Numerical value transfer method, terminal and cloud server

The present invention discloses a numerical value transfer method, a terminal and a cloud server. The method comprises receiving a numerical value transfer request sent by the terminal, the numerical value transfer request carrying user characteristic information, a user account currently logged by the terminal and a target numerical value for current numerical value transfer, the user characteristic information being obtained by performing characteristics extracting on a target image by the terminal; acquiring credit information and a numerical value transfer history of a user based on the user characteristic information and the user account; and performing numerical value transfer based on the credit information, the numerical value transfer history and the target numerical value. By extracting the user characteristic information of the target image, manual input of the account and combinations for numerical value transfer is avoided, the operation is simple, and the safety of numerical value transfer is also raised.