Resource transfer method and device, computer equipment and storage medium

Abstract

The invention relates to a resource transfer method and device, computer equipment, a storage medium and a computer program product. The method comprises the following steps: receiving a resource transfer request carrying respective identifiers of a plurality of first resource accounts, and determining a resource transfer amount indicated to transfer by the resource transfer request; splitting the resource transfer amount according to the balances of at least two first resource accounts in the plurality of first resource accounts to obtain to-be-transferred amounts respectively corresponding to the at least two first resource accounts; determining a target resource account from the at least two first resource accounts; for non-target resource accounts except the target resource account in the at least two first resource accounts, transferring the resources of which the amount is consistent with the corresponding amount to be transferred out in the non-target resource accounts into the target resource account; and transferring the resource of which the amount is consistent with the resource transfer amount in the target resource account into a second resource account of which the resource transfer request indicates to transfer the resource. By adopting the method, the resource transfer efficiency can be improved.

Description

Technical Field

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

[0002] With the development of computer and Internet technology, the technology of transferring resources through the Internet has emerged, which can transfer resources from one resource account to another resource account through the Internet.

[0003] In traditional technology, when resources in a single resource account need to be used for resource transfer, but the resources in the resource account are insufficient, resources need to be transferred from other resource accounts to the resource account so that there are sufficient resources in the resource account, and then the resources in the resource account are used for resource transfer.

[0004] Therefore, for scenarios where multiple resource accounts are required to transfer resources, such as when there are insufficient resources in a single resource account, current resource transfer methods are relatively complex, resulting in low efficiency of resource transfer. Summary of the invention

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

[0006] On the one hand, the present application provides a resource transfer method, including: receiving a resource transfer request carrying the identifiers of each of a plurality of first resource accounts, determining the resource transfer amount indicated by the resource transfer request; splitting the resource transfer amount according to the balances of at least two first resource accounts among the plurality of first resource accounts, and obtaining the amounts to be transferred corresponding to the at least two first resource accounts respectively; determining a target resource account from the at least two first resource accounts; for non-target resource accounts other than the target resource accounts among the at least two first resource accounts, transferring resources in the non-target resource accounts whose amounts are consistent with the corresponding amounts to be transferred into the target resource accounts; and transferring resources in the target resource accounts whose amounts are consistent with the resource transfer amount into at least one second resource account indicated by the resource transfer request as the resources to be transferred into.

[0007] On the other hand, the present application also provides a resource transfer device, including: a transfer amount determination module, used to receive a resource transfer request carrying the respective identifiers of multiple first resource accounts, and determine the resource transfer amount indicated by the resource transfer request; a transfer-out amount determination module, used to split the resource transfer amount according to the balances of at least two first resource accounts among the multiple first resource accounts, and obtain the amounts to be transferred out corresponding to the at least two first resource accounts respectively; an account determination module, used to determine a target resource account from the at least two first resource accounts; a first resource transfer-in module, used to transfer resources whose amounts in the non-target resource accounts other than the target resource accounts among the at least two first resource accounts are consistent with the corresponding amounts to be transferred out into the target resource account; a second resource transfer-in module, used to transfer resources whose amounts in the target resource account are consistent with the resource transfer amount into at least one second resource account indicated by the resource transfer request to transfer resources.

[0008] In some embodiments, the first resource account is a resource account of a first user; the transfer amount determination module is also used to receive a resource transfer request for a resource transfer event that carries the identifiers of multiple first resource accounts; the resource transfer event indicates a transfer of resources to a resource account of at least one second user; the amount indicated by the resource transfer event is obtained, and the resource transfer amount indicated by the resource transfer request is obtained.

[0009] In some embodiments, the resource transfer device also includes a bill generation module, which is used to receive a bill generation request for the resource transfer event; when the resource transfer event includes multiple sub-events that respectively indicate the transfer of resources to different second users, the amount of transfer indicated by each sub-event is determined from the information carried by the bill generation request, and the amount to be transferred for each second user is obtained; for each second user, a sub-bill corresponding to the second user is generated according to the amount to be transferred of the second user and the account identifier of the second user; a resource transfer-in bill associated with the resource transfer event is generated according to the resource transfer amount, and an association relationship between the resource transfer-in bill and each of the sub-bills is established.

[0010] In some embodiments, the second resource transfer module is further used to determine the resource transfer bill associated with the resource transfer event targeted by the resource transfer request; determine each sub-bill associated with the resource transfer bill; for each sub-bill, determine the account represented by the account identifier recorded in the sub-bill, obtain the second resource account to which the resource transfer request indicates to transfer the resources, and determine the resources whose amount is consistent with the amount to be transferred recorded in the sub-bill from the target resource account, to obtain the resources to be transferred corresponding to the second resource account; transfer the resources to be transferred corresponding to each of the second resource accounts into each of the second resource accounts respectively.

[0011] In some embodiments, the second resource transfer module is also used to, for each second resource account, when the target resource account and the second resource account are used to store digital resources, set the ownership item of the resources to be transferred in the second resource account to represent the ownership as the second resource account, and obtain the resources to be transferred after the ownership item is set; and transfer the resources to be transferred after the ownership item is set to the second resource account.

[0012] In some embodiments, the transfer amount determination module is also used to receive a resource transfer request sent by a terminal and carrying the respective identifiers of multiple first resource accounts; the resource transfer request is triggered when the terminal obtains a resource transfer operation triggered through a resource transfer interface; wherein the respective identifiers of the multiple first resource accounts are multiple account identifiers that are selected in the resource transfer interface.

[0013] In some embodiments, the second resource transfer module is further used to determine at least one second resource account to which the resource transfer request indicates to transfer resources; for each second resource account, determine a frozen account associated with the second resource account; determine resources whose amount is consistent with the resource transfer amount from the target resource account to obtain the resources to be transferred into the second resource account; transfer the resources to be transferred into the second resource account into the frozen account; and when it is determined that the resources to be transferred into the second resource account in the frozen account meet the unfreezing conditions, transfer the resources to be transferred from the frozen account to the second resource account.

[0014] In some embodiments, the second resource transfer module is further used to determine a frozen account of a user to which the second resource account belongs; and determine the frozen account of the user to which the second resource account belongs as the frozen account associated with the second resource account.

[0015] In some embodiments, the account determination module is further used to determine any first resource account for storing digital resources from the at least two first resource accounts to obtain a target resource account when there is a first resource account for storing digital resources among the at least two first resource accounts.

[0016] In some embodiments, the first resource transfer module is also used to, when the resources stored in the non-target resource account are non-digital resources, convert the non-digital resources in the non-target resource account whose amount is consistent with the corresponding amount to be transferred out into digital resources whose amount is consistent with the corresponding amount to be transferred out; and transfer the converted digital resources into the target resource account for storing digital resources.

[0017] In some embodiments, the transfer amount determination module is also used to take the resource transfer amount as the amount to be split, and obtain a resource account set based on the multiple first resource accounts; select resource transfer accounts from the resource account set in turn; when the amount to be split exceeds the balance of the resource transfer account, split an amount consistent with the balance of the resource transfer account from the amount to be split, and use the split amount as the amount to be transferred corresponding to the resource transfer account; update the amount to be split according to the remaining amount after the split of the amount to be split, remove the resource transfer account from the resource account set to update the resource account set, and return to the step of selecting resource transfer accounts from the resource account set in turn, until the amount to be split does not exceed the balance of the resource transfer account; when the amount to be split does not exceed the balance of the resource transfer account, use the amount to be split as the amount to be transferred corresponding to the resource transfer account.

[0018] In some embodiments, the resource transfer device also includes a resource return module, which is used to receive a resource return request for the second resource account and determine the amount to be returned of the second resource account; determine at least one target resource transfer-out account from each of the resource transfer-out accounts based on the amount to be returned, and determine the return amount corresponding to the at least one target resource transfer-out account; the return amount corresponding to the target resource transfer-out account is less than or equal to the amount to be transferred corresponding to the target resource transfer-out account; for each of the target resource transfer-out accounts, determine from the resource return account a resource whose amount is consistent with the return amount corresponding to the target resource transfer-out account, and obtain the resources to be returned corresponding to the target resource transfer-out account; and return the resources to be returned corresponding to each of the target resource transfer-out accounts to each of the target resource transfer-out accounts.

[0019] On the other hand, the present application further provides a computer device, including a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps in the above-mentioned resource transfer method when executing the computer program.

[0020] On the other hand, the present application also provides a computer-readable storage medium on which a computer program is stored, and when the computer program is executed by a processor, the steps in the above-mentioned resource transfer method are implemented.

[0021] On the other hand, the present application also provides a computer program product, including a computer program, which implements the steps in the above-mentioned resource transfer method when executed by a processor.

[0022] The resource transfer method, apparatus, computer equipment, storage medium and computer program product described above receive a resource transfer request carrying the identifiers of each of a plurality of first resource accounts, determine the resource transfer amount indicated by the resource transfer request, split the resource transfer amount according to the balance of at least two of the plurality of first resource accounts, obtain the amounts to be transferred out corresponding to the at least two first resource accounts, determine the target resource account from the at least two first resource accounts, and for non-target resource accounts other than the target resource accounts in the at least two first resource accounts, transfer the resources in the non-target resource accounts whose amounts are consistent with the corresponding amounts to be transferred out to the target resource account, and transfer the resources in the target resource account whose amounts are consistent with the resource transfer amount to the second resource account indicated by the resource transfer request. This realizes a solution in which multiple resource accounts participate in resource transfer, so that when multiple resource accounts are required to be used for resource transfer, resource transfer can be realized quickly, thereby improving the efficiency of resource transfer. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the related technologies, the drawings required for use in the embodiments or the related technical descriptions are briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0024] Figure 1 An application environment diagram of a resource transfer method in an embodiment;

[0025] Figure 2 A schematic diagram of a resource transfer method in one embodiment;

[0026] Figure 3 A flowchart of transferring resources from a target resource account to a second resource account in one embodiment;

[0027] Figure 4 is a schematic diagram of a resource transfer method in an embodiment;

[0028] Figure 5 A schematic diagram of a sub-bill in one embodiment;

[0029] Figure 6 A schematic diagram of a resource transfer interface in one embodiment;

[0030] Figure 7 is a schematic diagram of a resource transfer process in one embodiment;

[0031] Figure 8 A schematic diagram of splitting an amount and generating a resource transfer-out account in one embodiment;

[0032] Fig. 9 A schematic diagram of splitting the amount to be returned to realize resource return in one embodiment;

[0033] Fig.10 A schematic diagram of a flow chart of a resource transfer method in another embodiment;

[0034] Fig.11 is a structural block diagram of a resource transfer device in an embodiment;

[0035] Fig.12 is an internal structure diagram of a computer device in one embodiment;

[0036] Fig.13 FIG. 4 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0037] In order to make the purpose, technical solution and advantages of the present application more clearly understood, 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.

[0038] The resource transfer method provided in the embodiment of the present application can be applied to Figure 1In the application environment shown, the application environment includes a resource server 102, a business server 104 and a terminal 106. The resource server 102 provides resource-related services, including but not limited to at least one of opening a resource account, storing resources in a resource account, and transferring resources stored in a resource account. The business server 104 can be a server for any business, and the business includes but is not limited to at least one of e-commerce business, social-related business, game-related business, and entertainment-related business. The terminal 106 can be installed with a client corresponding to a resource service platform, and can also be installed with a client corresponding to a business platform. The resource server 102 is a server corresponding to a resource service platform, and the resource service platform is a platform that provides services related to resources. The terminal 106 communicates with the resource server 102 through a client, or the terminal 106 communicates with the business server 104 through a client. Among them, the resource server 102, the business server 104 and the terminal 106 communicate through a network. The data storage system can store data that the resource server 106 needs to process. The data storage system can be integrated on the resource server 106, or it can be placed on a cloud or other network server.

[0039] Specifically, the terminal 106 displays a resource transfer interface, and in response to a resource transfer operation triggered by the resource transfer interface, sends a resource transfer request to the resource server 102. The resource transfer request carries the identifiers of the respective multiple first resource accounts. The resource server 102 splits the resource transfer amount according to the balances of at least two first resource accounts among the multiple first resource accounts, and obtains the amounts to be transferred out corresponding to the at least two first resource accounts. The resource server 102 determines the target resource account from the at least two first resource accounts, and for non-target resource accounts other than the target resource account among the at least two resource accounts, transfers the resources in the non-target resource account whose amounts are consistent with the corresponding amounts to be transferred out to the target resource account. The resource server 102 transfers the resources in the target resource account whose amounts are consistent with the resource transfer amount to the second resource account indicated by the resource transfer request to transfer the resources.

[0040] Among them, the resource transfer amount and the identifier of the first resource account can be input through the resource transfer interface. For example, the terminal 106 responds to the resource transfer operation triggered through the resource transfer interface, obtains the resource transfer amount and the identifier of the resource account input into the resource transfer interface, and sends a resource transfer request. Or, the terminal 106 displays an event triggering interface, responds to the event generation operation triggered through the event triggering interface, and the event generation operation is an operation for triggering the generation of a resource transfer event. In response to the event generation operation, the terminal 106 obtains the event information displayed in the event triggering interface, and sends an event generation request carrying the event information to the business server 104. The business server 104 generates a resource transfer event according to the event information in response to the event generation request. The event information may include the amount to be transferred, which is the amount indicated to be transferred by the resource transfer event. The business server 104 sends a bill generation request for the resource transfer event to the resource server 102. In response to the bill generation request, the resource server 102 obtains the amount of transfer indicated by the resource transfer event, obtains the resource transfer amount, generates a resource transfer-in bill according to the resource transfer amount, generates transfer indication information according to the resource transfer-in bill, and sends the transfer indication information and the resource transfer amount recorded in the resource transfer-in bill to the terminal 106. The terminal 106 displays a resource transfer interface according to the transfer indication information. The resource transfer interface can provide account options. In response to the resource transfer operation triggered by the resource transfer interface, multiple account identifiers in a selected state in the resource transfer interface are obtained, and the respective identifiers of the multiple first resource accounts are obtained. A resource transfer request carrying the respective identifiers of the multiple first resource accounts is sent to the resource server 102.

[0041] Among them, the terminal 106 can be, but is not limited to, various personal computers, laptops, smart phones, tablet computers, Internet of Things devices and portable wearable devices. The Internet of Things devices can be smart speakers, smart TVs, smart air conditioners, smart car-mounted devices, etc. Portable wearable devices can be smart watches, smart bracelets, head-mounted devices, etc. The resource server 102 and the business server 104 can be implemented with independent servers or server clusters composed of multiple servers, or cloud servers. The cloud server is used to provide cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN (Content Delivery Network, content distribution network) and basic cloud computing services such as big data and artificial intelligence platforms. The resource server 102, the business server 104 and the terminal 106 can be directly or indirectly connected by wired or wireless communication, and this application is not limited here.

[0042] In some embodiments, Figure 2As shown, a resource transfer method is provided, which can be executed by a terminal or a server, or by a terminal and a server together. Figure 1 The resource server 102 in the example is used as an example to illustrate, including the following steps 202 to 210. Among them:

[0043] Step 202: receiving a resource transfer request carrying respective identifiers of a plurality of first resource accounts, and determining a resource transfer amount indicated by the resource transfer request.

[0044] Among them, resources can be digital resources or non-digital resources. Digital resources refer to resources represented in digital form. Digital resources can be virtual resources in digital form, or resources generated by digitizing real resources. Digital resources have an ownership item, which is used to represent the owner of the digital resource. The ownership item can store the identity of the owner, and the ownership item can be changed. For example, in the process of transferring the digital resources owned by Party A to Party B, the identity of Party A stored in the ownership item can be changed to the identity of Party B, thereby changing the owner of the digital resource to Party B.

[0045] An account storing digital resources may be referred to as a digital resource account, and a digital resource account may be opened in a digital resource application. A digital resource application is an application used to provide digital resource services. Digital resource services refer to services related to digital resources, including but not limited to services such as opening a digital resource account, transferring digital resources from an opened digital resource account, and transferring digital resources into an opened digital resource account, i.e. storing digital resources.

[0046] The resource transfer amount is the amount of resources to be transferred. A resource account is an account for storing resources. The multiple first resource accounts are accounts for participating in resource transfer, and different first resource accounts may belong to the same user or different users. For example, each first resource account may belong to the first user. The balance of each first resource account in the multiple first resource accounts may not reach the resource transfer amount, or the balance of at least one first resource account in the multiple first resource accounts may not reach the resource transfer amount, or each first resource account in the multiple first resource accounts may reach the resource transfer amount. The resource transfer request is used to request resource transfer, that is, to request to obtain resources with an amount consistent with the resource transfer amount from the multiple first resource accounts, and to transfer the obtained resources to the second resource account. The second resource account is the resource account to which the resource transfer request indicates to transfer resources. The user to which the second resource account belongs may be the same as or different from the user to which the first resource account belongs. Specifically, after receiving the resource transfer request, the resource server obtains resources with an amount consistent with the resource transfer amount from the multiple first resource accounts, and transfers the obtained resources to the second resource account. The acquired resources may come from at least two of the multiple first resource accounts, for example, may come from all the first resource accounts. For example, resources whose amount is less than the resource transfer amount may be acquired from each first resource account respectively to obtain each part of the resources, and the total amount of each part of the resources is consistent with the resource transfer amount.

[0047] In some embodiments, the terminal displays a resource transfer interface, and the resource transfer amount, the identifier of the first resource account, and the identifier of the second resource account may be input through the resource transfer interface. In response to the resource transfer operation triggered through the resource transfer interface, the terminal obtains the input resource transfer amount, the identifiers of the first resource accounts, and the identifier of the second resource account from the resource transfer interface, generates a resource transfer request, and sends the resource transfer request to the resource server. The resource transfer request carries the resource transfer amount, the identifiers of the first resource accounts, and the identifier of the second resource account.

[0048] In some embodiments, an event triggering interface is finally displayed, and in response to an event generating operation triggered by the event triggering interface, the event generating operation is an operation for triggering the generation of a resource transfer event. In response to the event generating operation, the terminal obtains the event information displayed in the event triggering interface, and sends an event generating request carrying the event information to the business server. In response to the event generating request, the business server generates a resource transfer event according to the event information. The event information may include the amount to be transferred, which is the amount indicated to be transferred by the resource transfer event. The event information may also include a user identifier, and the resource transfer event indicates the transfer of resources to the user represented by the user identifier in the event information. The terminal may generate a resource transfer request for the resource transfer event. The terminal may obtain the amount indicated to be transferred by the resource transfer event as the resource transfer amount. When the resource transfer event is triggered by the first user, the terminal may obtain the identifiers of the first user's multiple resource accounts, obtain the identifiers of the multiple first resource accounts, and generate a resource transfer request.

[0049] Step 204: split the resource transfer amount according to the balances of at least two first resource accounts among the multiple first resource accounts to obtain the amounts to be transferred out corresponding to the at least two first resource accounts respectively.

[0050] The amount to be transferred out corresponding to the first resource account refers to the amount of resources that need to be transferred out from the first resource account. The total of the balances of the multiple first resource accounts reaches the resource transfer amount. For example, if there are three first resource accounts, the sum of the balances of the three first resource accounts reaches the resource transfer amount.

[0051] Specifically, the resource server may choose to use the balances of all first resource accounts among multiple first resource accounts to split the resource transfer amount and obtain the amount to be transferred corresponding to each first resource account. For example, the resource server may count the number of multiple first resource accounts to obtain the number of accounts, calculate the ratio of the resource transfer amount to the number of accounts, and obtain the average amount. When the balance of each first resource account among the multiple first resource accounts reaches the average amount, the resource server may divide the resource transfer amount into multiple amounts, and each amount is consistent with the average amount, and the number of amounts included in the multiple amounts is consistent with the number of accounts. For example, if the resource transfer amount is 30, the number of accounts is 3, and the average amount is 10, the resource transfer amount is split into 3 amounts, and each amount is 10.

[0052] In some embodiments, the resource server may use the resource transfer amount as the amount to be split, determine the account priority of each first resource account, and group the first resource accounts into a resource account set, which includes each first resource account. The resource server selects the first resource account from the candidate resource accounts as the resource transfer-out account in the order of priority from high to low, determines the balance of the resource transfer-out account, compares the amount to be split with the balance of the resource transfer-out account, and if the result of the comparison is that the amount to be split exceeds the balance of the resource transfer-out account, splits out an amount consistent with the balance of the resource transfer-out account from the amount to be split, uses the split amount as the amount to be transferred out corresponding to the resource transfer-out account, and uses the remaining amount of the resource transfer amount after splitting as the new amount to be split, and removes the resource transfer-out account from the resource account set to update the resource account set, and returns to the step of selecting the resource transfer-out account from the resource account set in the order of priority from high to low, until the split is completed. For example, if the result of the comparison is that the amount to be split does not exceed the balance of the resource transfer-out account, it means that there is no need to continue splitting, that is, it means that the split is completed, and the amount to be split is used as the amount to be transferred out corresponding to the resource transfer-out account. Thus, in the process of splitting, each resource transfer-out account and the amount to be transferred corresponding to each resource transfer-out account are simultaneously determined. The at least two first resource accounts are resource transfer-out accounts.

[0053] Among them, the account priority of the first resource account can be determined according to the frequency of resource transfer occurring in the first resource account or the time when the resource transfer occurred most recently. For example, the account priority can be positively correlated with the frequency of resource transfer, or, the later the time of the most recent resource transfer, the higher the account priority. The account priority can also be determined according to the type of resources stored in the first resource account, for example, the account priority of the first resource account storing digital resources is higher than the account priority of the first resource account storing non-digital resources. The account priority can also be determined according to virtual resources and real resources, for example, the account priority of the first resource account storing virtual resources is higher than the account priority of the first resource account storing real resources. Virtual resources include, but are not limited to, resources represented by coupons or gift cards. Of course, the account priority can also be determined according to other methods, and the method for determining the account priority is not specifically limited here.

[0054] Step 206: Determine a target resource account from at least two first resource accounts.

[0055] Each of the at least two first resource accounts is a resource transfer-out account, and the target resource account may be any resource transfer-out account.

[0056] Specifically, the resource server may use any resource transfer-out account among the resource transfer-out accounts as the target resource account. Alternatively, the resource server may determine the target resource account from the resource transfer-out accounts based on the account priority. For example, the resource server may use the resource transfer-out account with the highest account priority among the resource transfer-out accounts as the target resource account. Alternatively, the resource server may use the resource transfer-out account with the lowest account priority among the resource transfer-out accounts as the target resource account.

[0057] In some embodiments, the resource server may determine the target resource account according to the type of stored resources. For example, the resource server may select any resource transfer-out account for storing digital resources from various resource transfer-out accounts as the target resource account. Alternatively, the resource server may select any resource transfer-out account for storing non-digital resources from various resource transfer-out accounts as the target resource account.

[0058] Step 208: For non-target resource accounts other than the target resource account in at least two first resource accounts, resources in the non-target resource accounts whose amounts are consistent with the corresponding amounts to be transferred out are transferred into the target resource account.

[0059] Specifically, for non-target resource accounts other than the target resource account in each resource transfer-out account, the resource server can obtain resources whose amount is consistent with the amount to be transferred corresponding to the non-target resource account from the non-target resource account, obtain the resources to be transferred corresponding to the non-target resource account, and transfer the resources to be transferred corresponding to the non-target resource account to the target resource account.

[0060] In some embodiments, if the target resource account and the non-target resource account are both used to store resources of the same type, the resource server may directly transfer the to-be-transferred-out resources corresponding to the non-target resource account into the target resource account.

[0061] In some embodiments, if the target resource account and the non-target resource account are used to store resources of different types, the resource server determines the type of resources stored by the target resource account user, obtains the reference resource type, converts the resources to be transferred out corresponding to the non-target resource account into resources of the reference resource type, and transfers the converted resources into the target resource account.

[0062] Step 210: transfer the resources in the target resource account whose amount is consistent with the resource transfer amount to at least one second resource account indicated by the resource transfer request.

[0063] Specifically, when the resource transfer request indicates to transfer resources to a second resource account, the resource server transfers resources in the target resource account whose amount is consistent with the resource transfer amount to the second resource account.

[0064] In some embodiments, when a resource transfer request indicates that resources are to be transferred to multiple second resource accounts, where multiple refers to at least two, the resource server determines the amount of resources to be transferred to each second resource account, and obtains the amount to be transferred corresponding to each second resource account. For each second resource account, the resources in the target resource account whose amount is consistent with the amount to be transferred corresponding to the second resource account are transferred to the second resource account. Figure 3 As shown, a flow chart of transferring resources from a target resource account to a second resource account is shown. Since the resources in the target resource account are directly transferred to the second resource account, that is, the resources are transferred directly from one user's resource account to another's resource account, end-to-end resource transfer is achieved. Compared with transferring the resources to a third-party resource account first and then transferring the resources from the third-party resource account to the second resource account, it is more secure.

[0065] In the above resource transfer method, a resource transfer request carrying the respective identifiers of multiple first resource accounts is received, the resource transfer amount indicated by the resource transfer request is determined, the resource transfer amount is split according to the balance of at least two first resource accounts among the multiple first resource accounts, and the amounts to be transferred out corresponding to the at least two first resource accounts are obtained, the target resource account is determined from the at least two first resource accounts, and for non-target resource accounts other than the target resource accounts among the at least two first resource accounts, the resources in the non-target resource accounts with amounts consistent with the corresponding amounts to be transferred out are transferred to the target resource account, and the resources in the target resource account with amounts consistent with the resource transfer amount are transferred to the second resource account indicated by the resource transfer request. Thus, a solution for multiple resource accounts to participate in resource transfer is realized, so that when multiple resource accounts are required to be used for resource transfer, resource transfer can be realized quickly, thereby improving the efficiency of resource transfer.

[0066] In some embodiments, the first resource account is a resource account of a first user; a resource transfer request carrying the respective identifiers of multiple first resource accounts is received, and an amount of resources to be transferred indicated by the resource transfer request is determined, including: receiving a resource transfer request carrying the respective identifiers of multiple first resource accounts and for a resource transfer event; the resource transfer event indicates a transfer of resources to a resource account of at least one second user; obtaining the amount indicated by the resource transfer event to obtain the amount of resources to be transferred indicated by the resource transfer request.

[0067] The resource transfer event is an event indicating resource transfer, such as a transaction, for example, the business server may be a server of an e-commerce platform, and the resource transfer event may be a transaction triggered by shopping on the e-commerce platform. The resource transfer event indicates the transfer of resources to a resource account of at least one second user, for example, the resource transfer event may be a transaction triggered by submitting orders to multiple merchants on the e-commerce platform at the same time.

[0068] Specifically, the resource server receives a bill generation request for a resource transfer event, obtains the amount of transfer indicated by the resource transfer event, obtains the resource transfer amount, and generates a resource transfer-in bill associated with the resource transfer event according to the resource transfer amount. The bill generation request may carry the amount of transfer indicated by the resource transfer event. The bill generation request is used to instruct the generation of a resource transfer-in bill. The resource transfer-in bill can also be understood as a collection bill.

[0069] In some embodiments, if the resource transfer event indicates a resource transfer to a resource account of a second user, the resource server obtains the account identifier of the second user, and generates a resource transfer-in bill associated with the resource transfer event based on the account identifier of the second user and the resource transfer amount. The resource transfer-in bill associated with the resource transfer event records the account identifier of the second user and the resource transfer amount. The account identifier of the second user refers to the identifier of the resource account of the second user. The resource server receives a resource transfer request for the resource transfer event, determines the resource transfer amount that the resource transfer request indicates to be transferred, obtains the account identifier of the second user from the resource transfer-in bill associated with the resource transfer event, obtains the second resource account that the resource transfer request indicates to transfer resources, and transfers the resources in the target resource account that have an amount consistent with the resource transfer amount to the second resource account that the resource transfer request indicates to transfer resources.

[0070] In some embodiments, the resource transfer event may be triggered by the terminal of the first user. After the resource server generates the resource transfer bill, it returns transfer indication information to the terminal of the first user. The resource transfer indication information is used to trigger the terminal to display the resource transfer interface and display at least two account identifiers of the first user on the resource transfer interface. The resource server receives a resource transfer request for the resource transfer event returned by the terminal of the first user. The resource transfer request carries the identifiers of multiple first resource accounts. The identifiers of the multiple first resource accounts are multiple account identifiers that are selected in the resource transfer interface.

[0071] In this embodiment, multiple first resource accounts are used to perform resource transfer for the resource transfer event, thereby improving resource transfer efficiency and flexibility.

[0072] In some embodiments, a resource transfer request for a resource transfer event carrying respective identifiers of multiple first resource accounts is received, and the process also includes: receiving a bill generation request for the resource transfer event; when the resource transfer event includes multiple sub-events that respectively indicate resource transfers to different second users, determining the amount of transfer indicated by each sub-event from the information carried by the bill generation request, and obtaining the amount to be transferred for each second user; for each second user, generating a sub-bill corresponding to the second user based on the amount to be transferred of the second user and the account identifier of the second user; generating a resource transfer-in bill associated with the resource transfer event based on the resource transfer amount, and establishing an association between the resource transfer-in bill and each sub-bill.

[0073] If the resource transfer event indicates the transfer of resources to resource accounts of multiple second users, where multiple means at least two, then the resource transfer event includes sub-events corresponding to the multiple second users, and the sub-events correspond to the second users one by one. Different sub-events indicate the transfer of resources to resource accounts of different second users, and the bill generation request can also carry the amount of transfer indicated by each sub-event. The sub-event corresponding to the second user indicates the transfer of a specified amount of resources to the resource account of the second user.

[0074] Specifically, the resource server obtains the account identifier of each second user, and for each second user, generates a sub-bill corresponding to the second user according to the account identifier of the second user and the amount of transfer indicated by the sub-event corresponding to the second user, and the sub-bill may also record the identifier of the second user, and generates a resource transfer-in bill associated with the resource transfer event according to the resource transfer amount, and the resource transfer-in bill records the resource transfer amount, and associates the sub-bill with the resource transfer-in bill. Figure 4 As shown, if there are two different second users, namely, second user 1 and second user 2, a sub-bill corresponding to second user 1 and a sub-bill for second user 2 are generated. The sub-bill may also record the description information of the sub-event, which is information used to describe the sub-event. The description information of the sub-event includes but is not limited to at least one of the time when the sub-event is triggered and the information of the items related to the event. Figure 5 As shown, sub-bill 1 corresponding to second user 1 and sub-bill 2 corresponding to second user 2 are displayed.

[0075] In some embodiments, the resource server receives a resource transfer request for a resource transfer event, obtains the amount to be transferred indicated by the resource transfer event, obtains the resource transfer amount indicated by the resource transfer request, generates a resource transfer-out bill according to the resource transfer amount, determines a resource transfer-out account from the multiple first resource accounts, and determines the amount to be transferred corresponding to each resource transfer-out account, generates a sub-bill corresponding to the resource transfer-out account according to the amount to be transferred corresponding to the resource transfer-out account, and establishes an association relationship between the sub-bill and the resource transfer-out bill. The resource server determines the target resource account from each resource transfer-out account, obtains the recorded amount to be transferred from the sub-bill corresponding to the non-target resource account, and transfers the resources in the non-target resource account whose amount is consistent with the amount to be transferred into the target resource account. Figure 4 As shown, if there are three resource transfer-out accounts, namely resource transfer-out account 1 to resource transfer-out account 3, a sub-invoice corresponding to resource transfer-out account 1, a sub-invoice corresponding to resource transfer-out account 2, and a sub-invoice corresponding to resource transfer-out account 3 are generated. If resource transfer-out account 3 is selected as the target resource account, resource transfer-out account 1 and resource transfer-out account 2 are non-target resource accounts.

[0076] In this embodiment, when a resource transfer event includes multiple sub-events that respectively indicate the transfer of resources to different second users, a sub-bill corresponding to the second user is generated, a resource transfer-in bill is generated, and an association relationship between the resource transfer-in bill and each sub-bill is established. Thus, resource transfer supports triggering a resource transfer event including multiple sub-events at one time, thereby improving resource transfer efficiency.

[0077] In some embodiments, resources in a target resource account whose amount is consistent with the resource transfer amount are transferred into at least one second resource account indicated by a resource transfer request, including: determining a resource transfer bill associated with a resource transfer event targeted by the resource transfer request; determining each sub-bill associated with the resource transfer bill; for each sub-bill, determining the account represented by the account identifier recorded in the sub-bill, obtaining the second resource account into which the resource transfer request indicates the resource is transferred, and determining resources from the target resource account whose amount is consistent with the amount to be transferred recorded in the sub-bill, obtaining the resources to be transferred corresponding to the second resource account; and transferring the resources to be transferred corresponding to each second resource account into each second resource account respectively.

[0078] Specifically, in the case of a resource transfer event targeted by a resource transfer request, the resource server can determine the resource transfer bill associated with the resource transfer event, and determine the sub-bills associated with the resource transfer bill, and determine the resources to be transferred corresponding to the second resource account based on the amount to be transferred recorded in the sub-bill, and for each second resource account, transfer the resources to be transferred corresponding to the second resource account to the second resource account.

[0079] In this embodiment, when the resource transfer request is for a resource transfer-in bill, multiple sub-bills associated with the resource transfer-in bill are determined, and the second resource account and the resources to be transferred corresponding to the second resource account can be quickly determined based on the sub-bills, thereby improving the efficiency of resource transfer. Therefore, in a scenario where multiple first resource accounts are used for resource transfer, even if resources need to be transferred to multiple second resource accounts at the same time, resources can still be accurately transferred to multiple second resource accounts, thereby realizing a solution for transferring resources from multiple first resource accounts to multiple second resource accounts, and improving the flexibility and efficiency of resource transfer.

[0080] In some embodiments, the resources to be transferred corresponding to each second resource account are transferred to each second resource account respectively, including: for each second resource account, when the target resource account and the second resource account are used to store digital resources, the attribution item of the resources to be transferred of the second resource account is set to represent the attribution party as the second resource account, and the resources to be transferred after the attribution item is set are obtained; and the resources to be transferred after the attribution item is set are transferred to the second resource account.

[0081] Specifically, the attribution item is used to store the identifier of the attribution party of the digital resource. If the target resource account is the resource account of the first user, and the second resource account is the resource account of the second user, then the attribution item of the resource to be transferred stores the identifier of the first user, and the attribution item of the resource to be transferred after the attribution item is set stores the identifier of the second user.

[0082] In this embodiment, when the target resource account and the second resource account are used to store digital resources, the attribution item is set and the resources to be transferred after the attribution item is set are transferred to the second resource account. In this way, in the process of using multiple resource accounts for resource transfer, it is possible to support the use of digital resources for resource transfer, thereby improving the flexibility of resource transfer.

[0083] In some embodiments, receiving a resource transfer request carrying respective identifiers of multiple first resource accounts includes: receiving a resource transfer request carrying respective identifiers of multiple first resource accounts sent by a terminal; the resource transfer request is triggered when the terminal obtains a resource transfer operation triggered through a resource transfer interface; wherein the respective identifiers of the multiple first resource accounts are multiple account identifiers in a selected state in the resource transfer interface.

[0084] Specifically, the terminal can display a resource transfer interface, which can be an interface provided by a resource service platform or an interface provided by a digital resource application. The terminal can display multiple account identifiers of a user, such as a first user, in the resource transfer interface, which triggers the display of the resource transfer interface. The accounts represented by each of the multiple account identifiers belong to the first user. The resource transfer interface can provide a function of selecting multiple account identifiers. For example, the terminal can display multiple account transfer options corresponding to account identifiers in the resource transfer interface. The multiple account transfer options correspond to account identifiers one by one. When the terminal determines that the multiple account transfer options corresponding to the account identifier are in a selected state, it determines that the account identifier is in a selected state. In response to the resource transfer operation triggered by the resource transfer interface, the terminal obtains each account identifier in a selected state and obtains the identifiers of each of the multiple first resource accounts.

[0085] In some embodiments, the resource transfer interface can be an interface for resource transfer for a resource transfer-in bill. The terminal responds to the event generation operation, obtains the event information displayed in the event trigger interface, and sends an event generation request carrying the event information to the business server. The business server responds to the event generation request and generates a resource transfer event based on the event information. The business server sends a bill generation request for the resource transfer event to the resource server. The resource server responds to the bill generation request, obtains the amount of transfer indicated by the resource transfer event, obtains the resource transfer amount, generates a resource transfer-in bill based on the resource transfer amount, generates transfer indication information based on the resource transfer-in bill, and sends the transfer indication information to the terminal, and the resource transfer amount recorded in the resource transfer-in bill. The terminal displays the resource transfer interface corresponding to the resource transfer-in bill based on the transfer indication information, and can display the resource transfer amount in the resource transfer interface. Figure 6 As shown, a schematic diagram of the resource transfer interface is shown. Figure 6 Three account IDs are displayed, namely Account ID 1 to Account ID 3. Account ID 1 to Account ID 3 correspond to multiple account transfer options respectively. The multiple account transfer options corresponding to Account ID 1 and Account ID 3 are selected, and the multiple account transfer option corresponding to Account ID 2 is unselected. The resource transfer amount "200.00" is also displayed in the resource transfer interface.

[0086] In this embodiment, since the respective identifiers of the multiple first resource accounts are multiple account identifiers in a selected state in the resource transfer interface, multiple account identifiers can be selected through the resource transfer interface, which provides convenience for using multiple resource accounts for resource transfer.

[0087] In some embodiments, resources in a target resource account whose amount is consistent with a resource transfer amount are transferred into at least one second resource account to which a resource transfer request indicates the transfer of resources, including: determining at least one second resource account to which a resource transfer request indicates the transfer of resources; for each second resource account, determining a frozen account associated with the second resource account; determining resources in the target resource account whose amount is consistent with the resource transfer amount to obtain resources to be transferred into the second resource account; transferring the resources to be transferred into the second resource account into the frozen account; and when it is determined that the resources to be transferred into the second resource account in the frozen account meet unfreezing conditions, transferring the resources to be transferred from the frozen account to the second resource account.

[0088] Specifically, the resources in the frozen account cannot be used by the second user, but can be viewed. The resources in the second resource account can be freely used by the second user, for example, they can be withdrawn. The resource server responds to the unfreeze instruction for the resources to be transferred into the second resource account, determines that the resources to be transferred into the second resource account in the frozen account meet the unfreezing conditions, and transfers the resources to be transferred from the frozen account to the second resource account. Figure 7 As shown, the resource server first transfers the resources to be transferred into the frozen account, and when the unfreeze instruction is triggered, the resources to be transferred into the second resource account. The unfreeze instruction may be generated by triggering an unfreeze event. The unfreeze event includes but is not limited to the storage time of the resources to be transferred in the frozen account reaching the time threshold, and receiving the event completion operation for the resource transfer event triggered by the first user. The event completion operation is an operation indicating that the resource transfer event is officially ended, and the time threshold can be set as needed, for example, it can be 7 days or 15 days.

[0089] In this embodiment, the resources are first transferred to a frozen account, and then transferred to a second resource account when the unfreezing conditions are met. This can reduce the possibility that the transferred resources cannot be returned normally due to being consumed, thereby improving the security of resource transfer.

[0090] In some embodiments, determining a frozen account associated with the second resource account includes: determining a frozen account of a user to which the second resource account belongs; and determining the frozen account of the user to which the second resource account belongs as the frozen account associated with the second resource account.

[0091] Specifically, the resource server may determine a frozen account of a user to which the second resource account belongs, and determine the frozen account of the user to which the second resource account belongs as a frozen account associated with the second resource account.

[0092] In some embodiments, after opening the second resource account, the resource server may open a frozen account associated with the second resource account.

[0093] In this embodiment, the frozen account of the user to which the second resource account belongs is determined as the frozen account associated with the second resource account, thereby improving the efficiency of determining the frozen account associated with the second resource account.

[0094] In some embodiments, determining the target resource account from at least two first resource accounts includes: when there is a first resource account for storing digital resources among the at least two first resource accounts, determining any first resource account for storing digital resources from the at least two first resource accounts to obtain the target resource account.

[0095] Specifically, each of the at least two first resource accounts is a resource transfer-out account. The target resource account can be any resource transfer-out account. When there is a resource transfer-out account for storing digital resources in each resource transfer-out account, the resource server can determine any resource transfer-out account for storing digital resources from each resource transfer-out account as the target resource account.

[0096] In this embodiment, when there is a resource account for storing digital resources among at least two first resource accounts, any resource account for storing digital resources is determined from the at least two first resource accounts to obtain a target resource account, so that resources can be transferred to the second resource account using digital resources, thereby improving the flexibility of resource transfer.

[0097] In some embodiments, resources in a non-target resource account whose amount is consistent with a corresponding amount to be transferred out are transferred into a target resource account, including: when the resources stored in the non-target resource account are non-digital resources, the non-digital resources in the non-target resource account whose amount is consistent with the corresponding amount to be transferred out are converted into digital resources whose amount is consistent with the corresponding amount to be transferred out; and the converted digital resources are transferred into a target resource account for storing digital resources.

[0098] Specifically, the non-target resource account is a resource transfer-out account other than the target resource account among the resource transfer-out accounts. The non-target resource account may belong to a digital resource account or may not belong to a digital resource account. If the target resource account is used to store digital resources, it means that the target resource account belongs to a digital resource account. In the case where the target resource account belongs to a digital resource account, for the non-target resource account belonging to the digital resource account, the resource server may determine from the non-target resource account the digital resources whose amount is consistent with the amount to be transferred corresponding to the non-target resource account, and transfer the determined digital resources to the target resource account.

[0099] In some embodiments, when the target resource account is a digital resource account, for a non-target resource account that is not a digital resource account, the resource server can determine from the non-target resource account non-digital resources whose amount is consistent with the amount to be transferred corresponding to the non-target resource account, convert the determined non-digital resources into digital resources of the same amount, and transfer the converted digital resources into the target resource account.

[0100] In this embodiment, when the resources stored in the non-target resource account are non-digital resources, the resources with an amount consistent with the amount to be transferred are converted into digital resources, and then the digital resources are transferred to the target resource account used to store digital resources. In this way, in the process of using multiple resource accounts for resource transfer, different forms of resources can be supported, thereby improving the flexibility and efficiency of resource transfer.

[0101] In some embodiments, the resource transfer amount is split according to the balance of at least two first resource accounts among multiple first resource accounts to obtain the amounts to be transferred out corresponding to the at least two first resource accounts, including: taking the resource transfer amount as the amount to be split, and obtaining a resource account set according to the multiple first resource accounts; selecting the resource transfer-out account from the resource account set in turn; when the amount to be split exceeds the balance of the resource transfer-out account, splitting an amount consistent with the balance of the resource transfer-out account from the amount to be split, and taking the split amount as the amount to be transferred out corresponding to the resource transfer-out account; updating the amount to be split according to the remaining amount after the split, removing the resource transfer-out account from the resource account set to update the resource account set, and returning to the step of selecting the resource transfer-out account from the resource account set in turn, until the amount to be split does not exceed the balance of the resource transfer-out account; when the amount to be split does not exceed the balance of the resource transfer-out account, taking the amount to be split as the amount to be transferred out corresponding to the resource transfer-out account.

[0102] Specifically, the resource server may use the set of first resource accounts as the resource account set. After the resource server selects the resource transfer-out account, it compares the balance of the resource transfer-out account with the amount to be split. If the result of the comparison is that the amount to be split exceeds the balance of the resource transfer-out account, the amount to be split is the same as the balance of the resource transfer-out account from the amount to be split, and the split amount is used as the amount to be transferred out corresponding to the resource transfer-out account. If the result of the comparison is that the amount to be split does not exceed the balance of the resource transfer-out account, it means that there is no need to continue splitting, that is, the split is completed, and the amount to be split is used as the amount to be transferred out corresponding to the resource transfer-out account.

[0103] In some embodiments, the resource server may generate a resource transfer bill corresponding to the resource transfer account based on the amount to be transferred corresponding to the resource transfer account. The resource transfer bill records the identifier of the resource transfer account and the amount to be transferred corresponding to the resource transfer account. Figure 8 As shown, it shows the principle diagram of splitting the resource transfer amount and generating the resource transfer-out account. Figure 8 Assume that there are n first resource accounts, and select resource transfer accounts from these n first resource accounts in turn to split the amount to be split. When these n first resource accounts are all used for splitting but have not been split completely, it is determined that the amount is insufficient. When the mth resource transfer account can complete the split, m≤n, the split is completed, and the amount to be transferred corresponding to each of the m resource transfer accounts is obtained. According to the amount to be transferred corresponding to each resource transfer account, a resource transfer bill corresponding to the resource transfer account is generated.

[0104] In this embodiment, the amount to be transferred out corresponding to the resource account is determined according to the balance in the resource account and the resource transfer amount, thereby improving the efficiency of determining the amount to be transferred out.

[0105] In some embodiments, the method also includes: receiving a resource return request for a second resource account, and determining the amount to be returned of the second resource account; determining at least one target resource transfer-out account from each resource transfer-out account according to the amount to be returned, and determining the return amount corresponding to at least one target resource transfer-out account; the return amount corresponding to the target resource transfer-out account is less than or equal to the amount to be transferred corresponding to the target resource transfer-out account; for each target resource transfer-out account, determining from the resource return account a resource whose amount is consistent with the return amount corresponding to the target resource transfer-out account, and obtaining the resources to be returned corresponding to the target resource transfer-out account; and returning the resources to be returned corresponding to each target resource transfer-out account to each target resource transfer-out account.

[0106] Specifically, after transferring resources to the second resource account, the terminal can display the resource return entry corresponding to the second resource account, and the terminal responds to the trigger operation for the resource return entry and sends a resource return request for the second resource account to the resource server. The resource return request can carry the identifier of the second resource account and the amount to be returned, and the amount to be returned is consistent with the amount of resources transferred to the second resource account, that is, the amount to be returned is consistent with the amount of resources to be transferred corresponding to the second resource account.

[0107] In some embodiments, in response to the resource return request, the resource server may transfer the resources in the second resource account whose amount is consistent with the amount to be returned to a resource transfer-out account. Alternatively, the resource server may split the amount to be returned into at least two return amounts, determine the resource transfer-out accounts corresponding to each return amount, and transfer the resources in the second resource account whose amount is consistent with the return amount to the resource transfer-out account corresponding to the return amount, thereby realizing the return of the resources. The amount of resources returned to the resource transfer-out account does not exceed the amount of resources transferred from the resource transfer-out account, that is, the return amount corresponding to the resource transfer-out account does not exceed the amount to be transferred corresponding to the resource transfer-out account, thereby realizing the return of the resources in the original route. For example, there are 2 second resource accounts, namely, second resource account 1 of user 1 and second resource account 2 of user 2, and 2 resource transfer-out accounts, namely, resource transfer-out account 1 and resource transfer-out account 2. The amount to be transferred out corresponding to resource transfer-out account 1 is 15 yuan, and the amount to be transferred out of resource transfer-out account 2 is 15 yuan, totaling 30 yuan. 10 yuan is transferred to second resource account 1 and 20 yuan is transferred to second resource account 2. If resources are returned to second resource account 2 of user 2, 15 yuan of the 20 yuan can be returned to resource transfer-out account 1, and the remaining 5 yuan can be returned to resource transfer-out account 2, or 10 yuan of the 20 yuan can be returned to resource transfer-out account 1, and the remaining 10 yuan can be returned to resource transfer-out account 2.

[0108] In some embodiments, in response to the resource return request, the resource server may divide the amount to be returned equally according to the number of resource transfer-out accounts to obtain an equally divided amount. When the amount of resources to be transferred in corresponding to each resource transfer-out account is not less than the equally divided amount, for each resource transfer-out account, resources with an amount consistent with the equally divided amount are obtained from the second resource account and transferred into the resource transfer-out account.

[0109] In some embodiments, in response to a resource return request, the resource server uses the amount to be returned as the split amount, organizes each resource transfer-out account into a resource transfer-out account set, determines the target resource transfer-out account from the resource transfer-out account set, and when the split amount exceeds the amount to be transferred corresponding to the target resource transfer-out account, splits out an amount consistent with the amount to be transferred from the split amount to obtain the return amount corresponding to the target resource transfer-out account, transfers the resources in the second resource account whose amount is consistent with the return amount to the target resource transfer-out account, and uses the remaining amount of the split amount after the split as the new split amount, removes the target resource transfer-out account from the resource transfer-out account set to update the resource transfer-out account set, and returns to the step of determining the target resource transfer-out account from the resource transfer-out account set until the split amount does not exceed the amount to be transferred corresponding to the target resource transfer-out account, and when the split amount does not exceed the amount to be transferred corresponding to the target resource transfer-out account, transfers the resources in the second resource account whose amount is consistent with the split amount to the target resource transfer-out account. Thus, the return of the resources is completed. Fig. 9 As shown, it shows the principle diagram of splitting the amount to be returned to realize resource return. Fig. 9 In k≥1. In this embodiment, at least one target resource transfer-out account is determined from each resource transfer-out account according to the amount to be returned, and the amount to be returned corresponding to the at least one target resource transfer-out account is determined, and the amount to be returned corresponding to the target resource transfer-out account is less than or equal to the amount to be transferred corresponding to the target resource transfer-out account, so that in the scenario where resources need to be returned, the resources can be returned to the resource transfer-out account by the original route, thereby improving the rationality of resource return.

[0110] In some embodiments, Fig.10 As shown, a resource transfer method is provided, which can be executed by a terminal or a server, or by a terminal and a server together. Figure 1 The resource server in the example is used to illustrate, including the following steps 1002 to 1026. Among them:

[0111] Step 1002: Receive a bill generation request for a resource transfer event triggered by a first user; the bill generation request carries the resource transfer amount indicated by the resource transfer event.

[0112] Step 1004: When the resource transfer event includes multiple sub-events respectively indicating resource transfers to different second users, the amount indicated by each sub-event is determined from the information carried in the bill generation request to obtain the amount to be transferred to each second user.

[0113] The sub-event is an event indicating the transfer of resources to the second user, and different sub-events indicate the transfer of resources to different second users.

[0114] Step 1006: For each second user, a sub-bill corresponding to the second user is generated according to the amount to be transferred of the second user and the account identifier of the second user.

[0115] Step 1008, generating a resource transfer-in bill according to the resource transfer amount, and establishing an association relationship between the resource transfer-in bill and each sub-bill.

[0116] Step 1010, generating transfer instruction information according to the resource transfer-in bill and each sub-bill; the transfer instruction information carries the resource transfer amount recorded in the resource transfer-in bill.

[0117] Step 1012: Return transfer indication information to the terminal of the first user, where the resource transfer indication information is used to trigger the terminal to display a resource transfer interface, and display at least two account identifiers of the first user on the resource transfer interface.

[0118] Step 1014, receiving a resource transfer request for a resource transfer event sent by a terminal of the first user, determining the amount indicated by the resource transfer request to obtain the resource transfer amount; the resource transfer request carries the respective identifiers of multiple first resource accounts; the respective identifiers of the multiple first resource accounts are multiple account identifiers in a selected state in the resource transfer interface.

[0119] Step 1016: split the resource transfer amount according to the balances of at least two first resource accounts among the multiple first resource accounts to obtain the amounts to be transferred out corresponding to the at least two first resource accounts respectively.

[0120] Step 1018: determine a target resource account from at least two first resource accounts; the target resource accounts other than the target resource account in the at least two first resource accounts are non-target resource accounts.

[0121] Step 1020, when the target resource account is a digital resource account and the non-target resource account is not a digital resource account, the resources in the non-target resource account whose amount is consistent with the corresponding amount to be transferred out are converted into digital resources whose amount is consistent with the corresponding amount to be transferred out, and the converted digital resources are transferred to the target resource account.

[0122] Step 1022, determining each sub-bill associated with the resource transfer bill, where the sub-bill corresponds to the second user one-to-one.

[0123] Step 1024, for each sub-bill, determine the account represented by the account identifier recorded in the sub-bill, obtain the second resource account to which the resource transfer request indicates to transfer the resources, determine from the target resource account the resources whose amount is consistent with the amount to be transferred recorded in the sub-bill, and obtain the resources to be transferred in the second resource account.

[0124] Step 1026, for each second resource account, determine the frozen account of the second user to which the second resource account belongs, and transfer the resources to be transferred in the second resource account to the frozen account of the second user to which the second resource account belongs. When it is determined that the resources to be transferred in the second resource account meet the unfreezing conditions, transfer the resources to be transferred in the second resource account from the frozen account to the second resource account.

[0125] In this embodiment, a solution in which multiple resource accounts participate in resource transfer is implemented, so that when multiple resource accounts are required to transfer resources, resource transfer can be quickly implemented, thereby improving the efficiency of resource transfer.

[0126] The resource transfer method provided in the present application can be applied to any application scenario that requires resource transfer, especially in scenarios where a single resource account is insufficient to complete the resource transfer, including but not limited to scenarios that require resource transfer triggered by e-commerce platforms, resource service platforms, entertainment platforms, game platforms, etc.

[0127] For example, a resource transfer event may be triggered and generated by a first user in an e-commerce platform, so that the server of the e-commerce platform may send a bill generation request for the resource transfer event to the resource server. In response to the bill generation request, the resource server generates a resource transfer bill and sub-bills corresponding to each second user when the resource transfer event includes multiple sub-events that respectively indicate resource transfers to different second users. The resource server receives a resource transfer request for a resource transfer event triggered by the first user, splits the resource transfer amount according to the balance of at least two first resource accounts among multiple first resource accounts, obtains the amounts to be transferred out corresponding to at least two first resource accounts, determines the target resource account from the at least two first resource accounts, and for non-target resource accounts other than the target resource account among the at least two first resource accounts, transfers the resources in the non-target resource account that are consistent with the corresponding amounts to be transferred out to the target resource account. For each sub-bill, the resource server determines the account represented by the account identifier recorded in the sub-bill, obtains the second resource account to which the resource transfer request indicates to transfer the resource, determines from the target resource account the resource whose amount is consistent with the amount to be transferred recorded in the sub-bill, obtains the resources to be transferred in the second resource account, and transfers the resources to be transferred corresponding to each second resource account to each second resource account respectively.

[0128] For another example, the first user's terminal displays the resource transfer interface of the resource service platform, and in response to the resource transfer operation triggered by the resource transfer interface, obtains the resource transfer amount input into the resource transfer interface and the identifiers of multiple first resource accounts, and sends a resource transfer request. In response to the resource transfer request, the resource server splits the resource transfer amount according to the balance of at least two first resource accounts among the multiple first resource accounts, obtains the amounts to be transferred out corresponding to the at least two first resource accounts, determines the target resource account from the at least two first resource accounts, and for non-target resource accounts other than the target resource accounts among the at least two first resource accounts, transfers the resources in the non-target resource accounts that are consistent with the corresponding amounts to be transferred out to the target resource account. The resource transfer server determines the second resource account that the resource transfer request indicates to transfer resources to, and transfers the resources in the target resource account that are consistent with the resource transfer amount to the second resource account. The identifier of the second resource account can be carried in the resource transfer request, and the identifier of the second resource account can be obtained from the resource transfer interface.

[0129] 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.

[0130] Based on the same inventive concept, the embodiment of the present application also provides a resource transfer device for implementing the resource transfer 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 device embodiments provided below can refer to the limitations on the resource transfer method above, and will not be repeated here.

[0131] In some embodiments, Fig.11 As shown, a resource transfer device is provided, including: a transfer amount determination module 1102, a transfer-out amount determination module 1104, an account determination module 1106, a first resource transfer-in module 1108 and a second resource transfer-out module 1110, wherein:

[0132] The transfer amount determination module 1102 is configured to receive a resource transfer request carrying respective identifiers of a plurality of first resource accounts, and determine a resource transfer amount indicated by the resource transfer request.

[0133] The transfer amount determination module 1104 is used to split the resource transfer amount according to the balances of at least two first resource accounts among the multiple first resource accounts to obtain the amounts to be transferred corresponding to the at least two first resource accounts.

[0134] The account determination module 1106 is configured to determine a target resource account from at least two first resource accounts.

[0135] The first resource transfer module 1108 is configured to transfer resources whose amounts in the non-target resource accounts other than the target resource account in at least two first resource accounts are consistent with the corresponding amounts to be transferred out into the target resource account.

[0136] The second resource transfer module 1110 is configured to transfer resources in the target resource account whose amount is consistent with the resource transfer amount into at least one second resource account indicated by the resource transfer request.

[0137] In some embodiments, the first resource account is a resource account of the first user; the transfer amount determination module 1102 is also used to receive a resource transfer request for a resource transfer event that carries the identifiers of multiple first resource accounts; the resource transfer event indicates a transfer of resources to a resource account of at least one second user; the amount indicated by the resource transfer event is obtained, and the resource transfer amount indicated by the resource transfer request is obtained.

[0138] In some embodiments, the resource transfer device also includes a bill generation module, which is used to receive a bill generation request for a resource transfer event; when the resource transfer event includes multiple sub-events that respectively indicate the transfer of resources to different second users, the amount of transfer indicated by each sub-event is determined from the information carried by the bill generation request, and the amount to be transferred for each second user is obtained; for each second user, a sub-bill corresponding to the second user is generated according to the amount to be transferred of the second user and the account identifier of the second user; a resource transfer bill associated with the resource transfer event is generated according to the resource transfer amount, and an association relationship between the resource transfer bill and each sub-bill is established.

[0139] In some embodiments, the second resource transfer module 1110 is also used to determine the resource transfer bill associated with the resource transfer event targeted by the resource transfer request; determine the sub-bills associated with the resource transfer bill; for each sub-bill, determine the account represented by the account identifier recorded in the sub-bill, obtain the second resource account to which the resource transfer request indicates to transfer the resources, and determine from the target resource account the resources whose amount is consistent with the amount to be transferred recorded in the sub-bill, to obtain the resources to be transferred corresponding to the second resource account; and transfer the resources to be transferred corresponding to each second resource account into each second resource account respectively.

[0140] In some embodiments, the second resource transfer module 1110 is also used to, for each second resource account, when the target resource account and the second resource account are used to store digital resources, set the ownership item of the resources to be transferred in the second resource account to represent the ownership as the second resource account, and obtain the resources to be transferred after the ownership item is set; and transfer the resources to be transferred after the ownership item is set into the second resource account.

[0141] In some embodiments, the transfer amount determination module 1102 is also used to receive a resource transfer request sent by a terminal and carrying the respective identifiers of multiple first resource accounts; the resource transfer request is triggered when the terminal obtains a resource transfer operation triggered through a resource transfer interface; wherein, the respective identifiers of the multiple first resource accounts are multiple account identifiers that are selected in the resource transfer interface.

[0142] In some embodiments, the second resource transfer module 1110 is also used to determine at least one second resource account to which the resource transfer request indicates the transfer of resources; for each second resource account, determine the frozen account associated with the second resource account; determine resources whose amount is consistent with the resource transfer amount from the target resource account, and obtain the resources to be transferred in the second resource account; transfer the resources to be transferred in the second resource account to the frozen account; when it is determined that the resources to be transferred in the second resource account in the frozen account meet the unfreezing conditions, transfer the resources to be transferred from the frozen account to the second resource account.

[0143] In some embodiments, the second resource transfer module 1110 is further used to determine a frozen account of a user to which the second resource account belongs; and determine the frozen account of the user to which the second resource account belongs as a frozen account associated with the second resource account.

[0144] In some embodiments, the account determination module 1106 is further configured to determine any first resource account for storing digital resources from the at least two first resource accounts to obtain a target resource account when there is a first resource account for storing digital resources among the at least two first resource accounts.

[0145] In some embodiments, the first resource transfer module 1108 is also used to convert the non-digital resources in the non-target resource account whose amount is consistent with the corresponding amount to be transferred out into digital resources whose amount is consistent with the corresponding amount to be transferred out, when the resources stored in the non-target resource account are non-digital resources; and transfer the converted digital resources to the target resource account for storing digital resources.

[0146] In some embodiments, the transfer amount determination module 1104 is also used to use the resource transfer amount as the amount to be split, and obtain a resource account set based on multiple first resource accounts; select the resource transfer account from the resource account set in turn; when the amount to be split exceeds the balance of the resource transfer-out account, split an amount consistent with the balance of the resource transfer-out account from the amount to be split, and use the split amount as the amount to be transferred corresponding to the resource transfer-out account; update the amount to be split according to the remaining amount after the split of the amount to be split, remove the resource transfer-out account from the resource account set to update the resource account set, and return to the step of selecting the resource transfer-out account from the resource account set in turn, until the amount to be split does not exceed the balance of the resource transfer-out account; when the amount to be split does not exceed the balance of the resource transfer-out account, use the amount to be split as the amount to be transferred corresponding to the resource transfer-out account.

[0147] In some embodiments, the resource transfer device also includes a resource return module, which is used to receive a resource return request for a second resource account and determine the amount to be returned of the second resource account; determine at least one target resource transfer-out account from each resource transfer-out account based on the amount to be returned, and determine the return amount corresponding to at least one target resource transfer-out account; the return amount corresponding to the target resource transfer-out account is less than or equal to the amount to be transferred corresponding to the target resource transfer-out account; for each target resource transfer-out account, determine from the resource return account a resource whose amount is consistent with the return amount corresponding to the target resource transfer-out account, and obtain the resources to be returned corresponding to the target resource transfer-out account; return the resources to be returned corresponding to each target resource transfer-out account to each target resource transfer-out account.

[0148] Each module in the resource transfer 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.

[0149] In some embodiments, a computer device is provided, which may be a server, and its internal structure diagram may be as follows: Fig.12As shown. 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 through a system bus, and the communication interface is connected to the system bus through 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 involved in the resource transfer method. 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 through a network connection. When the computer program is executed by the processor, a resource transfer method is implemented.

[0150] In some embodiments, a computer device is provided. The computer device may be a terminal, and its internal structure diagram may be as follows: Fig.13 As shown. The computer device includes a processor, a memory, an input / output interface, a communication interface, a display unit and an input device. Among them, the processor, the memory and the input / output interface are connected through a system bus, and the communication interface, the display unit and the input device are connected to the system bus through the input / output interface. Among them, 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 and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The input / output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used to communicate with an external terminal in a wired or wireless manner, and the wireless manner can be implemented through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. When the computer program is executed by the processor, a resource transfer method is implemented. The display unit of the computer device is used to form a visually visible picture, which can be a display screen, a projection device or a virtual reality imaging device. The display screen can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer device can be a touch layer covering the display screen, or a button, trackball or touchpad set on the computer device shell, or an external keyboard, touchpad or mouse.

[0151] Those skilled in the art will understand that Fig.12 and Fig.13The structure shown in the figure is only a block diagram of a part of the 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 those shown in the figure, or combine certain components, or have a different arrangement of components.

[0152] In some embodiments, a computer device is 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 resource transfer method when executing the computer program.

[0153] 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 resource transfer method are implemented.

[0154] In one embodiment, a computer program product is provided, including a computer program, which implements the steps in the above resource transfer method when executed by a processor.

[0155] 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.

[0156] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods 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 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), magnetoresistive 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, etc., but are not limited to this.

[0157] 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 specification.

[0158] 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 construed as limiting the scope of the present application. It should be noted that, for a person of ordinary skill in the art, several modifications 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 method, It is characterized in that The method comprises: receiving a resource transfer request carrying respective identifiers of a plurality of first resource accounts, and determining a resource transfer amount indicated by the resource transfer request; Splitting the resource transfer amount according to the balance of at least two first resource accounts among the multiple first resource accounts to obtain the amounts to be transferred out corresponding to the at least two first resource accounts respectively; determining a target resource account from the at least two first resource accounts; For non-target resource accounts other than the target resource account among the at least two first resource accounts, transferring resources in the non-target resource accounts whose amounts are consistent with the corresponding amounts to be transferred out into the target resource account; The resources in the target resource account whose amount is consistent with the resource transfer amount are transferred to at least one second resource account indicated by the resource transfer request.

2. The method according to claim 1, It is characterized in that The first resource account is a resource account of a first user; The receiving a resource transfer request carrying respective identifiers of a plurality of first resource accounts, and determining a resource transfer amount indicated by the resource transfer request, comprises: receiving a resource transfer request carrying identifiers of respective first resource accounts and for a resource transfer event; the resource transfer event indicates transferring resources to a resource account of at least one second user; The amount transferred indicated by the resource transfer event is obtained, and the amount of resource transfer transferred indicated by the resource transfer request is obtained.

3. The method according to claim 2, It is characterized in that The receiving of the resource transfer request carrying the identifiers of the plurality of first resource accounts and for the resource transfer event also includes: receiving a bill generation request for the resource transfer event; When the resource transfer event includes a plurality of sub-events respectively indicating resource transfers to different second users, determining the amount of transfer indicated by each sub-event from the information carried in the bill generation request, and obtaining the amount to be transferred to each second user; For each of the second users, generating a sub-bill corresponding to the second user according to the amount to be transferred by the second user and the account identifier of the second user; A resource transfer-in bill associated with the resource transfer event is generated according to the resource transfer amount, and an association relationship between the resource transfer-in bill and each of the sub-bills is established.

4. The method according to claim 3, It is characterized in that The step of transferring the resources in the target resource account with an amount consistent with the resource transfer amount into at least one second resource account indicated by the resource transfer request to transfer the resources comprises: Determining the resource transfer bill associated with the resource transfer event targeted by the resource transfer request; Determining each sub-bill associated with the resource transfer bill; For each of the sub-bills, determine the account represented by the account identifier recorded in the sub-bill, obtain the second resource account to which the resource transfer request indicates to transfer the resource, and determine the resource whose amount is consistent with the amount to be transferred recorded in the sub-bill from the target resource account, and obtain the resource to be transferred corresponding to the second resource account; The resources to be transferred corresponding to each of the second resource accounts are transferred to each of the second resource accounts respectively.

5. The method according to claim 4, It is characterized in that The transferring the resources to be transferred corresponding to each of the second resource accounts to each of the second resource accounts respectively includes: For each second resource account, when the target resource account and the second resource account are used to store digital resources, the attributed party item of the to-be-transferred resources of the second resource account is set to indicate that the attributed party is the second resource account, and the to-be-transferred resources after the attributed party item is set are obtained; The resources to be transferred after the attribution item is set are transferred to the second resource account.

6. The method according to claim 1, It is characterized in that The receiving a resource transfer request carrying respective identifiers of a plurality of first resource accounts includes: receiving a resource transfer request sent by a terminal and carrying respective identifiers of a plurality of first resource accounts; the resource transfer request is triggered when the terminal obtains a resource transfer operation triggered through a resource transfer interface; The identifiers of the multiple first resource accounts are the multiple account identifiers that are selected in the resource transfer interface.

7. The method according to claim 1, It is characterized in that The step of transferring the resources in the target resource account with an amount consistent with the resource transfer amount into at least one second resource account indicated by the resource transfer request to transfer the resources comprises: determining at least one second resource account to which the resource transfer request indicates the transfer of resources; For each of the second resource accounts, determining a frozen account associated with the second resource account; Determine resources whose amount is consistent with the resource transfer amount from the target resource account, and obtain the resources to be transferred into the second resource account; Transferring the resources to be transferred in the second resource account to the frozen account; When it is determined that the resources to be transferred into the second resource account in the frozen account meet the unfreezing condition, the resources to be transferred into the second resource account are transferred from the frozen account.

8. The method according to claim 7, It is characterized in that The determining the frozen account associated with the second resource account includes: Determining a frozen account of a user to which the second resource account belongs; A frozen account of a user to which the second resource account belongs is determined as a frozen account associated with the second resource account.

9. The method according to claim 1, It is characterized in that The determining the target resource account from the at least two first resource accounts includes: When there is a first resource account for storing digital resources among the at least two first resource accounts, any first resource account for storing digital resources is determined from the at least two first resource accounts to obtain a target resource account.

10. The method according to claim 9, It is characterized in that The transferring of resources in the non-target resource account with an amount consistent with the corresponding amount to be transferred out into the target resource account includes: In the case where the resources stored in the non-target resource account are non-digital resources, converting the non-digital resources in the non-target resource account whose amount is consistent with the corresponding amount to be transferred out into digital resources whose amount is consistent with the corresponding amount to be transferred out; The converted digital resources are transferred to the target resource account for storing digital resources.

11. The method according to any one of claims 1 to 10, It is characterized in that The step of splitting the resource transfer amount according to the balance of at least two first resource accounts among the multiple first resource accounts to obtain the amounts to be transferred out corresponding to the at least two first resource accounts respectively includes: Using the resource transfer amount as the amount to be split, and obtaining a resource account set according to the multiple first resource accounts; Selecting resource transfer-out accounts from the resource account set in sequence; When the amount to be split exceeds the balance of the resource transfer-out account, split an amount consistent with the balance of the resource transfer-out account from the amount to be split, and use the split amount as the amount to be transferred corresponding to the resource transfer-out account; updating the amount to be split according to the remaining amount after splitting the amount to be split, removing the resource transfer-out account from the resource account set to update the resource account set, and returning to the step of selecting resource transfer-out accounts from the resource account set in sequence until the amount to be split does not exceed the balance of the resource transfer-out account; When the amount to be split does not exceed the balance of the resource transfer-out account, the amount to be split is used as the amount to be transferred out corresponding to the resource transfer-out account.

12. The method according to claim 11, It is characterized in that The method further comprises: receiving a resource return request for the second resource account, and determining an amount to be returned in the second resource account; Determine at least one target resource transfer-out account from each of the resource transfer-out accounts according to the amount to be returned, and determine the return amount corresponding to each of the at least one target resource transfer-out account; the return amount corresponding to the target resource transfer-out account is less than or equal to the amount to be transferred corresponding to the target resource transfer-out account; For each of the target resource transfer-out accounts, determine from the resource return account the resources whose amount is consistent with the return amount corresponding to the target resource transfer-out account, and obtain the to-be-returned resources corresponding to the target resource transfer-out account; The resources to be returned corresponding to each target resource transfer-out account are returned to each target resource transfer-out account.

13. A resource transfer device, It is characterized in that The device comprises: A transfer amount determination module, configured to receive a resource transfer request carrying respective identifiers of a plurality of first resource accounts, and determine a resource transfer amount indicated by the resource transfer request; A transfer amount determination module, configured to split the resource transfer amount according to the balances of at least two first resource accounts among the multiple first resource accounts, to obtain the amounts to be transferred corresponding to the at least two first resource accounts respectively; An account determination module, configured to determine a target resource account from the at least two first resource accounts; A first resource transfer module is used to transfer resources whose amounts in the non-target resource accounts other than the target resource account among the at least two first resource accounts are consistent with the corresponding amounts to be transferred out into the target resource account; The second resource transfer module is used to transfer the resources in the target resource account with an amount consistent with the resource transfer amount into at least one second resource account indicated by the resource transfer request.

14. A computer device comprising a memory and a processor, wherein the memory stores a computer program. It is characterized in that When the processor executes the computer program, the steps of the method according to any one of claims 1 to 12 are implemented.

15. A computer-readable storage medium having a computer program stored thereon, It is 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 12 are implemented.

16. A computer program product comprising a computer program, It is 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 12 are implemented.

Images