Account transfer method and device, electronic equipment, storage medium and program product

Abstract

The invention provides an account transfer method and device, electronic equipment, a storage medium and a program product, and can be applied to the field of data processing. The method comprises the following steps: receiving a first transfer request sent by a payer based on a first terminal device, and obtaining an identifier of a payee specified by the payer according to the first transfer request; determining account information of a target financial card specified by the payee according to the identifier; determining a second transfer request according to the first transfer request and the account information, wherein the second transfer request comprises the account information and a target amount of money requested to be transferred by the payer; and sending the second transfer request to the target terminal, so that the target terminal transfers the target amount of money in the account of the payer to an account corresponding to the account information. According to the invention, the collection process of the payee is simplified.

Description

Technical Field

[0001] The present application relates to the field of data processing, and in particular to a transfer method, device, electronic device, storage medium and program product. Background Art

[0002] With the development of network technology, users can transfer money online.

[0003] In the exemplary technology, because the account number of the payee's bank card is difficult to obtain, complicated to input, and there is a risk of information leakage, the payer usually chooses to enter the payee's mobile phone number or other alias to transfer money. The amount transferred by the payer will be transferred to the payee's highest priority bank card account by default.

[0004] However, the account number of the highest priority bank card is not necessarily the account that the payee wishes to use to receive payment, which results in the payee having to perform a transfer operation to transfer the incoming funds to the account designated by the payee, resulting in the payee's payment collection operation process being complicated. Summary of the invention

[0005] The present application provides a transfer method, device, electronic device, storage medium and program product, which solves the problem of complicated payment operation procedures for the payee.

[0006] In a first aspect, the present application provides a transfer method, the method comprising:

[0007] receiving a first transfer request sent by a payer based on a first terminal device, and acquiring an identifier of a payee designated by the payer according to the first transfer request;

[0008] Determining the account information of the target financial card designated by the payee according to the identifier;

[0009] Determine a second transfer request according to the first transfer request and the account information, wherein the second transfer request includes the account information and the target amount requested to be transferred by the payer;

[0010] The second transfer request is sent to the target terminal, so that the target terminal transfers the target amount in the account of the payer to the account corresponding to the account information.

[0011] In some embodiments, determining the account information of the target financial card designated by the payee according to the identifier includes:

[0012] Determine the second terminal device associated with the payee according to the identifier, and generate a data acquisition request according to the first transfer request;

[0013] Sending the data acquisition request to the second terminal device;

[0014] Receive the account information of the target financial card fed back by the second terminal device based on the data acquisition request.

[0015] In some embodiments, determining the account information of the target financial card designated by the payee according to the identifier includes:

[0016] Obtaining configuration information associated with the identifier;

[0017] The account information of the target financial card designated by the payee is determined according to the configuration information.

[0018] In some embodiments, determining the account information of the target financial card designated by the payee according to the configuration information includes:

[0019] Determine the payment account of the payer according to the first transfer request, and obtain a target mapping relationship from the configuration information, wherein the target mapping relationship is an association relationship between the type of the payment account and the target financial card of the payee;

[0020] The account information of the target financial card designated by the payee is determined according to the type of the payment account and the target mapping relationship.

[0021] In some embodiments, acquiring the target mapping relationship from the configuration information includes:

[0022] Determining the close relationship between the payer and the payee;

[0023] Among the multiple mapping relationships in the configuration information, determine the mapping relationship matched by the intimate relationship as the target mapping relationship.

[0024] In some embodiments, determining the account information of the target financial card designated by the payee according to the configuration information includes:

[0025] Acquire historical transfer record information of the payer according to the first transfer request;

[0026] Determine the cumulative number of transfers between the payer and the payee according to the historical transfer record information, and determine a target interval for the cumulative number of transfers;

[0027] In the configuration information, the account information associated with the target interval is obtained as the account information of the target financial card designated by the payee.

[0028] In some embodiments, determining the account information of the target financial card designated by the payee according to the identifier includes:

[0029] Acquire the historical payment record information of the payee according to the identifier;

[0030] Determining the payment frequency of each bank card in the payee according to the historical payment record information;

[0031] The account information of the financial card corresponding to the target payment collection frequency is determined as the account information of the target financial card designated by the payee, wherein the target payment collection frequency is the payment collection frequency greater than the preset frequency.

[0032] In some embodiments, determining the second transfer request according to the first transfer request and the account information includes:

[0033] Sending the account information to the first terminal device;

[0034] Receive a second transfer request fed back by the first terminal device based on the account information.

[0035] In a second aspect, the present application provides a transfer device, comprising:

[0036] A receiving module, configured to receive a first transfer request sent by a payer based on a first terminal device, and obtain an identifier of a payee designated by the payer according to the first transfer request;

[0037] A first determining module, configured to determine the account information of the target financial card designated by the payee according to the identifier;

[0038] A second determining module, configured to determine a second transfer request according to the first transfer request and the account information, wherein the second transfer request includes the account information and a target amount requested to be transferred by the payer;

[0039] A sending module is used to send the second transfer request to the target terminal, so that the target terminal transfers the target amount of the account in the payer to the account corresponding to the account information.

[0040] In a third aspect, the present application provides an electronic device, comprising: a processor, and a memory and a communication interface communicatively connected to the processor;

[0041] The communication interface is used to communicate with other communication devices;

[0042] The memory is used to store computer-executable instructions;

[0043] The processor is used to execute the computer-executable instructions stored in the memory to implement the transfer method provided in the first aspect.

[0044] In a fourth aspect, the present application provides a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, the transfer method provided in the first aspect is implemented.

[0045] In a fifth aspect, the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the transfer method provided in the first aspect.

[0046] The transfer method, device, electronic device, storage medium and program product provided by the present application receive a first transfer request sent by the payee based on the terminal device, obtain the identifier of the payee specified by the payee according to the first transfer request, determine the account information of the target financial card specified by the payee based on the identifier, and determine the second transfer request containing the target financial and account information requested by the payee through the first transfer request and the account information, and then send the second transfer request to the target terminal, so that the target terminal transfers the target amount in the payee's account to the account corresponding to the account information. In the present application, based on the payee's first transfer request, the account information of the target financial card specified by the payee is automatically determined, so that the amount transferred by the payee can be transferred to the account of the financial card desired by the payee, avoiding the payee from performing the transfer operation again, simplifying the payee's collection process, and improving the payee's user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0047] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0048] Figure 1 This is a schematic diagram of the scenarios involved in the transfer method for this application;

[0049] Figure 2 The following is a schematic diagram of the steps of the transfer method provided in the embodiment of the present application. Figure 1 ;

[0050] Figure 3 The following is a schematic diagram of the steps of the transfer method provided in the embodiment of the present application. Figure 2 ;

[0051] Figure 4 The following is a schematic diagram of the steps of the transfer method provided in the embodiment of the present application. Figure 3 ;

[0052] Figure 5 The following is a schematic diagram of the steps of the transfer method provided in the embodiment of the present application. Figure 4 ;

[0053] Figure 6 The following is a schematic diagram of the steps of the transfer method provided in the embodiment of the present application. Figure 5 ;

[0054] Figure 7 The following is a schematic diagram of the steps of the transfer method provided in the embodiment of the present application. Figure 6 ;

[0055] Figure 8 A schematic diagram of a program module of a transfer device provided in an embodiment of the present application;

[0056] Fig. 9 A schematic diagram of the hardware structure of an electronic device provided in an embodiment of the present application.

[0057] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0058] In order to make the purpose, technical scheme and advantages of the embodiments of the present application clearer, the technical scheme in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, rather than all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present application. In addition, although the disclosure in the present application is introduced according to one or several exemplary examples, it should be understood that each aspect of these disclosures can also constitute a complete implementation method separately.

[0059] It should be noted that the brief description of terms in this application is only for the convenience of understanding the embodiments described below, and is not intended to limit the embodiments of this application. Unless otherwise specified, these terms should be understood according to their common and usual meanings.

[0060] In addition, the terms "include" and "have" and any variations thereof are intended to cover but not exclude inclusion, for example, a product or device comprising a list of components is not necessarily limited to those components expressly listed but may include other components not expressly listed or inherent to such products or devices.

[0061] The term "module" used in the embodiments of the present application refers to any known or later developed hardware, software, firmware, artificial intelligence, fuzzy logic, or a combination of hardware and / or software code that can perform the functions associated with the element.

[0062] 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 laws, regulations and standards, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0063] With the development of network technology, users can transfer money online.

[0064] In the exemplary technology, because the account number of the payee's bank card is difficult to obtain, complicated to input, and there is a risk of information leakage, the payer usually chooses to enter the payee's mobile phone number or other alias to transfer money. The amount transferred by the payer will be transferred to the payee's highest priority bank card account by default.

[0065] The inventor of the present application discovered that the account number of the highest priority bank card is not necessarily the account that the payee wishes to use to receive payment, which results in the payee having to perform a transfer operation to transfer the incoming funds to the account designated by the payee, resulting in the payee having to perform a complicated payment operation process.

[0066] The inventor of the present application therefore conceived of automatically determining the account information of the target financial card designated by the payee based on the payee's first transfer request, so that the amount transferred by the payee can be transferred to the account of the financial card desired by the payee, thereby avoiding the payee from performing transfer operations again, simplifying the payee's payment process, and improving the payee's user experience.

[0067] Reference Figure 1 , Figure 1 Schematic diagram of the application scenario of the transfer method of the present application. The transfer device 100 receives a first transfer request sent by the payer based on the first terminal device 200. The transfer device 100 obtains the identifier of the payee specified by the payer from the first transfer request, and then determines the account information of the target financial card specified by the payee based on the identifier. Based on the first account request and the account information, a second transfer request including the account information and the target amount requested to be transferred by the payer is determined. The transfer device 100 then sends the second transfer request to the target terminal 300. Based on the second transfer request, the target terminal 300 transfers the target amount in the first account of the payer to the second account of the payee, and the target terminal 300 sends a prompt message to the second terminal device 400 of the payee to prompt the payee that the transfer is successful.

[0068] The following Figure 1The technical solutions shown in the present application are described in detail in conjunction with specific embodiments. It should be noted that the following embodiments can exist independently or in combination with each other, and the same or similar contents will not be described repeatedly in different embodiments.

[0069] Reference Figure 2 , Figure 2 The process diagram of the transfer method provided in the embodiment of this application is as follows Figure 1 , transfer methods include:

[0070] Step S201: receiving a first transfer request sent by a payer based on a first terminal device, and obtaining an identifier of a payee designated by the payer according to the first transfer request.

[0071] In this embodiment, the execution subject is a transfer device. For the convenience of description, the term "device" is used to refer to the transfer device. The device can be a server or any terminal device with a transfer processing function.

[0072] In this embodiment, the user who needs to transfer money is defined as the payer, and the user who receives the transfer amount from the payer is defined as the payee. When the payer needs to transfer money, he opens the transfer application on the terminal device, and the device is a physical device or a virtual device in the background of the transfer application. The terminal device of the payer is defined as the first terminal device. After the first terminal device runs the transfer application, the transfer interface is displayed. The payer can enter the payee's identifier and the amount to be transferred on the transfer interface. The payee's identifier can be an identifier that represents the unique identity of the payee, such as a telephone number or an ID number. After entering the identifier and amount, the payer clicks the button to confirm the transfer on the transfer interface, and the first terminal device generates a transfer request based on the identifier and amount. The transfer request is defined as the first transfer request. The first terminal device then sends the first transfer request to the background device of the transfer application, that is, the first transfer request is sent to the device.

[0073] The device receives a first transfer request, and parses the first transfer request to obtain an identifier of a payee designated by a payee.

[0074] Step S202: determining the account information of the target bank card designated by the payee according to the identifier.

[0075] After obtaining the identifier, the device determines the account information of the target financial card specified by the payee based on the identifier. The account information includes the account of the target financial card and the financial institution to which the account belongs.

[0076] Exemplarily, the payee sets the account information of the bank card to be paid in the device, and the set account information of the bank card is associated and stored with the identifier of the payee. After parsing the first transfer request to obtain the identifier, the device obtains the account information associated with the identifier as the account information of the target bank card designated by the payee.

[0077] Step S203: determining a second transfer request according to the first transfer request and the account information, wherein the second transfer request includes the account information and the target amount requested to be transferred by the payer.

[0078] After obtaining the account information, the device determines a second transfer request based on the first transfer request and the account information.

[0079] In one example, the device generates a second transfer request by adding account information to a first transfer request, wherein the first transfer request includes an identifier of the payee and a target amount requested to be transferred by the payee, and thus the second transfer request includes the account information, the identifier and the target amount.

[0080] In another example, the device sends the account information to the first terminal device associated with the payee, and the first terminal device displays the account information and the inquiry information, and the inquiry information is used to inquire whether the payee continues to transfer money based on the received account information of the payee. After detecting the determination operation based on the inquiry information, the first terminal device adds the account information to the first transfer request to obtain a second transfer request, and the first terminal device sends the second transfer request to the device, that is, the device receives the second transfer request fed back by the first terminal device based on the account information.

[0081] Step S204, sending the second transfer request to the target terminal, so that the target terminal transfers the target amount of the payer's account to the account corresponding to the account information.

[0082] The device sends the second transfer request to the target terminal, so that the target terminal transfers the target amount of the payer's account to the account corresponding to the account information.

[0083] Exemplarily, the target terminal is a terminal device corresponding to the financial institution where the payee's account is located. The target terminal parses the second transfer request to obtain the target amount and account information, and the device then transfers the target amount of the payee's account to the account corresponding to the account information. The above is that the financial institution where the payee's account is located is the same as the financial institution where the payee's account is located. The financial institution where the payee's account is located is different from the financial institution where the payee's account is located. The target terminal transfers the target amount of the payee's account to the device of the financial institution where the payee's account is located, and the device then transfers the target amount to the payee's account.

[0084] In this embodiment, the payer receives the first transfer request sent by the terminal device, obtains the identifier of the payee specified by the payer according to the first transfer request, determines the account information of the target financial card specified by the payee based on the identifier, and determines the second transfer request containing the target financial and account information requested by the payer through the first transfer request and the account information, and then sends the second transfer request to the target terminal, so that the target terminal transfers the target amount in the payer's account to the account corresponding to the account information. In this application, based on the payer's first transfer request, the account information of the target financial card specified by the payee is automatically determined, so that the amount transferred by the payer can be transferred to the account of the financial card desired by the payee, avoiding the payee from performing the transfer operation again, simplifying the payee's payment process, and improving the payee's user experience.

[0085] Reference Figure 3 , Figure 3 This is the process diagram of the transfer method for this application Figure 2 ,based on Figure 2 In the illustrated embodiment, step S202 includes:

[0086] Step S301, determining the second terminal device associated with the payee according to the identifier, and generating a data acquisition request according to the first transfer request.

[0087] In this embodiment, the device can determine the account information through the payee. Exemplarily, the device stores a device identifier associated with the identifier, and the device obtains the device identifier associated with the identifier of the payee, and the terminal device corresponding to the device identifier is the second terminal device associated with the payee. The device generates a data acquisition request based on the first transfer request, and exemplary, the first transfer request can be used as the data acquisition request.

[0088] Step S302: Send a data acquisition request to the second terminal device.

[0089] Step S303: receiving the account information of the target financial card fed back by the second terminal device based on the data acquisition request.

[0090] The device sends the data acquisition request to the second terminal device. The second terminal device parses the data acquisition request and displays a request page for the account information of the payee's financial card. The payee fills in the account information of the financial card to be paid in the request page, and the second terminal device detects the completion operation based on the request page. The second terminal device obtains the account information of the target financial card entered by the payee from the request page, and the second terminal device then sends the account information to the device, that is, the device receives the account information of the target financial card fed back by the second terminal device based on the data acquisition request.

[0091] In this embodiment, the device determines the second terminal device associated with the payee based on the identifier, generates a data acquisition request based on the first transfer request, and then sends the data acquisition request to the second terminal device, receives the account information fed back by the second terminal device, so as to quickly obtain the account information.

[0092] Reference Figure 4 , Figure 4 This is the process diagram of the transfer method for this application Figure 3 ,based on Figure 2 In the illustrated embodiment, step S202 includes:

[0093] Step S401, obtaining configuration information associated with the identifier.

[0094] Step S402: determining the account information of the target financial card designated by the payee according to the configuration information.

[0095] In this embodiment, the payee can set the relevant information of the payment in the device, and the relevant information is the configuration information. The configuration information includes the account information of the financial card of the payee for payment. Exemplarily, the second terminal device displays the configuration interface, and the payee can enter the account information of the financial card for payment on the configuration interface. The second terminal device sends the account information to the device, and the device associates and stores the account information and the identifier of the payee.

[0096] After obtaining the payee's identifier based on the first transfer request, the device obtains the account information associated with the identifier, thereby determining the account information of the target financial card specified by the payee based on the configuration information, that is, using the account information in the configuration information as the account information of the target financial card specified by the payee.

[0097] In this embodiment, the device quickly obtains the account information of the target financial card designated by the payee based on the information pre-configured by the payee.

[0098] Reference Figure 5 , Figure 5 This is the process diagram of the transfer method for this application Figure 4 ,based on Figure 4 In the illustrated embodiment, step S402 includes:

[0099] Step S501, determining the payment account of the payer according to the first transfer request, and obtaining a target mapping relationship from the configuration information, wherein the target mapping relationship is an association relationship between the type of the payment account and the target bank card of the payee.

[0100] In this embodiment, the configuration information includes a mapping relationship, where the mapping relationship refers to association information between the type of the payment account and the target financial card of the payee.

[0101] Exemplarily, if the type of payment account is a personal account, the financial card is financial card A, that is, the target mapping relationship is the association relationship between the personal account and financial card A; if the type of payment account is a public account, the financial card is financial card B, and the target mapping relationship is the association relationship between the public account and financial card B.

[0102] The device determines the payment account of the payer based on the first transfer request. Exemplarily, when the payer makes a transfer, the payer needs to select a payment account, that is, the first transfer request includes the payment account of the payer. The device parses the first transfer request to obtain the payment account of the payer. The device determines the type of the payment account. After determining the payment account, the device obtains the target mapping relationship from the configuration information.

[0103] Furthermore, the configuration information includes multiple mapping relationships, and the mapping relationship is the relationship between the type of payment account, the financial card, and the intimate relationship, and the intimate relationship refers to the relationship between the payee and the payer. Exemplarily, if the relationship between the payee and the payee in the device is a friend relationship, then the intimate relationship between the payee and the payer is good; if the relationship between the payee and the payee in the device is not a friend relationship, then the intimate relationship between the payee and the payer is general. When the intimate relationship is good and the type of the payment account is a public account, the financial card used by the payee to receive the payment is financial card C; when the intimate relationship is general and the type of the payment account is a public account, the financial card used by the payee to receive the payment is financial card D. It can be understood that when the type of the payment account is a personal account, the intimate relationship between the payee and the payee is determined, and the device then determines the mapping relationship that matches the intimate relationship as the target mapping relationship among the multiple mapping relationships in the configuration information.

[0104] Step S502: Determine the account information of the target bank card designated by the payee according to the type of the payment account and the target mapping relationship.

[0105] After determining the type of payment account and the target mapping relationship, the device can determine the account information of the target financial card specified by the payee based on the type of payment account and the target mapping relationship. For example, if the type of payment account is a personal account, the target financial card is financial card A, and the account information of financial card A is the account information of the target financial card.

[0106] In this embodiment, the device quickly obtains the account information of the target financial card designated by the payee based on the type of the payment account of the payee and the target mapping relationship.

[0107] Reference Figure 6 , Figure 6 This is the process diagram of the transfer method for this application Figure 5 ,based on Figure 4 In the illustrated embodiment, step S402 includes:

[0108] Step S601, obtaining the historical transfer record information of the payer according to the first transfer request.

[0109] In this embodiment, the configuration information includes multiple intervals of the number of transfers set by the payee and the account information of the financial card associated with each interval. Exemplarily, the payee sets the intervals of the number of transfers (0, 10), [10, 20), [20, 30), [30, 40), where (0, 10) is associated with the account information of financial card 1, [10, 20) is associated with the account information of financial card 2, [20, 30) is associated with the account information of financial card 3, and [30, 40) is associated with the account information of financial card 4. In this regard, the device needs to determine the number of transfers between the payee and the payee.

[0110] Exemplarily, the apparatus parses the first transfer request to obtain the device identification of the first terminal device, and then obtains the historical transfer record information of the payer associated with the device identification.

[0111] Step S602, determining the cumulative number of transfers between the payer and the payee based on the historical transfer record information, and determining a target interval for the cumulative number of transfers.

[0112] After obtaining the historical transfer record information, the device determines the cumulative number of transfers from the payer to the payee from the historical transfer record information, and then determines the interval in which the cumulative number of transfers lies, which is defined as the target interval.

[0113] Step S603: Acquire the account information associated with the target interval in the configuration information as the account information of the target bank card designated by the payee.

[0114] After determining the target interval, the device obtains the account information associated with the target interval in the configuration information as the account information of the target financial card designated by the payee.

[0115] In this embodiment, the device quickly determines the account information of the target financial card designated by the payee based on the accumulated number of transfers between the payee and the payee.

[0116] Reference Figure 7 , Figure 7 This is the process diagram of the transfer method for this application Figure 6 ,based on Figure 2 In the illustrated embodiment, step S202 includes:

[0117] Step S701, obtaining the historical payment record information of the payee according to the identifier.

[0118] In this embodiment, the payee has multiple financial cards, and the account information of the target financial card designated by the payee can be determined based on the payee's payment frequency.

[0119] The device stores historical payment record information of the payee, and the historical payment record information is stored in association with the payee's identifier. After obtaining the payee's identifier, the device obtains the historical payment record information associated with the identifier.

[0120] Step S702, determining the payment frequency of each bank card in the payee according to the historical payment record information.

[0121] After obtaining the historical payment record information, the device determines the payment frequency of each bank card of the payee in the historical payment record information.

[0122] Step S703, the account information of the financial card corresponding to the target payment collection frequency is determined as the account information of the target financial card designated by the payee, and the target payment collection frequency is a payment collection frequency greater than a preset frequency.

[0123] After determining the payment collection frequency of each financial card, the device determines a target payment collection frequency among the payment collection frequencies. In one example, the payment collection frequency greater than the preset frequency is the target payment collection frequency. If there are multiple payment collection frequencies greater than the preset frequency, the largest payment collection frequency is used as the target payment collection frequency.

[0124] After the device determines the target payment collection frequency, the target financial card account information corresponding to the target payment collection frequency is used as the target financial card account information designated by the payee.

[0125] In this embodiment, the device quickly determines the account information of the target financial card designated by the payee based on the payee's historical payment record information.

[0126] Based on the contents described in the above embodiments, a transfer device is also provided in the embodiments of the present application. Figure 8 , Figure 8 Schematic diagram of a program module of a transfer device provided in an embodiment of the present application. In some implementations, the transfer device 800 includes:

[0127] The receiving module 710 is used to receive a first transfer request sent by the payer based on the first terminal device, and obtain an identifier of a payee designated by the payer according to the first transfer request;

[0128] A first determination module 720, configured to determine the account information of the target financial card designated by the payee according to the identifier;

[0129] A second determination module 730 is used to determine a second transfer request according to the first transfer request and the account information, where the second transfer request includes the account information and a target amount requested to be transferred by the payer;

[0130] The sending module 740 is used to send the second transfer request to the target terminal, so that the target terminal transfers the target amount of the payer's account to the account corresponding to the account information.

[0131] In some embodiments, the transfer device 800 is specifically used for:

[0132] Determine the second terminal device associated with the payee according to the identifier, and generate a data acquisition request according to the first transfer request;

[0133] Sending a data acquisition request to a second terminal device;

[0134] Receive the account information of the target financial card fed back by the second terminal device based on the data acquisition request.

[0135] In some embodiments, the transfer device 800 is specifically used for:

[0136] Get the configuration information associated with the logo;

[0137] The account information of the target financial card designated by the payee is determined according to the configuration information.

[0138] In some embodiments, the transfer device 800 is specifically used for:

[0139] Determine the payment account of the payer according to the first transfer request, and obtain a target mapping relationship from the configuration information, where the target mapping relationship is an association relationship between the type of the payment account and the target financial card of the payee;

[0140] According to the type of payment account and the target mapping relationship, the account information of the target bank card designated by the payee is determined.

[0141] In some embodiments, the transfer device 800 is specifically used for:

[0142] Determine the close relationship between the payer and the payee;

[0143] Among the multiple mapping relationships in the configuration information, determine the mapping relationship matched by the intimate relationship as the target mapping relationship.

[0144] In some embodiments, the transfer device 800 is specifically used for:

[0145] Obtaining historical transfer record information of the payer according to the first transfer request;

[0146] Determine the cumulative number of transfers between the payer and the payee based on historical transfer record information, and determine the target range for the cumulative number of transfers;

[0147] In the configuration information, the account information associated with the target interval is obtained as the account information of the target bank card designated by the payee.

[0148] In some embodiments, the transfer device 800 is specifically used for:

[0149] Obtain the historical payment record information of the payee according to the identifier;

[0150] Determine the payment frequency of each bank card in the payee based on the historical payment record information;

[0151] The account information of the financial card corresponding to the target payment collection frequency is determined as the account information of the target financial card designated by the payee, and the target payment collection frequency is a payment collection frequency greater than a preset frequency.

[0152] In some embodiments, the transfer device 800 is specifically used for:

[0153] Sending the account information to the first terminal device;

[0154] Receive a second transfer request fed back by the first terminal device based on the account information.

[0155] It should be noted that the various steps in the transfer method executed by the transfer device are specifically referred to the above embodiment and will not be described in detail here.

[0156] Furthermore, based on the contents described in the above embodiments, an electronic device is also provided in an embodiment of the present application, which includes at least one processor, and a communication interface and a memory to which the processor is communicatively connected; wherein the communication interface is used to communicate with other communication devices, and the memory stores computer-executable instructions; the above at least one processor executes the computer-executable instructions stored in the memory to implement the various steps in the transfer method described in the above embodiments.

[0157] In order to better understand the embodiments of the present application, refer to Fig. 9 , Fig. 9 A schematic diagram of the hardware structure of an electronic device provided in an embodiment of the present application.

[0158] like Fig. 9 As shown, the electronic device 900 of this embodiment includes: a processor 901, a memory 902, and a communication interface 904; wherein:

[0159] Memory 902, used to store computer-executable instructions;

[0160] The communication interface 904 is used to communicate with other communication devices;

[0161] The processor 901 is used to execute the computer-executable instructions stored in the memory to implement the various steps in the query optimization method described in the above embodiment.

[0162] Optionally, the memory 902 may be independent or integrated with the processor 901 .

[0163] When the memory 902 is independently provided, the device further includes a bus 903 for connecting the memory 902 , the communication interface 904 and the processor 901 .

[0164] An embodiment of the present application provides a computer-readable storage medium, in which computer-executable instructions are stored. When a processor executes the computer-executable instructions, each step of the transfer method described in the above embodiment is implemented.

[0165] An embodiment of the present application provides a computer program product, including a computer program. When the computer program is executed by a processor, the various steps in the transfer method described in the above embodiment are implemented.

[0166] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic, for example, the division of modules is only a logical function division, and there may be other division methods in actual implementation, such as multiple modules can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interfaces, devices or modules, which can be electrical, mechanical or other forms.

[0167] The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0168] In addition, each functional module in each embodiment of the present application can be integrated into one processing unit, or each module can exist physically separately, or two or more modules can be integrated into one unit. The above-mentioned module-composed unit can be implemented in the form of hardware or in the form of hardware plus software functional units.

[0169] The above-mentioned integrated module implemented in the form of a software function module can be stored in a computer-readable storage medium. The above-mentioned software function module is stored in a storage medium, including a number of instructions for enabling a computer device (which can be a personal computer, a server, or a network device, etc.) or a processor to perform some steps of the methods of various embodiments of the present application.

[0170] It should be understood that the processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. A general-purpose processor may be a microprocessor or any conventional processor, etc. The steps of the method disclosed in the application may be directly implemented as being executed by a hardware processor, or may be executed by a combination of hardware and software modules in the processor.

[0171] The memory may include high-speed memory, and may also include non-volatile storage, such as at least one disk memory, and may also be a USB flash drive, a mobile hard disk, a read-only memory, a magnetic disk or an optical disk, etc.

[0172] The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the bus in the drawings of the present application is not limited to only one bus or one type of bus.

[0173] The storage medium may be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory, electrically erasable programmable read-only memory, erasable programmable read-only memory, programmable read-only memory, read-only memory, magnetic memory, flash memory, magnetic disk or optical disk. The storage medium may be any available medium that can be accessed by a general or special purpose computer.

[0174] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit it. Although the present application has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or replace some or all of the technical features therein with equivalents. However, these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A method for transferring money, characterized in that: include: receiving a first transfer request sent by a payer based on a first terminal device, and acquiring an identifier of a payee designated by the payer according to the first transfer request; Determining the account information of the target financial card designated by the payee according to the identifier; Determine a second transfer request according to the first transfer request and the account information, wherein the second transfer request includes the account information and the target amount requested to be transferred by the payer; The second transfer request is sent to the target terminal, so that the target terminal transfers the target amount in the account of the payer to the account corresponding to the account information.

2. The transfer method according to claim 1, characterized in that: The step of determining the account information of the target financial card designated by the payee according to the identifier includes: Determine the second terminal device associated with the payee according to the identifier, and generate a data acquisition request according to the first transfer request; Sending the data acquisition request to the second terminal device; Receive the account information of the target financial card fed back by the second terminal device based on the data acquisition request.

3. The transfer method according to claim 1, characterized in that: The step of determining the account information of the target financial card designated by the payee according to the identifier includes: Obtaining configuration information associated with the identifier; The account information of the target financial card designated by the payee is determined according to the configuration information.

4. The transfer method according to claim 3, characterized in that: The step of determining the account information of the target financial card designated by the payee according to the configuration information includes: Determine the payment account of the payer according to the first transfer request, and obtain a target mapping relationship from the configuration information, wherein the target mapping relationship is an association relationship between the type of the payment account and the target financial card of the payee; The account information of the target financial card designated by the payee is determined according to the type of the payment account and the target mapping relationship.

5. The transfer method according to claim 4, characterized in that: The acquiring the target mapping relationship from the configuration information includes: Determining the close relationship between the payer and the payee; Among the multiple mapping relationships in the configuration information, determine the mapping relationship matched by the intimate relationship as the target mapping relationship.

6. The transfer method according to claim 3, characterized in that: The step of determining the account information of the target financial card designated by the payee according to the configuration information includes: Acquire historical transfer record information of the payer according to the first transfer request; Determine the cumulative number of transfers between the payer and the payee according to the historical transfer record information, and determine a target interval for the cumulative number of transfers; In the configuration information, the account information associated with the target interval is obtained as the account information of the target financial card designated by the payee.

7. The transfer method according to claim 1, characterized in that: The step of determining the account information of the target financial card designated by the payee according to the identifier includes: Acquire the historical payment record information of the payee according to the identifier; Determining the payment frequency of each bank card in the payee according to the historical payment record information; The account information of the financial card corresponding to the target payment collection frequency is determined as the account information of the target financial card designated by the payee, wherein the target payment collection frequency is the payment collection frequency greater than the preset frequency.

8. The transfer method according to any one of claims 1 to 7, characterized in that: The determining the second transfer request according to the first transfer request and the account information includes: Sending the account information to the first terminal device; Receive a second transfer request fed back by the first terminal device based on the account information.

9. A transfer device, characterized in that: include: A receiving module, configured to receive a first transfer request sent by a payer based on a first terminal device, and obtain an identifier of a payee designated by the payer according to the first transfer request; A first determining module, configured to determine the account information of the target financial card designated by the payee according to the identifier; A second determining module, configured to determine a second transfer request according to the first transfer request and the account information, wherein the second transfer request includes the account information and a target amount requested to be transferred by the payer; A sending module is used to send the second transfer request to the target terminal, so that the target terminal transfers the target amount of the account in the payer to the account corresponding to the account information.

10. An electronic device, characterized in that: include: A processor, and a memory and a communication interface communicatively connected to the processor; The communication interface is used to communicate with other communication devices; The memory is used to store computer-executable instructions; The processor is used to execute the computer-executable instructions stored in the memory to implement the transfer method according to any one of claims 1 to 8.

11. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, and when the computer-executable instructions are executed by a processor, the transfer method according to any one of claims 1 to 8 is implemented.

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

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