CN110648127B

CN110648127B - Resource transfer method, device, computer equipment and storage medium

Info

Publication number: CN110648127B
Application number: CN201910744980.9A
Authority: CN
Inventors: 陈文军
Original assignee: Shengyin Digital Technology Shenyang Co ltd
Current assignee: Shengyin Digital Technology Shenyang Co ltd; Shenzhen Lian Intellectual Property Service Center
Priority date: 2019-08-13
Filing date: 2019-08-13
Publication date: 2023-10-31
Anticipated expiration: 2039-08-13
Also published as: CN110648127A

Abstract

The application relates to the technical field of data processing, and provides a resource transfer method, a resource transfer device, computer equipment and a storage medium. The method comprises the following steps: when the amount of resources to be transferred in the service to be processed exceeds a set threshold range, determining middle associated account information, sending a resource transfer prompt message to a user terminal, when a resource transfer confirmation message fed back by the user terminal is received, sending a first resource transfer message to a resource management server, transferring resources from the user account to the middle associated account, receiving server record data fed back by the resource management server, and when the server record data passes the comparison and verification of the terminal record data carried by the resource transfer confirmation message, sending a second resource transfer message to the resource management server, transferring resources from the middle associated account to a target account, avoiding complex operation caused by repeated transfer due to the need of resource splitting under the condition that the amount of the resources to be transferred exceeds the set threshold, and improving the resource transfer efficiency.

Description

Resource transfer method, device, computer equipment and storage medium

Technical Field

The present application relates to the field of data processing technologies, and in particular, to a resource transfer method, a device, a computer device, and a storage medium.

Background

Along with the development of scientific technology, various resources realize reliable circulation and fusion, and the process often involves the processes of exchanging, transferring and the like of the resources, wherein the resources can be virtual currency, investment funds and the like.

Resource transfer includes borrowing and returning of resources, such as changes to funds, items, and the persons attributed to the resources of the various virtual resources, and generally involves multiple resource accounts, with the server transferring the resources of the user account to the target account through user authorization. With market specifications, resource transfer regulations have become more stringent. Because the commonly used resource transfer method in the prior art is only suitable for the condition that the resource quantity meets the limit threshold range, the limit single-time transferable resource quantity of the user account cannot be changed by manual means according to market requirements. In the case where the amount of resources to be transferred exceeds the limited transferable amount of resources, the transfer of resources can be performed only by a plurality of times. Because each time of resource transfer, data interaction between the server and the terminal is needed to obtain user authorization, each time of resource transfer involves corresponding data processing and resource management processes, especially when the data processing and resource management adopts an unused server to process, the data processing capacity of the server is seriously increased, if the resource transfer is carried out for multiple times in a certain concentrated time period, abnormal phenomena such as network delay and the like are inevitably encountered due to factors such as network interference, the risk of missing or repeatedly recording the resource transfer data is increased, and if the resource transfer is carried out for multiple times at scattered time points, the time of the resource transfer process is prolonged, and the problem of low resource transfer efficiency is solved.

Disclosure of Invention

In view of the foregoing, it is desirable to provide a resource transfer method, apparatus, computer device, and storage medium that can improve the efficiency of resource transfer.

A method of resource transfer, the method comprising:

extracting the amount of resources to be transferred in the service to be processed, and extracting user account and intermediate associated account information carried by the service to be processed when the amount of resources to be transferred exceeds a set range of resource transfer thresholds;

filling the to-be-transferred resource amount and the intermediate associated account information into corresponding data fields in a preset message template, generating a resource transfer prompt message, and sending the resource transfer prompt message to a user terminal, wherein the user terminal corresponds to the user account;

when a resource transfer confirmation message fed back by the user terminal is received, a first resource transfer message is sent to a resource management server, wherein the first resource transfer message is used for enabling the resource management server to transfer the resource quantity to be transferred from the user account to an intermediate associated account;

receiving server record data fed back by the resource management server after the first resource transfer processing is completed;

And when the server record data passes the comparison and verification of the terminal record data carried by the resource transfer confirmation message, sending a second resource transfer message to the resource management server, wherein the second resource transfer message is used for enabling the resource management server to transfer the resource quantity to be transferred from the middle associated account to a resource transfer target account corresponding to the service to be processed.

In one embodiment, before extracting the information of the user account and the intermediate associated account carried by the service to be processed, the method further includes:

screening protocol texts with the time difference within a preset range according to the time difference between the resource transfer planning time and the current time in each stored protocol text;

and determining a service to be processed according to a resource transfer plan in the agreement text, wherein the resource transfer plan comprises a user account, a resource transfer plan time, a resource quantity to be transferred, an intermediate association account, a resource transfer target account and a resource transfer threshold range corresponding to the resource transfer target account.

In one embodiment, when the server record data passes the comparison check with the terminal record data carried by the resource transfer confirmation message, before sending the second resource transfer message to the resource management server, the method further includes:

extracting terminal record data carried by the resource transfer confirmation message, and determining text data and image data contained in the terminal record data according to the data format of the terminal record data;

performing word recognition processing on the image data according to a preset word recognition algorithm, and performing primary comparison and verification on a word recognition result of the image data and the word data;

and when the primary comparison and verification is successful, performing secondary comparison and verification on the text data in the terminal recorded data and the server recorded data.

In one embodiment, after performing the text recognition processing on the image data according to a preset text recognition algorithm and performing the primary comparison and verification on the text recognition result and the text data, the method further includes:

and when the primary comparison check fails, marking a check failure field in the text data, and generating a prompt message according to the check failure field to feed back to the user terminal.

In one embodiment, the performing the second comparison check on the text data in the terminal record data and the server record data includes:

sequentially reading the data content of the corresponding fields in the terminal record data according to the sequence of the data record fields in the server record data;

verifying the data content of each data record field in the server record data and the text data;

and when the data content with verification failure exists, the feedback terminal records a data error message to the user terminal, reconfigures the data acquisition interface parameters, and sends the configured data acquisition interface parameters to the user terminal.

In one embodiment, the user account includes a first account and a second account, and when receiving a resource transfer confirmation message fed back by the user terminal, sending a first resource transfer message to a resource management server, where the first resource transfer message is used to enable the resource management server to transfer the to-be-transferred resource amount from the user account to an intermediate associated account, where the transferring includes:

when a resource transfer confirmation message fed back by the user terminal is received, verifying the resource amount in the first account;

When the resource amount in the first account is not less than the resource amount to be transferred, sending a first user resource transfer message to the resource management server, wherein the first user resource transfer message is used for enabling the resource management server to transfer the resource of the resource amount to be transferred from the first account to the middle associated account;

when the resource amount in the first account is smaller than the resource amount to be transferred, verifying the resource amount in the second account and calculating a difference value between the resource amount to be transferred and the resource amount of the first account;

when the resource amount in the second account is smaller than the difference value, generating a resource deficiency reminding message and feeding back the resource deficiency reminding message to the user terminal;

and when the resource amount in the second account is not smaller than the difference value, sending a second user resource transfer message to the resource management server, wherein the second user resource transfer message is used for enabling the resource management server to transfer resources from the first account and the second account to the middle associated account in sequence.

In one embodiment, the method further comprises:

when the number of the to-be-processed services is multiple, respectively acquiring protocol texts corresponding to the multiple to-be-processed services;

When the intermediate associated accounts corresponding to the protocol texts are the same, accumulating the resource quantity to be transferred in a plurality of to-be-processed services, filling the accumulated resource quantity to be transferred and the intermediate associated account information into corresponding data fields in a preset message template, generating an accumulated resource transfer prompt message, and sending the accumulated resource transfer prompt message to a user terminal;

and when receiving the accumulated resource transfer confirmation message fed back by the user terminal, sending an accumulated resource transfer message to the resource management server, wherein the accumulated resource transfer message is used for enabling the resource management server to transfer the accumulated resource amount from the account corresponding to the user terminal to the middle associated account.

A resource transfer apparatus, the apparatus comprising:

the intermediate associated account information extraction module is used for extracting the amount of resources to be transferred in the service to be processed, and extracting the user account and intermediate associated account information carried by the service to be processed when the amount of resources to be transferred exceeds a set resource transfer threshold range;

the resource transfer prompting message generation module is used for filling the to-be-transferred resource quantity and the middle associated account information into corresponding data fields in a preset message template, generating a resource transfer prompting message, and sending the resource transfer prompting message to a user terminal, wherein the user terminal corresponds to the user account;

The first resource transfer message sending module is used for sending a first resource transfer message to a resource management server when receiving a resource transfer confirmation message fed back by the user terminal, wherein the first resource transfer message is used for enabling the resource management server to transfer the resource quantity to be transferred from the user account to an intermediate association account;

the server record data receiving module is used for receiving the server record data fed back after the resource management server finishes the first resource transfer processing;

and the second resource transfer message sending module is used for sending a second resource transfer message to the resource management server when the server record data passes the comparison and verification of the terminal record data carried by the resource transfer confirmation message, and the second resource transfer message is used for enabling the resource management server to transfer the resource quantity to be transferred from the middle association account to a resource transfer target account corresponding to the service to be processed.

A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor when executing the computer program performs the steps of:

A computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of:

The resource transfer method, the device, the computer equipment and the storage medium are applied to the data processing server, the data processing server determines whether the resource quantity to be transferred exceeds a set threshold range by extracting the resource quantity to be transferred in the service to be processed, so as to judge whether the resource transfer is required through an intermediate association account, when the configured intermediate association account for associating the user account with a resource transfer target account exceeds the set threshold range, the data processing server generates a resource transfer prompt message and sends the resource transfer prompt message to the user terminal, so that a user performs a resource transfer confirmation operation according to the service to be processed and the intermediate association account information carried in the resource transfer prompt message, when the data processing server receives the resource transfer confirmation message fed back by the user terminal, the first resource transfer message is sent to a resource management server corresponding to the intermediate association account, the resource quantity to be transferred is transferred from the user account to the intermediate association account, the data processing server performs data comparison and verification on the terminal record data carried by the resource transfer confirmation message, and confirms whether the resource quantity to be transferred from the user account to the intermediate association account is accurate, when the comparison and verification is passed, the second resource transfer is sent to the intermediate association account to the user account, the resource transfer efficiency is improved, the problem that the resource transfer is required to be transferred from the intermediate association account is solved, and the resource transfer efficiency is increased, and the resource transfer is required to be transferred to the intermediate association account is increased.

Drawings

FIG. 1 is an application scenario diagram of a resource transfer method in one embodiment;

FIG. 2 is a flow diagram of a method of resource transfer in one embodiment;

FIG. 3 is a flow chart of a method of transferring resources according to another embodiment;

FIG. 4 is a flow chart of a method of transferring resources according to yet another embodiment;

FIG. 5 is a flow chart of a resource transfer method in yet another embodiment;

FIG. 6 is a flow chart illustrating the sub-steps of step S540 in FIG. 7 according to one embodiment;

FIG. 7 is a block diagram of a resource transfer device in one embodiment;

fig. 8 is an internal structural diagram of a computer device in one embodiment.

Detailed Description

The present application will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present application more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the application.

The resource transfer method provided by the application can be applied to an application environment shown in figure 1. The user terminal 102 communicates with the data processing server 104 through a network, the data processing server 104 performs data interaction with the resource management server 106, and the user transfers resources to a target account corresponding to the service to be processed through the terminal 102 and the data processing server 104, wherein the resource management server 106 is used for performing resource data management. The service to be processed can be resource borrowing service, a user needs to transfer the set resource amount to a target account according to a protocol in the service before a specified period, but because of the limitation and adjustment of the market, the transfer of the resource amount has the limitation of the upper threshold value, the data processing server 104 extracts the resource amount to be transferred in the service to be processed, when the resource amount to be transferred exceeds the set resource transfer threshold value range, extracts the user account and the middle associated account information carried by the service to be processed, fills the resource amount to be transferred and the middle associated account information into corresponding data fields in a preset message template, generates a resource transfer prompt message, and sends the resource transfer prompt message to the user terminal, and the user terminal corresponds to the user account 102; when the data processing server 104 receives the resource transfer confirmation message fed back by the user terminal 102, the data processing server 104 sends a first resource transfer message to the resource management server 106 corresponding to the middle associated account, so that the resource management server 106 transfers the resource amount to be transferred from the account corresponding to the user terminal 102 to the middle associated account, the data processing server 104 uploads the terminal record data of the user terminal 102 and the server record data fed back after the resource management server 106 finishes the first resource transfer processing, the data processing server 104 compares and checks the server record data with the terminal record data carried by the resource transfer confirmation message, and when the comparison and check are passed, the data processing server 104 sends a second resource transfer message to the resource management server 106, so that the resource management server 106 transfers the resource amount to be transferred from the middle associated account to the resource transfer target account. The terminal 102 may be, but not limited to, various personal computers, notebook computers, smartphones, tablet computers, and portable wearable devices, and the data processing server 104 and the resource management server 106 may be implemented by a separate server or a server cluster composed of a plurality of servers.

In one embodiment, as shown in fig. 2, a resource transfer method is provided, and the method is applied to the data processing server in fig. 1 for illustration, and includes the following steps:

step S200, extracting the amount of resources to be transferred in the service to be processed, and extracting the user account and the middle associated account information carried by the service to be processed when the amount of resources to be transferred exceeds the set range of the resource transfer threshold.

The service to be processed refers to a single or multiple resource return services generated by a user according to a resource borrowing protocol when the user borrows resources, the set number of resources are required to be transferred to a resource transfer target account according to the resource borrowing protocol at a designated time, the resource transfer target account refers to an account of a lending party for providing borrowed resources for the user, the resource to be transferred refers to the resource which is required to be transferred from the user account to the target account, due to the change of a management system of the existing market, a certain limiting condition exists on the transferable resource amount in the resource transfer process, the original resource transfer mode is limited by an account type, when the resource amount to be transferred exceeds the set threshold range corresponding to the resource transfer target account, the resource to be transferred cannot be directly transferred to the target account, according to the processing method in the prior art, the user can only adopt a small number of times to transfer the resources, when the data processing server detects that the resource amount to be transferred exceeds the set threshold range corresponding to the resource transfer target account, the intermediate association account information corresponding to the service to be processed is configured for associating the user account with the account to be transferred. Specifically, when the user signs a resource borrowing agreement, the account information of the middle association party existing in a guarantee position is set up, wherein the account which is not limited by the resource transfer amount is the middle association account. And step S300, filling the to-be-transferred resource quantity and the intermediate associated account information into corresponding data fields in a preset message template, generating a resource transfer prompt message, and sending the resource transfer prompt message to a user terminal, wherein the user terminal corresponds to the user account.

The preset message template is a pre-configured data filling template corresponding to service data, the information of the amount of resources to be transferred and the information of the intermediate associated accounts can be filled into the message template according to different services to be processed, the filled resource transfer prompt message is sent to the corresponding user terminal according to the user terminal information carried in the services to be processed, the resource transfer prompt message is a message sent to the user terminal by the data processing server, and the message can be specifically sent in the form of a push message of a mail, a short message or other relevant platforms, the resource transfer prompt message comprises the services to be processed and the information of the intermediate associated accounts and is used for prompting a user to transfer the resources to be transferred to the intermediate associated accounts according to the services to be processed so that the intermediate associated accounts can finish the resource transfer with the target accounts.

Step S400, when receiving a resource transfer confirmation message fed back by the user terminal, a first resource transfer message is sent to the resource management server, wherein the first resource transfer message is used for enabling the resource management server to transfer the amount of resources to be transferred from the user account to the intermediate association account.

The resource transfer confirmation message is a confirmation message that the user confirms information according to a resource transfer prompt message sent by the data processing server, agrees to transfer resources in the user account to the middle associated account, completes resource transfer of the target account, the resource transfer confirmation message carries resource transfer authorization information of one or more accounts corresponding to the user, the data processing server sends first resource transfer information carrying authorization information to the resource management server according to the authorization information carried in the resource transfer confirmation message, and the resource management server can transfer the amount of resources to be transferred from the user account, namely the authorization account, to the middle associated account according to the authorization information carried in the first resource transfer information, so that first resource transfer processing from the user account to the middle associated account is realized. In other embodiments, the above scheme may set a specific time period, for example, after sending the resource transfer prompting message to the ue, if the resource transfer confirmation message fed back by the ue is received in the set period, the resource transfer confirmation message is resent when the set period is reached.

Step S500, receiving server record data fed back by the resource management server after the first resource transfer processing is completed.

The first resource transfer processing refers to a resource transfer processing process from a user account to an intermediate associated account, the server record data is stream data recorded by a resource management server in a specific format according to a time sequence when a user transfers resources to the intermediate associated account, and the terminal record data refers to operation data corresponding to the user transferring the resources of the user account to the intermediate associated account according to a resource transfer prompt message, and the operation data comprises a user name, a user account, a transfer resource amount, transfer time, a transfer serial number and the like which are input by the user in a text form, and transfer operation screenshots which are input in a picture form.

And step S600, when the server record data passes the comparison and verification of the terminal record data carried by the resource transfer confirmation message, a second resource transfer message is sent to the resource management server, wherein the second resource transfer message is used for enabling the resource management server to transfer the resource quantity to be transferred from the intermediate association account to the resource transfer target account corresponding to the service to be processed.

The data verification and comparison comprises a primary comparison and check of the text data and the image data in the terminal recorded data, and is used for checking whether the terminal recorded data uploaded by the user terminal is accurate or not, avoiding data errors caused by misoperation of the user, and a secondary comparison and check of the text data and the server recorded data in the terminal recorded data, checking whether errors exist between the terminal recorded data uploaded by the user terminal and the server recorded data recorded by the resource management server or not, and ensuring the accuracy of the data through repeated check. And when the comparison check is passed, the data processing of transferring the resources of the user account to the middle associated account is completed by the characterization, the data processing server generates a second resource transfer message and sends the second resource transfer message to the resource management server, so that the resource management server transfers the amount of the resources to be transferred from the middle associated account to the resource transfer target account, and the resource transfer process from the resources in the user account to the resource transfer target account is realized.

The resource transfer method is applied to the data processing server, the data processing server determines whether the resource quantity to be transferred exceeds a set threshold range by extracting the resource quantity to be transferred in the service to be processed, so that whether the resource quantity to be transferred is required to be transferred through the intermediate associated account or not is judged, when the threshold range is exceeded, the data processing server generates a resource transfer prompt message and sends the resource transfer prompt message to the user terminal, so that a user can carry out a resource transfer confirmation operation according to the service to be processed and the intermediate associated account information carried in the resource transfer prompt message, when the data processing server receives the resource transfer confirmation message fed back by the user terminal, the first resource transfer message is sent to the resource management server corresponding to the intermediate associated account, the resource quantity to be transferred is transferred to the intermediate associated account from the user account, data comparison checking is carried out on the terminal record data carried by the resource transfer confirmation message and the server record data of the resource management server, and whether the resource quantity to be transferred from the user account to the intermediate associated account is accurate or not is confirmed, and when the comparison checking is passed, the second resource transfer message is sent to the resource management server, the intermediate associated transfer quantity to the intermediate associated account is transferred to the target account, the resource transfer of the user is completed, the resource is transferred to the target account through the transfer account, the resource transfer is required to be transferred, the resource is more than the target account is transferred, and the problem is solved is that the resource transfer is required to be transferred.

In one embodiment, as shown in fig. 3, step S200, extracting the amount of resources to be transferred in the service to be processed, and before extracting the user account and the intermediate associated account information carried by the service to be processed when the amount of resources to be transferred exceeds the set range of the resource transfer threshold, further includes:

step S120, according to the time difference between the resource transfer planning time and the current time in each stored protocol text, the protocol text with the time difference within the preset range is screened.

And step S140, determining a service to be processed according to a resource transfer plan in the agreement text, wherein the resource transfer plan comprises a user account, a resource transfer plan time, a resource amount to be transferred, an intermediate association account, a resource transfer target account and a resource transfer threshold range corresponding to the resource transfer target account.

The protocol text refers to a protocol signed by a user with a lending party when the user borrows resources, and specifically comprises a user account, a resource transfer planning time, a resource quantity to be transferred, an intermediate association account, a resource transfer target account and a resource transfer threshold range corresponding to the resource transfer target account, wherein the preset range of time difference can be a week or other specific time periods, can be set according to actual needs, field tags are set in the protocol text according to field content, different data fields correspond to different data tags, and intermediate association account information corresponding to the intermediate association account tag can be obtained through tag searching, and specifically comprises account numbers, so that the user can confirm the resource transfer information according to the account numbers. In other embodiments, the data processing server may also search the terminal information corresponding to the user by searching the data field in the protocol text, so that the data processing server may send the resource transfer prompt message to the corresponding user terminal.

In one embodiment, as shown in fig. 4, when the server record data passes the comparison check with the terminal record data carried by the resource transfer confirmation message, before sending the second resource transfer message to the resource management server, the method further includes:

step S520, extracting the terminal record data carried by the resource transfer confirmation message, and determining the text data and the image data contained in the terminal record data according to the data format of the terminal record data.

Step S530, performing word recognition processing on the image data according to a preset word recognition algorithm, and performing primary comparison and verification on the word recognition result of the image data and the word data.

And step S540, when the primary comparison and verification is successful, performing secondary comparison and verification on the text data in the terminal record data and the server record data.

After the user performs resource transfer operation according to the resource transfer prompt message, inputting text data and a screenshot certificate corresponding to the resource transfer operation, and performing primary comparison verification of user operation data by the data processing server according to the input text data and the screenshot certificate, wherein the text data can be input according to a set format, the format verification is completed after the text data is input, the screenshot certificate can perform text recognition in an image through a preset text recognition algorithm, key fields in a recognition result are extracted, preliminary verification of terminal record data is performed, the accuracy of terminal record data is ensured, the text recognition algorithm can be an OCR (Optical Character Recognition ) algorithm, and the key fields are preset fields corresponding to the text data. And the text data in the terminal data passing verification and the server record data are subjected to secondary verification, so that on one hand, the accuracy of data sources is improved, the data interference caused by misoperation of a user is avoided, and on the other hand, the reliability of a verification result is improved through secondary verification.

In one embodiment, as shown in fig. 5, step S530, after performing text recognition processing on the image data according to a preset text recognition algorithm and performing primary comparison and verification on the text recognition result and the text data, further includes:

and step S550, when the primary comparison check fails, marking a check failure field in the text data, and generating a prompt message according to the check failure field and feeding back to the user terminal.

In the contrast verification process of the image recognition results of the text data and the picture data, if the data fields with different data contents appear, the primary contrast verification fails, the data fields with failed verification in the text data are marked, and prompt information is fed back to the user terminal, so that the user confirms according to the prompt information, and the corresponding text data is uploaded again for contrast verification.

In one embodiment, as shown in fig. 6, step S540 of performing a secondary comparison check on text data in the terminal record data and the server record data includes:

step S542, according to the sequence of the data recording fields in the server recording data, sequentially reading the data contents of the corresponding fields in the terminal recording data.

In step S544, the data content of each data record field in the server record data and the text data is checked.

Step S546, when the data content failing to check exists, the feedback terminal records the data error message to the user terminal, reconfigures the data acquisition interface parameters, and sends the configured data acquisition interface parameters to the user terminal.

The text data and the server record data are matched according to the serial number data carried by the text data, when serial numbers are the same, the data contents of the corresponding fields are required to be consistent, the server record data are the serial data recorded according to time, the server record data corresponding to the text data can be obtained according to the serial numbers and user accounts in the text data, the data contents of the corresponding fields of the text data are sequentially read according to the sequence of the data record fields in the server record data, whether the data contents of the server record data and the data contents in the text data are consistent or not is checked according to the sequence, and in the embodiment, the method further comprises account detection, date detection, file format detection, transfer resource amount detection, transfer times detection and the like. When the data content with verification failure exists, the feedback terminal records the data error message to the user terminal, and reconfigures the data acquisition interface parameters to the user terminal to obtain updated terminal record data.

In one embodiment, the user account includes a first account and a second account, and when receiving a resource transfer confirmation message fed back by the user terminal, the step S400 of sending a first resource transfer message to the resource management server, where the first resource transfer message is used to enable the resource management server to transfer the amount of resources to be transferred from the user account to the intermediate association account includes:

when a resource transfer confirmation message fed back by the user terminal is received, verifying the resource quantity in the first account;

when the resource quantity in the first account is smaller than the resource quantity to be transferred, verifying the resource quantity in the second account and calculating the difference value between the resource quantity to be transferred and the resource quantity of the first account;

when the resource quantity in the second account is smaller than the difference value, generating a resource deficiency reminding message and feeding back the reminding message to the user terminal;

and when the amount of the resources in the second account is not less than the difference value, sending a second user resource transfer message to the resource management server, wherein the second user resource transfer message is used for enabling the resource management server to transfer the resources from the first account and the second account to the middle associated account in sequence.

When the data processing server sends the resource transfer prompt message to the user terminal, the user terminal performs data transfer operation according to the resource transfer prompt message, the user terminal sends a resource transfer confirmation message to the data processing server, the resource transfer confirmation message carries resource amount data information of the user account, the user account can comprise a plurality of user accounts, the data processing server needs to check whether the resource amount of the first account meets the resource amount to be transferred to the resource transfer target account or not, and when the resource amount of the first account is not smaller than the resource amount to be transferred, the first user resource transfer message is sent to the resource management server, so that the resource management server transfers the resource of the resource amount to be transferred from the first account to the middle associated account. When the resource quantity in the first account is smaller than the resource quantity to be transferred, verifying the resource quantity in the second account, calculating the difference value between the resource quantity to be transferred and the resource quantity of the first account as the resource quantity to be transferred of the second account, and completing the transfer of the resource quantity to be transferred through the superposition of the resource quantity of the first account and the resource quantity of the second account. If the resource quantity in the second account is smaller than the difference value, namely, the superposition of the resource quantity of the first account and the second account is also smaller than the resource quantity to be transferred, generating a resource deficiency reminding message according to the missing resource quantity and feeding back to the user terminal so as to remind the user to supplement the corresponding resource quantity into the user account.

In one embodiment, when the number of the services to be processed is multiple, protocol texts corresponding to the multiple services to be processed are respectively obtained, when intermediate associated accounts corresponding to the protocol texts are the same, the amounts of resources to be transferred in the multiple services to be processed are accumulated, the accumulated amounts of resources to be transferred and the intermediate associated account information are filled into corresponding data fields in a preset message template, an accumulated resource transfer prompt message is generated, the accumulated resource transfer prompt message is sent to a user terminal, when an accumulated resource transfer confirmation message fed back by the user terminal is received, an accumulated resource transfer message is sent to a resource management server, and the accumulated resource transfer message is used for enabling the resource management server to transfer the accumulated amounts of resources from the accounts corresponding to the user terminal to the intermediate associated accounts.

When a user signs a plurality of resource borrowing agreements and needs to finish a plurality of to-be-processed services, whether each to-be-processed service has the same intermediate associated account is confirmed by detecting the resource borrowing agreements, if the intermediate associated accounts are the same, the resource transfer of a plurality of resource transfer target accounts can be finished simultaneously through the same intermediate associated account, when the resource management server receives the transferred accumulated resource quantity, the corresponding resource quantity is transferred to each resource transfer target account according to the resource borrowing agreements of each to-be-processed service, the operation of the user is simplified, and the resource transfer efficiency is improved.

It should be understood that, although the steps in the flowcharts of fig. 2-6 are shown in order as indicated by the arrows, these steps are not necessarily performed in order as indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in fig. 2-6 may include multiple sub-steps or stages that are not necessarily performed at the same time, but may be performed at different times, nor does the order in which the sub-steps or stages are performed necessarily occur in sequence, but may be performed alternately or alternately with at least a portion of the sub-steps or stages of other steps or other steps.

In one embodiment, as shown in fig. 7, there is provided a resource transfer device including:

the middle associated account information extraction module 200 is configured to extract an amount of resources to be transferred in the service to be processed, and extract user account and middle associated account information carried by the service to be processed when the amount of resources to be transferred exceeds a set range of resource transfer thresholds;

the resource transfer prompting message generating module 300 is configured to fill the amount of resources to be transferred and the intermediate associated account information into corresponding data fields in a preset message template, generate a resource transfer prompting message, and send the resource transfer prompting message to a user terminal, where the user terminal corresponds to the user account;

A first resource transfer message sending module 400, configured to send a first resource transfer message to the resource management server when receiving a resource transfer acknowledgement message fed back by the user terminal, where the first resource transfer message is used to enable the resource management server to transfer the amount of resources to be transferred from the user account to the intermediate associated account;

the server record data receiving module 500 is configured to receive server record data fed back after the resource management server completes the first resource transfer process;

and the second resource transfer message sending module 600 is configured to send a second resource transfer message to the resource management server when the server record data passes the comparison check of the terminal record data carried by the resource transfer confirmation message, where the second resource transfer message is used to make the resource management server transfer the amount of resources to be transferred from the intermediate association account to the resource transfer target account corresponding to the service to be processed.

In one embodiment, the resource transfer device further includes a pending service confirmation module, configured to screen a protocol text with a time difference within a preset range according to a time difference between a resource transfer plan time and a current time in each stored protocol text, and determine a pending service according to a resource transfer plan in the protocol text, where the resource transfer plan includes a user account, a resource transfer plan time, a resource amount to be transferred, an intermediate association account, a resource transfer target account, and a resource transfer threshold range corresponding to the resource transfer target account

In one embodiment, the second resource transfer message sending module 600 further includes a data comparison and verification unit, configured to extract terminal record data carried by the resource transfer confirmation message, determine text data and image data included in the terminal record data according to a data format of the terminal record data, perform text recognition processing on the image data according to a preset text recognition algorithm, perform primary comparison and verification on a text recognition result of the image data and the text data, and perform secondary comparison and verification on the text data in the terminal record data and the server record data when the primary comparison and verification is successful.

In one embodiment, the data comparison and verification unit is further configured to label a verification failure field in the text data when the primary comparison and verification fails, and generate a prompt message according to the verification failure field and feed back the prompt message to the user terminal.

In one embodiment, the data comparison and verification unit is further configured to sequentially read data contents of corresponding fields of the data in the terminal record data according to the sequence of the data record fields in the server record data, verify the data contents of each data record field in the server record data and the text data, when there is a data content failing to verify, feed back a data error message recorded by the terminal to the user terminal, reconfigure the data acquisition interface parameters, and send the configured data acquisition interface parameters to the user terminal.

In one embodiment, the user account includes a first account and a second account, the first resource transfer message sending module 400 is further configured to, when receiving a resource transfer confirmation message fed back by the user terminal, check an amount of resources in the first account, send a first user resource transfer message to the resource management server when the amount of resources in the first account is not less than the amount of resources to be transferred, the first user resource transfer message being configured to cause the resource management server to transfer resources of the amount of resources to be transferred from the first account to the intermediate association account, when the amount of resources in the first account is less than the amount of resources to be transferred, check an amount of resources in the second account and calculate a difference between the amount of resources to be transferred and the amount of resources of the first account, when the amount of resources in the second account is less than the difference, generate a resource shortage reminding message and feed back to the user terminal, and send a second user resource transfer message to the resource management server when the amount of resources in the second account is not less than the difference, the second user resource transfer message being configured to cause the resource management server to sequentially transfer resources from the first account and the second account to the intermediate association account.

In one embodiment, the intermediate associated account information extraction module 200 is further configured to, when the number of the services to be processed is multiple, respectively obtain protocol texts corresponding to the multiple services to be processed, and when intermediate associated accounts corresponding to the protocol texts are the same, accumulate the amounts of resources to be transferred in the multiple services to be processed, the resource transfer prompt message generation module 300 is further configured to fill the accumulated amounts of resources to be transferred and the information of the intermediate associated accounts into corresponding data fields in a preset message template, generate an accumulated resource transfer prompt message, and send the accumulated resource transfer prompt message to the user terminal, and the first resource transfer message sending module 400 is further configured to, when an accumulated resource transfer confirmation message fed back by the user terminal is received, send an accumulated resource transfer message to the resource management server, where the accumulated resource transfer message is used to transfer the accumulated amounts of resources from the accounts corresponding to the user terminal to the intermediate associated accounts.

The resource transfer device is applied to the data processing server, the data processing server determines whether the resource quantity to be transferred exceeds a set threshold range by extracting the resource quantity to be transferred in the service to be processed, so as to judge whether the resource transfer is required to be carried out through the intermediate associated account, when the threshold range is exceeded, the data processing server generates a resource transfer prompt message and sends the resource transfer prompt message to the user terminal, so that a user can carry out a resource transfer confirmation operation according to the service to be processed and the intermediate associated account information carried in the resource transfer prompt message, when the data processing server receives the resource transfer confirmation message fed back by the user terminal, the first resource transfer message is sent to the resource management server corresponding to the intermediate associated account, the resource quantity to be transferred is transferred to the intermediate associated account from the user account, the data processing server carries out data comparison checking on the terminal record data carried by the resource transfer confirmation message and the server record data of the resource management server, and confirms whether the resource quantity to be transferred from the user account to the intermediate associated account is accurate or not, and when the comparison checking is passed, the second resource transfer message is sent to the resource management server, the intermediate associated transfer quantity to the intermediate associated account is transferred to the target account, the resource transfer of the resource is completed, the resource transfer of the user is required to be transferred to the target account, the resource transfer is carried out through the intermediate account, the target account is more than the target account, and the resource transfer is required to be transferred, and the problem is solved.

The specific limitation of the resource transfer device can be referred to as limitation of the resource transfer method hereinabove, and will not be described herein. The various modules in the resource transfer device described above may be implemented in whole or in part by software, hardware, and combinations thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.

In one embodiment, a computer device is provided, which may be a server, and the internal structure of which may be as shown in fig. 8. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is for storing resource transfer data. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a resource transfer method.

It will be appreciated by those skilled in the art that the structure shown in FIG. 8 is merely a block diagram of some of the structures associated with the present inventive arrangements and is not limiting of the computer device to which the present inventive arrangements may be applied, and that a particular computer device may include more or fewer components than shown, or may combine some of the components, or have a different arrangement of components.

In one embodiment, a computer device is provided comprising a memory storing a computer program and a processor that when executing the computer program performs the steps of:

filling the amount of the resources to be transferred and the middle associated account information into corresponding data fields in a preset message template, generating a resource transfer prompt message, and sending the resource transfer prompt message to a user terminal, wherein the user terminal corresponds to the user account;

when a resource transfer confirmation message fed back by a user terminal is received, a first resource transfer message is sent to a resource management server, wherein the first resource transfer message is used for enabling the resource management server to transfer the amount of resources to be transferred from a user account to an intermediate association account;

and when the server record data passes the comparison and verification of the terminal record data carried by the resource transfer confirmation message, sending a second resource transfer message to the resource management server, wherein the second resource transfer message is used for enabling the resource management server to transfer the resource quantity to be transferred from the intermediate association account to the resource transfer target account corresponding to the service to be processed.

In one embodiment, the processor when executing the computer program further performs the steps of:

screening protocol texts with time differences within a preset range according to the time differences between the resource transfer planning time and the current time in each stored protocol text;

and determining the service to be processed according to a resource transfer plan in the agreement text, wherein the resource transfer plan comprises a user account, a resource transfer plan time, a resource quantity to be transferred, an intermediate association account, a resource transfer target account and a resource transfer threshold range corresponding to the resource transfer target account.

Performing character recognition processing on the image data according to a preset character recognition algorithm, and performing primary comparison and verification on a character recognition result of the image data and the character data;

when the primary comparison check fails, marking a check failure field in the text data, and generating a prompt message according to the check failure field to feed back to the user terminal.

sequentially reading the data content of the corresponding fields of the Chinese data in the terminal record data according to the sequence of the data record fields in the server record data;

when the data content with verification failure exists, the feedback terminal records a data error message to the user terminal, reconfigures the data acquisition interface parameters, and sends the configured data acquisition interface parameters to the user terminal.

In one embodiment, the user account includes a first account and a second account, and the processor when executing the computer program further performs the steps of:

when the number of the to-be-processed services is multiple, protocol texts corresponding to the multiple to-be-processed services are respectively obtained;

When the intermediate associated accounts corresponding to the protocol texts are the same, accumulating the resource quantity to be transferred in the plurality of services to be processed, filling the accumulated resource quantity to be transferred and the intermediate associated account information into corresponding data fields in a preset message template, generating an accumulated resource transfer prompt message, and sending the accumulated resource transfer prompt message to a user terminal;

when receiving the accumulated resource transfer confirmation message fed back by the user terminal, the accumulated resource transfer message is sent to the resource management server, and the accumulated resource transfer message is used for enabling the resource management server to transfer the accumulated resource amount from the account corresponding to the user terminal to the middle associated account.

The computer equipment for realizing the resource transfer method is applied to the data processing server, the data processing server determines whether the resource quantity to be transferred exceeds a set threshold range by extracting the resource quantity to be transferred in the service to be processed, so as to judge whether the resource transfer is required by the intermediate associated account, when the threshold range is exceeded, the data processing server generates a resource transfer prompt message and sends the resource transfer prompt message to the user terminal, so that a user can carry out a resource transfer confirmation operation according to the service to be processed and the intermediate associated account information carried in the resource transfer prompt message, when the data processing server receives the resource transfer confirmation message fed back by the user terminal, the first resource transfer message is sent to the resource management server corresponding to the intermediate associated account, the resource quantity to be transferred is transferred from the user account to the intermediate associated account, the data processing server carries out data comparison and verification on the terminal record data carried by the resource transfer confirmation message and the server, and confirms whether the resource quantity to be transferred from the user account to the intermediate associated account is accurate or not, and when the comparison and verification pass, the second resource transfer prompt message is sent to the resource management server, the second resource transfer request is sent to the resource management account, the resource transfer target account to be transferred from the intermediate associated account to the intermediate associated account, the resource transfer account is completed, the resource transfer efficiency is improved, the resource transfer is required to be carried out, the target account is transferred, and the resource transfer is required to be transferred to the intermediate account is more than the target account, and the resource is required to be transferred, and the resource is required to be increased.

In one embodiment, a computer readable storage medium is provided having a computer program stored thereon, which when executed by a processor, performs the steps of:

In one embodiment, the computer program when executed by the processor further performs the steps of:

In one embodiment, the user account comprises a first account and a second account, the computer program when executed by the processor further implementing the steps of:

The computer readable storage medium for realizing the resource transfer method is applied to the data processing server, the data processing server determines whether the resource to be transferred exceeds a set threshold range by extracting the resource to be transferred in the service to be processed, thereby judging whether the resource transfer is required to be carried out through the intermediate associated account, when the resource to be transferred exceeds the set threshold range, the data processing server generates a resource transfer prompt message and sends the resource transfer prompt message to the user terminal, so that a user carries out a resource transfer confirmation operation according to the service to be processed and the intermediate associated account information carried in the resource transfer prompt message, when the data processing server receives the resource transfer confirmation message fed back by the user terminal, the first resource transfer message is sent to the resource management server corresponding to the intermediate associated account, the resource to be transferred is transferred from the user account to the intermediate associated account, the data processing server carries out data comparison and verification on the terminal record data carried by the resource transfer confirmation message, and confirms whether the resource quantity to be transferred from the user account to the intermediate associated account is accurate or not, when the comparison and verification is passed, the second resource transfer prompt message is sent to the resource management server, the resource transfer target resource to the intermediate associated account is transferred to the intermediate associated account, the resource transfer efficiency is improved, and the problem that the resource transfer is required to be transferred to the intermediate associated account is solved by the user is solved, and the resource transfer efficiency is increased, and the problem is solved.

Those skilled in the art will appreciate that implementing all or part of the above-described methods in accordance with the embodiments may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed may comprise the steps of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in embodiments provided herein may include non-volatile and/or volatile memory. The nonvolatile memory can include Read Only Memory (ROM), programmable ROM (PROM), electrically Programmable ROM (EPROM), electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double Data Rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous Link DRAM (SLDRAM), memory bus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), among others.

The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.

The foregoing examples illustrate only a few embodiments of the application, which are described in detail and are not to be construed as limiting the scope of the application. It should be noted that it will be apparent to those skilled in the art that several variations and modifications can be made without departing from the spirit of the application, which are all within the scope of the application. Accordingly, the scope of protection of the present application is to be determined by the appended claims.

Claims

1. A method of resource transfer, the method comprising:

extracting the amount of resources to be transferred in the service to be processed, and extracting user account and intermediate associated account information carried by the service to be processed when the amount of resources to be transferred exceeds a set range of resource transfer thresholds; the service to be processed refers to a single or multiple resource return service generated by a user according to a resource borrowing protocol when the user borrows resources, and the user needs to transfer the set number of resources to a resource transfer target account at a designated time according to the resource borrowing protocol;

when the server record data passes the comparison and verification of the terminal record data carried by the resource transfer confirmation message, a second resource transfer message is sent to the resource management server, wherein the second resource transfer message is used for enabling the resource management server to transfer the resource quantity to be transferred from the middle association account to a resource transfer target account corresponding to the service to be processed;

when receiving the accumulated resource transfer confirmation message fed back by the user terminal, sending an accumulated resource transfer message to the resource management server, wherein the accumulated resource transfer message is used for enabling the resource management server to transfer the accumulated resource quantity from the account corresponding to the user terminal to the middle associated account so as to complete resource transfer of a plurality of resource transfer target accounts through the middle associated account.

2. The method according to claim 1, wherein the extracting the amount of resources to be transferred in the service to be processed, before extracting the user account and the intermediate associated account information carried by the service to be processed when the amount of resources to be transferred exceeds a set range of resource transfer thresholds, further comprises:

3. The method according to claim 1, wherein when the server record data passes a comparison check with the terminal record data carried by the resource transfer confirmation message, before sending the second resource transfer message to the resource management server, further comprising:

4. The method of claim 3, wherein after performing a text recognition process on the image data according to a preset text recognition algorithm and performing a primary comparison and verification on a text recognition result and the text data, the method further comprises:

5. The method of claim 3, wherein performing a secondary comparison check on the text data in the terminal record data and the server record data comprises:

6. The method of claim 1, wherein the user account comprises a first account and a second account, wherein the sending a first resource transfer message to a resource management server when a resource transfer confirmation message fed back by the user terminal is received, wherein the first resource transfer message is used for causing the resource management server to transfer the amount of resources to be transferred from the user account to an intermediate associated account comprises:

7. A resource transfer device, the device comprising:

the intermediate associated account information extraction module is used for extracting the amount of resources to be transferred in the service to be processed, and extracting the user account and intermediate associated account information carried by the service to be processed when the amount of resources to be transferred exceeds a set resource transfer threshold range; the service to be processed refers to a single or multiple resource return service generated by a user according to a resource borrowing protocol when the user borrows resources, and the user needs to transfer the set number of resources to a resource transfer target account at a designated time according to the resource borrowing protocol;

a second resource transfer message sending module, configured to send a second resource transfer message to the resource management server when the server record data passes the comparison check of the terminal record data carried by the resource transfer confirmation message, where the second resource transfer message is used to make the resource management server transfer the amount of resources to be transferred from the intermediate association account to a resource transfer target account corresponding to the service to be processed;

the middle associated account information extraction module is further used for respectively acquiring protocol texts corresponding to a plurality of to-be-processed services when the number of to-be-processed services is multiple; when the intermediate associated accounts corresponding to the protocol texts are the same, accumulating the amount of resources to be transferred in a plurality of services to be processed;

The resource transfer prompt message generation module is further used for filling the accumulated amount of resources to be transferred and the intermediate associated account information into corresponding data fields in a preset message template, generating an accumulated resource transfer prompt message and sending the accumulated resource transfer prompt message to a user terminal;

the first resource transfer message sending module is further configured to send an accumulated resource transfer message to the resource management server when an accumulated resource transfer confirmation message fed back by the user terminal is received, where the accumulated resource transfer message is used to enable the resource management server to transfer the accumulated resource amount from the account corresponding to the user terminal to the intermediate associated account, so as to complete resource transfer to a plurality of resource transfer target accounts through the intermediate associated account at the same time.

8. The apparatus of claim 7, further comprising a pending service confirmation module configured to complete resource transfer to a plurality of resource transfer target accounts simultaneously through the intermediate associated accounts, and when the resource management server receives the transferred accumulated resource amounts, transfer corresponding resource amounts to the respective resource transfer target accounts according to resource borrowing protocol texts of the respective pending services.

9. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any of claims 1 to 6 when the computer program is executed.

10. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.