient has not registered an account, while also ensuring the security of the resource transfer process.

[0004] Other features and advantages of this application will become apparent from the following detailed description, or may be learned in part from practice of this application.

[0005] According to one aspect of the embodiments of this application, a resource transfer processing method is provided, comprising: receiving a resource transfer request, the resource transfer request including account information of a resource transferor and identification information of a resource recipient; querying the account information of the resource recipient based on the identification information of the resource recipient; if the account information of the resource recipient is not found based on the identification information of the resource recipient, then after deducting the resources to be transferred indicated in the resource transfer request from the account of the resource transferor, temporarily storing the resources to be transferred deducted from the account of the resource transferor; and if, within a predetermined period of time after temporarily storing the resources to be transferred, it is detected that the resource recipient has registered an account, then transferring the resources to be transferred to the account of the resource recipient.

[0006] According to one aspect of the embodiments of this application, a resource transfer processing method is provided, comprising: displaying a resource transfer interface, the resource transfer interface including a first input box for inputting identification information of a resource recipient and a second input box for inputting resources to be transferred; if no account information corresponding to the identification information entered in the first input box is found, then displaying a first prompt message, the first prompt message being used to inquire whether to perform resource pre-transfer processing; if a confirmation instruction for performing resource pre-transfer processing is received, then displaying a confirmation transfer interface; if a confirmation instruction triggered on the confirmation transfer interface is detected, then displaying a notification message of successful resource pre-transfer, the confirmation instruction being used to trigger the deduction of the resources to be transferred from the account of the resource transferor, and temporarily storing the resources to be transferred deducted from the account of the resource transferor.

[0007] According to one aspect of the embodiments of this application, a resource transfer processing apparatus is provided, comprising: a receiving unit configured to receive a resource transfer request, the resource transfer request including account information of a resource transferor and identification information of a resource recipient; a querying unit configured to query the account information of the resource recipient based on the identification information of the resource recipient; a first processing unit configured to, if the account information of the resource recipient is not found based on the identification information of the resource recipient, temporarily store the resource to be transferred deducted from the account of the resource transferor after deducting the resource to be transferred indicated in the resource transfer request; and a second processing unit configured to, within a predetermined time period after temporarily storing the resource to be transferred, if it is detected that the resource recipient has registered an account, transfer the resource to be transferred to the account of the resource recipient.

[0008] In some embodiments of this application, based on the foregoing scheme, the first processing unit is further configured to: if the account information of the resource recipient is not found according to the identification information of the resource recipient, then present a first prompt message, the first prompt message being used to inquire whether to perform resource pre-transfer processing; if a confirmation instruction to perform resource pre-transfer processing is received, then deduct the resources to be transferred indicated in the resource transfer request from the account of the resource transferor.

[0009] In some embodiments of this application, based on the foregoing scheme, the first processing unit is further configured to: after deducting the resources to be transferred as indicated in the resource transfer request from the account of the resource transferor, send a notification message to the resource recipient, the notification message being used to prompt the resource recipient to register an account to receive the resources to be transferred.

[0010] In some embodiments of this application, based on the foregoing scheme, the first processing unit is configured to: present a second prompt message, the second prompt message being used to prompt the resource recipient to send a notification message; if a trigger instruction for the second prompt message is received, then the interface of a third-party application is invoked, and the notification message is sent to the selected contact in the third-party application.

[0011] In some embodiments of this application, based on the foregoing scheme, the second processing unit is further configured to: receive a resource receiving request sent by the resource recipient based on the notification message; guide the resource recipient to perform registration processing according to the resource receiving request, or present registration prompt information to the resource recipient according to the resource receiving request.

[0012] In some embodiments of this application, based on the foregoing scheme, the second processing unit is further configured to: if no account is detected being registered by the resource recipient within a predetermined time period after the resource to be transferred is temporarily stored, or if the resource transferor cancels the resource transfer request, then the temporarily stored resource to be transferred is returned to the account of the resource transferor.

[0013] In some embodiments of this application, based on the foregoing scheme, the resource transfer processing device further includes: a third processing unit configured to, upon receiving the resource transfer request, if it is confirmed that resource transfer processing is required, create a resource transfer order; and mark the registration identifier of the resource recipient contained in the resource transfer order according to whether the resource recipient has registered account information; the second processing unit is further configured to: detect whether the resource recipient has registered an account based on the registration identifier of the resource recipient contained in the resource transfer order.

[0014] In some embodiments of this application, based on the foregoing scheme, the third processing unit is configured to: if the resource recipient's account information is not found based on the resource recipient's identifier information, then when creating a resource transfer order, mark the resource recipient's registration identifier contained in the resource transfer order as unregistered; periodically acquire unprocessed resource transfer orders, and if the creation time of the acquired resource transfer order does not exceed the predetermined time, then when the resource recipient's registered account is found based on the resource recipient's identifier contained in the resource transfer order, mark the resource recipient's registration identifier contained in the resource transfer order as registered.

[0015] In some embodiments of this application, based on the foregoing scheme, the first processing unit is further configured to: if the account information of the resource recipient is found according to the identification information of the resource recipient, then deduct the resource to be transferred indicated in the resource transfer request from the account of the resource transferor, and directly transfer the deducted resource to be transferred to the account of the resource recipient.

[0016] According to one aspect of the embodiments of this application, a resource transfer processing apparatus is provided, comprising: a first display unit configured to display a resource transfer interface, the resource transfer interface including a first input box for inputting identification information of a resource recipient and a second input box for inputting resources to be transferred; a second display unit configured to display a first prompt message if no account information corresponding to the identification information entered in the first input box is found, the first prompt message being used to inquire whether to perform resource pre-transfer processing; a third display unit configured to display a confirmation transfer interface if a confirmation instruction for performing resource pre-transfer processing is received; and a fourth display unit configured to display a notification message of successful resource pre-transfer if a confirmation instruction triggered on the confirmation transfer interface is detected, the confirmation instruction being used to trigger the deduction of the resources to be transferred from the account of the resource transferor and to temporarily store the resources to be transferred deducted from the account of the resource transferor.

[0017] In some embodiments of this application, based on the foregoing scheme, the fourth display unit is configured to: display a resource pre-transfer success interface, the resource pre-transfer success interface displays the notification message, and display a second prompt message on the resource pre-transfer success interface, the second prompt message being used to prompt the sending of a notification message to the resource recipient.

[0018] In some embodiments of this application, based on the foregoing scheme, the confirmation transfer interface includes a third input box and a confirmation control. The third input box is used to input other identification information of the resource recipient, and the confirmation control is used to receive the confirmation instruction.

[0019] According to one aspect of the embodiments of this application, a computer-readable medium is provided having a computer program stored thereon, which, when executed by a processor, implements the resource transfer processing method as described in the above embodiments.

[0020] According to one aspect of the embodiments of this application, an electronic device is provided, including: one or more processors; and a storage device for storing one or more programs, which, when executed by the one or more processors, cause the one or more processors to implement the resource transfer processing method as described in the above embodiments.

[0021] According to one aspect of the embodiments of this application, a computer program product or computer program is provided, which includes computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium and executes the computer instructions, causing the computer device to perform the resource transfer processing method provided in the various alternative embodiments described above.

[0022] In some embodiments of this application, when the resource recipient's account information is not found based on the resource recipient's identification information, the resource to be transferred as indicated in the resource transfer request is deducted from the resource transferor's account, and the deducted resource to be transferred is temporarily stored. If the resource recipient has registered an account within a predetermined period after the resource to be transferred is temporarily stored, the resource to be transferred is transferred to the resource recipient's account. This ensures that the resource transferor can perform resource transfer even if the resource recipient has not registered an account. Furthermore, since the resource to be transferred is temporarily stored and the timeliness of resource transfer (i.e., the predetermined period) is taken into account, the security of the resource transfer process can be guaranteed.

[0023] It should be understood that the above general description and the following detailed description are exemplary and explanatory only, and do not limit this application. Attached Figure Description

[0024] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application. It is obvious that the drawings described below are merely some embodiments of this application, and those skilled in the art can obtain other drawings based on these drawings without any inventive effort. In the drawings:

[0025] Figure 1 A schematic diagram of an exemplary system architecture to which the technical solutions of the embodiments of this application can be applied is shown;

[0026] Figure 2 A flowchart of a resource transfer processing method according to an embodiment of this application is shown;

[0027] Figure 3 A flowchart of a resource transfer processing method according to an embodiment of this application is shown;

[0028] Figures 4 to 12 A user interface diagram of a transfer scenario according to an embodiment of this application is shown;

[0029] Figure 13 A diagram illustrating the flow of funds during a transfer process according to an embodiment of this application is shown;

[0030] Figure 14 A state transition diagram of a transfer process according to an embodiment of this application is shown;

[0031] Figure 15 A state transition diagram of a transfer process according to an embodiment of this application is shown;

[0032] Figure 16 A flowchart of a resource management method in a transfer scenario according to an embodiment of this application is shown;

[0033] Figure 17 A flowchart of a resource management method in a transfer scenario according to an embodiment of this application is shown;

[0034] Figure 18 A block diagram of a resource transfer processing apparatus according to an embodiment of this application is shown;

[0035] Figure 19 A block diagram of a resource transfer processing apparatus according to an embodiment of this application is shown;

[0036] Figure 20 A schematic diagram of the structure of a computer system suitable for implementing the electronic device of the present application is shown. Detailed Implementation

[0037] Exemplary embodiments will now be described more fully with reference to the accompanying drawings. However, these exemplary embodiments can be implemented in many forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided to make this application more comprehensive and complete, and to fully convey the concept of the exemplary embodiments to those skilled in the art.

[0038] Furthermore, the described features, structures, or characteristics can be combined in any suitable manner in one or more embodiments. Numerous specific details are provided in the following description to give a thorough understanding of embodiments of this application. However, those skilled in the art will recognize that the technical solutions of this application can be practiced without one or more of the specific details, or other methods, components, apparatuses, steps, etc., can be employed. In other instances, well-known methods, apparatuses, implementations, or operations are not shown or described in detail to avoid obscuring various aspects of this application.

[0039] The block diagrams shown in the accompanying drawings are merely functional entities and do not necessarily correspond to physically independent entities. That is, these functional entities can be implemented in software, in one or more hardware modules or integrated circuits, or in different network and / or processor devices and / or microcontroller devices.

[0040] The flowcharts shown in the accompanying drawings are merely illustrative and do not necessarily include all content and operations / steps, nor do they necessarily need to be performed in the described order. For example, some operations / steps can be broken down, while others can be combined or partially combined; therefore, the actual execution order may change depending on the specific circumstances.

[0041] It should be noted that "multiple" in this article refers to two or more. "And / or" describes the relationship between related objects, indicating that three relationships can exist. For example, A and / or B can represent: A alone, A and B simultaneously, or B alone. The character " / " generally indicates that the preceding and following related objects have an "or" relationship.

[0042] Figure 1 A schematic diagram of an exemplary system architecture to which the technical solutions of the embodiments of this application can be applied is shown.

[0043] like Figure 1 As shown, the system architecture 100 may include a resource management server 101 and a user terminal (such as...). Figure 1 The user terminals 102a, 102b, and 102c shown can be smartphones, tablets, laptops, desktop computers, etc. These user terminals can transfer resources through the resource management server 101 and can also conduct various forms of communication, such as voice calls, video calls, video message exchanges, and text message exchanges. It should be understood that... Figure 1 The number of resource management servers 101 and client terminals shown is merely illustrative. Depending on implementation requirements, there can be any number of resource management servers 101 and client terminals.

[0044] Optionally, the resource management server 101 can be a standalone physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server providing basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, CDN (Content Delivery Network), and big data and artificial intelligence platforms. The user terminal and the resource management server 101 can be connected directly or indirectly via wired or wireless communication, and this application does not impose any restrictions.

[0045] In one embodiment of this application, the resource management server 101 may be a payment and transfer management platform, and the user terminal may be a terminal device with a payment and transfer APP (Application) installed. Users can register on the resource management server 101 using their user terminals to obtain corresponding account information. After obtaining the account information, each user terminal can initiate transfer requests to other user terminals and can also respond to transfer requests initiated by other user terminals.

[0046] In one embodiment of this application, assuming that user terminal 102 initiates a transfer request to resource management server 101, the transfer request includes the account information of user terminal 102 (i.e., the transferor) and the identification information of the recipient, which may be a mobile phone number. Then, resource management server 101 queries the recipient's account information based on the recipient's mobile phone number. If the recipient's account information is not found, user terminal 102 can be prompted to inquire whether to proceed with the pre-transfer. If the user confirms the pre-transfer, resource management server 101 can deduct the amount indicated in the transfer request from the transferor's account and temporarily store the deducted amount. If, within a predetermined time period after temporarily storing the deducted amount, resource management server 101 detects that the recipient has registered an account, the temporarily stored amount can be transferred to the recipient's registered account. As can be seen, the technical solution of this application embodiment enables the transferor to process transfers even if the recipient has not registered an account. At the same time, since the amount to be transferred is temporarily stored and the timeliness of the transfer is taken into account, the security of the transfer process can also be guaranteed.

[0047] The implementation details of the technical solutions in the embodiments of this application are described in detail below:

[0048] Figure 2 A flowchart of a resource transfer processing method according to an embodiment of this application is shown. This resource transfer processing method can be executed by a server, which may be... Figure 1 The resource management server 101 shown is illustrated. (Refer to...) Figure 2 As shown, the resource transfer processing method includes at least steps S210 to S240, which are described in detail below:

[0049] In step S210, a resource transfer request is received, which contains the account information of the resource transferor and the identification information of the resource recipient.

[0050] In one embodiment of this application, a resource transfer interface can be displayed on the client of the resource transferor. The resource transfer interface may include a first input box for inputting the identification information of the resource recipient and a second input box for inputting the resource to be transferred. The resource transferor can then input the identification information of the resource recipient in the first input box and input the resource to be transferred in the second input box.

[0051] In one embodiment of this application, the identification information of the resource recipient is information used to uniquely identify the resource recipient. For example, it can be the resource recipient's mobile phone number, or the account information of a third-party application used by the resource recipient (such as an email account, instant messaging software account, game account, etc.), or even the resource recipient's ID card number, network identity number, etc.

[0052] In one embodiment of this application, "resources" can be funds, data, cloud resources, virtual resources (such as virtual items or virtual currency in a game scene), etc. In this case, a resource transfer request can be, for example, a transfer request, a data transfer request, a cloud resource transfer request, a virtual resource transfer request, etc.

[0053] In step S220, the account information of the resource recipient is queried based on the resource recipient's identification information.

[0054] In one embodiment of this application, if the resource recipient has registered account information, then the account information is associated with the resource recipient's identification information, and thus the resource recipient's account information can be queried based on the resource recipient's identification information.

[0055] In step S230, if the resource recipient's account information is not found based on the resource recipient's identification information, the resource to be transferred as indicated in the resource transfer request is deducted from the resource transferor's account, and the resource to be transferred is temporarily stored.

[0056] In the embodiments of this application, after deducting the resources to be transferred as indicated in the resource transfer request from the resource transferor's account, the resources to be transferred deducted from the resource transferor's account are temporarily stored. This enables the resource transferor to perform resource transfer processing even when the resource recipient's account information cannot be found based on the resource recipient's identification information. At the same time, since the server temporarily stores the resources to be transferred, the security of the resource transfer process can also be guaranteed.

[0057] In one embodiment of this application, when the resource recipient's account information is not found based on the resource recipient's identification information, a first prompt message can be displayed to inquire whether to perform resource pre-transfer processing. If a confirmation instruction to perform resource pre-transfer processing is received, the resources to be transferred as indicated in the resource transfer request are deducted from the resource transferor's account. This embodiment's technical solution enables the display of a first prompt message to inquire whether to perform resource transfer processing when the resource recipient's account information is not found, meeting the needs of different users and achieving flexibility in resource transfer processing.

[0058] In one embodiment of this application, after deducting the resources to be transferred as indicated in the resource transfer request from the resource transferor's account, a notification message can be sent to the resource recipient to prompt the recipient to register an account to receive the resources to be transferred. Optionally, a second prompt message can be presented to prompt the resource recipient to send a notification message. If a trigger instruction for the second prompt message is received, the interface of a third-party application is invoked, and the notification message is sent to the selected contact in the third-party application.

[0059] In one embodiment of this application, the third-party application may be, for example, an SMS application or an instant messaging application. That is, a notification message can be sent to the resource recipient via SMS or an instant messaging application to remind the resource recipient to register an account to receive the resources to be transferred.

[0060] In other embodiments of this application, it is also possible not to send a notification message to the resource recipient. In this case, the resource transferor can notify the resource recipient to register an account to receive the resources to be transferred through other means (such as telephone, offline notification, etc.).

[0061] In one embodiment of this application, if a notification message is sent to the resource recipient, and a resource receiving request is received from the resource recipient based on the notification message, the resource recipient can be guided to register according to the resource receiving request, or registration prompt information can be presented to the resource recipient according to the resource receiving request. This embodiment's technical solution enables the resource recipient to register through guidance or prompt information to receive resources to be transferred.

[0062] Continue to refer to Figure 2 As shown, in step S240, if it is detected that the resource recipient has registered an account within a predetermined time period after the resource to be transferred is temporarily stored, the resource to be transferred will be transferred to the resource recipient's account.

[0063] In one embodiment of this application, if it is detected that the resource recipient has registered an account within a predetermined period of time after the resource to be transferred is temporarily stored, the resource to be transferred is transferred to the resource recipient's account. This allows the resource transferor to perform the resource transfer process even if the resource recipient's account information cannot be found based on the resource recipient's identification information. At the same time, since the server temporarily stores the resource to be transferred, the security of the resource transfer process can also be guaranteed.

[0064] It should be noted that: if the resource transferor has set a delayed transfer policy, then if it detects that the resource recipient has registered an account, the resources to be transferred can be transferred to the resource recipient's account after the delayed transfer policy is met (e.g., the delay time from the initiation of the resource transfer request reaches the set duration). If the resource transferor has set a scheduled transfer policy, then if it detects that the resource recipient has registered an account, the resources to be transferred can be transferred to the resource recipient's account after the scheduled transfer policy is met (e.g., the set transfer time is reached or exceeded).

[0065] In one embodiment of this application, if no registered account is detected for the resource recipient within a predetermined time period after the resource to be transferred is temporarily stored, or if the resource transferor cancels the resource transfer request, the temporarily stored resource to be transferred is returned to the resource transferor's account. This embodiment ensures the timeliness of resource transfer and allows for the timely return of the temporarily stored resource to be transferred to the resource transferor when the resource transferor cancels the resource transfer request. Optionally, the resource transferor can cancel the resource transfer request before the server transfers the resource to be transferred to the resource recipient's account.

[0066] In one embodiment of this application, the server can also manage resource transfers by creating resource transfer orders. Specifically, after receiving a resource transfer request, if the server confirms that resource transfer processing is required, it can create a resource transfer order. Then, it can mark the registration identifier of the resource recipient included in the resource transfer order based on whether the resource recipient has registered account information, and thus detect whether the resource recipient has registered an account based on the registration identifier of the resource recipient included in the resource transfer order. Optionally, if the resource recipient has registered account information, the registration identifier of the resource recipient included in the resource transfer order can be marked as 0; if the resource recipient has not registered account information, the registration identifier of the resource recipient included in the resource transfer order can be marked as 1.

[0067] In one embodiment of this application, if no account information for the resource recipient is found based on the resource recipient's identifier, the registration identifier of the resource recipient included in the resource transfer order is marked as unregistered when the resource transfer order is created. Subsequently, unprocessed resource transfer orders can be periodically retrieved. If the creation time of a retrieved resource transfer order does not exceed a predetermined duration, and a registered account for the resource recipient is found based on the identifier of the resource recipient included in the resource transfer order, the registration identifier of the resource recipient included in the resource transfer order is marked as registered.

[0068] In one embodiment of this application, if the resource recipient's account information is found based on the resource recipient's identification information, the resources to be transferred as indicated in the resource transfer request are deducted from the resource transferor's account, and the deducted resources are directly transferred to the resource recipient's account. This embodiment enables the direct transfer of resources to the resource recipient's account when the resource recipient has already registered account information. Of course, if the resource transferor has set a delayed transfer policy, the resources to be transferred must be transferred to the resource recipient's account after the delayed transfer policy is met (e.g., after a set delay period from the start of the resource transfer request). If the resource transferor has set a timed transfer policy, the resources to be transferred must be transferred to the resource recipient's account after the timed transfer policy is met (e.g., after a set transfer time is reached).

[0069] Figure 2 The technical solutions of the embodiments shown are described from the perspective of the server. The following is a detailed description of the technical solutions of the embodiments of this application from the perspective of the interface presentation during the resource transfer process:

[0070] Figure 3 A flowchart of a resource transfer processing method according to an embodiment of this application is shown. This resource transfer processing method can be executed by a device with computing processing capabilities, such as a smartphone, tablet, or laptop. (Refer to...) Figure 3 As shown, the resource transfer processing method includes at least steps S310 to S340, which are described in detail below:

[0071] In step S310, a resource transfer interface is displayed, which includes a first input box for inputting the identification information of the resource recipient and a second input box for inputting the resource to be transferred.

[0072] In one embodiment of this application, as described above, "resources" can be funds, data, cloud resources, virtual resources (such as virtual items and virtual currency in a game scene), etc. In this case, the resource transfer interface can be, for example, a money transfer interface, a data transfer interface, a cloud resource transfer interface, a virtual resource transfer interface, etc.

[0073] In one embodiment of this application, the identification information of the resource recipient is information used to uniquely identify the resource recipient. For example, it can be the resource recipient's mobile phone number, or the account information of a third-party application used by the resource recipient (such as an email account, instant messaging software account, game account, etc.), or even the resource recipient's ID card number, network identity number, etc.

[0074] In one embodiment of this application, the second input box can be used to input the quantity, type, etc. of the resources to be transferred. For example, in a money transfer scenario, the second input box can be used to input the currency and amount of the transfer.

[0075] In step S320, if no account information corresponding to the identification information is found based on the identification information entered in the first input box, a first prompt message is displayed, which is used to ask whether to perform resource pre-transfer processing.

[0076] In one embodiment of this application, if the resource recipient has registered account information, then the account information and the resource recipient's identification information are associated, and thus the resource recipient's account information can be retrieved based on the resource recipient's identification information. Optionally, the account information corresponding to the identification information entered in the first input box can be retrieved by sending a query command to the backend server.

[0077] In step S330, if a confirmation instruction for performing resource pre-transfer processing is received, a confirmation transfer interface is displayed.

[0078] In one embodiment of this application, the transfer confirmation interface may include a third input box and a confirmation control. The third input box is used to input other identifying information of the resource recipient, and the confirmation control is used to receive a confirmation instruction. Optionally, in a money transfer scenario, the third input box can be used to input the resource recipient's real name, ID card number, etc.; in a virtual resource scenario, the third input box can be used to input the resource recipient's virtual character name, game ID, etc. In other words, the other identifying information of the resource recipient is different from the identifying information entered in the first input box, but both serve to identify the resource recipient.

[0079] In step S340, if a confirmation instruction triggered on the confirmation transfer interface is detected, a notification message indicating successful pre-transfer of resources is displayed. This confirmation instruction is used to trigger the deduction of the resources to be transferred from the account of the resource transferor and to temporarily store the resources to be transferred deducted from the account of the resource transferor.

[0080] In one embodiment of this application, a resource pre-transfer success interface may be displayed, and then a notification message indicating successful resource pre-transfer may be displayed on the resource pre-transfer success interface.

[0081] In one embodiment of this application, a second prompt message can be displayed on the resource pre-transfer success interface. This second prompt message is used to prompt the resource recipient to send a notification message. Specifically, if a trigger instruction for the second prompt message is received, the interface of a third-party application is invoked, and the notification message is sent to the selected contact in the third-party application. The third-party application can be, for example, an SMS application or an instant messaging application. That is, the notification message can be sent to the resource recipient via SMS, instant messaging application, etc., to remind the resource recipient to register an account to receive the resources to be transferred.

[0082] The following section uses funds as an example to elaborate on resource management solutions in a money transfer scenario:

[0083] First, refer to Figures 4 to 12 The image shown is a user interface for a money transfer scenario in an embodiment of this application. Figure 4 The image shows the transfer interface. On this interface, you can select the recipient's payment method, such as bank account or mobile phone number. If the selected payment method is mobile phone number (401), the interface will display an input box (402) for entering the mobile phone number and an input box (403) for entering the transfer amount. After entering the mobile phone number and transfer amount, you can click control (404) to proceed to the next step. In this embodiment, the mobile phone number serves as the recipient's identification information; that is, the transferor can perform a transfer by entering the recipient's mobile phone number.

[0084] In one embodiment of this application, after clicking the control 404, the client can query whether the payee has registered an account based on the payee's mobile phone number. This can be done by sending a query command to the server or by calling a query API (Application Programming Interface). If no account is found for the payee based on their mobile phone number, it can be confirmed that the payee has not registered, and the following can be displayed: Figure 5The interface shown displays a prompt message in the form of a pop-up window 501 (or a separate prompt interface in other embodiments of this application), and asks whether to proceed with the prepayment transfer.

[0085] In one embodiment of this application, if the transferor is Figure 5 If the "Cancel" control is selected in the interface shown, the transfer process ends; if the transferor selects it... Figure 5 If the "Zhuanzhuan Prepayment" control is selected in the interface shown, then the following will be displayed: Figure 6 The transfer confirmation interface is shown. On this interface, the sender can enter the recipient's name in input box 601 for later verification, improving the security of the transfer process. After entering the recipient's name, the sender can click the confirmation control 602 to trigger the transfer confirmation. In this embodiment, the recipient's name is equivalent to other identification information of the recipient.

[0086] In one embodiment of this application, when the transferor is Figure 6 After clicking the confirmation control 602 in the interface shown, the following will be displayed: Figure 7 The payment interface shown is shown below. A pop-up window (701) may appear on this interface to display the transfer amount, payment method, etc. After the payer clicks the "Confirm Payment" control, the following will be displayed: Figure 8 The payment success screen shown.

[0087] In one embodiment of this application, such as Figure 8 As shown, a sharing control 802 can be displayed on the payment success screen. After the sharing control 802 is triggered, the transferor can notify the recipient by sending a notification message, such as via SMS or instant messaging software. Optionally, in Figure 8 The interface shown may also display a notification message 801, which informs the sender that the transferred amount is temporarily held in a certain account. Once the recipient registers an account within a predetermined time (e.g., within 48 hours), the amount will be transferred to the recipient's account.

[0088] In one embodiment of this application, if the transferor sends a notification message to the payee via SMS, the interface for the payee to display the notification message can be as follows: Figure 9 As shown, in Figure 9 The interface shown can display a link to receive payment. If the sender sends a notification message to the recipient via an instant messaging application, the recipient's notification message interface can be as follows: Figure 10 As shown, in Figure 10 The interface shown can display a link for receiving payments.

[0089] In one embodiment of this application, when the payee clicks the link contained in the notification message, the following can be displayed: Figure 11 The interface shown displays information such as the sender's information and the recipient's information, and also displays operation control 1101 to view the payment instructions. When the recipient clicks operation control 1101, the following will be displayed: Figure 12 The interface shown displays the registration process and related reminders. In other embodiments of this application, after clicking the operation control 1101, the payee can also be directly redirected to the registration interface or the APP download interface, etc.

[0090] Combination Figures 4 to 12 The interface diagram shown illustrates the resource management solution for the transfer scenario in this application embodiment. The main approach is that the transferor can make transfers via mobile phone number. If the mobile phone number is not registered, the transferor can still choose to continue the transfer. After successful payment, the transferor can send a notification message to the recipient via SMS or instant messaging application to guide the recipient to register. After registration, the transferred amount will be automatically credited to the recipient's account. The main process is as follows: Figure 13 As shown, in Figure 13 The process of transferring funds is divided into virtual funds flow and physical funds flow. The process of transferring virtual funds flow includes the following steps:

[0091] In step S1301, the transferor initiates a transfer through the user balance C (Customer, i.e., consumer account) account or through a bank card account, and then a transfer slip is generated.

[0092] In step S1302, if the recipient is not registered, the funds transferred by the sender will remain in the B (Business) account.

[0093] Step S1303: If it is detected that the payee has registered an account, then after confirming the payee's account, the payment is transferred to the payee's corresponding C account.

[0094] Step S1304: Call the transfer interface to perform settlement.

[0095] Figure 13 The physical flow of funds shown mainly involves the transferor's funds being transferred from their bank card account to a reserve account (corresponding to the aforementioned account B), followed by a transfer operation where the funds flow into the receiving bank account and are then transferred from the receiving bank to the receiving party's bank account.

[0096] In one embodiment of this application, a state machine can be used to describe the fund transfer process in a transfer scenario. Specifically, as follows... Figure 14As shown, the status can be divided into the following categories: Pending Payment, Paid, Pending Settlement, Settled, Received, Refunded, Refunded, and Cancelled. Detailed explanations are as follows: When the transferor initiates a transfer request, a transfer slip is generated, at which point the transfer is in the Pending Payment state. After a C2B (Customer to Business) transfer is conducted based on the transfer slip, the status changes to Paid. If the transfer is cancelled due to timeout or by the recipient (or by the payer), the status changes to Cancelled, and a refund is processed, i.e., a B2C transfer, where funds flow from account B to the payer's corresponding account C, and the status changes to Refunded.

[0097] Continue to refer to Figure 14 As shown, when the payment status is active, a "pending settlement" status can be introduced. This status is a prerequisite for settlement, indicating that the payee has not yet registered an account, and the funds are temporarily held in account B. If the payee registers an account, a B2C transfer is initiated, with funds flowing from account B to the payee's corresponding account C. At this point, the status changes to "settled." In the "settled" status, the payment interface is called to transfer funds to the payee. If the transfer is successful, the status changes to "received." If the transfer fails, a C2B transfer is initiated, with funds flowing from the payee's corresponding account C to account B, and the status changes to "refunded." After reaching the "refunded" status, a refund is processed, i.e., a B2C transfer, with funds flowing from account B to the payer's corresponding account C, and the status changes to "refunded."

[0098] Meanwhile, if the bank fails to process the payment and a refund occurs while the payment has been received, the finance staff can credit the refund information to the payee's corresponding C account and then initiate a C2B transfer. This means the funds will flow from the payee's C account to the B account, and the status will change to "refunded".

[0099] It can be seen that, in Figure 14 In the illustrated state transition process, the introduction of a "pending settlement" state allows the transferor to perform a transfer operation even if the recipient has not registered an account. This "pending settlement" state also indicates that the transferor has completed the payment, but the transfer process is not yet complete. Figure 15 The status transition shown does not include a pending settlement status. In this case, it is necessary to ensure that the payee also has an account before the transfer can be processed.

[0100] Specifically, such as Figure 15As shown, when the transferor initiates a transfer request, a transfer slip is generated, and the transfer is in a pending payment state. After a C2B (Customer to Business) transfer is conducted based on the transfer slip, the status changes to paid. If the transfer is cancelled due to timeout or by the recipient (or by the payer), the status changes to cancelled, and a refund is processed, i.e., a B2C transfer is conducted, with funds flowing from account B to the payer's corresponding account C, and the status changes to refunded.

[0101] Continue to refer to Figure 15 As shown, when in the "Payment Completed" state, since the recipient has a pre-registered account, a direct B2C transfer occurs, with funds flowing from account B to the recipient's corresponding account C. At this point, the status changes to "Settled." In the "Settled" state, the payment interface is called to transfer funds to the recipient. If the transfer is successful, the status changes to "Received." If the transfer fails, a C2B transfer occurs, with funds flowing from the recipient's corresponding account C to account B, and the status changes to "Refunded." After reaching the "Refunded" state, a refund is processed, i.e., a B2C transfer, with funds flowing from account B to the payer's corresponding account C, and the status changes to "Refunded."

[0102] In one embodiment of this application, a main process of the resource management scheme in a transfer scenario is described below. Figure 16 As shown, it includes the following steps:

[0103] Step S1601: The mobile number transfer page calls the transfer order API to generate a transfer order, and at the same time checks the verification of the unregistered flag, that is, checks whether the mobile number has not registered an account.

[0104] Step S1602: The transfer order API calls the query API to check whether the mobile number is not registered with an account.

[0105] Step S1603: The API query returns the API query results. The query results contain information on whether the mobile phone number is registered or not. If it is registered, proceed to step S1604; if it is not registered, proceed to step S1606.

[0106] Step S1604: If the mobile number has been registered, a transfer bill is generated.

[0107] In step S1605, the transfer order API returns a message indicating successful transfer to the mobile number transfer page, allowing subsequent transfer processing. This means deducting the amount to be transferred from the transferor's account and then transferring it to the recipient's account.

[0108] In step S1606, if the mobile number is not registered, the transfer order API returns unregistered information to the mobile number transfer page.

[0109] In step S1607, the mobile phone number transfer page checks whether the user chooses to continue the transfer. If the user chooses to continue the transfer, proceed to step S1608; if the user chooses to cancel the transfer, proceed to step S1613.

[0110] Step S1608 redirects to the transfer interface for recipients who have not registered.

[0111] Step S1609: Enter the recipient's name in the unregistered transfer interface.

[0112] In step S1610, the recipient has not registered for the transfer interface and calls the transfer order API to generate a transfer order, while simultaneously indicating that the recipient has not registered.

[0113] Step S1611: The transfer order API generates a transfer order and marks the payee's registration as unregistered in the transfer order.

[0114] In step S1612, the transfer order API returns a message indicating successful transfer order to the mobile number transfer page, allowing subsequent transfer processing. This means that a portion of the transfer amount is deducted from the transferor's account and temporarily held. Once the recipient registers an account, the temporarily held amount is transferred to the recipient's account.

[0115] Step S1613: The transfer process is terminated.

[0116] In one embodiment of this application, after the transfer bill is generated, it can be processed according to... Figure 17 The process shown includes the following steps:

[0117] Step S1701: Poll the batch processing service to query the registration status of the payee.

[0118] Step S1702: The registration status query batch processing service obtains a list of unprocessed transfer bills with a status of "paid" and a payee registration identifier of "unregistered". Then, it processes each transfer bill in the list in a loop.

[0119] Step S1703: Determine if the transfer bill has exceeded 48 hours (the time limit is only an example). If it has exceeded 48 hours, proceed to step S1704; if it has not exceeded 48 hours, proceed to step S1706.

[0120] S1704, the registration status query batch processing service calls the transfer bill cancellation API to cancel the transfer bill, and then executes step S1705.

[0121] S1705, the transfer bill cancellation API returns the call result, that is, it returns a message that the cancellation was successful.

[0122] S1706, Registration Status Query Batch Service calls the query API to query whether the payee has registered an account.

[0123] S1707, The query API returns query results, which include information on whether the payee has registered or not.

[0124] S1708, Determine whether the payee has registered. If registered, proceed to step S1709; if not registered, proceed to step S1710.

[0125] S1709, Change the payee's registration identifier to "Registered" and supplement the payee's account information. The next step is to process the transfer.

[0126] S1710, process the next transfer bill.

[0127] It should be noted that, in Figure 17 In this process, once all transfer requests in the transfer request list have been processed in one iteration, polling can continue, with the interval configured as needed. Furthermore, if the sender has set a delayed transfer policy or a scheduled transfer policy, the transfer to the recipient must be processed according to that policy. Specifically, if the sender has set a delayed transfer policy, and if a registered account is detected, the transfer amount can be transferred to the recipient's account after the delayed transfer policy is met (e.g., the delay time from the start of the transfer request reaches the set duration). If the sender has set a scheduled transfer policy, and a registered account is detected, the transfer amount can be transferred to the recipient's account after the scheduled transfer policy is met (e.g., the set transfer time is reached or exceeded).

[0128] The technical solution of the above embodiments of this application enables the resource transferor (such as the transferor) to perform resource transfer processing even if the resource recipient (such as the payee) has not registered an account. This solves the problem that the resource recipient cannot perform resource transfer operations without registering an account. At the same time, since the resources to be transferred are temporarily stored and the timeliness of resource transfer is taken into account, the security of the resource transfer process can also be guaranteed.

[0129] The following describes an apparatus embodiment of this application, which can be used to execute the resource transfer processing method in the above embodiments of this application. For details not disclosed in the apparatus embodiments of this application, please refer to the embodiments of the resource transfer processing method described above.

[0130] Figure 18A block diagram of a resource transfer processing apparatus according to an embodiment of this application is shown. This resource transfer processing apparatus can be located within a server, for example, it can be located in... Figure 1 The resource management server 101 shown is located there.

[0131] Reference Figure 18 As shown, a resource transfer processing apparatus 1800 according to an embodiment of this application includes: a receiving unit 1802, a query unit 1804, a first processing unit 1806, and a second processing unit 1808.

[0132] The receiving unit 1802 is configured to receive a resource transfer request, which includes the account information of the resource transferor and the identification information of the resource recipient; the query unit 1804 is configured to query the account information of the resource recipient based on the identification information of the resource recipient; the first processing unit 1806 is configured to temporarily store the deducted resource from the resource transferor's account after deducting the resource to be transferred indicated in the resource transfer request from the resource transferor's account if the account information of the resource recipient is not found based on the identification information of the resource recipient; the second processing unit 1808 is configured to transfer the resource to be transferred to the resource recipient's account if, within a predetermined time after temporarily storing the resource to be transferred, it is detected that the resource recipient has registered an account.

[0133] In some embodiments of this application, based on the foregoing scheme, the first processing unit 1806 is further configured to: if the account information of the resource recipient is not found according to the identification information of the resource recipient, then present a first prompt message, the first prompt message being used to inquire whether to perform resource pre-transfer processing; if a confirmation instruction to perform resource pre-transfer processing is received, then deduct the resources to be transferred indicated in the resource transfer request from the account of the resource transferor.

[0134] In some embodiments of this application, based on the foregoing scheme, the first processing unit 1806 is further configured to: after deducting the resources to be transferred as indicated in the resource transfer request from the account of the resource transferor, send a notification message to the resource recipient, the notification message being used to prompt the resource recipient to register an account to receive the resources to be transferred.

[0135] In some embodiments of this application, based on the aforementioned scheme, the first processing unit 1806 is configured to: present a second prompt message, the second prompt message being used to prompt the resource recipient to send a notification message; if a trigger instruction for the second prompt message is received, the interface of a third-party application is invoked, and the notification message is sent to the selected contact in the third-party application.

[0136] In some embodiments of this application, based on the foregoing scheme, the second processing unit 1808 is further configured to: receive a resource receiving request sent by the resource recipient based on the notification message; guide the resource recipient to perform registration processing according to the resource receiving request, or present registration prompt information to the resource recipient according to the resource receiving request.

[0137] In some embodiments of this application, based on the foregoing scheme, the second processing unit 1808 is further configured to: if the resource recipient does not register an account within a predetermined time period after the resource to be transferred is temporarily stored, or if the resource transferor cancels the resource transfer request, then the temporarily stored resource to be transferred is returned to the resource transferor's account.

[0138] In some embodiments of this application, based on the foregoing scheme, the resource transfer processing device 1800 further includes: a third processing unit configured to, upon receiving the resource transfer request, if it is confirmed that resource transfer processing is required, create a resource transfer order; and mark the registration identifier of the resource recipient contained in the resource transfer order according to whether the resource recipient has registered account information; the second processing unit 1808 is further configured to: detect whether the resource recipient has registered an account based on the registration identifier of the resource recipient contained in the resource transfer order.

[0139] In some embodiments of this application, based on the foregoing scheme, the third processing unit is configured to: if the resource recipient's account information is not found based on the resource recipient's identifier information, then when creating a resource transfer order, mark the resource recipient's registration identifier contained in the resource transfer order as unregistered; periodically acquire unprocessed resource transfer orders, and if the creation time of the acquired resource transfer order does not exceed the predetermined time, then when the resource recipient's registered account is found based on the resource recipient's identifier contained in the resource transfer order, mark the resource recipient's registration identifier contained in the resource transfer order as registered.

[0140] In some embodiments of this application, based on the foregoing scheme, the first processing unit 1806 is further configured to: if the account information of the resource recipient is found according to the identification information of the resource recipient, then deduct the resource to be transferred indicated in the resource transfer request from the account of the resource transferor, and directly transfer the deducted resource to be transferred to the account of the resource recipient.

[0141] Figure 19 A block diagram of a resource transfer processing apparatus according to an embodiment of the present application is shown. The resource transfer processing apparatus can be installed in a device with computing processing capabilities, such as a smartphone, tablet computer, or laptop computer.

[0142] Reference Figure 19 As shown, a resource transfer processing apparatus 1900 according to an embodiment of this application includes: a first display unit 1902, a second display unit 1904, a third display unit 1906, and a fourth display unit 1908.

[0143] The first display unit 1902 is configured to display a resource transfer interface, which includes a first input box for inputting the identifier information of the resource recipient and a second input box for inputting the resource to be transferred. The second display unit 1904 is configured to display a first prompt message if no account information corresponding to the identifier information entered in the first input box is found. The first prompt message is used to ask whether to perform resource pre-transfer processing. The third display unit 1906 is configured to display a confirmation transfer interface if a confirmation instruction for performing resource pre-transfer processing is received. The fourth display unit 1908 is configured to display a notification message of successful resource pre-transfer if a confirmation instruction triggered on the confirmation transfer interface is detected. The confirmation instruction is used to trigger the deduction of the resource to be transferred from the account of the resource transferor and to temporarily store the resource to be transferred deducted from the account of the resource transferor.

[0144] In some embodiments of this application, based on the foregoing scheme, the fourth display unit 1908 is configured to: display a resource pre-transfer success interface, the resource pre-transfer success interface displays the notification message, and display a second prompt message on the resource pre-transfer success interface, the second prompt message being used to prompt the sending of a notification message to the resource receiver.

[0145] In some embodiments of this application, based on the foregoing scheme, the confirmation transfer interface includes a third input box and a confirmation control. The third input box is used to input other identification information of the resource recipient, and the confirmation control is used to receive the confirmation instruction.

[0146] Figure 20 A schematic diagram of the structure of a computer system suitable for implementing the electronic device of the present application is shown.

[0147] It should be noted that, Figure 20 The computer system 2000 of the electronic device shown is merely an example and should not impose any limitation on the functionality and scope of use of the embodiments of this application.

[0148] like Figure 20As shown, the computer system 2000 includes a Central Processing Unit (CPU) 2001, which can perform various appropriate actions and processes based on programs stored in Read-Only Memory (ROM) 2002 or programs loaded from Storage Unit 2008 into Random Access Memory (RAM) 2003, such as performing the methods described in the above embodiments. Various programs and data required for system operation are also stored in RAM 2003. The CPU 2001, ROM 2002, and RAM 2003 are interconnected via bus 2004. An Input / Output (I / O) interface 2005 is also connected to bus 2004.

[0149] The following components are connected to I / O interface 2005: an input section 2006 including a keyboard, mouse, etc.; an output section 2007 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 2008 including a hard disk, etc.; and a communication section 2009 including a network interface card such as a LAN (Local Area Network) card, modem, etc. Communication section 2009 performs communication processing via a network such as the Internet. Drive 2010 is also connected to I / O interface 2005 as needed. Removable media 2011, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., are installed on drive 2010 as needed so that computer programs read from them can be installed into storage section 2008 as needed.

[0150] Specifically, according to embodiments of this application, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments of this application include a computer program product comprising a computer program carried on a computer-readable medium, the computer program including a computer program for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 2009, and / or installed from removable medium 2011. When the computer program is executed by central processing unit (CPU) 2001, it performs various functions defined in the system of this application.

[0151] It should be noted that the computer-readable medium shown in the embodiments of this application can be a computer-readable signal medium or a computer-readable storage medium, or any combination of the two. A computer-readable storage medium can be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM), flash memory, optical fiber, portable compact disc read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this application, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In this application, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying a computer-readable computer program. The transmitted data signal can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. The computer-readable signal medium can also be any computer-readable medium other than a computer-readable storage medium, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The computer program contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to wireless, wired, etc., or any suitable combination thereof.

[0152] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this application. Each block in a flowchart or block diagram may represent a module, segment, or portion of code, which contains one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, can be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0153] The units described in the embodiments of this application can be implemented in software or hardware, and the described units can also be located in a processor. The names of these units do not necessarily limit the specific unit itself.

[0154] In another aspect, this application also provides a computer-readable medium, which may be included in the electronic device described in the above embodiments; or it may exist independently and not assembled into the electronic device. The computer-readable medium carries one or more programs, which, when executed by the electronic device, cause the electronic device to perform the methods described in the above embodiments.

[0155] It should be noted that although several modules or units for the device used to perform actions have been mentioned in the detailed description above, this division is not mandatory. In fact, according to the embodiments of this application, the features and functions of two or more modules or units described above can be embodied in one module or unit. Conversely, the features and functions of one module or unit described above can be further divided and embodied by multiple modules or units.

[0156] Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein can be implemented by software or by combining software with necessary hardware. Therefore, the technical solutions according to the embodiments of this application can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (such as a CD-ROM, USB flash drive, external hard drive, etc.) or on a network, including several instructions to cause a computing device (such as a personal computer, server, touch terminal, or network device, etc.) to execute the method according to the embodiments of this application.

[0157] Other embodiments of this application will readily occur to those skilled in the art upon consideration of the specification and practice of the embodiments disclosed herein. This application is intended to cover any variations, uses, or adaptations of this application that follow the general principles of this application and include common knowledge or customary techniques in the art not disclosed herein.

[0158] It should be understood that this application is not limited to the precise structure described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of this application is limited only by the appended claims.

Claims

1. A resource transfer processing method, characterized in that, include: Receive a resource transfer request, which includes the account information of the resource transferor and the identification information of the resource recipient; Resources to be transferred include virtual items in the game scene; If it is confirmed that resource transfer processing is required, a resource transfer order is created, and the status of the resource transfer order is set to pending payment; the change in the status of the resource transfer order indicates the resource flow process corresponding to the resource transfer order. Obtain a list of unprocessed resource transfer orders whose status is "paid" and whose resource recipient registration identifier is "unregistered", and process each resource transfer order in the resource transfer order list in a loop. If the resource transfer order times out, the resource transfer order will be cancelled. If the resource transfer order has not expired, then query the account information of the resource recipient based on the resource recipient's identification information; If the resource recipient's account information is not found based on the resource recipient's identification information, then after deducting the resources to be transferred as indicated in the resource transfer request from the resource transferor's account, the resources to be transferred deducted from the resource transferor's account will be temporarily stored in the enterprise account, and the status of the resource transfer order will be set to pending settlement. If, within a predetermined time period after the resource to be transferred is temporarily stored, it is detected that the resource recipient has registered an account, the resource to be transferred will be transferred to the resource recipient's account, and the status of the resource transfer order will be set to settled. After all resource transfer orders in the resource transfer order list have been processed once, the resource transfer orders in the resource transfer order list will continue to be polled and processed according to a preset interval.

2. The resource transfer processing method according to claim 1, characterized in that, The resource transfer processing method further includes: If the resource recipient's account information is not found based on the resource recipient's identification information, a first prompt message is displayed, which is used to ask whether to perform resource pre-transfer processing. If a confirmation instruction to perform resource pre-transfer processing is received, the resources to be transferred as indicated in the resource transfer request are deducted from the account of the resource transferor.

3. The resource transfer processing method according to claim 1, characterized in that, The resource transfer processing method further includes: After deducting the resources to be transferred as indicated in the resource transfer request from the account of the resource transferor, a notification message is sent to the resource recipient, which prompts the resource recipient to register an account to receive the resources to be transferred.

4. The resource transfer processing method according to claim 3, characterized in that, Send a notification message to the resource recipient, including: A second prompt message is displayed, which prompts the recipient of the resource to send a notification message. If a trigger command for the second prompt message is received, the interface of the third-party application is invoked, and a notification message is sent to the selected contact in the third-party application.

5. The resource transfer processing method according to claim 3, characterized in that, The resource transfer processing method further includes: Receive the resource receiving request sent by the resource recipient based on the notification message; The resource recipient is guided to complete the registration process based on the resource receiving request, or a registration prompt message is presented to the resource recipient based on the resource receiving request.

6. The resource transfer processing method according to claim 1, characterized in that, The resource transfer processing method further includes: If, within a predetermined time period after the resource to be transferred is temporarily stored, it is not detected that the resource recipient has registered an account, or that the resource transferor has canceled the resource transfer request, then the temporarily stored resource to be transferred will be returned to the resource transferor's account.

7. The resource transfer processing method according to claim 1, characterized in that, After creating a resource transfer order, the resource transfer processing method further includes: The registration identifier of the resource recipient included in the resource transfer order is marked according to whether the resource recipient has registered account information; Based on the registration identifier of the resource recipient contained in the resource transfer order, it is detected whether the resource recipient has registered an account.

8. The resource transfer processing method according to claim 7, characterized in that, The registration identifier of the resource recipient included in the resource transfer order is marked according to whether the resource recipient has registered account information, including: If the resource recipient's account information is not found based on the resource recipient's identification information, then when creating a resource transfer order, the resource recipient's registration identifier included in the resource transfer order will be marked as unregistered. Unprocessed resource transfer orders are periodically retrieved. If the creation time of the retrieved resource transfer order does not exceed the predetermined time, the resource recipient's registration identifier in the resource transfer order is marked as registered when the resource recipient's registration identifier is found to be registered based on the resource recipient's identifier contained in the resource transfer order.

9. The resource transfer processing method according to any one of claims 1 to 8, characterized in that, The resource transfer processing method further includes: If the resource recipient's account information is found based on the resource recipient's identification information, the resource to be transferred as indicated in the resource transfer request is deducted from the resource transferor's account, and the deducted resource to be transferred is directly transferred to the resource recipient's account.

10. A resource transfer processing method, characterized in that, include: The resource transfer interface includes a first input box for inputting the identifier information of the resource recipient, and a second input box for inputting the resource to be transferred. The resources to be transferred include virtual items in the game scene; If no account information corresponding to the identification information entered in the first input box is found, a first prompt message is displayed, which is used to ask whether to perform resource pre-transfer processing. If a confirmation instruction to perform resource pre-transfer processing is received, the transfer confirmation interface will be displayed; If a confirmation command triggered on the confirmation transfer interface is detected, a notification message indicating successful pre-transfer of resources is displayed. The confirmation command is used to trigger a resource transfer request containing the account information of the resource transferor and the identification information of the resource recipient. If it is confirmed that resource transfer processing is required, a resource transfer order is created and the status of the resource transfer order is set to pending payment. The status change of the resource transfer order indicates the resource flow process corresponding to the resource transfer order. Obtain a list of unprocessed resource transfer orders whose status is "paid" and whose resource recipient registration identifier is "unregistered", and process each resource transfer order in the resource transfer order list in a loop. If the resource transfer order times out, the resource transfer order will be cancelled. If the resource transfer order has not expired, then query the account information of the resource recipient based on the resource recipient's identification information; If the resource recipient's account information is not found based on the resource recipient's identification information, the resources to be transferred are deducted from the resource transferor's account, and the deducted resources are temporarily stored in the enterprise account. The status of the resource transfer order is set to pending settlement. If, within a predetermined period after the resources are temporarily stored, the resource recipient registers an account, the resources to be transferred are transferred to the resource recipient's account, and the status of the resource transfer order is set to settled. After all resource transfer orders in the resource transfer order list have been processed once, the resource transfer orders in the resource transfer order list will continue to be polled and processed according to a preset interval.

11. The resource transfer processing method according to claim 10, characterized in that, The notification message indicating successful resource pre-transfer includes: a successful resource pre-transfer interface, on which the notification message is displayed; The resource transfer processing method further includes: displaying a second prompt message on the resource pre-transfer success interface, the second prompt message being used to prompt the resource recipient to send a notification message.

12. The resource transfer processing method according to claim 10, characterized in that, The transfer confirmation interface includes a third input box and a confirmation control. The third input box is used to input other identification information of the resource recipient, and the confirmation control is used to receive the confirmation instruction.

13. A resource transfer and processing device, characterized in that, include: The receiving unit is configured to receive a resource transfer request, wherein the resource transfer request contains account information of the resource transferor and identification information of the resource receiver; Resources to be transferred include virtual items in the game scene; The query unit is configured to create a resource transfer order and set the status of the resource transfer order to pending payment if it is confirmed that resource transfer processing is required; the status change of the resource transfer order indicates the resource flow process corresponding to the resource transfer order. Obtain a list of unprocessed resource transfer orders whose status is "paid" and whose resource recipient registration identifier is "unregistered", and process each resource transfer order in the resource transfer order list in a loop. If the resource transfer order times out, the resource transfer order will be cancelled. If the creation time of the resource transfer order has not expired, the account information of the resource recipient will be queried based on the identifier information of the resource recipient. The first processing unit is configured to, if the account information of the resource recipient is not found according to the identification information of the resource recipient, after deducting the resource to be transferred indicated in the resource transfer request from the account of the resource transferor, temporarily store the resource to be transferred deducted from the account of the resource transferor to the enterprise account, and set the status of the resource transfer order to pending settlement. The second processing unit is configured to, within a predetermined time period after temporarily storing the resources to be transferred, if it is detected that the resource recipient has registered an account, transfer the resources to be transferred to the resource recipient's account and set the status of the resource transfer order to settled. After all resource transfer orders in the resource transfer order list have been processed once, the resource transfer orders in the resource transfer order list will continue to be polled and processed according to a preset interval.

14. A computer-readable medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the resource transfer processing method as described in any one of claims 1 to 9, or the resource transfer processing method as described in any one of claims 10 to 12.

15. An electronic device, characterized in that, include: One or more processors; A storage device for storing one or more programs, which, when executed by one or more processors, cause the one or more processors to implement the resource transfer processing method as described in any one of claims 1 to 9, or to implement the resource transfer processing method as described in any one of claims 10 to 12.

16. A computer program product, characterized in that, The computer program product or computer program includes computer instructions stored in a computer-readable storage medium; The processor of the computer device reads the computer instructions from a computer-readable storage medium, and executes the computer instructions to cause the computer device to perform the resource transfer processing method according to any one of claims 1 to 9, or the resource transfer processing method according to any one of claims 10 to 12.

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