Data transfer processing

Abstract

Disclosed in the present description are a data transfer processing method and apparatus, and a storage medium and an electronic device. In the method, a service activation request of a user end is received by a service platform, the user end interfaces with a plurality of data transfer service ends, data transfer service activation results of the plurality of data transfer service ends are filtered by the service platform, and bidirectional matching between the data transfer service ends and the user end is performed on the basis of a data transfer request of the user end for a data transfer service.

Description

Data transfer processing Technical Field

[0001] This specification relates to the field of data processing technology, and in particular to a data transfer processing method, device, storage medium, and electronic device. Background Art

[0002] In recent years, with the rapid development of information technology, the use of the internet to transfer resource data has become a common method of data transfer. Due to limited resource data, data transfer service agencies inevitably need to collaborate with external data transfer service agencies to serve more clients. When multiple data transfer service agencies provide data transfer services to clients, due to different entry barriers, the data transfer services provided to clients vary significantly.

[0003] Summary of the Invention

[0004] This specification provides a data transfer processing method, device, storage medium and electronic device, and the technical solution is as follows.

[0005] In the first aspect, the present specification provides a data transfer processing method, which is applied to a service platform, and the method includes: receiving a service activation request from a user terminal for a data transfer service, and in response to the service activation request, triggering a joint service application process for at least two data transfer service terminals; obtaining data credit information of the user terminal, and sending the data credit information to the at least two data transfer service terminals, so that each of the data transfer service terminals performs service activation approval processing on the data credit information to obtain a data transfer service activation result; obtaining data transfer service activation results of at least two data transfer service terminals, determining a target data transfer service terminal based on each data transfer service activation result, receiving a data transfer request from the user terminal for the data transfer service, and performing data transfer processing on the user terminal for the data transfer request based on the target data transfer service terminal.

[0006] In the second aspect, the present specification provides a data transfer processing device, which is applied to a service platform, and the device includes: a receiving module, which is suitable for receiving a service activation request from a user terminal for a data transfer service, and triggering a joint service application process for at least two data transfer service terminals in response to the service activation request; an acquisition module, which is suitable for obtaining the data credit information of the user terminal, and sending the data credit information to the at least two data transfer service terminals, so that each of the data transfer service terminals performs service activation approval processing on the data credit information to obtain a data transfer service activation result; a data transfer module, which is suitable for obtaining the data transfer service activation results of at least two data transfer service terminals, determining the target data transfer service terminal based on each data transfer service activation result, receiving the data transfer request from the user terminal for the data transfer service, and performing data transfer processing on the user terminal for the data transfer request based on the target data transfer service terminal.

[0007] In a third aspect, this specification provides a computer storage medium, wherein the computer storage medium stores a plurality of instructions, wherein the instructions are suitable for being loaded by a processor and executing the above-mentioned method steps.

[0008] In a fourth aspect, this specification provides an electronic device, which may include: a processor and a memory; wherein the memory stores a computer program, and the computer program is suitable for being loaded by the processor and executing the above-mentioned method steps.

[0009] In a fifth aspect, this specification provides a computer program product, which stores at least one instruction, and the at least one instruction is loaded by a processor to execute any one of the above method steps.

[0010] The beneficial effects brought about by the technical solutions provided in some embodiments of this specification include at least: while using the service platform to accept the service activation request of the user terminal, it connects with multiple data transfer service terminals, and screens the data transfer service activation results of multiple data transfer service terminals through the service platform to achieve two-way matching between the data transfer service terminal and the user terminal, and realizes the joint provision of data transfer services suitable for the user terminal by multiple data transfer service terminals, thereby solving the technical problem that when multiple data transfer service agencies provide data transfer services to customers, there are large differences in the data transfer services provided to customers due to different entry thresholds of different data transfer service agencies. BRIEF DESCRIPTION OF THE DRAWINGS

[0011] In order to more clearly illustrate the technical solutions in this specification or the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments of this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0012] FIG1 is a schematic diagram of a scenario of a data transfer processing system provided in this specification.

[0013] FIG2 is a flow chart of a data transfer processing method provided in one or more embodiments of this specification.

[0014] FIG3 is a flowchart of a process for triggering a joint operation service application process proposed in one or more embodiments of this specification.

[0015] FIG4 is a schematic diagram of a process of determining at least two data transfer servers for a user terminal from candidate data transfer servers, proposed in one or more embodiments of this specification.

[0016] FIG5 is a schematic diagram of a process of performing data transfer processing on a user terminal proposed in one or more embodiments of this specification.

[0017] FIG6 is a flowchart of a data transfer process embodiment proposed in one or more embodiments of this specification.

[0018] FIG7 is a flowchart illustrating a method for determining a pre-approval result of data transfer according to one or more embodiments of this specification.

[0019] FIG8 is a flowchart of determining a risk control approval result proposed in one or more embodiments of this specification.

[0020] FIG9 is a schematic diagram of a process for screening a target data lending server proposed in one or more embodiments of this specification.

[0021] FIG10 is a schematic diagram of the structure of a data transfer processing device provided in an embodiment of this specification.

[0022] FIG11 is a schematic structural diagram of an electronic device provided in this specification.

[0023] FIG12 is a schematic diagram of the structure of the operating system and user space provided in this specification.

[0024] FIG13 is an architectural diagram of the Android operating system in FIG12 .

[0025] FIG14 is an architectural diagram of the IOS operating system in FIG12 . DETAILED DESCRIPTION

[0026] The following will clearly and completely describe the technical solutions in this specification in conjunction with the accompanying drawings. Obviously, the embodiments described are only some of the embodiments in this specification, not all of them. Based on the embodiments in this specification, all other embodiments obtained by ordinary technicians in this field without making any creative efforts are within the scope of protection of this specification.

[0027] In the description of this specification, it should be understood that the terms "first", "second", etc. are used for descriptive purposes only and should not be understood as indicating or implying relative importance. In the description of this specification, it should be noted that, unless otherwise expressly specified and limited, "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps or units is not limited to the listed steps or units, but may optionally include steps or units that are not listed, or may optionally include other steps or units inherent to these processes, methods, products or devices. For those of ordinary skill in the art, the specific meanings of the above terms in this specification can be understood according to the specific circumstances. In addition, in the description of this specification, unless otherwise specified, "multiple" refers to two or more. "And / or" describes the association relationship of associated objects, indicating that three relationships can exist. For example, A and / or B can represent: A exists alone, A and B exist at the same time, and B exists alone. The character " / " generally indicates that the associated objects before and after are in an "or" relationship.

[0028] In recent years, with the rapid development of information technology, transferring resource data via the internet has become a common method of data transfer. With existing technology, limited data resources within self-operated data transfer institutions make it difficult to meet the growing demand for more data from a growing number of users over time, necessitating collaboration with external data transfer institutions to serve a wider range of users. However, collaboration across numerous data transfer institutions presents significant discrepancies, resulting in a poor user experience due to varying risk profiles, customer access requirements, and data resource requirements.

[0029] In order to solve the above technical problems, the embodiments of this specification provide a data transfer processing method, which uses a service platform to accept the service activation request of the user terminal while connecting with multiple data transfer service terminals. The service platform screens the data transfer service activation results of multiple data transfer service terminals to achieve two-way matching between the data transfer service terminal and the user terminal, and realizes the joint use of multiple data transfer service terminals to provide the user terminal with data transfer services suitable for the user terminal, thereby solving the technical problem that when multiple data transfer service agencies provide data transfer services to customers, there are large differences in the data transfer services provided to customers due to different entry thresholds of different data transfer service agencies.

[0030] The present specification is described in detail below with reference to specific embodiments.

[0031] Please refer to Figure 1, which is a schematic diagram of a data transfer processing system provided in this specification. As shown in Figure 1, the data transfer processing system may include at least a user-side cluster and a service platform 100.

[0032] The user terminal cluster may include at least one user terminal, as shown in FIG1 , specifically including user terminal 1 corresponding to user 1, user terminal 2 corresponding to user 2, ..., user terminal n corresponding to user n, where n is an integer greater than 0.

[0033] Each user terminal in the user terminal cluster can be an electronic device with communication capabilities, including but not limited to wearable devices, handheld devices, personal computers, tablet computers, in-vehicle devices, smartphones, computing devices, or other processing devices connected to a wireless modem. Electronic devices can be called different names in different networks, such as user equipment, access terminal, subscriber unit, subscriber station, mobile station, mobile station, remote station, remote terminal, mobile device, user terminal, terminal, wireless communication device, user agent or user device, cellular phone, cordless phone, personal digital assistant (PDA), electronic devices in 5G network or future evolution network, etc.

[0034] The service platform 100 can be a separate server device, such as a rack-mounted, blade, tower, or cabinet-mounted server device, or a workstation, mainframe computer, or other hardware device with strong computing capabilities; it can also be a server cluster composed of multiple servers. The servers in the service cluster can be symmetrically composed, wherein each server has equivalent functions and status in the transaction link, and each server can provide services to the outside world independently. The independent service can be understood as not requiring the assistance of other servers.

[0035] In one or more embodiments of the present specification, the service platform 100 may establish a communication connection with at least one user terminal in the user terminal cluster, and complete data interaction during the data transfer processing based on the communication connection, such as online transaction data interaction. For example, the service platform 100 may recommend content to the user terminal based on the target neural network model obtained based on the data transfer processing method of the present specification; for example, the service platform 100 may obtain training data from the user terminal, such as the first training data.

[0036] It should be noted that the service platform 100 and at least one user terminal in the user terminal cluster establish a communication connection through a network for interactive communication, wherein the network can be a wireless network or a wired network, the wireless network includes but is not limited to a cellular network, a wireless local area network, an infrared network or a Bluetooth network, and the wired network includes but is not limited to Ethernet, a universal serial bus (USB) or a controller area network. In one or more embodiments of the specification, technologies and / or formats including Hypertext Markup Language (HTML) and Extensible Markup Language (XML) are used to represent data exchanged over the network (such as a target compressed package). In addition, conventional encryption technologies such as Secure Socket Layer (SSL), Transport Layer Security (TLS), Virtual Private Network (VPN), and Internet Protocol Security (IPsec) can also be used to encrypt all or some links. In other embodiments, customized and / or dedicated data communication technologies can also be used to replace or supplement the above-mentioned data communication technologies.

[0037] The data transfer processing system embodiments provided in this specification share the same concept as the data transfer processing methods described in one or more embodiments. The execution entity corresponding to the data transfer processing methods described in one or more embodiments of this specification can be the aforementioned service platform 100; the execution entity corresponding to the data transfer processing methods described in one or more embodiments of this specification can also be the electronic device corresponding to the user end, depending on the actual application environment. The implementation process of the data transfer processing system embodiments can be found in the following method embodiments and will not be further described here.

[0038] Based on the scenario diagram shown in FIG1 , the data transfer processing method provided by one or more embodiments of this specification is described in detail below.

[0039] Please refer to Figure 2, which is a flow chart illustrating a data transfer processing method provided in accordance with one or more embodiments of this specification. This method can be implemented using a computer program and run on a data transfer processing device based on the von Neumann architecture. The computer program can be integrated into an application or run as a standalone tool application. The data transfer processing device can be a service platform.

[0040] Specifically, the data transfer processing method includes the following steps.

[0041] S202: Receive a service activation request for a data transfer service from a user terminal, and in response to the service activation request, trigger a joint service application process for at least two data transfer service terminals.

[0042] The user is the data borrower in the data transfer service, and the data transfer server is the data lender. Data in the data transfer service includes, but is not limited to, any type of valuable information, data, metadata, and attributes. It can be raw, structured, or even semi-structured. Specifically, data can be a digital representation of an entity, such as a traded item or currency.

[0043] The service platform receives a service activation request from a user for the data transfer service. The service activation request is used to request activation of the data transfer service for the user who issued the service activation request. The user can send a service activation request to the service platform by clicking a target area on the display screen with a mouse, touching a target area on the touch screen with a finger, using voice recognition, or using air gesture recognition.

[0044] After the service platform receives the service activation request for the data transfer service from the user end, the service platform responds to the service activation request and controls the triggering of a joint service application process for at least two data transfer service ends, so that two or more data transfer service ends can respond to the service activation request for the data transfer service from the user end, thereby avoiding the situation where a single data transfer service end is unable to provide data transfer services to more users due to its limited data resources. In addition, based on the service platform, multiple data transfer service ends can be connected to one user end, and two-way matching and screening between the data transfer service end and the user end can be achieved while still providing data transfer services to users.

[0045] S204: Acquire data credit information of the user end, and send the data credit information to at least two data transfer service ends, so that each data transfer service end performs service activation approval processing on the data credit information to obtain a data transfer service activation result.

[0046] After obtaining authorization from the user, the service platform can obtain the user's data credit information. This data credit information may include basic information of the user bound to the user, as well as data transaction information of the user bound to the user. Specifically, basic information of the user bound to the user on the user side may include the user's basic identity information, educational background, marital status, residence information, occupation information, etc. Data transaction information of the user bound to the user on the user side may include detailed and summarized information on the user's data transfer on the credit data transfer service platform.

[0047] After the service platform sends the data credit information to at least two data transfer service terminals, each data transfer service terminal performs service activation approval processing for the data credit information, and each data transfer service terminal obtains its own corresponding data transfer service activation result based on its own service activation approval requirements, so that the user terminal can be screened on the data transfer service terminal side. Generally, since there are multiple data transfer service terminals, there are still data transfer service terminals that can activate the data transfer service after screening. It should be noted here that the at least two data transfer service terminals can include a self-operated data transfer service terminal and a joint data transfer service terminal. The self-operated data transfer service terminal can be a service terminal provided by the service platform, and the joint data transfer service terminal can be a service terminal jointly operated with the self-operated data transfer service terminal. There can be one or more joint data transfer service terminals jointly operated with the self-operated data transfer service terminal.

[0048] S206: Obtain data transfer service activation results of at least two data transfer service terminals, determine a target data transfer service terminal based on the activation results of each data transfer service, receive a data transfer request from the user terminal for the data transfer service, and perform data transfer processing on the user terminal for the data transfer request based on the target data transfer service terminal.

[0049] After each data transfer server completes service activation approval processing for the data credit information and receives a data transfer service activation result, the service platform obtains the data transfer service activation results of at least two data transfer servers. Each data transfer server's data transfer service activation result is determined based on its own data transfer service activation standards, and therefore, the data transfer service activation results of different data transfer servers may vary. If the data transfer service activation result indicates successful activation, the data transfer server corresponding to the successful data transfer service activation result becomes the target data transfer server.

[0050] Afterward, when the service platform receives a data transfer request from a user for the data transfer service, it provides the data transfer service to the user based on the previously determined target data transfer service. Specifically, the service platform performs data transfer processing for the user based on the target data transfer service. The data transfer request may include information related to the data transfer, such as the amount of data to be transferred.

[0051] In the embodiments provided herein, a data borrower (a user terminal, such as a merchant, store, or buyer) can submit a service activation request to the data transfer service provided by the service platform. The data transfer service in the service platform is used to transfer data from a data lender (a data transfer service terminal, such as a lending institution or bank) to the data borrower. The data borrower can open a corresponding application interface on the user terminal to submit a service activation request to the data transfer service provided by the service platform. This application interface can be a payment application on the user terminal, or an instant messaging application running on the user terminal, such as a payment interface within an instant messaging application, a transfer interface within an instant messaging application, or a payment interface within a corresponding merchant application. After the data transfer server has processed the data credit information for service activation and approval and obtained the data transfer service activation result, the target data transfer server is determined. After receiving the data transfer request for the data transfer service from the user end, the data transfer process is implemented based on the service platform transferring the corresponding data of the data lender to the data borrower, such as transferring the corresponding data of the corresponding data account of the target data transfer server to the corresponding data account of the user end to complete this data transfer process.

[0052] In this specification, a data transfer processing method is provided. With the help of a service platform, while accepting the service activation request of the user terminal, it connects with multiple data transfer service terminals. The data transfer service activation results of multiple data transfer service terminals are screened through the service platform to achieve two-way matching between the data transfer service terminal and the user terminal, and realize the joint provision of data transfer services suitable for the user terminal to the user terminal by multiple data transfer service terminals, thereby solving the technical problem that when multiple data transfer service agencies provide data transfer services to customers, there are large differences in the data transfer services provided to customers due to different entry thresholds of different data transfer service agencies.

[0053] In an embodiment provided in this specification, in response to a service activation request in S201, a joint service application process for at least two data transfer service terminals is triggered, including: performing authentication processing on the user terminal based on the service activation request to obtain an authentication result, determining that the user terminal authentication is passed based on the authentication result, and triggering a joint service application process for at least two data transfer service terminals in response to the service activation request.

[0054] When performing identity verification on the user terminal based on the service activation request, face recognition authentication can be performed on the user bound to the user terminal based on the service activation request to obtain a first authentication result; and / or, SMS verification can be performed on the user terminal based on the service activation request to obtain a second authentication result; based on the first authentication result and / or the second authentication result, it is determined whether the user terminal has passed the identity verification. When only face recognition authentication is performed on the user bound to the user terminal, when the first authentication result is a successful face authentication, the user terminal passes the identity verification; when the first authentication result is a failed face authentication, the user terminal fails the identity verification. When only SMS verification is performed on the user terminal, when the second authentication result is a successful SMS authentication, the user terminal passes the identity verification; when the first authentication result is a failed SMS authentication, the user terminal fails the identity verification.

[0055] When dual authentication is performed on a user terminal using facial recognition and SMS verification, the user terminal passes authentication if both the first authentication result is a successful facial authentication and the second authentication result is a successful SMS authentication. Otherwise, the user terminal fails authentication. After determining that the user terminal has passed authentication, the service platform triggers the joint service application process for at least two data transfer service terminals in response to the service activation request.

[0056] In the embodiment of the present specification, authentication of the user terminal is performed to ensure that the service activation request for the data transfer service is initiated by the user terminal, thereby improving the security factor of the data transfer service process.

[0057] Please refer to Figure 3, which is a flowchart of a process for triggering a joint service application process proposed in one or more embodiments of this specification. Specifically, in the above embodiment, in response to a service activation request, triggering a joint service application process for at least two data transfer servers includes the following steps.

[0058] S302: Acquire service browsing information of the user end, and acquire request processing load information corresponding to the candidate data transfer server end.

[0059] Obtain the user's service browsing information for data transfer services and determine the user's preference for a data transfer server based on the user's service browsing information. Obtain the request processing load information corresponding to the candidate data transfer servers to determine the request processing load of each candidate data transfer server. If the request processing load pressure on the candidate data transfer server is high, subsequent requests can be diverted to other data transfer servers.

[0060] S304: Determine at least two data transfer servers for the user terminal from the candidate data transfer servers based on the service browsing information and the request processing load information, and trigger a joint service application process for the at least two data transfer servers in response to the service activation request.

[0061] Among them, the service browsing information and request processing load information can be integrated to determine the user terminal's preference information for selecting a data transfer server and the request processing load of each alternative data transfer server, so as to comprehensively determine at least two data transfer servers for the user terminal from the alternative data transfer servers. The alternative data transfer server can be an alternative data transfer server connected to the service platform. Afterwards, in response to the service activation request, a joint service application process for at least two data transfer servers is triggered.

[0062] Of course, the preference information of the user terminal for selecting the data transfer server can also be determined based on the service browsing information, thereby determining at least one data transfer server for the user terminal from the alternative data transfer servers, and based on the request processing load of each alternative data transfer server, thereby determining at least one data transfer server with a more suitable request processing load for the user terminal from the alternative data transfer servers.

[0063] In an embodiment of the present specification, based on the service browsing information of the user terminal and the request processing load information corresponding to the data transfer server, a data transfer server that meets the user terminal's preference for selecting the data transfer server is determined from the alternative data transfer servers, and a data transfer server with a more appropriate request processing load situation is determined from the alternative data transfer servers. This allows the data transfer server to be determined based on the actual load situation of the alternative data transfer server and the user terminal's preference, thereby improving the success rate of data transfer.

[0064] Please refer to Figure 4, which is a schematic diagram of a process for determining at least two data transfer servers for a user terminal from candidate data transfer servers, as proposed in one or more embodiments of this specification. Specifically, in S304, determining at least two data transfer servers for a user terminal from candidate data transfer servers based on service browsing information and request processing load information includes the following steps.

[0065] S402: Determine at least one predicted interest server from candidate data transfer servers based on the service browsing information.

[0066] At least one predicted interest server can be determined from candidate data transfer servers based on a pre-established interest prediction model. The interest prediction model can be trained based on sample service browsing information of sample users and sample predicted interest servers selected by the sample users from sample candidate data transfer servers. The service browsing information and the candidate data transfer servers are input into the interest prediction model. The interest prediction model selects a predicted interest server from the candidate data transfer servers based on learned user preferences for predictive interest servers and outputs at least one predicted interest server.

[0067] S404: Determine at least one reference load server from candidate data transfer servers based on the request processing load information.

[0068] At least one reference load server can be determined from candidate data transfer servers based on a pre-established reference load prediction model. The reference load prediction model can be trained based on sample request processing load information corresponding to sample candidate data transfer servers and sample reference load servers selected by sample users from the sample candidate data transfer servers. The sample request processing load information corresponding to the candidate data transfer servers and each candidate data transfer server are input into the reference load prediction model. The reference load prediction model determines characteristics of the reference load servers based on the learned user-based request processing load information, selects at least one reference load server from the candidate data transfer servers, and outputs the at least one reference load server.

[0069] S406: Determine at least two data transfer servers for the user terminal based on the predicted interest server and the reference load server.

[0070] After determining at least one predicted interest server and at least one reference load server, at least two data transfer servers for the user terminal are selected from the determined at least one predicted interest server and at least one reference load server. It should be noted that at least one of the at least two data transfer servers selected for the user terminal may be a predicted interest server and at least one may be a reference load server. Of course, in other feasible implementations, the at least two data transfer servers selected for the user terminal may both be predicted interest servers or both be reference load servers.

[0071] In an embodiment of the present specification, based on the service browsing information of the user terminal and the request processing load information corresponding to the data transfer server, a predicted interest server that meets the user terminal's preference for selecting the data transfer server is determined from the alternative data transfer servers, and a reference load server with a more appropriate request processing load situation is determined from the alternative data transfer servers. Thereafter, at least two data transfer servers for the user terminal are selected from the predicted interest server and the reference load server, so that the data transfer server can be determined based on the actual load situation of the alternative data transfer server and the user terminal's preference, so as to improve the success rate of data transfer.

[0072] Please refer to Figure 5, which is a schematic diagram of a process for performing data transfer processing on a user terminal according to one or more embodiments of this specification. Specifically, in S206, a data transfer request from the user terminal for a data transfer service is received, and data transfer processing is performed on the user terminal based on the target data transfer service terminal in response to the data transfer request, including the following steps.

[0073] S502: Receive a data transfer request from the user terminal for at least two target data transfer service terminals corresponding to the data transfer service, and in response to the data transfer request, perform data transfer pre-approval processing on the user terminal to obtain a data transfer pre-approval result.

[0074] The service platform receives a data transfer request from a user for at least two target data transfer service providers corresponding to a data transfer service. The service platform responds to the data transfer request. Since the user provider is requesting data transfer, the service platform may perform pre-approval processing on the user provider. This pre-approval processing includes, but is not limited to, verifying the validity of the data transfer service activation results of the target data transfer service provider, the validity of the data transfer service agreement signed between the service platform and the user provider, and conducting a data transfer risk control review on the service platform to combat money laundering. After the pre-approval processing is completed on the user provider, a pre-approval result is obtained.

[0075] S504: After determining that the user-side pre-approval has passed based on the data transfer pre-approval result, a data lending approval request of the user-side is initiated to at least two target data transfer servers to obtain the data lending approval result of the target data transfer server.

[0076] After the service platform determines that the data transfer pre-approval has passed based on the data transfer pre-approval result, the service platform initiates a data lending approval request from the user end to at least two target data transfer server ends. After each target data transfer server end receives the data lending approval request, each target data transfer server end performs its own data lending approval and obtains the data lending approval result of each target data transfer server end.

[0077] S506: Determine a target data lending server from the target data transfer server based on the data lending approval result, and perform target data transfer processing on the target data lending server to the user end.

[0078] After obtaining the data lending approval results from each target data transfer server, the target data transfer server with the approved data lending approval result is designated as the target data lending server. If there is only one target data lending server, the service platform controls the target data lending server to transfer the target data to the user. If there are multiple target data lending servers, one server can be selected from the multiple target data lending servers to transfer the target data to the user.

[0079] In an embodiment of the present specification, after the target data transfer server is determined based on the activation results of each data transfer service, when the user terminal initiates a data transfer request to the service platform, the service platform first performs a data transfer pre-approval process on the user terminal to reduce the risk in the data transfer process through the approval process. When the data transfer pre-approval is passed, the service platform initiates a data lending approval request from the user terminal to at least two target data transfer servers to determine the target data lending server, thereby achieving two-way matching between the data transfer server and the user terminal, and providing the user terminal with a data transfer service suitable for the user terminal based on the target data lending server.

[0080] Please refer to FIG. 6 , which is a flowchart illustrating a data transfer process according to one or more embodiments of this specification.

[0081] As shown in Figure 6, there can be multiple affiliates, including, for example, affiliate B and affiliate C. The processes corresponding to affiliates B and C can be referenced with those for affiliate A. In this embodiment, by adding the ability for multiple institutions to grant credit and approve loans during the user-side service activation and loan process, the problem of user loan failures and the inability to serve more users due to insufficient service capabilities of a single institution is resolved.

[0082] First, the client enters the service platform and submits an activation application; after receiving the activation request, the service platform conducts identity verification and signs a service authorization agreement for the client; after passing the identity verification, the user's data credit information is sent to the self-operated institution and the affiliated institution, so that the self-operated institution and the affiliated institution can make institutional decisions and decide on institutions that meet the risk control approval and have sufficient funds. That is, each institution processes the data credit information for service activation and approves it to obtain the data transfer service activation result, and makes institutional decisions based on the data transfer service activation result.

[0083] In the institution that makes the decision, the available credit line is granted, and the user then has the credit line of this institution, and the data transfer service is successfully activated; after obtaining the credit line, the user terminal initiates a loan transaction request; the service platform approves the expenditure of basic elements, which includes the approval of the data transfer service status, the status of the signed agreement, the available credit balance of the user terminal, the service platform's security risk control and credit risk control for the user terminal, etc., and then initiates risk approval for the affiliated institution; under the affiliated institution that has been granted credit, the expenditure is subject to risk approval, including capital level, investment ratio, risk verification, etc.; after multiple institutions have approved it, the service platform initiates a commissioned loan; under the approved affiliated institution, the loan deduction is carried out to flow the funds into the customer's target account; after the loan deduction is successful, a loan receipt will be issued to notify the customer of the arrival of the funds.

[0084] Please refer to Figure 7, which is a flowchart of determining a data transfer pre-approval result according to one or more embodiments of this specification. Specifically, in S502, performing data transfer pre-approval processing on the user terminal to obtain a data transfer pre-approval result includes the following steps.

[0085] S702: Obtain the service availability status of at least two target data transfer servers for the user terminal.

[0086] The target data transfer server is the one that has activated data transfer services for the user. Generally, activated data transfer services have a validity period. Therefore, the service validity status of at least two target data transfer servers for the user is first obtained to confirm whether the target data transfer server is within the service validity period for the user.

[0087] S704: When the target data transfer server has a target valid data transfer server within the service validity period, determine a data borrowing quota of the target valid data transfer server for the user terminal.

[0088] When it is confirmed that the target data transfer server is within the service validity period for the user terminal, that is, the target data transfer server has a target valid data transfer server, then the data borrowing amount of the target valid data transfer server for the user terminal is determined, that is, the available data amount borrowed by the target valid data transfer server from the user terminal.

[0089] S706: Determine the amount of borrowed data of the user terminal based on the data transfer request. When the data borrowing amount is greater than or equal to the borrowed data amount, perform data transfer risk control approval on the user terminal to obtain a risk control approval result. Determine the data transfer pre-approval result based on the risk control approval result.

[0090] Parse the data transfer request and determine the amount of data borrowed by the user from the parsed data transfer request. When the data borrowing amount is greater than or equal to the borrowed data amount, it means that the available data amount borrowed by the target effective data transfer server from the user is greater than the amount of data borrowed by the user. Therefore, the data transfer risk control approval is carried out on the user at this time, and the data transfer pre-approval result is determined based on the final risk control approval result.

[0091] In the embodiments of this specification, the pre-approval processing of data transfer includes confirming the service validity status of the target data transfer server for the user terminal, confirming whether the data borrowing amount is greater than or equal to the borrowed data amount, and performing data transfer risk control approval for the user terminal, thereby conducting review and control of data transfer on the service platform, reducing data transfer risks, and sharing the operating pressure of the data transfer server.

[0092] Please refer to Figure 8, which is a flowchart of determining a risk control approval result proposed in one or more embodiments of this specification. Specifically, in S706, performing risk control approval on the user terminal for data transfer to obtain a risk control approval result includes the following steps.

[0093] S802: Determine the security level of the operating environment when the user terminal initiates a data transfer request, match the security level of the operating environment with the preset security level of the operating environment, and obtain a first matching result; and / or determine the credit level of the data credit information of the user terminal, match the credit level with the preset risk credit level, and obtain a second matching result.

[0094] When a user terminal initiates a data transfer request, the operating environment of the user terminal is obtained, and the operating environment security level is determined based on the operating environment information of the user terminal. The operating environment information of the user terminal may include operating system information, database information, virus prevention information, access control information, authentication information and hardware information, etc. The operating environment security level when the user terminal initiates the data transfer request is determined based on the obtained operating environment information and a first mapping relationship between the pre-set operating environment information and the operating environment security level.

[0095] After obtaining the operating environment security level, the operating environment security level is matched with a preset operating environment security level. The preset operating environment security level may be a minimum security level that satisfies the data transfer operation. After matching the operating environment security level with the preset operating environment security level, a first matching result is obtained. The first matching result may be that if the operating environment security level is greater than or equal to the preset operating environment security level, the operating environment security level satisfies the minimum security level for the data transfer operation and the operating environment security level matches the preset operating environment security level. The first matching result may also be that if the operating environment security level is less than the preset operating environment security level, the operating environment security level does not meet the minimum security level for the data transfer operation and the operating environment security level does not match the preset operating environment security level.

[0096] When a user initiates a data transfer request, it is possible to determine only the security level of the operating environment or only the credit level of the user's data credit information. Of course, it is also possible to determine both the security level of the operating environment and the credit level of the user's data credit information.

[0097] Therefore, when a user terminal initiates a data transfer request, the service platform can obtain the user terminal's data credit information, determine the credit level corresponding to the user terminal's data credit information based on a pre-established second mapping relationship between data credit information and credit level, and then match the obtained credit level with the preset risk level to obtain a second matching result. The second matching result can be that the credit level is greater than or equal to the preset risk credit level, in which case the credit level meets the minimum risk credit level for the data transfer operation, and the credit level matches the preset risk credit level. The second matching result can also be that the credit level is less than the preset risk credit level, in which case the credit level does not meet the minimum risk credit level for the data transfer operation, and the credit level does not match the preset risk credit level.

[0098] S804: Determine the risk control approval result based on the first matching result and / or the second matching result.

[0099] When the user terminal initiates a data transfer request and only determines the operating environment security level, the risk control approval result is determined based on the first matching result. When the first matching result is that the operating environment security level is greater than or equal to the preset operating environment security level, the risk control approval result is approved; otherwise, the risk control approval result is rejected.

[0100] When the user terminal initiates a data transfer request, only the credit level of the user terminal's data credit information is determined. At this time, the risk control approval result is determined based on the second matching result. When the second matching result shows that the credit level is greater than or equal to the preset risk credit level, the risk control approval result is approved; otherwise, the risk control approval result is rejected.

[0101] When the user terminal initiates a data transfer request, the operating environment security level and the credit level of the user terminal's data credit information are determined at the same time. At this time, the risk control approval result is determined based on the first matching result and the second matching result. When the first matching result is that the operating environment security level is greater than or equal to the preset operating environment security level and the second matching result is that the credit level is greater than or equal to the preset risk credit level, the risk control approval result is approved; otherwise, the risk control approval result is rejected.

[0102] In the embodiments of this specification, data transfer risk control approval is performed on the user terminal based on the service platform, thereby reducing the risks in the data transfer process. In addition, the data transfer risk control approval includes the approval of the user terminal's operating environment security level and the credit level of the user terminal's data credit information, ensuring that the user terminal's private information will not be leaked during the data transfer process, and verifying the credit level of the user terminal's data credit information to ensure that the user terminal has the ability to repay the borrowed data after borrowing the data.

[0103] Please refer to Figure 9, which is a flowchart of a process for screening target data lending servers proposed in one or more embodiments of this specification. Specifically, after determining the target data lending server from the target data transfer server based on the data lending approval result in S506, the following steps are also included.

[0104] S902: Acquire the historical data transfer user behavior of the user end and the historical data transfer service behavior of the target data lending server end.

[0105] After determining the target data lending server, the service platform can obtain the historical data transfer user behavior of the user terminal. The historical data transfer user behavior of the user terminal may include the historical data transfer behavior of the user bound to the user terminal, so as to conduct a risk review of the historical data transfer behavior of the user bound to the user terminal. The service platform can also obtain the historical data transfer service behavior of the target data lending server to conduct a risk review of the historical data transfer service behavior of the target data lending server.

[0106] S904: Perform data transfer behavior risk verification based on historical data transfer user behavior and historical data transfer service behavior, and obtain risk verification results for each target data lending server.

[0107] After obtaining the historical data transfer user behavior and historical data transfer service behavior, the service platform simultaneously conducts data transfer behavior risk verification on the user side and the target data lending server side, so as to match the user side and the target data lending server side with lower risks based on the risk verification results.

[0108] S906: Filter the target data lending servers based on the risk check result of each target data lending server to obtain filtered target data lending servers.

[0109] Since the user end is certain, the target data lending service end is risk screened based on the risk verification results of each target data lending service end, so as to screen out the target data lending service end with lower risk from the target data lending service end, and then the target data is transferred to the user end based on the screened target data lending service end.

[0110] In the embodiments of this specification, the service platform performs a data transfer behavior risk check on the user terminal and the target data lending server, and matches the user terminal and the target data lending server with a lower risk based on the risk check results. Since the user terminal is fixed, the target data lending server with a lower risk can be screened out to reduce the data transfer risk during the data transfer process.

[0111] Please refer to Figure 10, which is a schematic diagram of the structure of the data transfer processing device provided in the embodiments of this specification. The data transfer processing device provided in this specification will be described in detail below in conjunction with Figure 10. It should be noted that the data transfer processing device shown in Figure 10 is used to execute the methods of the embodiments shown in Figures 1 to 9 of this specification. For ease of explanation, only the portions relevant to this specification are shown. For specific technical details not disclosed, please refer to the embodiments shown in Figures 1 to 9 of this specification.

[0112] The data transfer processing device 1 can be implemented as all or part of a service platform through software, hardware, or a combination of both. According to some embodiments, the data transfer processing device 1 applied to the service platform includes a receiving module 11, an acquisition module 12, and a data transfer module 13, specifically configured to: the receiving module 11 is adapted to receive a service activation request for a data transfer service from a user terminal, and in response to the service activation request, trigger a joint service application process for at least two data transfer service terminals; wherein the user terminal is a data borrower in the data transfer service, and the data transfer service terminal is a data lender in the data transfer service; the acquisition module 12 is adapted to obtain data credit information of the user terminal, and send the data credit information to at least two data transfer service terminals, so that each data transfer service terminal performs service activation approval processing on the data credit information to obtain a data transfer service activation result; the data transfer module 13 is adapted to obtain the data transfer service activation results of the at least two data transfer service terminals, determine a target data transfer service terminal based on each data transfer service activation result, receive a data transfer request for the data transfer service from the user terminal, and perform data transfer processing on the user terminal based on the target data transfer service terminal.

[0113] The embodiments of this specification provide a data transfer processing device, which is applied to a service platform. While the service platform accepts the service activation request of the user terminal, it connects with multiple data transfer service terminals. The service platform screens the data transfer service activation results of the multiple data transfer service terminals to achieve two-way matching between the data transfer service terminals and the user terminal, and realizes the joint provision of data transfer services suitable for the user terminal by multiple data transfer service terminals. This solves the technical problem that when multiple data transfer service agencies provide data transfer services to customers, there are large differences in the data transfer services provided to customers due to different entry thresholds of different data transfer service agencies.

[0114] Optionally, the receiving module 11 is suitable for performing authentication processing on the user terminal based on the service activation request to obtain an authentication result, determining that the user terminal authentication has passed based on the authentication result, and triggering a joint service application process for at least two data transfer service terminals in response to the service activation request.

[0115] Optionally, the receiving module 11 includes: an acquisition sub-module, suitable for obtaining service browsing information of the user terminal and obtaining request processing load information corresponding to the alternative data transfer server; a triggering sub-module, suitable for determining at least two data transfer servers for the user terminal from the alternative data transfer servers based on the service browsing information and the request processing load information, and triggering a joint service application process for at least two data transfer servers in response to a service activation request.

[0116] Optionally, the trigger submodule includes: a first determination submodule, suitable for determining at least one predicted interest server from the alternative data transfer server based on service browsing information; a second determination submodule, suitable for determining at least one reference load server from the alternative data transfer server based on request processing load information; and a third determination submodule, suitable for determining at least two data transfer servers for the user terminal based on the predicted interest server and the reference load server.

[0117] Optionally, the data transfer module 13 includes: a data transfer pre-approval processing sub-module, which is suitable for receiving a data transfer request from a user terminal for at least two target data transfer service terminals corresponding to a data transfer service, and performing data transfer pre-approval processing on the user terminal in response to the data transfer request to obtain a data transfer pre-approval result; a data lending approval sub-module, which is suitable for initiating a data lending approval request from the user terminal to at least two target data transfer service terminals after determining that the data transfer pre-approval is passed based on the data transfer pre-approval result, and obtaining a data lending approval result from the target data transfer service terminal; a data transfer processing sub-module, which is suitable for determining a target data lending service terminal from the target data transfer service terminals based on the data lending approval result, and performing target data transfer processing on the user terminal based on the target data lending service terminal.

[0118] Optionally, the data transfer pre-approval processing submodule includes: a service validity status acquisition submodule, suitable for obtaining the service validity status of at least two target data transfer service terminals for the user terminal; a data borrowing quota determination submodule, suitable for determining the data borrowing quota of the target valid data transfer server for the user terminal when there is a target valid data transfer server terminal in the target data transfer server terminal and the service validity period is within the target data transfer server terminal; a risk control approval submodule, suitable for determining the amount of borrowed data of the user terminal based on the data transfer request, when the data borrowing quota is greater than or equal to the amount of borrowed data, performing data transfer risk control approval on the user terminal to obtain a risk control approval result, and determining the data transfer pre-approval result based on the risk control approval result.

[0119] Optionally, the risk control approval submodule includes: a first matching result determination submodule, suitable for determining the operating environment security level when the user terminal initiates a data transfer request, matching the operating environment security level with the preset operating environment security level, and obtaining a first matching result; and / or, a second matching result determination submodule, suitable for determining the credit level of the user terminal's data credit information, matching the credit level with the preset risk credit level, and obtaining a second matching result; a risk control approval result determination submodule, suitable for determining the risk control approval result based on the first matching result and / or the second matching result.

[0120] Optionally, the data transfer processing submodule includes: a data acquisition submodule, suitable for acquiring the historical data transfer user behavior of the user terminal and the historical data transfer service behavior of the target data lending service terminal; a risk verification result determination submodule, suitable for performing data transfer behavior risk verification based on the historical data transfer user behavior and the historical data transfer service behavior, and obtaining the risk verification results of each target data lending service terminal; a screening submodule, suitable for screening the target data lending service terminal based on the risk verification results of each target data lending service terminal to obtain the screened target data lending service terminal.

[0121] It should be noted that the data transfer processing device provided in the above embodiment, when executing the data transfer processing method, is merely illustrated by the division of the aforementioned functional modules. In actual applications, the aforementioned functions can be assigned to different functional modules as needed, that is, the internal structure of the device can be divided into different functional modules to complete all or part of the functions described above. Furthermore, the data transfer processing device provided in the above embodiment and the data transfer processing method embodiment are based on the same concept. The implementation process thereof is detailed in the method embodiment and will not be further described here.

[0122] The above serial numbers in this specification are for description only and do not represent the advantages or disadvantages of the embodiments.

[0123] This specification also provides a computer storage medium, which can store multiple instructions. The instructions are suitable for being loaded by a processor and executing the data transfer processing method of the embodiments shown in Figures 1 to 9 above. The specific execution process can be found in the specific description of the embodiments shown in Figures 1 to 9, which will not be repeated here.

[0124] This specification also provides a computer program product, which stores at least one instruction, and the at least one instruction is loaded by the processor and executes the data transfer processing method of the embodiments shown in Figures 1 to 9 above. The specific execution process can be found in the specific description of the embodiments shown in Figures 1 to 9, and will not be repeated here.

[0125] Please refer to Figure 11, which is a schematic diagram of the structure of an electronic device provided in this specification. It shows a block diagram of the structure of an electronic device provided in one exemplary embodiment of this specification. The electronic device described in this specification may include one or more of the following components: a processor 110, a memory 120, an input device 130, an output device 140, and a bus 150. The processor 110, the memory 120, the input device 130, and the output device 140 may be connected via the bus 150.

[0126] The processor 110 may include one or more processing cores. The processor 110 utilizes various interfaces and circuits to connect various components within the electronic device. It executes instructions, programs, code sets, or instruction sets stored in the memory 120, as well as accesses data stored in the memory 120, to perform various functions of the electronic device and process data. Optionally, the processor 110 may be implemented using at least one of the following hardware forms: a digital signal processing (DSP), a field-programmable gate array (FPGA), or a programmable logic array (PLA). The processor 110 may integrate one or a combination of a central processing unit (CPU), a graphics processing unit (GPU), and a modem. The CPU primarily processes the operating system, user interface, and application programs; the GPU is responsible for rendering and drawing display content; and the modem handles wireless communications. It is understood that the modem may not be integrated into the processor 110 and may be implemented separately via a communications chip.

[0127] The memory 120 may include a random access memory (RAM) or a read-only memory (ROM). Optionally, the memory 120 includes a non-transitory computer-readable storage medium. The memory 120 may be used to store instructions, programs, codes, code sets, or instruction sets. The memory 120 may include a program storage area and a data storage area, wherein the program storage area may store instructions for implementing an operating system, instructions for implementing at least one function (such as a touch function, a sound playback function, an image playback function, etc.), instructions for implementing the following various method embodiments, etc. The operating system may be an Android system, including a system deeply developed based on the Android system, an IOS system developed by Apple, including a system deeply developed based on the IOS system or other systems. The data storage area may also store data created by the electronic device during use, such as a phone book, audio and video data, chat record data, etc.

[0128] Refer to Figure 12, which is a structural diagram of the operating system and user space provided in this specification. The memory 120 can be divided into an operating system space and a user space. The operating system runs in the operating system space, and native and third-party applications run in the user space. In order to ensure that different third-party applications can achieve better operating results, the operating system allocates corresponding system resources to different third-party applications. However, different application scenarios in the same third-party application also have different requirements for system resources. For example, in the local resource loading scenario, the third-party application has higher requirements for disk reading speed; in the animation rendering scenario, the third-party application has higher requirements for GPU performance. The operating system and the third-party application are independent of each other, and the operating system often cannot perceive the current application scenario of the third-party application in a timely manner, resulting in the operating system being unable to perform targeted system resource adaptation according to the specific application scenario of the third-party application.

[0129] In order for the operating system to distinguish the specific application scenarios of third-party applications, it is necessary to open up data communication between third-party applications and the operating system so that the operating system can obtain the current scenario information of third-party applications at any time, and then perform targeted system resource adaptation based on the current scenario.

[0130] Please refer to Figure 13, which is an architectural diagram of the Android operating system shown in Figure 12. Taking the Android operating system as an example, the programs and data stored in memory 120 are shown in Figure 13. Memory 120 may store the Linux kernel layer 320, the system runtime library layer 340, the application framework layer 360, and the application layer 380. The Linux kernel layer 320, the system runtime library layer 340, and the application framework layer 360 belong to the operating system space, while the application layer 380 belongs to the user space. The Linux kernel layer 320 provides underlying drivers for various hardware components of the electronic device, such as display drivers, audio drivers, camera drivers, Bluetooth drivers, Wi-Fi drivers, and power management. The system runtime library layer 340 provides key feature support for the Android system through several C / C++ libraries. For example, the SQLite library provides database support, the OpenGL / ES library provides 3D drawing support, and the Webkit library provides browser kernel support. The system runtime library layer 340 also includes the Android runtime, which primarily provides core libraries that allow developers to write Android applications in Java. The application framework layer 360 provides various APIs that may be used when building applications. Developers can also use these APIs to build their own applications, such as activity management, window management, view management, notification management, content provider management, package management, call management, resource management, and location management. The application layer 380 runs at least one application. These applications can be native applications that come with the operating system, such as contacts, SMS, clock, and camera applications, or third-party applications developed by third-party developers, such as games, instant messaging programs, and photo enhancement programs.

[0131] Please refer to Figure 14, which is an architectural diagram of the iOS operating system in Figure 12. Taking the iOS operating system as an example, the programs and data stored in the memory 120 are shown in Figure 14. The iOS system includes: a core operating system layer 420 (Core OS layer), a core services layer 440 (Core Services layer), a media layer 460 (Media layer), and a touchable layer 480 (Cocoa Touch Layer). The core operating system layer 420 includes the operating system kernel, drivers, and underlying program frameworks. These underlying program frameworks provide functions closer to the hardware for use by the program frameworks located in the core services layer 440. The core services layer 440 provides system services and / or program frameworks required by applications, such as the foundation framework, account framework, advertising framework, data storage framework, network connection framework, geographic location framework, motion framework, etc. The media layer 460 provides applications with audio-visual interfaces, such as graphics and image-related interfaces, audio technology-related interfaces, video technology-related interfaces, and wireless playback (AirPlay) interfaces for audio and video transmission technology. The touchable layer 480 provides various commonly used interface-related frameworks for application development. It is responsible for user touch interaction operations on electronic devices, such as local notification services, remote push services, advertising frameworks, game tool frameworks, message user interface (UI) frameworks, UIKit frameworks, and map frameworks.

[0132] In the frameworks shown in FIG14 , those relevant to most applications include, but are not limited to, the Foundation framework in the core services layer 440 and the UIKit framework in the touchable layer 480. The Foundation framework provides many basic object classes and data types, offering fundamental system services for all applications and having nothing to do with the UI. The classes provided by the UIKit framework are the foundational UI class library for creating touch-based user interfaces. iOS applications can use the UIKit framework to provide their UIs, providing the application infrastructure for building user interfaces, drawing, handling user interaction events, responding to gestures, and so on.

[0133] Among them, the method and principle of implementing data communication between third-party applications and the operating system in the IOS system can be referred to the Android system, and this manual will not go into details here.

[0134] Among them, the input device 130 is used to receive input instructions or data, and the input device 130 includes but is not limited to a keyboard, a mouse, a camera, a microphone or a touch device. The output device 140 is used to output instructions or data, and the output device 140 includes but is not limited to a display device and a speaker. In one example, the input device 130 and the output device 140 can be combined, and the input device 130 and the output device 140 are touch screen displays, which are used to receive touch operations on or near the touch screen using any suitable object such as a finger or a touch pen, and to display the user interface of each application. The touch screen display is usually provided on the front panel of the electronic device. The touch screen display can be designed as a full screen, a curved screen or a special-shaped screen. The touch screen display can also be designed as a combination of a full screen and a curved screen, or a combination of a special-shaped screen and a curved screen, which is not limited in this specification.

[0135] In addition, those skilled in the art will understand that the structures of the electronic devices shown in the above figures do not limit the electronic devices. The electronic devices may include more or fewer components than shown, or may combine certain components, or arrange the components differently. For example, the electronic devices may also include radio frequency circuits, input units, sensors, audio circuits, wireless fidelity (WiFi) modules, power supplies, Bluetooth modules, and other components, which are not described in detail here.

[0136] In this specification, the execution entity of each step can be the electronic device described above. Optionally, the execution entity of each step is the operating system of the electronic device. The operating system can be Android, iOS, or other operating systems, which are not limited in this specification.

[0137] The electronic device of this specification may also be equipped with a display device, which may be any device capable of realizing a display function, such as a cathode ray tube display (CR), a light-emitting diode display (LED), an electronic ink screen, a liquid crystal display (LCD), a plasma display panel (PDP), etc. The user may use the display device on the electronic device 101 to view displayed text, images, videos and other information. The electronic device may be a smart phone, a tablet computer, a gaming device, an AR (Augmented Reality) device, a car, a data storage device, an audio playback device, a video playback device, a notebook, a desktop computing device, a wearable device such as an electronic watch, electronic glasses, an electronic helmet, an electronic bracelet, an electronic necklace, electronic clothing and the like.

[0138] In the electronic device shown in Figure 11, which can be a terminal, the processor 110 can be used to call the network optimization application stored in the memory 120, and specifically perform the following operations: receive a service activation request for a data transfer service from a user terminal, and in response to the service activation request, trigger a joint service application process for at least two data transfer service terminals; obtain data credit information of the user terminal, and send the data credit information to at least two data transfer service terminals, so that each data transfer service terminal performs service activation approval processing on the data credit information to obtain a data transfer service activation result; obtain data transfer service activation results of at least two data transfer service terminals, determine a target data transfer service terminal based on each data transfer service activation result, receive a data transfer request for the data transfer service from the user terminal, and perform data transfer processing on the user terminal for the data transfer request based on the target data transfer service terminal.

[0139] Optionally, when the processor 110 executes a joint service application process for at least two data transfer service terminals in response to a service activation request, it specifically performs the following steps: performing authentication processing on the user terminal based on the service activation request to obtain an authentication result, determining that the user terminal authentication has passed based on the authentication result, and triggering a joint service application process for at least two data transfer service terminals in response to the service activation request.

[0140] Optionally, when the processor 110 executes a joint service application process for at least two data transfer server terminals in response to a service activation request, it specifically performs the following steps: obtaining service browsing information of the user terminal and obtaining request processing load information corresponding to the alternative data transfer server terminals; determining at least two data transfer server terminals for the user terminal from the alternative data transfer server terminals based on the service browsing information and the request processing load information, and triggering a joint service application process for at least two data transfer server terminals in response to the service activation request.

[0141] Optionally, when the processor 110 determines at least two data transfer servers for the user terminal from the alternative data transfer servers based on the service browsing information and the request processing load information, it specifically performs the following steps: determining at least one predicted interest server from the alternative data transfer servers based on the service browsing information; determining at least one reference load server from the alternative data transfer servers based on the request processing load information; and determining at least two data transfer servers for the user terminal based on the predicted interest server and the reference load server.

[0142] Optionally, when the processor 110 receives a data transfer request from a user terminal for a data transfer service and performs data transfer processing on the user terminal for the data transfer request based on the target data transfer server, the processor 110 specifically performs the following steps: receives a data transfer request from the user terminal for at least two target data transfer server terminals corresponding to the data transfer service, and in response to the data transfer request, performs data transfer pre-approval processing on the user terminal to obtain a data transfer pre-approval result; after determining that the data transfer pre-approval is passed based on the data transfer pre-approval result, initiates a data lending approval request from the user terminal to at least two target data transfer server terminals to obtain a data lending approval result from the target data transfer server terminals; determines a target data lending server from the target data transfer server terminals based on the data lending approval result, and performs target data transfer processing on the user terminal based on the target data lending server terminals.

[0143] Optionally, when the processor 110 performs pre-approval processing for data transfer on the user terminal to obtain a data transfer pre-approval result, the following steps are specifically performed: obtaining the service validity status of at least two target data transfer server terminals for the user terminal; when there is a target valid data transfer server terminal in the target data transfer server terminal that is within the service validity period, determining the data borrowing amount of the target valid data transfer server terminal for the user terminal; determining the amount of borrowed data of the user terminal based on the data transfer request, and when the data borrowing amount is greater than or equal to the amount of borrowed data, performing data transfer risk control approval on the user terminal to obtain a risk control approval result, and determining the data transfer pre-approval result based on the risk control approval result.

[0144] Optionally, when the processor 110 performs risk control approval for data transfer on the user terminal and obtains a risk control approval result, it specifically performs the following steps: determining the security level of the operating environment when the user terminal initiates a data transfer request, matching the operating environment security level with the preset operating environment security level, and obtaining a first matching result; and / or determining the credit level of the data credit information of the user terminal, matching the credit level with the preset risk credit level, and obtaining a second matching result; determining the risk control approval result based on the first matching result and / or the second matching result.

[0145] Optionally, after the processor 110 determines the target data lending server from the target data transfer server based on the data lending approval result, it also performs the following steps: obtaining the historical data transfer user behavior of the user terminal and the historical data transfer service behavior of the target data lending server; performing a data transfer behavior risk check based on the historical data transfer user behavior and the historical data transfer service behavior to obtain a risk check result for each target data lending server; and screening the target data lending server based on the risk check result of each target data lending server to obtain a screened target data lending server.

[0146] Those skilled in the art will appreciate that all or part of the processes in the above-described method embodiments can be implemented by instructing related hardware through a computer program. The program can be stored in a computer-readable storage medium, and when executed, the program can include the processes in the above-described method embodiments. The storage medium can be a magnetic disk, an optical disk, a read-only memory, or a random access memory.

[0147] It should be noted that the information (including but not limited to user device information, user personal information, etc.), data (including but not limited to data used for analysis, stored data, displayed data, etc.), and signals involved in the embodiments of this specification are all authorized by the user or fully authorized by all parties, and the collection, use, and processing of relevant data must comply with the relevant laws, regulations, and standards of the relevant countries and regions. For example, the object characteristics, interactive behavior characteristics, and user information involved in this specification are all obtained with full authorization.

[0148] The above disclosure is only a preferred embodiment of this specification, and certainly cannot be used to limit the scope of rights of this specification. Therefore, equivalent changes made according to the claims of this specification are still within the scope covered by this specification.

Claims

1. A data transfer processing method, applied to a service platform, comprising: receiving a service activation request for a data transfer service from a user terminal, and in response to the service activation request, triggering a joint service application process for at least two data transfer service terminals; Acquire the data credit information of the user terminal, and send the data credit information to the at least two data transfer service terminals, so that each of the data transfer service terminals performs service activation approval processing on the data credit information to obtain a data transfer service activation result; Obtain data transfer service activation results of at least two of the data transfer service terminals, determine a target data transfer service terminal based on the activation results of each data transfer service, receive a data transfer request from the user terminal for the data transfer service, and perform data transfer processing on the user terminal for the data transfer request based on the target data transfer service terminal.

2. The method according to claim 1, wherein in response to the service activation request, triggering a joint service application process for at least two data transfer service terminals comprises: Based on the service activation request, the user terminal is authenticated to obtain an authentication result, and based on the authentication result, it is determined that the user terminal authentication has passed, and in response to the service activation request, a joint service application process for at least two data transfer service terminals is triggered.

3. The method according to claim 1 or 2, wherein in response to the service activation request, triggering a joint service application process for at least two data transfer service terminals comprises: Acquire service browsing information of the user end, and acquire request processing load information corresponding to the candidate data transfer server end; At least two data transfer service terminals for the user terminal are determined from the candidate data transfer service terminals based on the service browsing information and the request processing load information, and a joint service application process for the at least two data transfer service terminals is triggered in response to the service activation request.

4. The method according to claim 3, wherein determining at least two data transfer service terminals for the user terminal from candidate data transfer service terminals based on the service browsing information and the request processing load information comprises: Determining at least one predicted interest server from the candidate data transfer servers based on the service browsing information; Determining at least one reference load server from candidate data transfer servers based on the request processing load information; At least two data transfer servers for the user are determined based on the predicted interest server and the reference load server.

5. The method according to claim 1, wherein receiving the data transfer request from the user terminal for the data transfer service, and performing data transfer processing on the user terminal for the data transfer request based on the target data transfer service terminal comprises: receiving a data transfer request from a user terminal for the at least two target data transfer service terminals corresponding to the data transfer service, and in response to the data transfer request, performing a data transfer pre-approval process on the user terminal to obtain a data transfer pre-approval result; After determining that the data transfer pre-approval has been passed based on the data transfer pre-approval result, initiating a data lending approval request of the user terminal to the at least two target data transfer service terminals, and obtaining the data lending approval result of the target data transfer service terminals; A target data lending service end is determined from the target data transfer service end based on the data lending approval result, and target data transfer processing is performed to the user end based on the target data lending service end.

6. According to the method of claim 5, the step of performing data transfer pre-approval processing on the user terminal to obtain a data transfer pre-approval result comprises: Acquire the service validity status of the at least two target data transfer service terminals for the user terminal; When the target data transfer service end has a target valid data transfer service end within the service validity period, determining a data borrowing quota of the target valid data transfer service end for the user end; The amount of borrowed data of the user terminal is determined based on the data transfer request. When the data borrowing amount is greater than or equal to the amount of borrowed data, a data transfer risk control approval is performed on the user terminal to obtain a risk control approval result. The data transfer pre-approval result is determined based on the risk control approval result.

7. According to the method of claim 6, the step of performing risk control approval on the user terminal for data transfer to obtain a risk control approval result comprises: Determining the security level of the operating environment when the user terminal initiates the data transfer request, matching the security level of the operating environment with a preset security level of the operating environment to obtain a first matching result; and / or, Determining the credit rating of the data credit information of the user terminal, matching the credit rating with a preset risk credit rating, and obtaining a second matching result; A risk control approval result is determined based on the first matching result and / or the second matching result.

8. The method according to claim 5, after determining the target data lending server from the target data transfer server based on the data lending approval result, further comprising: Acquire the historical data transfer user behavior of the user terminal and the historical data transfer service behavior of the target data lending service terminal; Performing data transfer behavior risk verification based on the historical data transfer user behavior and the historical data transfer service behavior to obtain risk verification results for each target data lending service end; The target data lending service terminals are screened based on the risk verification result of each target data lending service terminal to obtain screened target data lending service terminals.

9. A data transfer processing device, applied to a service platform, comprising: A receiving module, adapted to receive a service activation request from a user terminal for a data transfer service, and in response to the service activation request, trigger a joint service application process for at least two data transfer service terminals; an acquisition module, adapted to acquire the data credit information of the user terminal, and send the data credit information to the at least two data transfer service terminals, so that each of the data transfer service terminals performs service activation approval processing on the data credit information to obtain a data transfer service activation result; The data transfer module is adapted to obtain the data transfer service activation results of at least two of the data transfer service terminals, determine the target data transfer service terminal based on the activation results of each data transfer service, receive the data transfer request of the user terminal for the data transfer service, and perform data transfer processing on the user terminal for the data transfer request based on the target data transfer service terminal.

10. A computer storage medium storing a plurality of instructions, wherein the instructions are suitable for being loaded by a processor and executing the method steps according to any one of claims 1 to 8.

11. A computer program product, the computer program product storing at least one instruction, wherein the at least one instruction is loaded by a processor and executes the method steps according to any one of claims 1 to 8.

12. An electronic device comprising: A processor and a memory; wherein the memory stores a computer program, and the computer program is suitable for being loaded by the processor and executing the method steps as claimed in any one of claims 1 to 8.

Images