Resource transfer method, device, equipment, medium and product

Abstract

The embodiment of the invention provides a resource transfer method and device, equipment, a medium and a product, and relates to the technical field of resource management, and the method comprises the steps: receiving a resource transfer request sent by resource transfer-out equipment when the account state of a resource transfer-out account created by the resource transfer-out equipment is a to-be-transferred state; according to the account identifier of the resource transfer-out account, account resources in the resource transfer-out account are extracted; and according to the account identifier of the resource transfer-in account, transferring the account resource in the resource transfer-out account into the resource transfer-in account. According to the embodiment of the invention, on the basis of satisfying the uniqueness of the personal account, the transfer of the personal account and the transfer of the resources in the personal account can be realized.

Description

Technical Field

[0001] The present application belongs to the field of resource management technology, and in particular, relates to a resource transfer method, device, equipment, medium and product. Background Art

[0002] In real life, for accounts with significant "uniqueness" characteristics such as personal pension fund accounts, each eligible individual can only have one personal account nationwide.

[0003] For example, for users who have opened a personal pension fund account at Bank A, if they want to change their bank account to Bank B for reasons of service quality, investment preference, convenience or other personal reasons, the traditional approach is often limited by the uniqueness of the personal pension fund account and cannot directly transfer the personal pension fund account and the resources in the personal pension fund account, that is, it cannot directly meet the user's account transfer needs, which affects customer satisfaction and loyalty. Therefore, how to realize the transfer of personal accounts and the transfer of resources in personal accounts on the basis of satisfying the uniqueness of personal accounts is an urgent problem to be solved. Summary of the invention

[0004] The embodiments of the present application provide a resource transfer method, apparatus, device, medium and product, which can realize personal account transfer and resource transfer within a personal account on the basis of satisfying the uniqueness of the personal account.

[0005] In a first aspect, an embodiment of the present application provides a resource transfer method, which is applied to a resource management system. The method includes:

[0006] When the account status of the resource transfer-out account created by the resource transfer-out device is in a pending transfer status, receiving a resource transfer request sent by the resource transfer-out device, the resource transfer request is used to transfer account resources in the resource transfer-out account to a resource transfer-in account pre-created by the resource transfer-in device, the account status of the resource transfer-in account is a normal status, the resource transfer request includes an account identifier of the resource transfer-out account and an account identifier of the resource transfer-in account, and the resource transfer-out account and the resource transfer-in account are different accounts of the same user;

[0007] Extract account resources in the resource transfer-out account according to the account ID of the resource transfer-out account;

[0008] According to the account ID of the resource transfer-in account, the account resources in the resource transfer-out account are transferred to the resource transfer-in account.

[0009] In an optional implementation of the first aspect, the resource transfer request further includes user information and a resource transfer quota;

[0010] According to the account ID of the resource transfer-out account, extract the account resources of the resource transfer-out account, including:

[0011] Verify the user information, resource transfer amount and account identifier to be verified according to preset verification rules to obtain a verification result, where the account information to be verified includes the account identifier of the resource transfer-out account and / or the account identifier of the resource transfer-in account;

[0012] When the verification result indicates that the verification has passed, the account resources in the resource transfer-out account are extracted according to the account identifier of the resource transfer-out account.

[0013] In an optional implementation of the first aspect, the method further includes:

[0014] In the case where the verification result indicates that the verification has failed, determining the reason why the verification result has failed;

[0015] A first prompt message is sent to the resource transfer-out device, wherein the first prompt message includes a reason why the verification result fails, so as to prompt the resource transfer-out device to modify the resource transfer request according to the reason why the verification result fails.

[0016] In an optional implementation of the first aspect, the account resources in the resource transfer-out account include unbound resources and bound resources, the unbound resources include account resources in the resource transfer-out account that have no binding relationship with the target device, and the bound resources include account resources in the resource transfer-out account that have a binding relationship with the target device;

[0017] Bound resources include first type resources and second type resources. The first type resources are resources that can be directly transferred without unbinding the relationship with the target device, and the second type resources are resources that need to be unbinded from the target device before resource transfer.

[0018] In an optional implementation manner of the first aspect, the account resources in the resource transfer-out account include first-type resources; and the method further includes:

[0019] In the process of transferring account resources in a resource transfer-out account to a resource transfer-in account, a binding account change request is sent to a target device, and the binding account change request is used to change a binding account of a first type of resource stored in the target device, so that the target device changes the binding account of the first type of resource from a resource transfer-out account to a resource transfer-in account according to the binding account change request.

[0020] In an optional implementation of the first aspect, when the account status of the resource transfer-out account is in a pending transfer status, before receiving the resource transfer request sent by the resource transfer-out device, the method further includes:

[0021] Receiving an account status change request sent by a resource transfer-out device, where the account status change request includes account information of the resource transfer-out account;

[0022] Determine whether the account information of the resource transfer-out account meets the preset conditions;

[0023] When the account information of the resource transfer-out account meets the preset conditions, the account status of the resource transfer-out account is changed to a pending transfer status.

[0024] The account information of the resource transfer-out account further includes at least one of the account status of the resource transfer-out account and the resource status of the second type of resources in the resource transfer-out account;

[0025] The preset condition includes at least one of the following: the account status of the resource transfer-out account is a normal status, and the resource status of the second type of resource is a redeemed status.

[0026] In an optional implementation of the first aspect, the method further includes:

[0027] When the account information of the resource transfer-out account does not meet the preset conditions, a second prompt message is sent to the resource transfer-out device, so that the resource transfer-out device can adjust the account status of the resource transfer-out account to a normal status according to the second prompt message, and / or redeem the second type of resource and adjust the resource status of the second type of resource from an unredeemed status to a redeemed status.

[0028] In a second aspect, a resource transfer device is provided, which is applied to a resource management system, and the device includes:

[0029] A receiving module, used for receiving a resource transfer request sent by a resource transfer-out device when the account status of the resource transfer-out account created by the resource transfer-out device is in a pending transfer status, the resource transfer request is used to transfer account resources in the resource transfer-out account to a resource transfer-in account pre-created by the resource transfer-in device, the account status of the resource transfer-in account is a normal status, the resource transfer request includes an account identifier of the resource transfer-out account and an account identifier of the resource transfer-in account, and the resource transfer-out account and the resource transfer-in account are different accounts of the same user;

[0030] An extraction module, used to extract account resources in the resource transfer-out account according to the account identifier of the resource transfer-out account;

[0031] The transfer module is used to transfer account resources in the resource transfer-out account to the resource transfer-in account according to the account identifier of the resource transfer-in account.

[0032] In a third aspect, an electronic device is provided, comprising: a memory for storing computer program instructions; and a processor for reading and running the computer program instructions stored in the memory to execute the resource transfer method provided in any optional implementation manner in the first aspect.

[0033] In a fourth aspect, a computer storage medium is provided, on which computer program instructions are stored, and when the computer program instructions are executed by a processor, the resource transfer method provided by any optional implementation in the first aspect is implemented.

[0034] In a fifth aspect, a computer program product is provided. The computer program product includes a computer program. When the computer program is executed by a processor, the resource transfer method provided by any optional implementation method in the first aspect is implemented.

[0035] In an embodiment of the present application, when the account status of the resource transfer-out account created by the resource transfer-out device is in a pending transfer status, a resource transfer request sent by the resource transfer-out device can be received, the resource transfer request being used to transfer the account resources in the resource transfer-out account to the resource transfer-in account pre-created by the resource transfer-in device, and the account status of the resource transfer-in account is a normal status, and then the account resources in the resource transfer-out account can be extracted according to the account identifier of the resource transfer-out account in the resource transfer request, and the account resources of the resource transfer-out account can be transferred to the resource transfer-in account according to the account identifier of the resource transfer-in account in the resource transfer request. In this way, since the resource transfer-out account and the resource transfer-in account are different accounts of the same user, when the resource transfer-out account is suspended, the account resources in the resource transfer-out account are transferred to the resource transfer-in account that can be used normally, and then on the basis of satisfying the uniqueness of personal accounts such as personal pension fund accounts, not only the account transfer but also the transfer of resources in the account can be realized. BRIEF DESCRIPTION OF THE DRAWINGS

[0036] In order to more clearly illustrate the technical solution of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0037] Figure 1 This is one of the flowcharts of a resource transfer method provided in an embodiment of the present application;

[0038] Figure 2 is a schematic diagram of a display interface provided in an embodiment of the present application;

[0039] Figure 3 is a schematic diagram of another display interface provided in an embodiment of the present application;

[0040] Figure 4 This is a second flow chart of a resource transfer method provided in an embodiment of the present application;

[0041] Figure 5 This is a third flow chart of a resource transfer method provided in an embodiment of the present application;

[0042] Figure 6 This is a fourth flow chart of a resource transfer method provided in an embodiment of the present application;

[0043] Figure 7 It is a structural diagram of a resource management device provided in an embodiment of the present application;

[0044] Figure 8 It is a structural schematic diagram of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0045] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are intended only to explain the present application, rather than to limit the present application. For those skilled in the art, the present application can be implemented without the need for some of these specific details. The following description of the embodiments is only to provide a better understanding of the present application by showing examples of the present application. In addition, it should be noted that the acquisition, storage, use, and processing of data in the technical solution of the present application are in compliance with the relevant provisions of national laws and regulations. It should also be noted that in the embodiments of the present application, some existing solutions in the industry such as software, components, and models may be mentioned, and they should be considered as exemplary, and their purpose is only to illustrate the feasibility of the implementation of the technical solution of the present application, but it does not mean that the applicant has or must have used the solution.

[0046] It should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the statement "include..." do not exclude the existence of other identical elements in the process, method, article or device including the elements.

[0047] The term "and / or" in this article is merely a description of the association relationship of associated objects, indicating that three relationships may exist. For example, A and / or B can mean: A exists alone, A and B exist at the same time, and B exists alone.

[0048] Taking a personal pension fund account as an example, if a user has opened a personal pension fund account in Bank A, and then for some reason wants to change the account opening bank to Bank B, how to achieve account transfer to meet user needs is an urgent problem to be solved.

[0049] In response to the above problems, the most similar existing technology is the account transfer for enterprise annuities. For example, a user works in Company A and pays enterprise annuities, and then works in Company B and pays enterprise annuities. In this process, there is a transfer of the user's enterprise annuity account. Based on this, in the process of transferring enterprise annuity accounts, the electronic device corresponding to Company A needs to initiate a transfer request to the electronic device corresponding to Company A. The transfer request includes a resource transfer document to realize the transfer of enterprise annuities. However, since the enterprise annuity account is a public account, that is, a company can only have one enterprise annuity account, the enterprise annuity of the above-mentioned user is only recorded under the enterprise annuity account corresponding to the company where the user is located. Therefore, this method cannot realize the transfer of personal accounts and the transfer of resources within personal accounts on the basis of satisfying the uniqueness of personal accounts.

[0050] In addition, there is also account transfer between devices in the prior art, which is mainly achieved by initiating a message interaction session with a third-party device through a second device, and receiving from a server at the second device an identifier associated with the first device that the second device is using, and then the account can be transferred through the identifier. However, this method only supports the transfer of the account itself, and does not support the transfer of resources within the account.

[0051] Based on the above content, it can be seen that in the prior art, in the process of account transfer, it is impossible to realize the simultaneous transfer of resources in the account, which loses the integrity and convenience of the transfer. In this way, when there are funds, funds and other related resources in the user's account, the user needs to redeem and withdraw all resources in the account first, and the transfer can only be carried out when the resources in the account are empty. Therefore, how to realize the transfer of personal accounts and the transfer of resources in personal accounts on the basis of satisfying the uniqueness of personal accounts is an urgent problem to be solved.

[0052] Based on this, in order to solve the technical problem that the prior art cannot realize the transfer of personal accounts and the transfer of resources in personal accounts on the basis of satisfying the uniqueness of personal accounts, the embodiments of the present application provide a resource transfer method, apparatus, device, medium and product, which can receive a resource transfer request sent by the resource transfer-out device when the account status of the resource transfer-out account created by the resource transfer-out device is in a pending transfer state, and the resource transfer request is used to transfer the account resources in the resource transfer-out account to the resource transfer-in account pre-created by the resource transfer-in device, and the account status of the resource transfer-in account is a normal state, and then the resource transfer request can be transferred according to the resource transfer-out account. The account identifier of the resource transfer-out account in the source transfer request is used to extract the account resources in the resource transfer-out account, and according to the account identifier of the resource transfer-in account in the resource transfer request, the account resources of the resource transfer-out account are transferred to the resource transfer-in account. In this way, since the resource transfer-out account and the resource transfer-in account are different accounts of the same user, when the resource transfer-out account is suspended, the account resources in the resource transfer-out account are transferred to the resource transfer-in account that can be used normally. Therefore, on the basis of satisfying the uniqueness of personal accounts such as personal pension fund accounts, not only the transfer of accounts but also the transfer of resources in accounts can be realized.

[0053] The resource transfer method provided in the embodiment of the present application is described in detail below through specific embodiments in conjunction with the accompanying drawings.

[0054] Figure 1 It is a flowchart of a resource transfer method provided in an embodiment of the present application.

[0055] like Figure 1 As shown, the execution subject of the method may be a resource management system. Based on this, the method may specifically include the following steps:

[0056] S110: When the account status of the resource transfer-out account created by the resource transfer-out device is in a pending transfer status, receiving a resource transfer request sent by the resource transfer-out device.

[0057] Specifically, when the account status of the resource transfer-out account created by the resource transfer-out device is in the pending transfer status, if the resource transfer-out device sends a resource transfer request to the resource management system, the resource management system can receive the resource transfer request sent by the resource transfer-out device.

[0058] In some embodiments, the resource transfer request is used to transfer account resources in the resource transfer-out account to the resource transfer-in account pre-created by the resource transfer-in device. The account resources involved above may correspond to related resources under the account, which is not specifically limited here.

[0059] It should be noted that the account status of the above-mentioned resource transfer-in account is normal, which means that the resource transfer-in account can be used normally. The account status of the above-mentioned resource transfer-out account is pending transfer, which means that the resource transfer-out account is in a state of waiting for the account and the resources in the account to be transferred. It can also be understood that the resource transfer-out account suspends the processing of other tasks except the transfer of accounts and resources in the account.

[0060] In addition, the resource transfer request may include an account identifier of a resource transfer-out account and an account identifier of a resource transfer-in account, wherein the account identifier of the resource transfer-out account is used to uniquely identify the resource transfer-out account, and correspondingly, the account identifier of the resource transfer-in account is used to uniquely identify the resource transfer-in account.

[0061] It should also be noted that the above-mentioned resource transfer-out account and resource transfer-in account can be different accounts of the same user. For example, the above-mentioned resource transfer-out account and resource transfer-in account are both personal pension fund accounts of the same user, which is not specifically limited here.

[0062] In one example, take the transfer of personal pension fund accounts as an example. Figure 2 As shown, when the account status of the resource transfer account is in the pending transfer state, the resource transfer device can be filled in as follows Figure 2 After the relevant information is shown, you can click the "Transfer" control to send a resource transfer request to the resource management system. In this way, the resource management system can receive the resource transfer request sent by the resource transfer-out device.

[0063] S120: extracting account resources in the resource transfer-out account according to the account identifier of the resource transfer-out account.

[0064] Specifically, after the resource management system receives the resource transfer request sent by the resource transfer device, since the resource transfer request can include the account identifier of the resource transfer account, the resource management system can query the corresponding resource transfer account based on the account identifier of the resource transfer account included in the resource transfer request, and extract the account resources within the resource transfer account.

[0065] S130, transferring account resources in the resource transfer-out account to the resource transfer-in account according to the account identifier of the resource transfer-in account.

[0066] Specifically, since the resource transfer request received by the resource management system also includes the account identifier of the resource transfer-in account, the resource management system can, after extracting the account resources of the resource transfer-out account, query the corresponding resource transfer-in account based on the account identifier of the resource transfer-in account included in the resource transfer request, and then transfer the account resources in the resource transfer-out account to the resource transfer-in account.

[0067] It should also be noted that after the resource management system transfers the account resources in the resource transfer-out account to the resource transfer-in account, the resource transfer-out device can be filled in Figure 3 In the interface shown, enter the "User Name", "ID Type" and "ID Number" information, and click the control corresponding to "Transfer Application" to query the relevant records under the corresponding user name.

[0068] In an embodiment of the present application, when the account status of the resource transfer-out account created by the resource transfer-out device is in a pending transfer status, a resource transfer request sent by the resource transfer-out device can be received, the resource transfer request being used to transfer the account resources in the resource transfer-out account to the resource transfer-in account pre-created by the resource transfer-in device, and the account status of the resource transfer-in account being in a normal status, and then the account resources in the resource transfer-out account can be extracted according to the account identifier of the resource transfer-out account in the resource transfer request, and the account resources of the resource transfer-out account can be transferred to the resource transfer-in account according to the account identifier of the resource transfer-in account in the resource transfer request. In this way, since the resource transfer-out account and the resource transfer-in account are different accounts of the same user, when the resource transfer-out account is suspended, the account resources in the resource transfer-out account are transferred to the resource transfer-in account that can be used normally, and then on the basis of satisfying the uniqueness of personal accounts such as personal pension fund accounts, not only the account transfer but also the transfer of resources in the account can be realized.

[0069] In order to avoid invalid resource transfer or resource transfer errors that may occur during the resource transfer process, after the resource management system receives the resource transfer request, it is necessary to verify the resource transfer request and then extract the account resources in the resource transfer account after the verification is passed, so as to avoid invalid resource transfer or resource transfer errors.

[0070] Based on this, in some embodiments, the resource transfer request may also include user information and resource transfer quota. The user information may be relevant information of the user corresponding to the resource transfer-out account and the resource transfer-in account, and the user information may include user name, user ID and other information, which are not specifically limited here. In addition, the resource transfer quota may be the resource quota that the resource transfer-out device applies for in the current or current transfer. It should be noted that the resource transfer quota needs to be less than or equal to the total quota of the account resources in the resource transfer-out account.

[0071] Based on this, Figure 4 As shown, the above S120 may specifically include the following steps:

[0072] S410, verifying the user information, resource transfer amount and account identification to be verified according to preset verification rules to obtain a verification result.

[0073] In some embodiments, the account information to be verified may include an account identifier of an account from which resources are transferred out, and / or an account identifier of an account to which resources are transferred in.

[0074] In addition, the preset verification rule may be a verification rule preset based on actual experience or circumstances. For example, the preset verification rule may include that the resource transfer amount is greater than or equal to a preset value. The preset value may be preset based on actual experience or circumstances. For example, the preset value may be set to 0. The resource transfer-out account and the resource transfer-in account are both accounts under the user name corresponding to the user information, and whether the account identifiers of the resource transfer-in account and the resource transfer-out account are correct, etc., which are not specifically limited here.

[0075] S420: When the verification result indicates that the verification has passed, extract the account resources in the resource transfer-out account according to the account identifier of the resource transfer-out account.

[0076] Specifically, since the resource transfer request can also include user information and resource transfer quota, the resource management system can verify the user information, resource transfer quota and account identifier to be verified according to preset verification rules, and obtain the corresponding verification result. If the verification result indicates that the verification is passed, the resource management system can extract the account resources in the resource transfer account based on the account identifier of the resource transfer account.

[0077] In this embodiment, the user information, resource transfer amount, account identifiers of the resource transfer-out account and the resource transfer-in account included in the resource transfer request can be verified, and if the verification passes, the account resources in the resource transfer-out account can be extracted. In this way, invalid resource transfer or resource transfer error can be effectively avoided during the resource transfer process.

[0078] Based on this, in order to describe in detail the resource transfer method provided in the embodiment of the present application, in one embodiment, the resource transfer method involved above may further include the following steps:

[0079] In the case where the verification result indicates that the verification has failed, determining the reason why the verification result has failed;

[0080] A first prompt message is sent to the resource transfer-out device, wherein the first prompt message includes a reason why the first verification result fails to be verified, so as to prompt the resource transfer-out device to modify the resource transfer request according to the reason why the first verification result fails to be verified.

[0081] Specifically, if the verification result obtained above indicates that the verification failed, the resource management system can determine the reason why the verification result failed and send a first prompt message to the resource transfer device. The first prompt message includes the reason why the verification result failed, so as to prompt the resource transfer device to change the relevant information in the resource transfer request according to the reason why the verification result failed.

[0082] In this embodiment, when the verification result indicates that the verification has failed, the reason why the verification result failed can be accurately located, so that the resource transfer device can be subsequently prompted to change the relevant information in the resource transfer request according to the reason why the verification result failed, so that the relevant information required for the resource transfer can be accurately submitted subsequently, and the personal account and the resources in the account can be effectively transferred.

[0083] Considering the diversity of account resources in the resource transfer-out account, the specific resource transfer process may be different for different types of account resources. In order to accurately describe the transfer process of resources in the account later, the resource composition of the account resources in the resource transfer-out account is first described in detail here. Specifically, in some embodiments, the account resources in the resource transfer-out account may include unbound resources and bound resources, wherein the unbound resources may include account resources in the resource transfer-out account that have no binding relationship with the target device, such as demand deposits in the resource transfer-out account. Correspondingly, the bound resources may include account resources in the resource transfer-out account that have a binding relationship with the target device, such as demand deposits, funds, insurance, etc. in the resource transfer-out account. Among them, the above-mentioned target device may be an electronic device corresponding to an institution such as a bank, a fund company, an insurance company, etc., which is not specifically limited here.

[0084] It should be noted that the above-mentioned bound resources may include first-type resources and second-type resources. The first-type resources may be resources that can be directly transferred without unbinding the relationship with the target device. For example, the first-type resources may be resources such as funds, which are not specifically limited here. The second-type resources may be resources that need to be unbinded from the target device before transferring the resources. For example, the second-type resources may be resources such as time deposits and insurance, which are not specifically limited here.

[0085] In this embodiment, the diversity of account resources in the resource transfer-out account can be taken into account, and the resource composition of the account resources in the resource transfer-out account can be accurately described so that an accurate resource transfer process can be performed for different types of resources subsequently, thereby simply and conveniently realizing not only the transfer of the account itself but also the transfer of resources within the account on the basis of satisfying the uniqueness of the personal account.

[0086] Based on this, in order to accurately and in detail describe the resource transfer method provided in the embodiment of the present application, in one embodiment, if the account resources in the resource transfer-out account include first-type resources, the resource transfer method provided in the embodiment of the present application may also include the following steps:

[0087] In the process of transferring account resources in the resource transfer-out account to the resource transfer-in account, a binding account change request is sent to the target device, so that the target device changes the binding account of the first type of resource from the resource transfer-out account to the resource transfer-in account according to the binding account change request.

[0088] The binding account change request is used to change the binding account of the first type of resource stored in the target device.

[0089] Specifically, if the account resources in the above-mentioned resource transfer-out account can include first type resources, then for the first type resources, the resource management system can send a binding account change request to the target device during the process of transferring the account resources in the resource transfer-out account to the resource transfer-in account, so that the target device can change the binding account of the first type of resources from the resource transfer-out account to the resource transfer-in account according to the binding account change request.

[0090] In one example, taking the resource transfer account as a personal pension fund account as an example, if the account resources in the personal pension fund account include funds and other resources, the resource management system can send a binding account change request to the electronic device corresponding to the fund company where the fund is located, and apply to change the account used to trade or settle the fund, that is, the personal pension fund account bound to the user's unique corresponding Zhongdeng account and personal pension account is changed from a resource transfer account to a resource transfer account, thereby directly realizing the transfer of fund holdings. Among them, the Zhongdeng account can be a Zhongdeng account opened by the user on the Zhongdeng platform, which is unique and bound to the personal pension account and personal pension fund account.

[0091] In this embodiment, if the account resources in the resource transfer-out account include first type resources, the resource management system can send a binding account change request to the target device where the first type resources are located, thereby directly realizing the resource transfer of the first type resources. On the basis of satisfying the uniqueness of the personal account, it can directly realize the transfer of the account and the resources in the account, thereby improving user satisfaction.

[0092] It should also be noted that if the account resources of the resource transfer-out account include unbound resources, then during the resource transfer process, the unbound resources in the account resources of the resource transfer-out account can be directly transferred from the resource transfer-out account to the resource transfer-in account. If the account resources of the resource transfer-out account include second-type resources, the resource transfer-out device needs to redeem the second-type resources before initiating a resource transfer request, and then perform the resource transfer. In addition, in order to be able to describe the resource transfer method provided in the embodiment of the present application in detail, in one embodiment, Figure 5 As shown, before S110, the resource transfer method mentioned above may further include the following steps:

[0093] S510: Receive an account status change request sent by a resource transfer-out device.

[0094] In some embodiments, the account status change request may include account information of the resource transfer-out account, wherein the account information of the resource transfer-out account also includes at least one of the account status of the resource transfer-out account and the resource status of the second type of resource in the resource transfer-out account.

[0095] S520: Determine whether the account information of the resource transfer-out account meets a preset condition.

[0096] Since the account information of the resource transfer-out account also includes at least one of the account status of the resource transfer-out account and the resource status of the second type of resource in the resource transfer-out account, the preset condition includes at least one of the account status of the resource transfer-out account being a normal status and the resource status of the second type of resource being a redeemed status. The redeemed status indicates that the corresponding second type of resource has been redeemed from its corresponding target device.

[0097] S530: When the account information of the resource transfer-out account satisfies a preset condition, the account status of the resource transfer-out account is changed to a pending transfer status.

[0098] Specifically, before receiving the resource transfer request sent by the resource transfer-out device, the resource management system can receive an account status change request sent by the resource transfer-out device. Since the account status change request can include the account information of the resource transfer-out account, the resource management system can first determine whether the account information of the resource transfer-out account meets the preset conditions. If the account information of the resource transfer-out account meets the preset conditions, the account status of the resource transfer-out account can be changed to a pending transfer status.

[0099] It should also be noted that after the resource management system transfers the account resources in the resource transfer-out account to the resource transfer-in account, the resource transfer-out device can be filled in Figure 3Click the "User Name", "ID Type" and "ID Number" information displayed in the interface shown, and click the control corresponding to "Status Transfer Application" to query the relevant records under the corresponding user name.

[0100] In this embodiment, before receiving the resource transfer request sent by the resource transfer-out device, it is possible to first receive the account status change request sent by the resource transfer-out device, and verify the account status change request. If the verification is successful, the account status of the resource transfer-out account is changed so that the subsequent resource transfer can be carried out smoothly. On the basis of satisfying the uniqueness of the personal account, the transfer of the account and the resources in the account can be directly realized, thereby improving user satisfaction.

[0101] Based on this, in order to accurately and in detail describe the resource transfer method provided in the embodiment of the present application, in one embodiment, the resource transfer method involved above may also include the following steps:

[0102] When the account information of the resource transfer-out account does not meet the preset conditions, a second prompt message is sent to the resource transfer-out device, so that the resource transfer-out device can adjust the account status of the resource transfer-out account to a normal status according to the second prompt message, and / or redeem the second type of resource and adjust the resource status of the second type of resource from an unredeemed status to a redeemed status.

[0103] Specifically, if the account information of the resource transfer-out account does not meet the preset conditions, a second prompt message can be sent to the resource transfer-out device, so that the resource transfer-out device can adjust the account status of the resource transfer-out account to a normal status according to the second prompt message, and / or redeem the second type of resources and adjust the resource status of the second type of resources from an unredeemed status to a non-redeemed status.

[0104] In this embodiment, if the verification of the account status change request is unsuccessful, a prompt message may be sent to the resource transfer device so that the resource transfer device can subsequently change the relevant information in the account status change request, thereby enabling the transfer of the account and the resources in the account.

[0105] In some embodiments, the resource management system may include a first subsystem and a second subsystem, as shown in Figure 6. The first subsystem and the second subsystem may be determined according to the specific situation. For example, if the resource transfer-out account and the resource transfer-in account are personal pension fund accounts, the first subsystem may be a personal pension business system, and the second subsystem may be a human resources and social security information platform. In this way, in order to more accurately and in detail describe the resource transfer method provided in the embodiment of the present application, in one embodiment, Figure 6 As shown, the resource transfer method may include the following steps:

[0106] S601: The first subsystem receives an account status change request sent by a resource transfer-out device.

[0107] The account status change request may include account information of the resource transfer-out account.

[0108] S602, the first subsystem determines whether the account information of the resource transfer-out account meets the preset conditions, if not, execute S603, if satisfied, execute S604.

[0109] S603: The first subsystem sends a second prompt message to the resource transfer-out device.

[0110] S604: The first subsystem sends a first notification message to the second subsystem.

[0111] The first notification message is used to notify the second subsystem that the account information of the resource transfer-out account meets the preset conditions, and the account status of the resource transfer-out account can be modified.

[0112] S605: The second subsystem changes the account status of the resource transfer-out account to a pending transfer status.

[0113] S606: The second subsystem sends a second notification message to the resource transfer-out device.

[0114] The second notification message is used to notify the resource transfer-out device and the resource transfer-out account that the account status has been changed to a pending transfer status.

[0115] S607: The first subsystem receives a resource transfer request sent by the resource transfer-out device.

[0116] S608, the first subsystem verifies the resource transfer request and obtains a verification result. If the verification result passes, S609 is executed, and if the verification fails, S611 is executed.

[0117] S609, transferring account resources in the resource transfer-out account to the resource transfer-in account.

[0118] S610: The first subsystem sends a third notification message to the resource transfer-in device.

[0119] The third notification message is used to notify the resource transfer-in device that the account resources of the resource transfer-out account have been transferred to the resource transfer-in account.

[0120] S611: Send first prompt information to the resource transfer-out device.

[0121] In this embodiment, since the resource management system may include a first subsystem and a second subsystem, the resource management system may receive an account status change request sent by a resource transfer-out device through the first subsystem, and determine whether the account information of the resource transfer-out account in the account change request meets a preset condition. If the account information of the resource transfer-out account does not meet the preset condition, a second prompt message may be sent to the resource transfer-out device through the first subsystem, so that the resource transfer-out device adjusts the account status of the resource transfer-out account to a normal state according to the second prompt message, and / or redeems a second type of resource and adjusts the resource status of the second type of resource from an unredeemed state to a redeemed state. If the account information of the resource transfer-out account meets the preset condition, the account status of the resource transfer-out account is changed to a pending transfer state through the second subsystem, and a second notification message is sent to the resource transfer-out device through the second subsystem to inform the resource transfer-out device and the resource transfer-out account that the account status has been changed. Based on this, the resource management system can receive the resource transfer request sent by the resource transfer-out device through the first subsystem, and verify the resource transfer request to obtain the verification result, and then, if the verification result fails, send a first prompt message to the resource transfer-out device, so that the resource transfer-out device changes the resource transfer request, and if the verification passes, transfer the account resources in the resource transfer-out account to the resource transfer-in account, and send a third notification message to the resource transfer-in device for notification. In this way, when the resource transfer-out account is suspended, the account resources in the resource transfer-out account are transferred to the resource transfer-in account that can be used normally, and then, on the basis of satisfying the uniqueness of personal accounts such as personal pension fund accounts, not only the transfer of accounts but also the transfer of resources in accounts can be realized.

[0122] Based on the same inventive concept, the embodiment of the present application also provides a resource transfer device. The resource transfer device can be applied to a resource management system, specifically in combination with Figure 7 The resource management system provided in the embodiment of the present application is described in detail.

[0123] Figure 7 It is a structural diagram of a resource management system provided in an embodiment of the present application.

[0124] like Figure 7 As shown, the resource management system 700 may include:

[0125] The receiving module 710 is used to receive a resource transfer request sent by the resource transfer-out device when the account status of the resource transfer-out account created by the resource transfer-out device is in a pending transfer status, the resource transfer request is used to transfer account resources in the resource transfer-out account to a resource transfer-in account pre-created by the resource transfer-in device, the account status of the resource transfer-in account is a normal status, the resource transfer request includes an account identifier of the resource transfer-out account and an account identifier of the resource transfer-in account, and the resource transfer-out account and the resource transfer-in account are different accounts of the same user;

[0126] An extraction module 720, configured to extract account resources in the resource transfer-out account according to the account identifier of the resource transfer-out account;

[0127] The transfer module 730 is used to transfer the account resources in the resource transfer-out account to the resource transfer-in account according to the account identifier of the resource transfer-in account.

[0128] In some embodiments, the resource transfer request also includes user information and resource transfer quota; based on this, the resource transfer device may further include a verification module.

[0129] A verification module is used to verify the user information, the resource transfer amount and the account identifier to be verified according to a preset verification rule to obtain a verification result, wherein the account information to be verified includes the account identifier of the resource transfer-out account and / or the account identifier of the resource transfer-in account;

[0130] The transfer module is specifically used to extract account resources in the resource transfer-out account according to the account identifier of the resource transfer-out account when the verification result indicates that the verification has passed.

[0131] In one embodiment, the resource transfer device mentioned above may further include a determination module and a sending module.

[0132] The above-mentioned determination module is used to determine the reason why the verification result fails the verification when the verification result indicates that the verification fails;

[0133] The sending module is used to send first prompt information to the resource transfer device, the first prompt information including the reason why the verification result fails, so as to prompt the resource transfer device to modify the resource transfer request according to the reason why the verification result fails.

[0134] In some embodiments, the account resources in the resource transfer-out account include unbound resources and bound resources, the unbound resources include account resources in the resource transfer-out account that have no binding relationship with the target device, and the bound resources include account resources in the resource transfer-out account that have a binding relationship with the target device;

[0135] Bound resources include first type resources and second type resources. The first type resources are resources that can be directly transferred without unbinding the relationship with the target device, and the second type resources are resources that need to be unbinded from the target device before resource transfer.

[0136] In some embodiments, the account resources in the resource transfer-out account include first type resources; based on this, the resource transfer device involved above may further include a sending module.

[0137] The sending module is also used to send a binding account change request to the target device during the process of transferring account resources in the resource transfer-out account to the resource transfer-in account. The binding account change request is used to change the binding account of the first type of resource stored in the target device, so that the target device can change the binding account of the first type of resource from the resource transfer-out account to the resource transfer-in account according to the binding account change request.

[0138] In one embodiment, the resource transfer device mentioned above may further include a judgment module and a modification module.

[0139] The receiving module is further used to receive an account status change request sent by the resource transfer-out device, where the account status change request includes account information of the resource transfer-out account;

[0140] A judgment module is used to judge whether the account information of the resource transfer-out account meets the preset conditions;

[0141] The change module is used to change the account status of the resource transfer-out account to a pending transfer status when the account information of the resource transfer-out account meets the preset conditions.

[0142] The account information of the resource transfer-out account further includes at least one of the account status of the resource transfer-out account and the resource status of the second type of resources in the resource transfer-out account;

[0143] The preset condition includes at least one of the following: the account status of the resource transfer-out account is a normal status, and the resource status of the second type of resource is a redeemed status.

[0144] In one embodiment, the resource transfer device mentioned above may further include a sending module.

[0145] A sending module is used to send a second prompt message to a resource transfer device when the account information of the resource transfer account does not meet a preset condition, so that the resource transfer device can adjust the account status of the resource transfer account to a normal state according to the second prompt message, and / or redeem the second type of resource and adjust the resource status of the second type of resource from an unredeemed state to a redeemed state.

[0146] In an embodiment of the present application, when the account status of the resource transfer-out account created by the resource transfer-out device is in a pending transfer status, a resource transfer request sent by the resource transfer-out device can be received, the resource transfer request being used to transfer the account resources in the resource transfer-out account to the resource transfer-in account pre-created by the resource transfer-in device, and the account status of the resource transfer-in account is a normal status, and then the account resources in the resource transfer-out account can be extracted according to the account identifier of the resource transfer-out account in the resource transfer request, and the account resources of the resource transfer-out account can be transferred to the resource transfer-in account according to the account identifier of the resource transfer-in account in the resource transfer request. In this way, since the resource transfer-out account and the resource transfer-in account are different accounts of the same user, when the resource transfer-out account is suspended, the account resources in the resource transfer-out account are transferred to the resource transfer-in account that can be used normally, and then on the basis of satisfying the uniqueness of personal accounts such as personal pension fund accounts, not only the account transfer but also the transfer of resources in the account can be realized.

[0147] Each module in the resource management system provided in the embodiment of the present application can be implemented Figure 1 , Figures 4 to 6 The method steps of any of the embodiments shown in the figure can achieve the corresponding technical effects, which will not be repeated here for the sake of brevity.

[0148] Figure 8 A schematic diagram of the hardware structure of an electronic device provided in an embodiment of the present application is shown.

[0149] The electronic device may include a processor 801 and a memory 802 storing computer program instructions.

[0150] Specifically, the processor 801 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.

[0151] The memory 802 may include a large capacity memory for data or instructions. By way of example and not limitation, the memory 802 may include a hard disk drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a universal serial bus (USB) drive or a combination of two or more of these. In appropriate cases, the memory 802 may include a removable or non-removable (or fixed) medium. In appropriate cases, the memory 802 may be inside or outside the integrated gateway disaster recovery device. In a specific embodiment, the memory 802 is a non-volatile solid-state memory.

[0152] The memory may include read-only memory (ROM), random access memory (RAM), magnetic disk storage media devices, optical storage media devices, flash memory devices, electrical, optical or other physical / tangible memory storage devices. Thus, typically, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method according to an aspect of the present disclosure.

[0153] The processor 801 implements any one of the resource transfer methods in the above embodiments by reading and executing computer program instructions stored in the memory 802 .

[0154] In one example, the electronic device may further include a communication interface 803 and a bus 810. Figure 8 As shown, the processor 801, the memory 802, and the communication interface 803 are connected via a bus 810 and communicate with each other.

[0155] The communication interface 803 is mainly used to implement communication between various modules, devices, units and / or equipment in the embodiments of the present application.

[0156] Bus 810 includes hardware, software or both, and the parts of online data flow billing equipment are coupled to each other. For example, but not limitation, bus may include accelerated graphics port (AGP) or other graphics bus, enhanced industrial standard architecture (EISA) bus, front-end bus (FSB), hypertransport (HT) interconnection, industrial standard architecture (ISA) bus, infinite bandwidth interconnection, low pin count (LPC) bus, memory bus, micro channel architecture (MCA) bus, peripheral component interconnection (PCI) bus, PCI-Express (PCI-X) bus, serial advanced technology attachment (SATA) bus, video electronics standard association local (VLB) bus or other suitable bus or two or more of these combinations. In appropriate cases, bus 810 may include one or more buses. Although the present application embodiment describes and shows a specific bus, the application considers any suitable bus or interconnection.

[0157] In addition, in combination with the resource transfer method in the above embodiment, the embodiment of the present application can provide a computer storage medium to implement. The computer storage medium stores computer program instructions; when the computer program instructions are executed by the processor, the resource transfer method provided in the embodiment of the present application is implemented.

[0158] An embodiment of the present application also provides a computer program product, which includes a computer program. When the computer program is executed by a processor, the electronic device executes the resource transfer method provided in the embodiment of the present application.

[0159] It should be clear that the present application is not limited to the specific configuration and processing described above and shown in the figures. For the sake of simplicity, a detailed description of the known method is omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method process of the present application is not limited to the specific steps described and shown, and those skilled in the art can make various changes, modifications and additions, or change the order between the steps after understanding the spirit of the present application.

[0160] The functional blocks shown in the above block diagram can be implemented as hardware, software, firmware or a combination thereof. When implemented in hardware, it can be, for example, an electronic circuit, an application specific integrated circuit (ASIC), appropriate firmware, a plug-in, a function card, etc. When implemented in software, the elements of the present application are programs or code segments that are used to perform the required tasks. The program or code segment can be stored in a machine-readable medium, or transmitted on a transmission medium or a communication link by a data signal carried in a carrier wave. "Machine-readable medium" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, optical fiber media, radio frequency (RF) links, etc. The code segment can be downloaded via a computer network such as the Internet, an intranet, etc.

[0161] It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, this application is not limited to the order of the above steps, that is, the steps can be performed in the order mentioned in the embodiment, or in a different order from the embodiment, or several steps can be performed simultaneously.

[0162] Aspects of the present disclosure are described above with reference to the flowcharts and / or block diagrams of the methods, devices (systems) and computer program products according to the embodiments of the present disclosure. It should be understood that each box in the flowchart and / or block diagram and the combination of each box in the flowchart and / or block diagram can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable resource management system to produce a machine so that these instructions executed by the processor of the computer or other programmable resource management system enable the implementation of the function / action specified in one or more boxes of the flowchart and / or block diagram. Such a processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field programmable logic circuit. It can also be understood that each box in the block diagram and / or flowchart and the combination of boxes in the block diagram and / or flowchart can also be implemented by dedicated hardware that performs a specified function or action, or can be implemented by a combination of dedicated hardware and computer instructions.

[0163] The above are only specific implementation methods of the present application. Those skilled in the art can clearly understand that for the convenience and simplicity of description, the specific working processes of the systems, modules and units described above can refer to the corresponding processes in the aforementioned method embodiments, and will not be repeated here. It should be understood that the protection scope of the present application is not limited to this. Any technician familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed in this application, and these modifications or replacements should be included in the protection scope of this application.

Claims

1. A resource transfer method, It is characterized in that Applied to a resource management system, the method comprises: In a case where the account status of the resource transfer-out account created by the resource transfer-out device is in a pending transfer status, receiving a resource transfer request sent by the resource transfer-out device, wherein the resource transfer request is used to transfer account resources in the resource transfer-out account to a resource transfer-in account pre-created by the resource transfer-in device, the account status of the resource transfer-in account is a normal status, the resource transfer request includes an account identifier of the resource transfer-out account and an account identifier of the resource transfer-in account, and the resource transfer-out account and the resource transfer-in account are different accounts of the same user; Extracting account resources in the resource transfer-out account according to the account identifier of the resource transfer-out account; According to the account identifier of the resource transfer-in account, the account resources in the resource transfer-out account are transferred to the resource transfer-in account.

2. The method according to claim 1, It is characterized in that The resource transfer request also includes user information and resource transfer quota; The extracting the account resources of the resource transfer-out account according to the account identifier of the resource transfer-out account includes: According to a preset verification rule, the user information, the resource transfer amount and the account identifier to be verified are verified to obtain a verification result, wherein the account information to be verified includes the account identifier of the resource transfer-out account and / or the account identifier of the resource transfer-in account; When the verification result indicates that the verification is passed, the account resources in the resource transfer-out account are extracted according to the account identifier of the resource transfer-out account.

3. The method according to claim 2, It is characterized in that The method further comprises: If the verification result indicates that the verification fails, determining the reason why the verification result fails; A first prompt message is sent to the resource transfer-out device, wherein the first prompt message includes a reason why the verification result fails, so as to prompt the resource transfer-out device to modify the resource transfer request according to the reason why the verification result fails.

4. The method according to claim 1, It is characterized in that The account resources in the resource transfer-out account include unbound resources and bound resources, wherein the unbound resources include account resources in the resource transfer-out account that have no binding relationship with the target device, and the bound resources include account resources in the resource transfer-out account that have a binding relationship with the target device; The bound resources include first type resources and second type resources. The first type resources are resources that can be directly transferred without unbinding the relationship with the target device, and the second type resources are resources that need to be unbinded from the target device before transferring the resources.

5. The method according to claim 4, It is characterized in that The account resources in the resource transfer-out account include the first type of resources; and the method further includes: In the process of transferring the account resources in the resource transfer-out account to the resource transfer-in account, a binding account change request is sent to the target device, and the binding account change request is used to change the binding account of the first type of resource stored in the target device, so that the target device changes the binding account of the first type of resource from the resource transfer-out account to the resource transfer-in account according to the binding account change request.

6. The method according to claim 4, It is characterized in that When the account status of the resource transfer-out account is in a pending transfer status, before receiving the resource transfer request sent by the resource transfer-out device, the method further includes: Receiving an account status change request sent by a resource transfer-out device, wherein the account status change request includes account information of a resource transfer-out account; Determine whether the account information of the resource transfer-out account meets the preset conditions; When the account information of the resource transfer-out account meets a preset condition, changing the account status of the resource transfer-out account to a pending transfer status; The account information of the resource transfer-out account further includes at least one of the account status of the resource transfer-out account and the resource status of the second type of resources in the resource transfer-out account; The preset condition includes at least one of the following: the account status of the resource transfer-out account is a normal status, and the resource status of the second type of resource is a redeemed status.

7. The method according to claim 6, It is characterized in that The method further comprises: When the account information of the resource transfer-out account does not meet the preset conditions, a second prompt message is sent to the resource transfer-out device, so that the resource transfer-out device can adjust the account status of the resource transfer-out account to a normal status according to the second prompt message, and / or redeem the second type of resource and adjust the resource status of the second type of resource from an unredeemed status to a redeemed status.

8. A resource transfer device, It is characterized in that Applied to a resource management system, the device comprises: A receiving module, used for receiving a resource transfer request sent by the resource transfer-out device when the account status of the resource transfer-out account created by the resource transfer-out device is in a pending transfer status, wherein the resource transfer request is used to transfer account resources in the resource transfer-out account to a resource transfer-in account pre-created by the resource transfer-in device, the account status of the resource transfer-in account is a normal status, the resource transfer request includes an account identifier of the resource transfer-out account and an account identifier of the resource transfer-in account, and the resource transfer-out account and the resource transfer-in account are different accounts of the same user; An extraction module, used to extract account resources in the resource transfer-out account according to the account identifier of the resource transfer-out account; The transfer module is used to transfer the account resources in the resource transfer-out account to the resource transfer-in account according to the account identifier of the resource transfer-in account.

9. An electronic device, It is characterized in that The device comprises: a processor and a memory storing computer program instructions; The processor reads and executes the computer program instructions to implement the resource transfer method according to any one of claims 1 to 7.

10. A computer storage medium, It is characterized in that The computer storage medium stores computer program instructions, and when the computer program instructions are executed by a processor, the resource transfer method according to any one of claims 1 to 7 is implemented.

11. A computer program product, It is characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the resource transfer method according to any one of claims 1 to 7 is implemented.

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