This disclosure relates to a numerical value transfer method, a terminal, a cloud server, a computer program and a recording medium. The method comprises: receiving (101) a numerical value transfer request sent by a terminal, the numerical value transfer request carrying user characteristic information, a user account being currently login of the terminal and a target numerical value of the numerical value transfer being currently performed, the user characteristic information being obtained by characteristic extraction from a target image in the terminal; acquiring credit information (102) and historical numerical value transfer record of a user based on the user characteristic information and the user account; and performing (103) numerical value transfer based on the credit information, the historical numerical value transfer record and the target numerical value. By extracting the user characteristic information of the target image, this disclosure saves the user from manually inputting account number and password for performing numerical value transfer with easy operations and enhances the security for numerical value transfer.