Abstract: This disclosure relates to account transfer request processing. In one aspect, a method includes obtaining an account transfer request submitted by a first terminal. The account transfer request is a request to transfer a transfer amount from the account of the initiator to a payee. Payee information corresponding to the payee of the account transfer request is obtained. The payee information includes identification information specifying payee contact information for the payee. A determination is made that the payee is not a registered user of a platform that initiated the account transfer request. This determination includes querying whether the identification information exists in a registered user database of the platform. In response to determining that the payee is not a registered user of the platform, a payment prompt that is configured to prompt the payee to collect payment of the account transfer is transmitted to a second terminal of the payee.