Resource transfer processing method and device, computer equipment, medium and program product

Abstract

The invention relates to the field of big data processing, and particularly discloses a resource transfer processing method and device, computer equipment, a computer readable storage medium and a computer program product. The method comprises the following steps: when a resource transfer request initiated based on a target account is received, analyzing the resource transfer request, and determining a resource transfer scene, identification information of a user to which the target account belongs, and a resource type and a resource amount requested to be transferred; when the account type of the target account is matched with a preset account type, the resource transfer scene is matched with a preset resource transfer scene, and the resource type requested to be transferred is matched with a preset resource type, obtaining a resource type list matched with the identification information; and based on a comparison result between the resource type list and the resource type requested to be transferred, determining a target resource from available resources corresponding to the opened resource types under the target account so as to perform resource transfer. The method can improve the success rate of resource transfer.

Description

Technical Field

[0001] The present application relates to the field of big data processing technology, and in particular to a resource transfer processing method, apparatus, computer equipment, computer-readable storage medium, and computer program product. Background Art

[0002] In an actual resource transfer scenario, a financial institution will determine whether a user meets the resource transfer conditions based on the resource transfer request initiated by the user, and process the resource transfer request initiated by the user when the resource transfer conditions are met.

[0003] Typically, when a user initiates a resource transfer request based on an account, the financial structure will determine whether the amount of resources corresponding to a specific resource type in the account is sufficient. If not, it will be determined that the user does not meet the resource transfer conditions, and a resource transfer failure message will be output to the user to inform the user that the current resource transfer has not been successful.

[0004] However, the above resource transfer method will result in a high failure rate of resource transfer. Summary of the invention

[0005] Based on this, it is necessary to provide a resource transfer processing method, apparatus, computer equipment, computer-readable storage medium and computer program product that can improve the success rate of resource transfer in response to the above technical problems.

[0006] In a first aspect, the present application provides a resource transfer processing method, comprising: when a resource transfer request initiated based on a target account is received, parsing the resource transfer request, determining the resource transfer scenario, identification information of the user to which the target account belongs, and the resource type and resource amount requested to be transferred; when the account type of the target account matches the preset account type, the resource transfer scenario matches the preset resource transfer scenario, and the resource type requested to be transferred is inconsistent with the preset resource type, obtaining a resource type list that matches the identification information; wherein the resource type list includes the available resource types when the user to which the target account belongs performs resource transfer; based on the comparison result between the resource type list and the resource type requested to be transferred, determining the target resource from the available resources corresponding to each of the multiple activated resource types under the target account; and performing resource transfer on the target resource according to the resource amount.

[0007] In one embodiment, the target resource is determined from the available resources corresponding to each of the multiple activated resource types under the target account based on the comparison result between the resource type list and the resource type requested to be transferred, including: if the resource type requested to be transferred is in the resource type list, determining the available resources corresponding to the resource type requested to be transferred under the target account; when the determined available resources are less than the resource amount and the multiple activated resource types include the preset resource type, determining the available resources corresponding to the activated resource type consistent with the preset resource type under the target account as the target resource.

[0008] In one embodiment, the resource transfer of the target resource according to the resource amount includes: based on the resource conversion ratio between the preset resource type and the resource type requested to be transferred, performing resource conversion on the target resource; if the target resource after the resource conversion is less than the resource amount, determining an associated storage account that matches the identification information; when the user authorizes an account transfer for the available resources under the associated storage account, transferring the available resources under the associated storage account to the target account according to the resource difference between the resource amount and the target resource after the resource conversion; and performing resource transfer on the target resource after the resource conversion and the available resources transferred to the target account according to the resource amount.

[0009] In one embodiment, the method further includes: when the user authorizes resource transfer processing for the available resources under the associated storage account, transferring the available resources under the associated storage account according to the resource amount.

[0010] In one embodiment, the method further includes: if the target resource after resource conversion is less than the resource amount, then, in addition to the preset resource type and the resource type requested to be transferred, determining the activated resource type with the highest resource transfer priority from the multiple activated resource types; wherein, the greater the resource transfer priority of the activated resource type, the more available resources corresponding to the activated resource type; when the user authorizes resource conversion for the available resources under the target account, based on the resource conversion ratio between the determined activated resource type and the resource type requested to be transferred, performing resource conversion on the available resources corresponding to the determined activated resource type; and performing resource transfer on the target resource after resource conversion and the available resources after resource conversion according to the resource amount.

[0011] In one embodiment, the target resource is determined from the available resources corresponding to each of the multiple resource types activated under the target account based on the comparison result between the resource type list and the resource type requested to be transferred, including: when the resource type requested to be transferred is in the resource type list, and the resource transfer priority of the resource type requested to be transferred is greater than or equal to a preset priority, the available resources corresponding to the resource type requested to be transferred under the target account are determined as target resources; when the resource transfer priority of the resource type requested to be transferred is less than the preset priority, based on the resource transfer priorities of each of the multiple resource types activated, the available resources corresponding to the resource transfer priorities greater than or equal to the preset priority are determined as target resources.

[0012] In one embodiment, the target resource is determined from the available resources corresponding to each of the multiple activated resource types under the target account based on the comparison result between the resource type list and the resource type requested to be transferred, including: if the resource type requested to be transferred is outside the resource type list and the multiple activated resource types include the preset resource type, then the available resources corresponding to the activated resource type consistent with the preset resource type under the target account are determined as the target resources.

[0013] In one embodiment, obtaining the list of resource types that match the identification information includes: obtaining historical transfer information that matches the identification information, the historical transfer information including the historical usage counts of each resource type when the user to which the target account belongs performs resource transfers; and obtaining the list of resource types that match the identification information based on the first N resource types in the historical transfer information, while sorting the historical usage counts in the historical transfer information in descending order.

[0014] In the second aspect, the present application also provides a resource transfer processing device, including: a parsing module, which is used to parse the resource transfer request initiated based on the target account, determine the resource transfer scenario, the identification information of the user to which the target account belongs, and the resource type and resource amount requested to be transferred when receiving the resource transfer request; an acquisition module, which is used to obtain a list of resource types matching the identification information when the account type of the target account matches the preset account type, the resource transfer scenario matches the preset resource transfer scenario, and the resource type requested to be transferred is inconsistent with the preset resource type; wherein the resource type list includes the available resource types when the user to which the target account belongs performs resource transfer; a determination module, which is used to determine the target resource from the available resources corresponding to multiple activated resource types under the target account based on the comparison result between the resource type list and the resource type requested to be transferred; and a processing module, which is used to transfer the target resource according to the resource amount.

[0015] In one embodiment, the determination module includes: a first resource determination unit, which is used to determine the available resources corresponding to the resource type requested to be transferred under the target account if the resource type requested to be transferred is in the resource type list; and a second resource determination unit, which is used to determine the available resources corresponding to the activated resource type consistent with the preset resource type under the target account as the target resources when the determined available resources are less than the resource amount and the multiple activated resource types include the preset resource type.

[0016] In one embodiment, the processing module includes: a first resource conversion unit, used to perform resource conversion on the target resource based on the resource conversion ratio between the preset resource type and the resource type requested to be transferred; an account determination unit, used to determine the associated storage account matching the identification information if the target resource after resource conversion is less than the resource amount; a resource transfer unit, used to transfer the available resources under the associated storage account to the target account according to the resource difference between the resource amount and the target resource after resource conversion when the user authorizes account transfer for the available resources under the associated storage account; the first resource transfer unit is used to perform resource transfer on the target resource after resource conversion and the available resources transferred to the target account according to the resource amount.

[0017] In one embodiment, the processing module further includes: a transfer processing unit, configured to transfer the available resources under the associated storage account according to the resource amount when the user authorizes resource transfer processing for the available resources under the associated storage account.

[0018] In one embodiment, the processing module also includes: a resource type determination unit, which is used to determine the activated resource type with the highest resource transfer priority from the multiple activated resource types, except for the preset resource type and the resource type requested to be transferred, if the target resource after resource conversion is less than the resource amount; wherein, the greater the resource transfer priority of the activated resource type, the more available resources corresponding to the activated resource type; a second resource conversion unit, which is used to perform resource conversion on the available resources corresponding to the determined activated resource type based on the resource conversion ratio between the determined activated resource type and the resource type requested to be transferred when the user authorizes resource conversion for the available resources under the target account; and a second resource transfer unit, which is used to perform resource transfer on the target resource after resource conversion and the available resources after resource conversion according to the resource amount.

[0019] In one embodiment, the determination module also includes: a third resource determination unit, which is used to determine the available resources corresponding to the resource type requested to be transferred under the target account as target resources when the resource type requested to be transferred is in the resource type list and the resource transfer priority of the resource type requested to be transferred is greater than or equal to the preset priority; and a fourth resource determination unit, which is used to determine the available resources corresponding to the resource transfer priority greater than or equal to the preset priority as target resources based on the resource transfer priorities of each of the multiple activated resource types when the resource transfer priority of the resource type requested to be transferred is less than the preset priority.

[0020] In one embodiment, the determination module also includes: a fifth resource determination unit, which is used to determine the available resources corresponding to the activated resource types consistent with the preset resource types under the target account as target resources if the resource type requested to be transferred is outside the resource type list and the multiple activated resource types include the preset resource type.

[0021] In one embodiment, the acquisition module also includes: an information acquisition unit, used to obtain historical transfer information matching the identification information, the historical transfer information including the historical usage counts of each resource type when the user to which the target account belongs performs resource transfers; a list determination unit, used to obtain a list of resource types matching the identification information based on the first N resource types in the historical transfer information, while sorting the historical usage counts in the historical transfer information in descending order.

[0022] In a third aspect, the present application also provides a computer device, comprising a memory and a processor, the memory storing a computer program, and the processor implementing the following steps when executing the computer program: when receiving a resource transfer request initiated based on a target account, parsing the resource transfer request, determining the resource transfer scenario, identification information of the user to which the target account belongs, and the resource type and resource amount requested to be transferred; when the account type of the target account matches the preset account type, the resource transfer scenario matches the preset resource transfer scenario, and the resource type requested to be transferred is inconsistent with the preset resource type, obtaining a list of resource types matching the identification information; wherein the resource type list includes the available resource types when the user to which the target account belongs performs resource transfer; based on the comparison result between the resource type list and the resource type requested to be transferred, determining the target resource from the available resources corresponding to each of the multiple activated resource types under the target account; and performing resource transfer on the target resource according to the resource amount.

[0023] In a fourth aspect, the present application also provides a computer-readable storage medium having a computer program stored thereon, wherein the computer program implements the following steps when executed by a processor: when a resource transfer request initiated based on a target account is received, the resource transfer request is parsed to determine the resource transfer scenario, the identification information of the user to which the target account belongs, and the resource type and resource amount requested to be transferred; when the account type of the target account matches the preset account type, the resource transfer scenario matches the preset resource transfer scenario, and the resource type requested to be transferred is inconsistent with the preset resource type, a list of resource types matching the identification information is obtained; wherein the resource type list includes the available resource types when the user to which the target account belongs performs resource transfer; based on the comparison result between the resource type list and the resource type requested to be transferred, the target resource is determined from the available resources corresponding to each of the multiple resource types that have been activated under the target account; and the target resource is transferred according to the resource amount.

[0024] In a fifth aspect, the present application also provides a computer program product, comprising a computer program, which implements the following steps when executed by a processor: when a resource transfer request initiated based on a target account is received, the resource transfer request is parsed to determine the resource transfer scenario, the identification information of the user to which the target account belongs, and the resource type and resource amount requested to be transferred; when the account type of the target account matches the preset account type, the resource transfer scenario matches the preset resource transfer scenario, and the resource type requested to be transferred is inconsistent with the preset resource type, a list of resource types matching the identification information is obtained; wherein the resource type list includes the available resource types when the user to which the target account belongs performs resource transfer; based on the comparison result between the resource type list and the resource type requested to be transferred, the target resource is determined from the available resources corresponding to each of the multiple activated resource types under the target account; and the target resource is transferred according to the resource amount.

[0025] The above-mentioned resource transfer processing method, apparatus, computer equipment, computer-readable storage medium and computer program product, when receiving a resource transfer request initiated based on a target account, can determine the resource transfer scenario, identification information of the user to which the target account belongs, and the resource type and resource amount requested to be transferred by parsing the resource transfer request, and obtain a list of resource types matching the identification information when the account type of the target account matches the preset account type, the resource transfer scenario matches the preset resource transfer scenario, and the resource type requested to be transferred is inconsistent with the preset resource type. Therefore, based on the resource type list, the available resource type for the user to which the target account belongs when performing resource transfer can be set, and then based on the comparison result between the resource type list and the resource type requested to be transferred, the target resource can be determined from the available resources corresponding to each of the multiple resource types that have been enabled under the target account, thereby avoiding the situation where a single resource type is used to process the user's resource transfer request, and the success rate of resource transfer can be improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] In order to more clearly illustrate the technical solutions in the embodiments of the present application or related technologies, the drawings required for use in the embodiments of the present application or related technical descriptions will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without paying creative work.

[0027] FIG1 is a schematic diagram of a process flow of a resource transfer processing method in one embodiment;

[0028] 2 is a flow chart of determining a target resource from available resources corresponding to a plurality of resource types enabled under a target account based on a comparison result between a resource type list and a resource type requested for transfer in one embodiment;

[0029] FIG3 is a schematic diagram of a process of transferring target resources according to resource amounts in one embodiment;

[0030] FIG4 is a schematic diagram of a flow chart of a resource transfer processing method in another embodiment;

[0031] 5 is a flow chart of determining a target resource from available resources corresponding to a plurality of resource types enabled under a target account based on a comparison result between the resource type list and the resource type requested to be transferred, according to another embodiment;

[0032] FIG6 is a schematic diagram of a process of obtaining a list of resource types matching identification information in one embodiment;

[0033] FIG7 is a schematic diagram of a flow chart of a resource transfer processing method in another embodiment;

[0034] FIG8 is a structural block diagram of a resource transfer processing device in one embodiment;

[0035] FIG. 9 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0036] In order to make the purpose, technical solutions and advantages of the present application clearer, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application. It should be noted that in the embodiments of the present application, certain software, groups, models and other existing solutions in the industry may be mentioned, which 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 will necessarily use the solution.

[0037] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant regulations. The acquisition, storage, use, and processing of data in the technical solution of this application are in compliance with relevant provisions of national laws and regulations.

[0038] In some cases, when a user applies for resource transfer overseas, a specific resource type refers to US dollars. When a user initiates a resource transfer request based on a certain account, it is determined whether the US dollar amount in the account is sufficient. If it is insufficient, even if the amount of other resource types in the account is sufficient, the user will be prompted with insufficient balance to inform the user that the resource transfer has failed.

[0039] Usually, for an account that initiates a resource transfer request by a user, although the dollar balance in the account is insufficient, there are balances of other resource types in the account. If the success of the resource transfer is determined only based on the dollar balance, the success rate of the resource transfer will be low.

[0040] In view of this, in one embodiment, as shown in FIG. 1 , a resource transfer processing method is provided, which is exemplified by taking the method applied to a processor in a resource transfer processing system as an example, and includes the following:

[0041] S102, when receiving a resource transfer request initiated based on a target account, parsing the resource transfer request, determining a resource transfer scenario, identification information of a user to which the target account belongs, and a resource type and amount requested to be transferred.

[0042] Among them, a resource transfer request refers to a request initiated by a user to a financial institution to apply for resource transfer. In some cases, a user can initiate a resource transfer request based on a target account overseas, and in other cases, a user can also initiate a resource transfer request based on a target account domestically. The resource transfer request includes the resource transfer scenario, the identification information of the user to whom the target account belongs, and the type and amount of resources requested to be transferred. Therefore, by parsing the resource transfer request, the resource transfer scenario, the identification information of the user to whom the target account belongs, and the type and amount of resources requested to be transferred can be determined.

[0043] Among them, the resource transfer scenario is used to reflect the initiation address of the resource transfer request. For example, when the initiation address matches the domestic address range, it means that the user to which the target account belongs initiates the resource transfer request based on the target account within the country; when the initiation address matches the overseas address range, it means that the user to which the target account belongs initiates the resource transfer request based on the target account overseas. The identification information is used to uniquely identify the user to which the target account belongs. The identification information may include but is not limited to: the user's telephone number, ID number, and email address. The resource type requested to be transferred refers to the currency corresponding to the amount of resources requested to be transferred, and the currencies include but are not limited to: US dollars, euros, and pounds. The amount of resources requested to be transferred refers to the amount corresponding to the type of resources requested to be transferred.

[0044] S104, when the account type of the target account matches the preset account type, the resource transfer scenario matches the preset resource transfer scenario, and the resource type requested to be transferred is inconsistent with the preset resource type, determine a resource type list that matches the identification information.

[0045] The preset account type is used to reflect that the account is a multi-currency account, that is, the user has opened at least two currencies for resource transfer under the account. The preset resource transfer scenario is used to reflect that the initiation address of the resource transfer request is overseas. The preset resource type is used to represent that the currency corresponding to the resource type is US dollars. The currency type represented by the preset resource type can also have other settings, which are not specifically limited in this embodiment.

[0046] The resource type list is used to reflect the currency types that can be used by the user when transferring resources, so that when applying for resource transfer, the user can use the available resources corresponding to resource types other than the preset resource types for resource transfer. The resource type list includes the available resource types when the user to which the target account belongs transfers resources, that is, the user can use each resource type in the resource type list for resource transfer. The resource type list may include the preset resource types or may not include the preset resource types, which is not specifically limited in this embodiment.

[0047] In some embodiments, the preset resource type list can be determined as a resource type list that matches the identification information. That is, the resource type list used by each resource transfer request initiated by the user is the same. Among them, the resource types in the preset resource type list can be commonly used resource types, and the specific content in the preset resource type list can be set according to the actual application scenario, and this embodiment does not make specific limitations.

[0048] S106, based on the comparison result between the resource type list and the resource type requested to be transferred, determine the target resource from the available resources corresponding to the plurality of resource types activated under the target account.

[0049] The activated resource types refer to the resource types activated by the user under the target account for resource transfer, and the available resources refer to the amount of resources available for resource transfer under the target account corresponding to the activated resource types.

[0050] In some embodiments, by determining whether the resource type requested to be transferred is in the resource type list, based on the determination result, the target resource can be determined from the available resources corresponding to the multiple resource types enabled under the target account.

[0051] In one implementation, when the resource type requested to be transferred is in the resource type list, in addition to the resource type requested to be transferred, an activated resource type is randomly selected from multiple activated resource types; when the resource transfer priority of the randomly selected activated resource type is greater than or equal to the resource transfer priority of the resource type requested to be transferred, the available resources corresponding to the randomly selected activated resource type are determined as target resources; when the resource transfer priority of the randomly selected activated resource type is less than the resource transfer priority of the resource type requested to be transferred, the available resources corresponding to the resource type requested to be transferred under the target account are determined as target resources.

[0052] Among them, the greater the resource transfer priority of the enabled resource type, the more available resources corresponding to the enabled resource type. Therefore, by comparing the resource transfer priorities of the randomly selected enabled resource type and the resource type requested to be transferred, the success rate of resource transfer can be improved.

[0053] It should be noted that when comparing the available resources corresponding to two resource types, one of the resource types needs to be used as the benchmark resource type, and the available resources corresponding to the other resource type need to be converted to be consistent with the benchmark resource type, so that the available resources corresponding to the two resource types can be compared under the same resource type, thereby improving the accuracy of comparing resource transfer priorities, and further improving the success rate of resource transfer.

[0054] In some embodiments, when the resource type requested to be transferred is outside the resource type list, user authorization information matching the identification information is obtained; when the user authorization information includes information that the user authorizes the target account to change the resource type requested to be transferred, the available resources corresponding to the activated resource type with the highest resource transfer priority are determined as the target resources from the available resources corresponding to multiple activated resource types under the target account.

[0055] S108, transferring the target resources according to the resource amount.

[0056] When the comparison result between the resource type to which the target resource belongs and the resource type requested to be transferred is different, the implementation method of transferring the target resource is different according to the resource amount.

[0057] In some embodiments, when the resource type to which the target resource belongs is the same as the resource type requested to be transferred, and the target resource is greater than the resource amount, the resources in the target resource that are consistent with the resource amount are transferred to the resource recipient corresponding to the resource amount; when the target resource is equal to the resource amount, all resources in the target resource can be transferred to the resource recipient corresponding to the resource amount.

[0058] In some embodiments, when the resource type of the target resource is the same as the resource type requested to be transferred, and the target resource is less than the resource amount, resource transfer failure information is output to inform the user that the resource transfer request initiated by the user is unsuccessful.

[0059] In some embodiments, when the resource type to which the target resource belongs is different from the resource type requested to be transferred, the target resource is converted according to the resource conversion ratio between the resource type to which the target resource belongs and the resource type requested to be transferred; when the target resource after resource conversion is greater than the resource amount, the resources in the target resource after resource conversion that are consistent with the resource amount can be transferred to the resource recipient corresponding to the resource amount; when the target resource after resource conversion is equal to the resource amount, all resources in the target resource after resource conversion can be transferred to the resource recipient corresponding to the resource amount.

[0060] In some embodiments, when the resource type of the target resource is different from the resource type requested to be transferred, and the target resource after resource conversion is less than the resource amount, resource transfer failure information is output to inform the user that the resource transfer request initiated by the user is unsuccessful.

[0061] Based on the method shown in Figure 1, when a resource transfer request initiated based on a target account is received, the resource transfer scenario, the identification information of the user to which the target account belongs, and the resource type and resource amount requested to be transferred can be determined by parsing the resource transfer request, and when the account type of the target account matches the preset account type, the resource transfer scenario matches the preset resource transfer scenario, and the resource type requested to be transferred is inconsistent with the preset resource type, a list of resource types matching the identification information is obtained, thereby, based on the resource type list, the available resource types for the user to which the target account belongs when performing resource transfer can be set, and then based on the comparison result between the resource type list and the resource type requested to be transferred, the target resource can be determined from the available resources corresponding to multiple enabled resource types under the target account, thereby avoiding the situation where a single resource type is used to process the user's resource transfer request, and the success rate of resource transfer can be improved.

[0062] In one embodiment, based on the comparison result between the resource type list and the resource type requested to be transferred, the target resource (i.e., S106) is determined from the available resources corresponding to each of the multiple resource types activated under the target account, as shown in FIG. 2 , and includes the following steps:

[0063] S202: If the resource type requested to be transferred is in the resource type list, determine the available resources corresponding to the resource type requested to be transferred under the target account.

[0064] Among them, if the resource type requested to be transferred is in the resource type list, it means that the available resource types for the user of the target account when transferring resources include the resource type requested to be transferred. In this case, the available resources corresponding to the resource type requested to be transferred under the target account can be directly used for resource transfer.

[0065] S204: When the determined available resources are less than the resource amount and the multiple enabled resource types include the preset resource type, the available resources corresponding to the enabled resource types consistent with the preset resource types under the target account are determined as target resources.

[0066] Among them, if the determined available resources are less than the resource amount, it means that the available resources corresponding to the resource type requested to be transferred under the target account are insufficient. In this case, when multiple activated resource types include preset resource types, the available resources corresponding to the activated resource types consistent with the preset resource types under the target account are determined as target resources. This allows the resource transfer request to be initiated overseas. Because overseas usually uses the resource amount corresponding to the preset resource type for resource transfer, resource transfer can be performed directly based on the available resources corresponding to the preset resource type under the target account, which can improve the success rate of resource transfer.

[0067] In some embodiments, if the determined available resources are greater than or equal to the resource amount, it means that the available resources corresponding to the resource type requested to be transferred under the target account are sufficient. Then, the available resources corresponding to the resource type requested to be transferred under the target account can be transferred to the resource recipient corresponding to the resource amount according to the resource amount.

[0068] Based on the content of the embodiment shown in Figure 2, if the resource type requested to be transferred is in the resource type list, the available resources corresponding to the resource type requested to be transferred under the target account are determined. Furthermore, when the determined available resources are less than the resource amount and multiple activated resource types include preset resource types, the available resources corresponding to the activated resource types consistent with the preset resource types under the target account are determined as target resources. This allows the resource transfer request to be initiated overseas. Since overseas usually uses the resource amount corresponding to the preset resource type for resource transfer, the resource transfer can be performed directly based on the available resources corresponding to the preset resource type under the target account, which can improve the success rate of resource transfer.

[0069] Based on FIG. 2 , in one embodiment, the implementation method of transferring the target resources (ie, S108 ) according to the resource amount may be as shown in FIG. 3 , including the following steps:

[0070] S302: Perform resource conversion on the target resource based on the resource conversion ratio between the preset resource type and the resource type requested to be transferred.

[0071] The resource conversion ratio is used to represent the exchange rate between the preset resource type and the resource type requested to be transferred. For example, if the preset resource type is US dollars and the resource type requested to be transferred is euros, the resource conversion ratio refers to the exchange rate between US dollars and euros.

[0072] In some embodiments, a resource conversion ratio mapping table may be obtained, the resource conversion ratio mapping table including resource conversion ratios between different resource types, so that based on the resource conversion ratio mapping table, the resource conversion ratio between a preset resource type and a resource type requested to be transferred may be obtained.

[0073] In some cases, the resource conversion ratio mapping table may be updated at preset time intervals so that the resource conversion ratios between different resource types in the updated resource conversion ratio mapping table are consistent with the actual resource conversion ratios.

[0074] Among them, the preset duration is less than or equal to 24 hours. The specific value of the preset duration and the specific value of the resource conversion ratio in the resource conversion ratio mapping table can be configured based on the actual application scenario, and this embodiment does not make specific limitations.

[0075] S304: If the target resource after the resource conversion is less than the resource amount, determine an associated storage account that matches the identification information.

[0076] If the target resource after resource conversion is less than the resource amount, it means that the target resource after resource conversion is insufficient. Then, by determining the associated storage account matching the identification information, the resource transfer processing for the resource transfer request can be realized based on the available resources under the associated storage account and / or the target resource after resource conversion. The associated storage account refers to an account opened by the user to which the target account belongs that is different from the target account.

[0077] S306, when the user authorizes account transfer for available resources under the associated storage account, the available resources under the associated storage account are transferred to the target account according to the resource difference between the resource amount and the target resource after the resource conversion.

[0078] In some embodiments, when the account type of the associated storage account matches the preset account type, and the activated resource types under the associated storage account include the resource type requested to be transferred, the available resources corresponding to the resource type requested to be transferred under the associated storage account are determined; when the determined available resources are greater than or equal to the resource difference, the resources in the determined available resources that are consistent with the resource difference are determined as the available resources to be transferred to the target account; when the determined available resources are less than the resource difference, resource transfer failure information is output to inform the user that the resource transfer to the target account has failed.

[0079] In some embodiments, when the account type of the associated storage account matches the preset account type, and the activated resource types under the associated storage account do not include the resource type requested to be transferred, resource conversion is performed on any activated resource type based on the resource conversion ratio between any activated resource type under the associated storage account and the resource type requested to be transferred; and the resources in the available resources corresponding to any activated resource type after the resource conversion that are consistent with the resource difference are determined as the available resources to be transferred to the target account.

[0080] In some embodiments, when the account type of the associated storage account does not match the preset account type, the available resources under the associated storage account are converted based on the resource conversion ratio between the resource type to which the available resources under the associated storage account belong and the resource type requested to be transferred; the resources in the available resources after the resource conversion that are consistent with the resource difference are determined as the available resources to be transferred to the target account.

[0081] In some cases, the number of associated storage accounts may be one, and in other cases, the number of associated storage accounts may be multiple, and any one of the multiple associated storage accounts may be selected to perform S306, that is, the interaction process with the target account is performed based on the arbitrarily selected associated storage account.

[0082] S308, transferring the target resources after resource conversion and the available resources transferred into the target account according to the resource amount.

[0083] Among them, the sum of the target resources after resource conversion and the available resources transferred to the target account (i.e., the resource difference) is the resource amount. Therefore, by transferring all the target resources after resource conversion and the available resources transferred to the target account to the resource recipient corresponding to the resource amount, resource transfer processing for the resource transfer request can be realized.

[0084] Based on the embodiment shown in Figure 3, when the available resources corresponding to the preset resource type under the target account are insufficient for resource transfer, by transferring resources from the associated storage account that matches the identification information to the target account, it is possible to avoid directly outputting resource transfer failure information due to insufficient available resources corresponding to the preset resource type under the target account, thereby improving the success rate of resource transfer.

[0085] Based on the content shown in FIG. 3 , it can be known that by transferring resources from the associated storage account that matches the identification information to the target account, the resource transfer processing for the resource transfer request can be implemented. In some embodiments, when the user authorizes the resource transfer processing for the available resources under the associated storage account, the available resources under the associated storage account are transferred according to the resource amount. That is, when the target resources after the resource conversion under the target account are less than the resource amount, the available resources under the associated storage account can be directly used for resource transfer, and the available resources under the target account are no longer used for resource transfer. Thus, by omitting the resource transfer process between the two accounts, the efficiency and security of resource transfer can be improved.

[0086] Based on the content shown in Figure 3, it can be known that if the target resource after the resource conversion under the target account is less than the resource amount, the resource transfer processing for the resource transfer request can be implemented based on the available resources under the associated storage account matching the identification information. In some embodiments, the resource transfer processing for the resource transfer request can also be implemented based on the available resources corresponding to other resource types under the target account.

[0087] As shown in FIG4 , a resource transfer processing method is provided, which is exemplified by taking the method applied to a processor in a resource transfer processing system as an example, and may include the following steps:

[0088] S402: If the target resource after resource conversion is less than the resource amount, then determine an enabled resource type with the highest resource transfer priority from a plurality of enabled resource types in addition to the preset resource type and the resource type requested for transfer.

[0089] Among them, the greater the resource transfer priority of the enabled resource type, the more available resources corresponding to the enabled resource type. Therefore, in addition to the preset resource types and the resource types requested for transfer, by comparing the available resources corresponding to the remaining enabled resource types, the enabled resource type with the highest resource transfer priority can be determined.

[0090] S404, when the user authorizes resource conversion for available resources under the target account, based on the resource conversion ratio between the determined activated resource type and the resource type requested to be transferred, resource conversion is performed on the available resources corresponding to the determined activated resource type.

[0091] In some embodiments, the resource difference between the resource amount and the target resource after resource conversion can be determined, and based on the resource difference, the available resources corresponding to the determined activated resource type are converted so that the available resources after resource conversion are the same as the resource difference.

[0092] In some cases, all available resources corresponding to the determined activated resource types may be converted based on the resource conversion ratio between the determined activated resource types and the resource types requested to be transferred.

[0093] S406, transferring the target resources after resource conversion and the available resources after resource conversion according to the resource amounts.

[0094] In some embodiments, when the available resources after resource conversion are the same as the resource difference, resource transfer processing for the resource transfer request can be achieved by transferring all the target resources after resource conversion and the available resources after resource conversion to the resource recipient corresponding to the resource amount.

[0095] In some embodiments, when all available resources corresponding to the determined activated resource types are converted, resource transfer processing for the resource transfer request can be achieved by transferring the target resources after the resource conversion and the resources in the available resources after the resource conversion that are consistent with the resource difference to the resource recipient corresponding to the resource amount.

[0096] Based on the content of the embodiment shown in Figure 4, if the target resources after the resource conversion under the target account are less than the resource amount, the resource transfer processing for the resource transfer request can be implemented based on the available resources corresponding to other resource types under the target account. Therefore, by avoiding the resource interaction process between the two accounts, the efficiency and security of resource transfer can be improved.

[0097] In one embodiment, based on the comparison result between the resource type list and the resource type requested to be transferred, the target resource (i.e., S106) is determined from the available resources corresponding to each of the multiple resource types activated under the target account, as shown in FIG. 5, and includes the following steps:

[0098] S502, when the resource type requested to be transferred is in the resource type list and the resource transfer priority of the resource type requested to be transferred is greater than or equal to the preset priority, the available resources corresponding to the resource type requested to be transferred under the target account are determined as target resources.

[0099] Among them, if the resource type requested to be transferred is in the resource type list, it means that the available resource types for the user of the target account to transfer resources include the resource type requested to be transferred, and the available resources corresponding to the resource type requested to be transferred under the target account can be directly used for resource transfer. Moreover, if the resource transfer priority of the resource type requested to be transferred is greater than or equal to the preset priority, it can be shown that the available resources corresponding to the resource type requested to be transferred under the target account are sufficient, and when the resource transfer is performed based on the available resources, the success rate of the resource transfer can be improved.

[0100] When the available resources are greater than or equal to the resource threshold, it can be determined that the resource transfer priority of the resource type to which the available resources belong is greater than or equal to the preset priority.

[0101] S504, when the resource transfer priority of the resource type requested to be transferred is lower than the preset priority, based on the resource transfer priorities of multiple enabled resource types, the available resources corresponding to the resource transfer priorities greater than or equal to the preset priority are determined as target resources.

[0102] Among them, when the resource type requested to be transferred is in the resource type list, and the resource transfer priority of the resource type requested to be transferred is less than the preset priority, it can be explained that the available resources corresponding to the resource type requested to be transferred under the target account may be insufficient, and when the resource transfer is performed based on the available resources, the failure rate of the resource transfer will be increased. Furthermore, by determining the available resources corresponding to the resource transfer priority greater than or equal to the preset priority as the target resource, the success rate of the resource transfer can be increased when the resource transfer is performed based on the target resource.

[0103] In some cases, when the number of resource transfer priorities greater than or equal to the preset priority is one, the available resource corresponding to the resource type where the resource transfer priority is located is directly determined as the target resource. In other cases, when the number of resource transfer priorities greater than or equal to the preset priority is multiple, the available resource corresponding to the resource type where a randomly selected resource transfer priority is located can be determined as the target resource.

[0104] Based on the content of the embodiment shown in Figure 5, when the resource type requested to be transferred is in the resource type list, different methods can be used to determine the target resource by comparing the resource transfer priority of the resource type requested to be transferred with the preset priority. Therefore, when the resource transfer is performed based on the target resource, the success rate of the resource transfer can be improved.

[0105] In combination with the above content, it can be known that the above content is the relevant processing process when the resource type requested to be transferred is in the resource type list. In one embodiment, if the resource type requested to be transferred is outside the resource type list, and multiple activated resource types include preset resource types, then the available resources corresponding to the activated resource types consistent with the preset resource types under the target account are determined as target resources. Thus, in the case where the initiation address for the resource transfer request is overseas, and because overseas usually uses the resource amount corresponding to the preset resource type for resource transfer, by determining the available resources corresponding to the preset resource type under the target account as the target resource, and then transferring resources based on the target resource, the success rate of resource transfer can be improved. Furthermore, the implementation content of transferring the available resources corresponding to the preset resource type under the target account according to the resource amount can refer to the adaptation description of the aforementioned content, and will not be repeated here.

[0106] In one embodiment, when the account type of the target account matches the preset account type, the resource transfer scenario matches the preset resource transfer scenario, and the resource type requested to be transferred is consistent with the preset resource type, the available resources corresponding to the preset resource type under the target account are determined as target resources, and then the available resources corresponding to the preset resource type under the target account are transferred according to the resource amount. The implementation content can refer to the aforementioned content adaptation description and will not be repeated here.

[0107] In one embodiment, the implementation method of obtaining a list of resource types matching the identification information may be as shown in FIG6 , including the following steps:

[0108] S602, obtaining historical transfer information matching the identification information, where the historical transfer information includes the historical usage count of each resource type when the user to which the target account belongs performs resource transfer.

[0109] In some cases, the historical usage count of each resource type can be counted from multiple accounts opened by the user to which the target account belongs. In other cases, a candidate account matching the preset account type can be determined from multiple accounts opened by the user to which the target account belongs, and the historical usage count of each resource type can be counted based on the candidate account.

[0110] S604 , after sorting the historical usage times in the historical transfer information in descending order, obtain a resource type list matching the identification information based on the first N resource types in the historical transfer information.

[0111] In some cases, the first N resource types can be used as resource types in the resource type list. In other cases, the first M resource types with the most historical usage times of multiple users can be counted, and the first N resource types and the first M resource types can be used as resource types in the resource type list.

[0112] Based on the content of the embodiment shown in Figure 6, by obtaining historical transfer information that matches the identification information, when a resource type list that matches the identification information is obtained based on the historical transfer information, the resource types in the obtained resource type list match the user's actual resource type usage, so that when resource transfer processing is performed based on the resource type list, the success rate of resource transfer can be improved.

[0113] In combination with the above content, in one embodiment, taking the preset resource type as US dollars and the preset resource transfer scenario for reflecting that the initiation address of the resource transfer request is overseas as an example, as shown in FIG. 7, a resource transfer processing method is provided, and an exemplary description is given by taking the method applied to a processor in a resource transfer processing system as an example, including the following steps:

[0114] S702, when receiving a resource transfer request initiated based on a target account, parsing the resource transfer request, determining a resource transfer scenario, identification information of a user to which the target account belongs, and a type and amount of resources requested to be transferred.

[0115] S704: Determine whether the account type of the target account matches the preset account type, and whether the resource transfer scenario matches the preset resource transfer scenario.

[0116] S706: Determine whether the resource type requested to be transferred is US dollars.

[0117] If the resource type requested to be transferred is US dollars, S708 is executed, otherwise S712 is executed.

[0118] S708, determining whether the amount of US dollars in the target account is sufficient.

[0119] If the amount of USD in the target account is sufficient, S710 is executed; otherwise, S718 is executed.

[0120] S710, transferring resources corresponding to the amount of US dollars in the target account according to the amount of resources.

[0121] S712: Determine whether the resource type requested to be transferred is in the resource type list that matches the identification information.

[0122] If the resource type requested to be transferred is in the resource type list matching the identification information, S714 is executed; otherwise, S708 is executed.

[0123] S714, determining whether the amount corresponding to the resource type requested to be transferred under the target account is sufficient.

[0124] If the amount corresponding to the resource type requested to be transferred under the target account is sufficient, S716 is executed, otherwise S718 is executed.

[0125] S716, according to the resource amount, transfer the resources for the amount corresponding to the resource type requested to be transferred under the target account.

[0126] S718, output resource transfer failure information.

[0127] Among them, the specific content of S702-S718 can be adapted to the description based on the above content and will not be repeated here.

[0128] It should be understood that, although the various steps in the flowcharts involved in the above-mentioned embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps does not have a strict order restriction, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-mentioned embodiments can include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.

[0129] Based on the same inventive concept, the embodiment of the present application also provides a resource transfer processing device for implementing the resource transfer processing method involved above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations in one or more resource transfer processing device embodiments provided below can refer to the limitations on the resource transfer processing method above, and will not be repeated here.

[0130] In an exemplary embodiment, as shown in FIG8 , a resource transfer processing device is provided, comprising: a parsing module 802, an acquisition module 804, a determination module 806 and a processing module 808, wherein: the parsing module 802 is used to parse the resource transfer request to determine the identification information of the user to which the target account belongs, and the resource type and resource amount requested to be transferred when receiving a resource transfer request initiated based on a target account; the acquisition module 804 is used to obtain a resource type list matching the identification information when the account type of the target account matches the preset account type and the resource type requested to be transferred is inconsistent with the preset resource type; wherein the resource type list includes the available resource types when the user to which the target account belongs performs resource transfer; the determination module 806 is used to determine the target resource from the available resources corresponding to each of the multiple resource types that have been enabled under the target account based on the comparison result between the resource type list and the resource type requested to be transferred; the processing module 808 is used to transfer the target resource according to the resource amount.

[0131] In one embodiment, the determination module 806 includes: a first resource determination unit, which is used to determine the available resources corresponding to the resource type requested to be transferred under the target account if the resource type requested to be transferred is in the resource type list; and a second resource determination unit, which is used to determine the available resources corresponding to the activated resource type consistent with the preset resource type under the target account as the target resources when the determined available resources are less than the resource amount and the multiple activated resource types include the preset resource type.

[0132] In one embodiment, the processing module 808 includes: a first resource conversion unit, used to perform resource conversion on the target resource based on the resource conversion ratio between the preset resource type and the resource type requested to be transferred; an account determination unit, used to determine the associated storage account matching the identification information if the target resource after resource conversion is less than the resource amount; a resource transfer unit, used to transfer the available resources under the associated storage account to the target account according to the resource difference between the resource amount and the target resource after resource conversion when the user authorizes account transfer for the available resources under the associated storage account; the first resource transfer unit, used to perform resource transfer on the target resource after resource conversion and the available resources transferred to the target account according to the resource amount.

[0133] In one embodiment, the processing module 808 further includes: a transfer processing unit, configured to transfer the available resources under the associated storage account according to the resource amount when the user authorizes resource transfer processing for the available resources under the associated storage account.

[0134] In one embodiment, the processing module 808 also includes: a resource type determination unit, which is used to determine the activated resource type with the highest resource transfer priority from the multiple activated resource types, except for the preset resource type and the resource type requested to be transferred, if the target resource after resource conversion is less than the resource amount; wherein, the greater the resource transfer priority of the activated resource type, the more available resources corresponding to the activated resource type; a second resource conversion unit, which is used to perform resource conversion on the available resources corresponding to the determined activated resource type based on the resource conversion ratio between the determined activated resource type and the resource type requested to be transferred when the user authorizes resource conversion for the available resources under the target account; and a second resource transfer unit, which is used to perform resource transfer on the target resource after resource conversion and the available resources after resource conversion according to the resource amount.

[0135] In one embodiment, the determination module 806 also includes: a third resource determination unit, which is used to determine the available resources corresponding to the resource type requested to be transferred under the target account as target resources when the resource type requested to be transferred is in the resource type list and the resource transfer priority of the resource type requested to be transferred is greater than or equal to the preset priority; and a fourth resource determination unit, which is used to determine the available resources corresponding to the resource transfer priority greater than or equal to the preset priority as target resources based on the resource transfer priorities of each of the multiple enabled resource types when the resource transfer priority of the resource type requested to be transferred is less than the preset priority.

[0136] In one embodiment, the determination module 806 also includes: a fifth resource determination unit, which is used to determine the available resources corresponding to the activated resource types consistent with the preset resource types under the target account as target resources if the resource type requested to be transferred is outside the resource type list and the multiple activated resource types include the preset resource type.

[0137] In one embodiment, the acquisition module 804 also includes: an information acquisition unit, used to obtain historical transfer information matching the identification information, the historical transfer information including the historical usage counts of each resource type when the user to which the target account belongs performs resource transfers; a list determination unit, used to obtain a list of resource types matching the identification information based on the first N resource types in the historical transfer information, while sorting the historical usage counts in the historical transfer information in descending order.

[0138] Each module in the resource transfer processing device can be implemented in whole or in part by software, hardware, or a combination thereof. Each module can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute operations corresponding to each module.

[0139] In an exemplary embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be shown in FIG9. The computer device includes a processor, a memory, an input / output interface (Input / Output, referred to as I / O) and a communication interface. The processor, the memory and the input / output interface are connected via a system bus, and the communication interface is connected to the system bus via the input / output interface. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store data such as resource transfer requests. The input / output interface of the computer device is used to exchange information between the processor and an external device. The communication interface of the computer device is used to communicate with an external terminal via a network connection. When the computer program is executed by the processor, a resource transfer processing method is implemented.

[0140] Those skilled in the art will understand that the structure shown in FIG. 9 is merely a block diagram of a partial structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different arrangement of components.

[0141] In one embodiment, a computer device is further provided, including a memory and a processor, wherein a computer program is stored in the memory, and the processor implements the steps in the above-mentioned method embodiments when executing the computer program.

[0142] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps in the above-mentioned method embodiments are implemented.

[0143] In one embodiment, a computer program product is provided, including a computer program, which implements the steps in the above method embodiments when executed by a processor.

[0144] A person of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiment method can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in the present application can include at least one of non-volatile memory and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, an artificial intelligence (AI) processor, etc., but are not limited to this.

[0145] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this application.

[0146] The above-described embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A resource transfer processing method, characterized in that: The method comprises: When receiving a resource transfer request initiated based on a target account, parsing the resource transfer request, determining a resource transfer scenario, identification information of a user to which the target account belongs, and a type and amount of resources requested to be transferred; When the account type of the target account matches the preset account type, the resource transfer scenario matches the preset resource transfer scenario, and the resource type requested to be transferred is inconsistent with the preset resource type, obtaining a resource type list matching the identification information; wherein the resource type list includes available resource types when the user to which the target account belongs performs resource transfer; Based on the comparison result between the resource type list and the resource type requested to be transferred, determining the target resource from the available resources corresponding to each of the multiple resource types activated under the target account; According to the resource amount, the target resource is transferred.

2. The method according to claim 1, characterized in that The step of determining the target resource from available resources corresponding to each of a plurality of resource types activated under the target account based on the comparison result between the resource type list and the resource type requested to be transferred includes: If the resource type requested to be transferred is in the resource type list, obtain available resources corresponding to the resource type requested to be transferred under the target account; When the acquired available resources are less than the resource amount and the multiple activated resource types include the preset resource type, the available resources corresponding to the activated resource type consistent with the preset resource type under the target account are determined as target resources.

3. The method according to claim 2, characterized in that The transferring of the target resource according to the resource amount includes: Based on the resource conversion ratio between the preset resource type and the resource type requested to be transferred, performing resource conversion on the target resource; If the target resource after resource conversion is less than the resource amount, determining an associated storage account matching the identification information; In the case where the user authorizes account transfer for available resources under the associated storage account, the available resources under the associated storage account are transferred to the target account according to the resource difference between the resource amount and the target resource after resource conversion; According to the resource amount, the target resources after resource conversion and the available resources transferred into the target account are transferred.

4. The method according to claim 3, characterized in that The method further comprises: In the case where the user authorizes resource transfer processing for the available resources under the associated storage account, the available resources under the associated storage account are transferred according to the resource amount.

5. The method according to claim 3, characterized in that: The method further comprises: If the target resource after resource conversion is less than the resource amount, then, in addition to the preset resource type and the resource type requested to be transferred, determine the enabled resource type with the highest resource transfer priority from the multiple enabled resource types; wherein the greater the resource transfer priority of the enabled resource type, the more available resources corresponding to the enabled resource type; In the case where the user authorizes resource conversion for the available resources under the target account, based on the resource conversion ratio between the determined activated resource type and the resource type requested to be transferred, performing resource conversion on the available resources corresponding to the determined activated resource type; According to the resource amount, resource transfer is performed on the target resource after resource conversion and the available resource after resource conversion.

6. The method according to claim 1, characterized in that The step of determining the target resource from available resources corresponding to each of a plurality of resource types activated under the target account based on the comparison result between the resource type list and the resource type requested to be transferred includes: When the resource type requested to be transferred is in the resource type list and the resource transfer priority of the resource type requested to be transferred is greater than or equal to the preset priority, the available resources corresponding to the resource type requested to be transferred under the target account are determined as target resources; When the resource transfer priority of the resource type requested to be transferred is lower than the preset priority, based on the resource transfer priorities of the multiple enabled resource types, the available resources corresponding to the resource transfer priorities greater than or equal to the preset priority are determined as target resources.

7. The method according to claim 1, characterized in that The step of determining the target resource from available resources corresponding to each of a plurality of resource types activated under the target account based on the comparison result between the resource type list and the resource type requested to be transferred includes: If the resource type requested to be transferred is outside the resource type list and the multiple activated resource types include the preset resource type, the available resources corresponding to the activated resource types consistent with the preset resource type under the target account are determined as target resources.

8. The method according to any one of claims 1 to 7, characterized in that: The obtaining of a list of resource types matching the identification information includes: Obtaining historical transfer information matching the identification information, the historical transfer information including the historical usage count of each resource type when the user to which the target account belongs performs resource transfer; When the historical usage times in the historical transfer information are sorted in descending order, a resource type list matching the identification information is obtained based on the first N resource types in the historical transfer information.

9. A resource transfer processing device, characterized in that: The device comprises: A parsing module, configured to, when receiving a resource transfer request initiated based on a target account, parse the resource transfer request to determine a resource transfer scenario, identification information of a user to which the target account belongs, and a type and amount of resources requested to be transferred; an acquisition module, configured to obtain a resource type list matching the identification information when the account type of the target account matches the preset account type, the resource transfer scenario matches the preset resource transfer scenario, and the resource type requested to be transferred is inconsistent with the preset resource type; wherein the resource type list includes the available resource types when the user to which the target account belongs performs resource transfer; A determination module, configured to determine a target resource from available resources corresponding to each of a plurality of activated resource types under the target account based on a comparison result between the resource type list and the resource type requested to be transferred; The processing module is used to transfer the target resources according to the resource amount.

10. The device according to claim 9, characterized in that The determination module comprises: A first resource determination unit, configured to determine available resources corresponding to the resource type requested to be transferred under the target account if the resource type requested to be transferred is in the resource type list; The second resource determination unit is used to determine the available resources corresponding to the activated resource types consistent with the preset resource types under the target account as target resources when the determined available resources are less than the resource amount and the multiple activated resource types include the preset resource type.

11. The device according to claim 10, characterized in that The processing module comprises: A first resource conversion unit, configured to perform resource conversion on the target resource based on a resource conversion ratio between the preset resource type and the resource type requested to be transferred; An account determination unit, configured to determine an associated storage account matching the identification information if the target resource after resource conversion is less than the resource amount; a resource transfer unit, configured to transfer the available resources under the associated storage account to the target account according to the resource difference between the resource amount and the target resource after the resource conversion, when the user authorizes account transfer for the available resources under the associated storage account; The first resource transfer unit is used to transfer the target resources after resource conversion and the available resources transferred into the target account according to the resource amount.

12. The device according to claim 11, characterized in that The processing module also includes: The transfer processing unit is used to transfer the available resources under the associated storage account according to the resource amount when the user authorizes the resource transfer processing for the available resources under the associated storage account.

13. The device according to claim 11, characterized in that The processing module also includes: a resource type determination unit, configured to determine, if the target resource after the resource conversion is less than the resource amount, an enabled resource type with the highest resource transfer priority from the multiple enabled resource types, except for the preset resource type and the resource type requested to be transferred; wherein the greater the resource transfer priority of the enabled resource type, the more available resources corresponding to the enabled resource type; A second resource conversion unit is configured to, when the user authorizes resource conversion for the available resources under the target account, perform resource conversion on the available resources corresponding to the determined activated resource type based on the resource conversion ratio between the determined activated resource type and the resource type requested to be transferred; The second resource transfer unit is used to transfer the target resource after resource conversion and the available resource after resource conversion according to the resource amount.

14. The device according to claim 9, characterized in that The determination module also includes: A third resource determination unit, configured to determine, as target resources, available resources corresponding to the resource type requested to be transferred under the target account when the resource type requested to be transferred is in the resource type list and the resource transfer priority of the resource type requested to be transferred is greater than or equal to a preset priority; The fourth resource determination unit is used to determine the available resources corresponding to the resource transfer priorities greater than or equal to the preset priority as target resources based on the resource transfer priorities of the multiple enabled resource types when the resource transfer priority of the resource type requested to be transferred is lower than the preset priority.

15. The device according to claim 9, characterized in that The determination module also: The fifth resource determination unit is used to determine the available resources corresponding to the activated resource types consistent with the preset resource types under the target account as target resources if the resource type requested to be transferred is outside the resource type list and the multiple activated resource types include the preset resource type.

16. The device according to any one of claims 9 to 15, characterized in that The acquisition module also includes: An information acquisition unit, configured to obtain historical transfer information matching the identification information, wherein the historical transfer information includes a historical usage count of each resource type when a user belonging to the target account performs resource transfer; The list determination unit is used to obtain a resource type list matching the identification information based on the first N resource types in the historical transfer information, while sorting the historical usage times in the historical transfer information in descending order.

17. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 8 are implemented.

18. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 8 are implemented.

19. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 8 are implemented.

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