CN108596579B

CN108596579B - Virtual resource transfer method, device, terminal and storage medium

Info

Publication number: CN108596579B
Application number: CN201810259940.0A
Authority: CN
Inventors: 郭超
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2018-03-27
Filing date: 2018-03-27
Publication date: 2020-07-07
Anticipated expiration: 2038-03-27
Also published as: CN108596579A

Abstract

The embodiment of the invention discloses a virtual resource transfer method, a device, a terminal and a storage medium; the embodiment of the invention adopts the resource receiving code provided by the virtual resource receiving party to be identified to obtain the information of the virtual resource receiving party; when the condition that the intermediate interface skipping is met is judged, skipping to display a resource distribution intermediate interface, wherein the resource distribution intermediate interface comprises a dynamic resource receiving code corresponding to the virtual resource receiver identification; identifying the current dynamic resource receiving code in the resource issuing intermediate interface based on the detected identification operation aiming at the resource issuing intermediate interface to obtain virtual resource transfer information, wherein the virtual resource transfer information comprises virtual resource receiver identification and resource transfer quantity; and triggering the virtual resource from the virtual resource issuer identification to the virtual resource receiver identification according to the virtual resource transfer information to transfer the resource. The scheme can improve the safety of virtual resource transfer.

Description

Virtual resource transfer method, device, terminal and storage medium

Technical Field

The invention relates to the technical field of internet, in particular to a virtual resource transfer method, a virtual resource transfer device, a virtual resource transfer terminal and a storage medium.

Background

With the development of internet technology, more and more virtual resource transfers exist on the internet, and virtual resources are transferred from one virtual resource account to another virtual resource account, such as account transfer, red packages and the like.

At present, a plurality of virtual resource transferring modes are used for transferring virtual resources. Common transfer methods include barcode-based virtual resource transfer. The virtual resource transfer mode based on the bar code is a mode that the bar code is used as an information carrier, virtual resource transfer elements are directly or indirectly obtained from the bar code through a mobile terminal, and the existing virtual resource transfer channel is utilized to complete resource transfer. For example, the payee provides a collection code, and the payer scans the collection code using the mobile terminal to transfer money to the account of the payee.

However, the barcode used in the barcode-based virtual resource transfer method is a static code, and the static code itself may cause a security risk in virtual resource transfer. For example, the payee code is replaced by another payee code, resulting in a loss of funds from the payee, etc.

Disclosure of Invention

The embodiment of the invention provides a virtual resource transfer method, a virtual resource transfer device, a virtual resource transfer terminal and a virtual resource transfer storage medium, which can improve the safety of virtual resource transfer.

The embodiment of the invention provides a virtual resource transfer method, which comprises the following steps:

identifying a resource receiving code provided by a virtual resource receiving party to obtain virtual resource receiving party information, wherein the virtual resource receiving party information comprises a virtual resource receiving party identification and a resource transfer quantity;

when the condition that the intermediate interface skipping is met is judged, skipping to display a resource distribution intermediate interface, wherein the resource distribution intermediate interface comprises a dynamic resource receiving code corresponding to the virtual resource receiving party identifier;

identifying the current dynamic resource receiving code in the resource issuing intermediate interface based on the detected identification operation aiming at the resource issuing intermediate interface to obtain the virtual resource transfer information, wherein the virtual resource transfer information comprises the virtual resource receiver identification and the resource transfer quantity;

and triggering the virtual resource from the virtual resource distributor identification to the virtual resource receiver identification according to the virtual resource transfer information to transfer the resources.

Correspondingly, an embodiment of the present invention further provides a virtual resource transfer apparatus, including:

the system comprises a first identification unit, a second identification unit and a resource receiving unit, wherein the first identification unit is used for identifying a resource receiving code provided by a virtual resource receiving party to obtain virtual resource receiving party information, and the virtual resource receiving party information comprises a virtual resource receiving party identifier and a resource transfer quantity;

the skip display unit is used for skipping and displaying a resource distribution intermediate interface when the skip condition of the intermediate interface is judged to be met, wherein the resource distribution intermediate interface comprises a dynamic resource receiving code corresponding to the virtual resource receiver identification;

a second identification unit, configured to identify, based on the detected identification operation for the resource distribution intermediate interface, a current dynamic resource receiving code in the resource distribution intermediate interface to obtain the virtual resource transfer information, where the virtual resource transfer information includes the virtual resource receiver identifier and the resource transfer number;

and the resource transfer triggering unit is used for triggering resource transfer from the virtual resource issuer identification to the virtual resource receiver identification according to the virtual resource transfer information.

Correspondingly, the embodiment of the present invention further provides a storage medium, where the storage medium stores instructions, and the instructions, when executed by a processor, implement the steps of any of the methods provided in the embodiment of the present invention.

Correspondingly, the embodiment of the present invention further provides a terminal, which includes a memory and a processor, where the memory stores instructions, and the processor loads the instructions to execute the method steps provided in any one of the embodiments of the present invention.

The embodiment of the invention adopts the resource receiving code provided by the virtual resource receiving party to be identified to obtain the information of the virtual resource receiving party, wherein the information of the virtual resource receiving party comprises the identification of the virtual resource receiving party and the resource transfer quantity; when the condition that the intermediate interface skipping is met is judged, skipping to display a resource distribution intermediate interface, wherein the resource distribution intermediate interface comprises a dynamic resource receiving code corresponding to the virtual resource receiver identification; identifying the current dynamic resource receiving code in the resource issuing intermediate interface based on the detected identification operation aiming at the resource issuing intermediate interface to obtain virtual resource transfer information, wherein the virtual resource transfer information comprises virtual resource receiver identification and resource transfer quantity; and triggering the virtual resource from the virtual resource issuer identification to the virtual resource receiver identification according to the virtual resource transfer information to transfer the resource. According to the scheme, the static resource receiving codes can be converted into the dynamic resource receiving codes, virtual resource transfer is achieved based on the dynamic resource receiving codes, and the safety of virtual resource transfer is improved.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1a is a schematic view of a scenario of a virtual resource transfer system according to an embodiment of the present invention;

fig. 1b is a schematic view of another scenario of a virtual resource transfer system according to an embodiment of the present invention;

fig. 1c is a schematic view of another scenario of a virtual resource transfer system according to an embodiment of the present invention;

fig. 2 is a flowchart illustrating a virtual resource transfer method according to an embodiment of the present invention;

FIG. 3a is a schematic diagram of a static code display according to an embodiment of the present invention;

FIG. 3b is a schematic diagram of a generation of a cash register according to an embodiment of the present invention;

FIG. 3c is a schematic diagram of another static code display according to an embodiment of the present invention;

FIG. 3d is a schematic diagram of a code scanning trigger according to an embodiment of the present invention;

FIG. 3e is a diagram of another exemplary scan code trigger according to the present invention;

FIG. 4a is a first exemplary illustration of a code-scanning payment provided by an embodiment of the present invention;

FIG. 4b is a second exemplary illustration of a code-scanning payment provided by an embodiment of the present invention;

FIG. 4c is a third exemplary illustration of a code-scanning payment provided by an embodiment of the present invention;

fig. 5a is another schematic flowchart of a virtual resource transfer method according to an embodiment of the present invention;

FIG. 5b is a fourth exemplary illustration of a code-scanning payment provided by an embodiment of the present invention;

FIG. 5c is a fifth exemplary illustration of a code-scanning payment provided by an embodiment of the invention;

FIG. 5d is a sixth exemplary illustration of a code-scanning payment provided by an embodiment of the present invention;

FIG. 5e is a seventh exemplary illustration of a code-scanning payment provided by an embodiment of the present invention;

FIG. 5f is an eighth exemplary illustration of a code-scanning payment provided by an embodiment of the invention;

FIG. 5g is a ninth exemplary illustration of a code-scanning payment provided by an embodiment of the invention;

fig. 6a is a schematic structural diagram of a virtual resource transfer apparatus according to an embodiment of the present invention;

fig. 6b is a schematic structural diagram of a virtual resource transfer apparatus according to a second embodiment of the present invention;

fig. 6c is a schematic structural diagram of a virtual resource transfer apparatus according to an embodiment of the present invention;

fig. 6d is a schematic diagram illustrating a fourth structure of a virtual resource transfer apparatus according to an embodiment of the present invention;

fig. 7 is a schematic structural diagram of a terminal according to an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The embodiment of the invention provides a virtual resource transfer method, a virtual resource transfer device, a virtual resource transfer terminal and a virtual resource transfer storage medium.

The embodiment of the invention provides a virtual resource transfer system, which can comprise any virtual resource transfer device provided by the embodiment of the invention. The virtual resource transfer device can be integrated in a terminal, and the terminal can be a mobile phone, a tablet computer, a wearable device and the like.

In addition, the virtual resource transfer system may also include other devices, such as a server and the like.

For example, referring to fig. 1a, there is provided a virtual resource transfer system comprising: a terminal 10 as a virtual resource issuer (in practice, the virtual resource issuer may also be used as a virtual resource receiver), a terminal 20 as a virtual resource receiver (in practice, the virtual resource receiver may also be used as a virtual resource issuer), and a virtual resource server 30. The

terminals

10, 20 and the virtual resource server 30 are connected via a network. The network includes network entities such as routers and gateways, which are shown schematically in the figure.

In some embodiments, referring to FIG. 1b, the functionality of virtual resource server 30 may be integrated in social server 80.

In a scene where virtual resource transfer is required, the terminal 20 may display a static resource receiving code; the terminal 10 may identify the static resource receiving code displayed by the terminal 20 to obtain virtual resource receiver information, where the virtual resource receiver information includes a virtual resource receiver identifier and a resource transfer number; when the condition that the intermediate interface skipping is met is judged, skipping to display a resource distribution intermediate interface, wherein the resource distribution intermediate interface comprises a dynamic resource receiving code corresponding to the virtual resource receiver identification; identifying the current dynamic resource receiving code in the resource issuing intermediate interface based on the detected identification operation aiming at the resource issuing intermediate interface to obtain virtual resource transfer information, wherein the virtual resource transfer information comprises virtual resource receiver identification and resource transfer quantity; and triggering the virtual resource from the virtual resource issuer identification to the virtual resource receiver identification according to the virtual resource transfer information to transfer the resource.

Specifically, the terminal 10 may implement resource transfer from the virtual resource issuer identification to the virtual resource receiver identification through the virtual resource server 30. For example, the terminal 10 sends a resource transfer request carrying virtual resource transfer information to the virtual resource server 30, and the virtual resource server 30 may perform resource transfer from the virtual resource issuer identifier to the virtual resource receiver identifier according to the resource transfer request.

Further, in an embodiment, when the virtual resource server 30 successfully transfers the resource, the resource transfer success notification information may be sent to the corresponding terminal, such as the terminal 20, identified by the virtual resource receiver.

For another example, referring to fig. 1c, another virtual resource transfer system is provided, the virtual resource transfer system comprising: a terminal 10 as a virtual resource issuer (in practice, the virtual resource issuer may also be used as a virtual resource receiver), and a virtual resource server 30. The terminal 10 and the virtual resource server 30 are connected via a network. The network includes network entities such as routers and gateways, which are shown schematically in the figure.

In a scene needing virtual resource transfer, the virtual resource receiver can print the static resource receiving code for receiving the virtual resource into other material forms, for example, into forms of stickers, billboards, and the like. The terminal 10 of the virtual resource issuer can identify the static resource receiving codes in other material forms to obtain the virtual resource receiver information, wherein the virtual resource receiver information includes the virtual resource receiver identification and the resource transfer quantity; when the condition that the intermediate interface skipping is met is judged, skipping to display a resource distribution intermediate interface, wherein the resource distribution intermediate interface comprises a dynamic resource receiving code corresponding to the virtual resource receiver identification; identifying the current dynamic resource receiving code in the resource issuing intermediate interface based on the detected identification operation aiming at the resource issuing intermediate interface to obtain virtual resource transfer information, wherein the virtual resource transfer information comprises virtual resource receiver identification and resource transfer quantity; and triggering the virtual resource from the virtual resource issuer identification to the virtual resource receiver identification according to the virtual resource transfer information to transfer the resource.

The above-mentioned fig. 1a, fig. 1b and fig. 1c are only examples of several system architectures for implementing the embodiments of the present invention, and the embodiments of the present invention are not limited to the system architectures shown in the above-mentioned fig. 1a, fig. 1b and fig. 1c, and various embodiments of the present invention are proposed based on the system architectures.

The present embodiment will be described from the perspective of a virtual resource transfer apparatus, which may be integrated in a terminal.

As shown in fig. 2, a virtual resource transfer method is provided, which may be executed by a processor of a terminal, and the specific flow may be as follows:

201. and identifying the resource receiving code provided by the virtual resource receiving party to obtain the virtual resource receiving party information, wherein the virtual resource receiving party information comprises the virtual resource receiving party identification and the resource transfer quantity.

The resource receiving code may be a graphic code for receiving the virtual resource, and may include a static resource receiving code or a dynamic resource receiving code, for example.

The static resource receiving code may be a static code for receiving the virtual resource. The static code can be a graphic code (such as a two-dimensional code, a bar code and the like) which has longer time effectiveness and can be repeatedly used. For example, a static two-dimensional code, a static bar code, etc. may be used.

The static resource recipient code may be a static collection code or a static transfer code, for example, for payment or transfer.

The dynamic resource receiving code may be a dynamic code for receiving the virtual resource. The dynamic code can be a graphic code (such as a two-dimensional code, a bar code and the like) which is updated at regular intervals and has shorter time efficiency. For example, dynamic two-dimensional codes, static barcodes, etc. may be used.

The dynamic resource recipient code may be a dynamic collection code or a dynamic transfer code, such as a payment or transfer.

The resource transfer amount may be the amount of the virtual resource to be transferred, for example, taking payment or transfer as an example, the resource transfer amount is a payment amount, a transfer amount, a collection amount, and the like.

For example, referring to fig. 3a, in an embodiment, the virtual resource receiver may display the static resource receiving code through a terminal (the terminal may be a terminal of the virtual resource receiver user itself, or a terminal of another user), so as to provide the static resource receiving code.

The static resource receiving code may be generated by the terminal of the virtual resource receiving party, for example, by taking payment or transfer as an example, the terminal may generate and display a corresponding static receiving code based on the operation of the user. Referring to fig. 3b, when the user can click the lower menu button "+" in the instant messaging interface displayed by the terminal, the terminal displays a lower menu including the receipt and payment code generation display entry "receipt and payment" + "; when the user clicks the collection code generation display entrance to receive and pay, the terminal enters a collection and payment code generation interface, and when the user clicks the two-dimensional code collection button, the terminal generates and displays a corresponding static collection two-dimensional code. In addition, the user may also set the amount of money to be collected, for example, the user sets the amount of money to be collected through a "set amount" button, such as 600 yuan, and after setting, a static two-dimensional code for collection carrying the amount of money to be collected is generated and displayed.

In one embodiment, the virtual resource receiver may print the static resource receiving code into other material forms, such as a sticker, a billboard, and the like. For example, referring to FIG. 3c, a static resource-receiving two-dimensional code can be printed into a decal presentation.

In the embodiment of the invention, the static resource receiving code provided by the virtual resource receiving party can be identified through the camera. For example, the step "identifying the static resource receiving code provided by the virtual resource receiving party" may include:

when a code scanning identification instruction is received, a camera can be called to collect images according to the code scanning identification instruction; and when the acquired image contains the static resource receiving code, identifying the static resource receiving code pair.

For example, referring to fig. 3d and 3e, when the user can click the lower menu button "+" in the instant messaging interface displayed by the terminal, the terminal displays a lower menu in the instant messaging interface, where the lower menu includes the code scanning entry "scan"; or, the user can click the code scanning entry to scan in the instant messaging function interface. At this moment, a code scanning identification instruction is triggered to be generated, the terminal calls a camera to collect images according to the code scanning identification instruction so as to scan and identify graphic codes such as two-dimensional codes and bar codes, and a scanning window is displayed, wherein the scanning window comprises the images collected by the camera. When the graphic code appearing in the scanning window is detected, the graphic code is identified, and the virtual resource receiver information corresponding to the graphic code, such as payee information and the like, is extracted.

In the embodiment of the present invention, the static resource receiving code may be identified to obtain the virtual resource receiving party information, where the virtual resource receiving party information may include a virtual resource receiving party identifier, and in addition, may also include user information (such as nickname information, avatar information, type of virtual resource receiving party, etc.) of the virtual resource receiving party, encryption information, and virtual resource transfer related information (such as order information of virtual resource transfer, etc.), and so on. The virtual resource recipient type includes a person, a merchant, and the like.

The virtual resource receiver identifier may be an identity of a virtual resource receiver user, for example, taking payment as an example, the virtual resource receiver identifier may include a payment account (e.g., a bank account, a payment account of a third party payment platform) of the virtual resource receiver user, and the like.

For another example, in the case where social interaction is integrated with the virtual resource transfer function, the virtual resource recipient identifier may include an identity of the user in the social network, such as an instant messenger identifier and the like.

202. And when the condition that the intermediate interface skipping is met is judged, skipping to display the resource issuing intermediate interface, wherein the resource issuing intermediate interface comprises a dynamic resource receiving code corresponding to the virtual resource receiving party identifier.

For example, when the resource receiving code is successfully identified, whether the intermediate interface jump condition is met is judged, and if yes, the resource distribution intermediate interface is jumped to be displayed.

For example, taking payment or transfer as an example, referring to fig. 4a, when scanning and identifying the static two-dimensional code for receiving payment succeeds, whether an intermediate interface jump condition is met is determined, and if the intermediate interface jump condition is met, the intermediate payment interface, that is, the resource issuing intermediate interface, is jumped to be displayed, where the intermediate payment interface includes the dynamic two-dimensional code for receiving payment and the like.

And the dynamic resource receiving code corresponding to the virtual resource receiver identifier is a dynamic code for the virtual resource receiver identifier to receive the virtual resource. It can carry: virtual resource receiver identification information, encryption information, necessary related information of virtual resource transfer (such as order information of virtual resource transfer, etc.), and the like.

Due to the updating characteristic of the dynamic code, the method of the embodiment of the invention may further include periodically updating the dynamic resource receiving code in the resource issuing intermediate interface. The specific updating process comprises the following steps:

when detecting that the update period of the dynamic resource receiving code arrives, acquiring a new dynamic resource receiving code corresponding to the virtual resource receiving party identifier from the server;

and updating the dynamic resource receiving codes in the resource distribution intermediate interface according to the new dynamic resource receiving codes.

The update period of the dynamic resource receiving code may be set according to actual requirements, for example, 30 seconds, 1 minute, and the like.

In one embodiment, an expiration date may be set for the dynamic resource receiving code, and the dynamic resource receiving code is invalidated when the expiration date is reached. The valid period may be set according to actual requirements, for example, 10 minutes, 5 minutes, and the like.

In order to improve the safety of virtual resource transfer, safety confirmation information corresponding to the virtual resource receiver identification can be additionally displayed on the resource distribution intermediate interface. For example, in an embodiment, the method may further include:

acquiring safety confirmation information corresponding to the virtual resource receiver identification, wherein the safety confirmation information comprises at least one of real name information and operation information;

and displaying the safety confirmation information in the resource issuing intermediate interface.

The security confirmation information may include: nicknames, head portraits, real name information, operational information, and the like. Wherein, when the virtual resource receiver is a merchant, the operation information may include: merchant name, store name, business range, agency authentication information, and the like.

In addition, the resource issuing intermediate interface can also comprise resource transferring quantity, resource transferring policy information, safety prompting information and the like.

In an embodiment, the position of the avatar corresponding to the virtual resource receiver identifier displayed on the resource distribution intermediate interface may be set according to actual requirements, for example, the avatar may be displayed on the dynamic resource receiving code.

For example, referring to fig. 4a, when the terminal successfully scans and identifies the static two-dimensional collection code, it is determined whether a middle interface skip condition is met, and if the middle interface skip condition is met, the middle payment interface, that is, the resource distribution middle interface, may be skipped to display. The middle payment interface comprises a dynamic collection two-dimensional code, a collection side head portrait (located in the middle of the dynamic collection two-dimensional code), real name information and a nickname of a collection side (located below the two-dimensional code), payment amount (located above the two-dimensional code) and the like. In practical application, the display position of each piece of information on the intermediate payment interface can be set according to actual requirements, and is not limited to the display position described in the embodiment of the invention.

In one embodiment, the resource issuance intermediate interface further comprises: a graphic code identification interface; the user can trigger dynamic code identification through the graphic code identification interface. The graphic code recognition interface can be represented in various forms, such as buttons, icons, input boxes and the like.

For example, referring to fig. 4a, the intermediary payment interface further comprises a graphic code recognition interface, i.e., a "recognize and pay" button, which when clicked by the user triggers the recognition of the dynamic checkout two-dimensional code.

In one embodiment, the resource issuance intermediate interface may further include: a graphic code area; the dynamic resource receiving code is located in the graphic code area. When the user performs corresponding operation such as click operation on the graphic code area, the dynamic code identification is triggered.

For example, referring to fig. 4a, when the user can input a payment amount, such as 600 dollars, in the payment amount input box, and then click the "pay" button, and the terminal detects the click operation of the "pay" button, the display of the intermediate payment interface, i.e., the resource issuance intermediate interface, can be skipped. The intermediate payment interface comprises a graphic code area 21, and a dynamic collection two-dimensional code 22 is positioned in the graphic code area 21.

In an embodiment, in order to improve the security of resource transfer, an intermediate interface jump condition for jumping to display the resource distribution intermediate interface may be set, and when the resource receiving code is successfully identified, it may be determined whether the intermediate interface jump condition is satisfied, and if so, the intermediate interface for jumping to display the resource distribution intermediate interface is displayed.

In an embodiment, in order to improve the speed and efficiency of resource transfer, when the intermediate interface jump condition is not satisfied, the resource transfer from the virtual resource issuer identifier to the virtual resource receiver identifier may be directly triggered according to the virtual resource receiver information. Alternatively, a resource transfer confirmation interface may be displayed; and triggering resource transfer from the virtual resource issuer identification to the virtual resource receiver identification based on the detection of the resource transfer confirmation operation aiming at the resource transfer confirmation interface.

Wherein, the resource transfer confirmation interface comprises: and the resource transfer confirmation interface can trigger resource transfer from the virtual resource issuer identification to the virtual resource receiver identification based on detecting the resource transfer confirmation operation aiming at the resource transfer confirmation interface.

The resource transfer confirmation interface may be represented in various forms, such as icons, buttons, input boxes, and the like.

In addition, in order to further improve the security of resource transfer, security confirmation information may be further displayed on the resource transfer confirmation interface, where the security confirmation information may include: the virtual resource receiving party identification corresponds to at least one of user information (such as a nickname), real name information, resource transfer quantity, other resource identification information (such as bound bank account information) bound by the virtual resource issuing party identification and the like. For example, reference may be made to the payment confirmation interface in fig. 4 b.

The intermediate interface jump condition may be set according to an actual requirement, for example, may be set based on security of resource transfer, for example, when a potential safety hazard exists in resource transfer, the intermediate interface may be jumped to display to perform a subsequent security resource transfer process.

Several intermediate interface jump conditions will be described in detail below:

(1) the number of resource transfers;

the intermediate interface jump condition may include: the current resource transfer quantity is larger than the maximum resource transfer quantity corresponding to the static resource receiving code; at this time, the step "jump display resource issue intermediate interface when it is judged that the intermediate interface jump condition is satisfied", may include:

judging whether the current resource transfer quantity is larger than the maximum resource transfer quantity corresponding to the static resource receiving code;

if yes, the condition that the intermediate interface skipping condition is met is judged, and the resource distribution intermediate interface is skipped and displayed.

The current resource transfer quantity can be the quantity of the resources which need to be transferred currently, and the current resource transfer quantity is the amount of money which needs to be paid or transferred by taking payment or transfer as an example. The maximum resource transfer quantity corresponding to the static resource receiving code is the maximum amount paid or transferred by the static code.

The number of resource transfers required to be transferred can be obtained by identifying the resource receiving code.

Taking payment or transfer as an example, the amount of money needing payment or transfer at present can be obtained, then whether the amount of money is larger than the maximum limit of static code payment is judged, if so, the situation that the amount of money paid based on the static code exceeds the limit at present and potential safety hazards possibly exist is shown, and at the moment, the resource issuing intermediate interface can be skipped to display to carry out subsequent safe transfer or payment processes.

Referring to fig. 4a and 4b, when the static collection two-dimensional code is successfully scanned and identified, whether the collection amount is larger than the maximum amount paid by the static code is judged if the collection amount is 600 yuan, and if the collection amount is larger than the maximum amount paid by the static code, the payment intermediate interface is jumped to be displayed.

(2) And credit investigation;

the intermediate interface jump condition may include: and the credit investigation information corresponding to the virtual resource receiver identification does not meet the preset credit condition. At this time, the step "jump displaying the resource distribution intermediate interface when it is judged that the intermediate interface jump condition is satisfied", may include:

acquiring credit investigation information corresponding to the virtual resource receiver identification;

and when the credit investigation information does not meet the preset credit condition, judging that the intermediate interface skipping condition is met, and skipping to display the resource distribution intermediate interface.

The credit investigation is that a specialized and independent third-party organization establishes a credit file for individuals or enterprises, and collects and objectively records credit information thereof by law. Thus, the credit information may include credit information of the user (individual or business). The credit investigation can be divided into the following service objects: credit, business credit, employment credit, and other credit.

In the embodiment of the invention, the credit investigation information corresponding to the virtual resource receiver identification can be obtained from the credit investigation server provided by the credit investigation institution. For example, the terminal may obtain real-name information of the virtual resource receiver corresponding to the virtual resource receiver identifier, and obtain corresponding credit investigation information from the credit investigation server according to the real-name information.

The preset credit condition may be set according to actual requirements, for example, when the credit investigation information includes a credit score, the credit score of the preset credit condition may be greater than the preset score.

Taking payment or transfer as an example, credit investigation information corresponding to the identity of the payee can be obtained, and then whether the credit investigation information meets the preset credit condition is judged, if not, the collection credit is not good, and potential safety hazards may exist, at the moment, the jump condition of the intermediate interface is met, and the resource distribution intermediate interface can be jumped to display subsequent safe transfer or payment processes.

Referring to fig. 4a and 4b, when the static collection two-dimensional code is successfully scanned and identified, the terminal may obtain credit investigation information of the payee, and when the credit investigation information is judged not to satisfy the preset credit condition, skip to display the payment intermediate interface.

(3) Fraud behavior;

the intermediate interface jump condition may include: and the fraud behavior information corresponding to the virtual resource receiver identification meets the preset fraud condition. At this time, the step "jump displaying the resource distribution intermediate interface when it is judged that the intermediate interface jump condition is satisfied", may include:

acquiring fraud behavior information corresponding to the virtual resource receiver identifier;

and when the fraud behavior information meets a preset fraud condition, judging that a middle interface skipping condition is met, and skipping to display a resource distribution middle interface.

The fraud is the behavior that the operator takes false or other illegal means to deceive and mislead others in the process of providing goods and services, so that the legitimate rights and interests of others are damaged. Such as fraud or other fraudulent practices in the network, misleading others to make transfers or payments.

In the embodiment of the invention, the fraud behavior information corresponding to the virtual resource receiver identification can be acquired from the social server or the server of other fraud recording mechanisms.

For example, in instant messaging, the social server records reporting information (reporting times, reporting content, etc.) of the user identifier, then determines whether the user identifier has a fraudulent behavior according to the reporting information, and records the fraudulent behavior information corresponding to the user identifier if the user identifier has the fraudulent behavior. When resource transfer is performed, the terminal may obtain fraud behavior information corresponding to the user identifier (virtual resource receiver identifier) from the social server.

For another example, in practical applications, a government agency or a third-party organization may actively recognize or determine whether an operator or an individual has a fraud behavior according to a report, and record the fraud behavior in a corresponding organization server, and when performing resource transfer, the terminal may obtain the fraud behavior information of the user (virtual resource receiver) from the organization server.

Taking payment or transfer as an example, fraudulent behavior information corresponding to a payee identification can be obtained, then whether the fraudulent behavior information meets preset fraudulent conditions or not is judged, if yes, the payee is proved to have fraudulent behavior, therefore, potential safety hazards may exist, at the moment, the intermediate interface jump conditions are met, and the display resource issuing intermediate interface can be jumped to perform subsequent safe transfer or payment processes.

Referring to fig. 4a and 4b, when the static collection two-dimensional code is successfully scanned and identified, the terminal may obtain fraud information of the collector, and when the fraud information is determined to meet a preset fraud condition, skip to display a payment intermediate interface.

(4) A total amount of resource transfer based on the resource receiving code;

the intermediate interface jump condition may include: and in the historical time period, the virtual resource receiver identification is larger than a preset threshold value based on the total resource transfer amount of the resource transfer of the resource receiving code transfer resource. At this time, the step "jump displaying the resource distribution intermediate interface when it is judged that the intermediate interface jump condition is satisfied", may include:

acquiring the total resource transfer amount of the virtual resource issuer identification based on the resource receiving code transfer resource in a historical time period;

and when the total resource transfer amount is larger than a preset threshold value, judging that a middle interface jump condition is met, and jumping to display a resource distribution middle interface.

For example, in the case of payment or transfer, the total amount of resource transfer may be the total amount paid or transferred by the virtual resource issuer through a cash register (such as a two-dimensional code or a bar code) during the historical time period.

The total resource transfer amount can be obtained by summing the resource transfer amounts of the virtual resource issuer identification based on the resource receiving code transfer resources in the historical time period; for example, the sum of the payment amounts paid by the virtual resource issuer through the cash register (such as a two-dimensional code or a bar code) in the historical time period can be obtained.

The resource receiving code may include a static resource receiving code or a dynamic resource receiving code.

The historical time period may be set according to actual needs, for example, a previous month and a previous week. The historical time period may be (t1, t2), t1 is the historical time, and t2 is the current time, and in one embodiment, the historical time period may also be a time distance between infinity in the past and the current time, such as (∞, t2), i.e., t1 ∞.

The preset threshold may also be set according to actual requirements, for example, the payment may be 1000 yuan, 2000 yuan, and the like. Taking payment or transfer as an example, the total payment amount paid by the payer identification based on the collection code can be obtained; and then, judging whether the total payment amount is larger than a preset threshold value, if so, indicating that the total payment amount in a payment mode through a collection code is too large, so that potential safety hazards may exist, and at the moment, skipping to display a resource distribution intermediate interface to perform subsequent safe transfer or payment process.

Referring to fig. 4a and 4b, when the static two-dimensional code for collection is scanned and identified successfully, the terminal may obtain the total payment amount paid by the payer through the collection code in a historical time period, for example, 15000, and when the total payment amount is determined to be, for example, 15000 greater than a preset threshold, for example, 10000, the payment intermediate interface is jumped to display.

(5) The total amount of resource transfer based on the same resource receiving code;

the intermediate interface jump condition may include: and in the historical time period, the virtual resource receiver identification is larger than a preset threshold value based on the total resource transfer amount of the current resource receiving code transfer resources. At this time, the step "jump displaying the resource distribution intermediate interface when it is judged that the intermediate interface jump condition is satisfied", may include:

acquiring the total resource transfer amount of the virtual resource issuer identification based on the resource receiving code transfer resource in the historical time period;

The total resource transfer amount is the total resource transfer amount of the virtual resource issuer identification transferring resources based on the same resource receiving code in the historical time period. For example, in the case of payment or transfer, the total amount of resource transfer may be the total amount paid or transferred by the virtual resource issuer through the current static collection code (e.g., two-dimensional code or bar code) a during the historical time period.

The total resource transfer amount can be obtained by summing the resource transfer amounts of the virtual resource issuer identification transferred resources based on the current resource receiving code in the historical time period; for example, the sum of the payment amounts paid by the virtual resource issuer through the current static cash register code (such as a two-dimensional code or a bar code) in the historical time period can be obtained.

The preset threshold may also be set according to actual requirements, for example, the payment may be 1000 yuan, 2000 yuan, and the like.

Taking payment or transfer as an example, the total payment amount paid by the payer identification based on the static collection code can be obtained; and then, judging whether the total payment amount is larger than a preset threshold value, if so, indicating that the total payment amount is overlarge for the same static collection code, so that potential safety hazards may exist, and at the moment, skipping to display a resource distribution intermediate interface to perform subsequent safe transfer or payment process.

Referring to fig. 4a and 4b, when the static two-dimensional code for collection is scanned and identified successfully, the terminal may obtain the total payment amount paid by the payer through the static two-dimensional code for collection in a historical time period, such as 15000, and when the total payment amount is judged to be greater than a preset threshold, such as 10000, the payment intermediate interface is jumped to display.

(6) Resource transfer times;

the intermediate interface jump condition may include: and the resource transfer times of transferring the resource from the virtual resource receiver identifier to the virtual resource transfer receiver identifier in the historical time period are more than the preset times. At this time, the step "jump displaying the resource distribution intermediate interface when it is judged that the intermediate interface jump condition is satisfied", may include:

acquiring the resource transfer times of resource transfer from the virtual resource issuer identification to the virtual resource receiver identification in the historical time period;

and when the resource transfer times are larger than the preset times, judging that the intermediate interface jump condition is met, and jumping to display the resource distribution intermediate interface.

The resource transfer times are the accumulated resource transfer times for transferring the resource from the virtual resource issuer identification to the virtual resource receiver identification in the historical time period.

For example, in the case of payment or transfer, the total amount of resource transfer may be an accumulated number of payments or transfers (such as two-dimensional codes or bar codes) from the virtual resource issuer identifier to the virtual resource receiver identifier in a historical period of time, i.e., a total number of payments or a total number of transfers.

The preset number of times can also be set according to actual requirements, for example, 10 times, 20 times, and the like.

Taking payment or transfer as an example, the accumulated times of payment or transfer from the payer identification to the payer identification in a historical time period can be obtained; and then, judging whether the accumulated times are greater than the preset times, if so, indicating that the paying party identifier is paid or transferred too frequently, so that potential safety hazards may exist, and at the moment, skipping to display a resource distribution intermediate interface to perform subsequent safe transfer or payment processes.

Referring to fig. 4a and 4b, when the static collection two-dimensional code is successfully scanned and identified, the terminal may acquire the total payment times or the total transfer times, such as 12 times, of the payer to the collector in a historical time period, and jump to display the payment intermediate interface when the total payment times or the total transfer times, such as 12 times, are greater than the preset times, such as 10 times.

(7) The historical resource receiver identification;

the intermediate interface jump condition may include: the historical virtual resource receiver identification set has the same identification as the virtual resource receiver identification, namely the current virtual resource receiver identification is not the receiver identification of the historical transfer resource. At this time, the step "jump displaying the resource distribution intermediate interface when it is judged that the intermediate interface jump condition is satisfied", may include:

acquiring historical virtual resource receiver identification of a virtual resource issuer identification historical transfer resource to obtain a historical identification set;

judging whether the historical identification set has a historical virtual resource receiver identification which is the same as the virtual resource receiver identification;

if not, the condition that the intermediate interface is skipped is judged to be met, and the resource distribution intermediate interface is skipped to be displayed.

The history identification set comprises history virtual resource receiver identifications of at least one virtual resource issuer identification history transfer resource.

Taking payment or transfer as an example, the identifier of a payer for transfer or the identifier of a payee for payment, such as an account number of the payee, in the past period of time can be acquired to obtain a set of identifiers of the payee; and then, judging whether the set has an identifier which is the same as the identifier of the current payee, if not, indicating that the payee identifier is not paid or transferred for a period of time in the past, so that potential safety hazards exist, and at the moment, skipping to display a resource distribution intermediate interface to perform subsequent safe transfer or payment flow.

Referring to fig. 4a and 4b, when the static collection two-dimensional code is successfully scanned and identified, the terminal may obtain a historical payee identifier of the historical payment or the historical transfer of the payer, obtain an identifier set, and jump to display the payment intermediate interface when it is determined that the identifier set does not have an identifier identical to the identifier of the current payee.

(8) The relationship between the identifiers;

the intermediate interface jump condition may include: the social relationship between the virtual resource issuer identification and the virtual resource receiver identification is a preset social relationship. At this time, the step "jump displaying the resource distribution intermediate interface when it is judged that the intermediate interface jump condition is satisfied", may include:

obtaining a social relationship between the virtual resource issuer identification and the virtual resource receiver identification;

and when the social relationship is a preset social relationship, judging that the intermediate interface skipping condition is met, and skipping to display the resource distribution intermediate interface.

Wherein, the social relationship is as follows: the association relationship between users in the social network may include: strange relationships, co-workers relationships, friends relationships, classmates relationships, parent-child relationships, and the like.

The preset social relationship may be set according to actual requirements, for example, some social relationships with resource transfer risks, for example, strange relationships and the like may be used

Taking payment or transfer as an example, the social relationship between the payer identification and the payee identification in the social network can be obtained; and then, judging whether the social relationship is a specific social relationship such as a strange relationship, if so, indicating that the payer and the payee are not familiar and are strangers, so that potential safety hazards exist, and at the moment, skipping to display a resource distribution intermediate interface to perform subsequent safety transfer or payment processes.

Referring to fig. 4a and 4b, when the static collection two-dimensional code is successfully scanned and identified, the terminal obtains a social relationship between the payer identifier and the collector identifier in the social network, then judges whether the social relationship is a specific social relationship such as a strange relationship, and skips to display a payment intermediate interface.

(9) Historical maximum resource transfer amount;

the intermediate interface jump condition may include: the resource transfer quantity which needs to be transferred currently is larger than the corresponding historical maximum resource transfer quantity in the historical time period. At this time, the step "jump displaying the resource distribution intermediate interface when it is judged that the intermediate interface jump condition is satisfied", may include:

acquiring historical maximum resource transfer quantity and current resource transfer quantity corresponding to the virtual resource issuing identification in a historical time period;

judging whether the current resource transfer quantity is larger than the historical maximum resource transfer quantity;

if so, judging that the intermediate interface skipping condition is met, and skipping to display the resource distribution intermediate interface.

Wherein, the current resource transfer quantity is: the amount of resources currently needing to be transferred, such as the amount currently needing to be paid or transferred.

The historical maximum resource transfer quantity can be the maximum resource quantity transferred by the virtual resource issuer identification in the historical time period, and can be obtained by comparing the resource quantity transferred by the virtual resource issuer identification in the historical time period; for example, the maximum amount of payment or transfer may be compared to the amount of the payer identified payment or transfer over the historical time period.

Taking payment or transfer as an example, the maximum payment or transfer amount of the payer identification in the historical time period can be obtained; and then, judging whether the current payment or transfer amount is larger than the maximum payment or transfer amount, if so, indicating that the current payment or transfer amount exceeds all past payment or transfer amounts, so that potential safety hazards may exist, and at the moment, skipping to display a resource distribution intermediate interface to perform subsequent safe transfer or payment processes.

Referring to fig. 4a and 4b, when the static collection two-dimensional code is successfully scanned and identified, the terminal may obtain the maximum total payment amount, for example, 500, of the payer in the historical time period, may determine that the current payment amount 600 is greater than the maximum total payment amount 500, and at this time, jump to display the payment intermediate interface.

(10) The identification times of the static resource receiving codes;

the intermediate interface skip condition may include that the number of times of identification of the resource receiving code is greater than a preset time. At this time, the step "jump displaying the resource distribution intermediate interface when it is judged that the intermediate interface jump condition is satisfied", may include:

acquiring the current identification times of the resource receiving codes;

and when the identification times are more than the preset times, judging that the intermediate interface skipping condition is met, and skipping to display the resource distribution intermediate interface.

The identification number may be a total number of identification of the resource receiving code currently, for example, the total number of identification of the static resource receiving code in the historical time period.

For example, in the case of payment or transfer, the total amount of resource transfer may be the total number of times the current static checkout code (e.g., two-dimensional code or bar code) a is identified in the historical time period.

The preset number of times may also be set according to actual requirements, for example, 10 times, 20 times, and the like.

Taking payment or transfer as an example, the total number of times of the current static collection codes of the payer identification can be acquired; and then, judging whether the total identification times are greater than the preset times, if so, indicating that the static collection code is identified too frequently and potential safety hazards may exist, and at the moment, skipping to display a resource distribution intermediate interface to perform subsequent safe transfer or payment process.

Referring to fig. 4a and 4b, when the static two-dimensional code for collection is scanned and identified successfully, the terminal may obtain the total number of identification times paid for the static two-dimensional code for collection, for example, 10 times, and may determine that the current total number of identification times 10 times is greater than the preset number of times 8 times, and at this time, skip to display the payment intermediate interface.

(11) User information;

the intermediate interface jump condition may include that the identified first user information is different from the second user information acquired from the server. At this time, the virtual resource receiver information further includes: the virtual resource receiver identifies corresponding first user information; the step of skipping to display the resource and issue the intermediate interface when the intermediate interface skipping condition is judged to be satisfied may include:

acquiring second user information corresponding to the virtual resource receiver identification from a server;

comparing the first user information with the second user information;

and when the first user information is different from the second user information, judging that the intermediate interface skipping condition is met, and skipping to display the resource distribution intermediate interface.

That is, in order to improve the security of virtual resource transfer, the user information corresponding to the virtual resource receiver identifier obtained by identification may be verified before the resource issuing intermediate interface is displayed for the subsequent resource transfer process, and the resource issuing intermediate interface is displayed for the subsequent resource transfer process when the verification is passed.

The user information corresponding to the virtual resource receiver identifier may include at least one of nickname information, avatar information, real name information, and the like corresponding to the virtual resource receiver identifier.

The embodiment of the invention can verify the user information carried by the static resource receiving code so as to determine whether to carry out the subsequent resource transfer process, thereby improving the safety of resource transfer. The user information stored at the server side, namely the network side, is the latest user information, so that the reference significance is achieved, the identified user information is verified by adopting the user information at the server side, and the accuracy and the authenticity of user verification can be improved.

Taking payment or transfer as an example, recognizing the two-dimensional code to obtain first user information of a payee identifier, obtaining second user information corresponding to the payee identifier from the server, comparing the first user information with the second user information, and if the first user information is different from the second user information, indicating that the user information of the payee is wrong and potential safety hazards may exist, at the moment, skipping to display a resource distribution intermediate interface to perform subsequent safety transfer or payment process.

Referring to fig. 4a and 4b, when the static collection two-dimensional code is successfully scanned and identified, the terminal may obtain the second user information corresponding to the payee identifier from the server, compare and identify the second user information obtained from the server with the first user information, and if the first user information and the second user information obtained from the server are different, at this time, the payment intermediate interface may be skipped to display.

203. And identifying the current dynamic resource receiving code in the resource issuing intermediate interface based on the detected identification operation aiming at the resource issuing intermediate interface to obtain virtual resource transfer information, wherein the virtual resource transfer information comprises virtual resource receiver identification and resource transfer quantity.

For example, the corresponding code scanning identification instruction may be triggered based on the detected identification operation for the resource issuing intermediate interface, and the code scanning identification may be performed on the dynamic resource receiving code in the resource issuing intermediate interface according to the code scanning identification instruction. For example, the code scanning identification instruction may be followed to locate a graphic code area in the resource issuing intermediate interface, and the code scanning identification may be performed on the dynamic resource receiving code in the located graphic code area.

For example, in an embodiment, when the resource issuance intermediate interface further includes a graphic code area, the identifying operation may include an identifying operation for the graphic code area, such as a click operation, a press operation, a slide operation, and the like. That is, the step "identifying the current dynamic resource receiving code in the resource issuing intermediate interface based on the detected identification operation for the resource issuing intermediate interface" may include:

and identifying the dynamic resource receiving codes in the graphic code area based on the detected identification operation aiming at the graphic code area.

For example, referring to fig. 4a, after the middle payment interface is displayed, the user may perform a click operation in the graphic code area 21, at this time, the terminal detects the click operation, and performs an identification operation on the two-dimensional code 22 for dynamic payment in the graphic code area 21 according to the click operation.

For another example, in an embodiment, when the resource issuance intermediate interface further includes: when the graphic code identifies the interface, the identification operation may include an identification operation for the graphic code identifying interface, such as a click operation, a press operation, a slide operation, and the like. That is, the step "identifying the current dynamic resource receiving code in the resource issuing intermediate interface based on the detected identification operation for the resource issuing intermediate interface" may include:

and identifying the current dynamic resource receiving code in the resource issuing intermediate interface based on the detected identification operation aiming at the graphic code identification interface.

For example, referring to fig. 4a, after the intermediate payment interface is displayed, the intermediate payment interface includes a graphic code recognition interface, that is, an "identify and pay" button, and when the user clicks the "identify and pay" button, the terminal detects the click operation to recognize the dynamic collection two-dimensional code in the intermediate payment interface.

In the embodiment of the invention, the current dynamic resource receiving code in the resource distribution intermediate interface can be identified to obtain the virtual resource transfer information. The virtual resource transfer information comprises virtual resource receiver identification and resource transfer quantity.

Taking payment or transfer as an example, the virtual resource transfer information may include: payee identification (e.g., instant messaging account), payment amount, etc.

In addition, the virtual resource transfer information may further include: necessary related information of the virtual resource transfer (such as order information, time information, etc. of the virtual resource transfer), etc.

In an embodiment, in order to improve the security of resource transfer, a validity period may be set for the dynamic resource receiving code, at this time, the step "identify the current dynamic resource receiving code in the resource issuing intermediate interface based on the detected identification operation for the resource issuing intermediate interface" may include:

when the identification operation aiming at the resource distribution intermediate interface is detected, the validity period corresponding to the dynamic resource receiving code is obtained;

and when the validity period does not reach, identifying the current dynamic resource receiving code in the resource distribution intermediate interface.

For example, referring to fig. 4a, after the intermediate payment interface is displayed, the intermediate payment interface includes a graphic code identification interface, that is, an "identify and pay" button, when the user clicks the "identify and pay" button, at this time, the terminal detects the click operation, obtains the valid period corresponding to the dynamic collection two-dimensional code, and when the valid period does not reach, identifies the dynamic collection two-dimensional code in the intermediate payment interface.

In one embodiment, when the validity period of the dynamic resource receiving code is reached, an expiration reminder may be performed, for example, an expiration reminder interface may be displayed to remind the dynamic resource receiving code of expiration.

The embodiment of the invention can set a certain time efficiency for the dynamic resource receiving code, is effective in a certain period, can avoid resource loss gap and improves the safety of resource transfer.

204. And triggering the virtual resource from the virtual resource issuer identification to the virtual resource receiver identification according to the virtual resource transfer information to transfer the resource.

For example, a virtual resource transfer request may be generated according to the virtual resource transfer information, where the virtual resource transfer request may carry information such as a virtual resource receiver identifier, a virtual resource issuer identifier, and a resource transfer amount; and then, the virtual resource transfer request is sent to a server, so that the server, such as a virtual resource server, can transfer the resource to the virtual resource receiver identifier according to the virtual resource transfer request virtual resource issuer identifier.

In an embodiment, when the resource transfer is successful, a resource transfer result interface may be displayed, and the resource transfer result interface may include user information (e.g., nickname, real name information) of the virtual resource recipient, the number of resource transfers, resource transfer result information (e.g., resource transfer success indication information, resource transfer failure indication information, etc.), resource transfer remark information, and the like.

In an embodiment, after the dynamic resource receiving code is identified to obtain the virtual resource transfer information, the resource transfer from the virtual resource issuer identifier to the virtual resource receiver identifier may be triggered directly according to the virtual resource transfer information to perform resource transfer. For example, the virtual resource transfer request is sent to the server, interfaces such as a resource issuing interface and a resource issuing intermediate interface do not need to be displayed, and a user does not need to execute any operation, so that the resource transfer process is simplified, and the resource transfer efficiency and speed are improved.

For example, referring to fig. 4a, after the intermediate payment interface is displayed, when the user clicks an "identify and pay" button or clicks a graphic code area, the terminal identifies the dynamic collection two-dimensional code in the intermediate payment interface to obtain payment information, where the payment information may include information such as a payee identifier (e.g., a payee account number) and a payment amount; then, the terminal directly triggers the transfer of the corresponding amount from the payer identification (such as the payer account) to the payee identification according to the payment information. And when the transfer is successful, namely the payment is successful, displaying a payment result interface to inform that the payment is successful. The payment result interface may include information such as payment success indication information, payee information, payment amount, and payment remarks.

In an embodiment, in order to improve the security of virtual resource transfer, after the dynamic resource receiving code is identified to obtain the virtual resource transfer information, a resource transfer confirmation interface may be further displayed, so that a user can confirm whether to perform resource transfer. That is, the step of triggering resource transfer from the virtual resource issuer identifier to the virtual resource receiver identifier according to the virtual resource transfer information may include:

displaying a resource transfer confirmation interface according to the virtual resource transfer information;

and triggering resource transfer from the virtual resource issuer identification to the virtual resource receiver identification based on the detection of the resource transfer confirmation operation aiming at the resource transfer confirmation interface.

When a resource transfer confirmation operation aiming at a resource transfer confirmation interface is detected, a virtual resource transfer request can be generated according to virtual resource transfer information, wherein the virtual resource transfer request can carry information such as virtual resource receiver identification, virtual resource issuer identification, resource transfer quantity and the like; and then, the virtual resource transfer request is sent to a server, so that the server, such as a virtual resource server, can transfer the resource to the virtual resource receiver identifier according to the virtual resource transfer request virtual resource issuer identifier.

In addition, in order to further improve the security of resource transfer, security confirmation information may be further displayed on the resource transfer confirmation interface, where the security confirmation information may include: and at least one of user information (such as a nickname) corresponding to the virtual resource receiver identifier, real name information, resource transfer quantity, other resource identification information (such as bound bank account information) bound by the virtual resource issuer identifier, and the like.

The user can judge whether the resource transfer is safe or not based on the safety confirmation information, if so, corresponding resource transfer confirmation operation is carried out aiming at the resource transfer confirmation interface, the virtual resource transfer is triggered, and the safety of the virtual resource transfer is further improved.

For example, taking the secret payment or the transfer as an example, referring to fig. 4b, when the terminal successfully scans and identifies the static two-dimensional code for collection, it is determined whether the intermediate interface skip condition is met, and if the intermediate interface skip condition is met, the terminal can skip to display the intermediate payment interface, that is, the resource distribution intermediate interface.

After the intermediate payment interface is displayed, a user can click an identification and payment button or click a graphic code area, and the terminal identifies the dynamic collection two-dimensional code in the intermediate payment interface to obtain payment information; the terminal may then display a payment confirmation interface including: a "confirm payment" button (i.e., a resource transfer confirmation interface), user information of the payee (avatar, nickname, etc.), real name information, payment amount information, bound bank account information, etc.

When the user clicks the "confirm payment" button, the terminal detects the click operation for the "confirm payment" button, and at this time, the transfer or payment of the corresponding amount from the payer identifier (such as the payer account) to the payee identifier may be triggered according to the click operation. And when the transfer is successful, namely the payment is successful, displaying a payment result interface to inform that the payment is successful. The payment result interface may include information such as payment success indication information, payee information (head portrait, nickname, real name information, etc.), payment amount, and payment remarks.

In an embodiment, in order to improve the security of the virtual resource, after the dynamic resource receiving code is identified, the authentication information of resource transfer may be further obtained, and then, the resource transfer from the virtual resource issuer identifier to the virtual resource receiver identifier is triggered according to the virtual resource transfer information and the authentication information.

The authentication information may include password information, and biometric information (such as fingerprint, face, iris, etc.).

The resource transfer authentication information may be obtained in various ways, for example, according to a displayed resource transfer confirmation interface; and acquiring authentication information of the resource transfer based on the detected authentication information input operation aiming at the resource transfer confirmation interface, and triggering the virtual resource issuing party identifier to perform resource transfer to the virtual resource receiving party identifier according to the virtual resource transfer information and the authentication information when the authentication information input is detected to be completed. The resource transfer confirmation operation may include an authentication information input operation.

For example, in one embodiment, an authentication input interface may be provided in the resource transfer confirmation interface, and the interface may be represented in various forms, for example, an input box, a button, an icon, and the like. At this time, the terminal may acquire authentication information of the resource transfer based on detecting an authentication input operation for the authentication input interface.

For example, taking ordinary payment or account transfer (i.e. non-password-free payment) as an example, referring to fig. 4c, when the terminal successfully scans and identifies the static two-dimensional code for collection, it is determined whether the intermediate interface skip condition is met, and if the intermediate interface skip condition is met, the terminal can skip to display the intermediate payment interface, i.e. the resource distribution intermediate interface.

After the intermediate payment interface is displayed, a user can click an identification and payment button or click a graphic code area, and the terminal identifies the dynamic collection two-dimensional code in the intermediate payment interface to obtain payment information; the terminal may then display a payment confirmation interface including: a password input box (i.e., an authentication input interface), a "confirm payment" button (i.e., a resource transfer confirmation interface), user information of the payee (head portrait, nickname, etc.), real name information, payment amount information, bound bank card account information, and the like.

The user can input the payment password in the password input box, when the user inputs the password, namely the terminal detects that the password is input, at the moment, the corresponding amount of money can be transferred or paid from the payer identification (such as a payer account) to the payee identification according to the payment information and the payment password information input by the user. And when the transfer is successful, namely the payment is successful, displaying a payment result interface to inform that the payment is successful. The payment result interface may include information such as payment success indication information, payee information (head portrait, nickname, real name information, etc.), payment amount, and payment remarks.

As can be seen from the above, the embodiment of the present invention can identify the resource receiving code provided by the virtual resource receiving party to obtain the virtual resource receiving party information, where the virtual resource receiving party information includes the virtual resource receiving party identifier and the resource transfer amount; when the condition that the intermediate interface skipping is met is judged, skipping to display a resource distribution intermediate interface, wherein the resource distribution intermediate interface comprises a dynamic resource receiving code corresponding to the virtual resource receiver identification; identifying the current dynamic resource receiving code in the resource issuing intermediate interface based on the detected identification operation aiming at the resource issuing intermediate interface to obtain virtual resource transfer information, wherein the virtual resource transfer information comprises virtual resource receiver identification and resource transfer quantity; and triggering the virtual resource from the virtual resource issuer identification to the virtual resource receiver identification according to the virtual resource transfer information to transfer the resource. According to the scheme, the static resource receiving codes can be converted into the dynamic resource receiving codes, virtual resource transfer is achieved based on the dynamic resource receiving codes, and the safety of virtual resource transfer is improved.

The method described in the above embodiments is further illustrated in detail by way of example.

In an embodiment, the virtual resource transfer apparatus is integrated in a terminal to receive the resource transfer method of the present invention.

As shown in fig. 5a, a virtual resource transfer method includes the following specific processes:

501. the terminal identifies the resource receiving code provided by the virtual resource receiving party to obtain the virtual resource receiving party information, wherein the virtual resource receiving party information comprises the virtual resource receiving party identification and the resource transfer quantity.

502. The terminal judges whether the intermediate interface jump condition is met, if yes, step 503 is executed, and if not, step 506 is executed.

For example, referring to fig. 5b and 5c, after the terminal identifies the static two-dimensional cash register code, it may be determined whether a middle interface skip condition is satisfied.

The intermediate interface jump condition may be set according to an actual requirement, for example, may be set based on security of resource transfer.

Specifically, the intermediate interface jump condition may refer to the description of the above embodiment, and is not described herein again.

503. And the terminal skips and displays a resource distribution intermediate interface, wherein the resource distribution intermediate interface comprises a dynamic resource receiving code corresponding to the virtual resource receiving party identifier.

Wherein, the dynamic resource receiving code can be used for receiving the dynamic code of the virtual resource. The dynamic code can be a graphic code (such as a two-dimensional code, a bar code and the like) which is updated at regular intervals and has shorter time efficiency. For example, dynamic two-dimensional codes, static barcodes, etc. may be used.

In order to improve the safety of virtual resource transfer, safety confirmation information corresponding to the virtual resource receiver identification can be additionally displayed on the resource distribution intermediate interface. At this time, the resource issuance intermediate interface further includes: and safety confirmation information.

The resource issuance intermediate interface further includes: a graphic code identification interface; the user can trigger dynamic code identification through the graphic code identification interface. The graphic code recognition interface can be represented in various forms, such as buttons, icons, input boxes and the like.

For example, referring to fig. 5b and 5c, the intermediary payment interface further includes a graphic code recognition interface, i.e., a "recognize and pay" button, which when clicked by the user triggers recognition of the dynamic checkout two-dimensional code.

For example, referring to fig. 5b and 5c, when the user can input a payment amount, such as 600 yuan, in the payment amount input box, and then click the "pay" button, and the terminal detects the click operation of the "pay" button, it can be determined whether the intermediate interface jump condition is satisfied, and if so, the intermediate payment interface, that is, the resource issuing intermediate interface, is jumped to display. The middle payment interface comprises a dynamic collection two-dimensional code, a collection side head portrait (located in the middle of the dynamic collection two-dimensional code), real name information and a nickname of a collection side (located below the two-dimensional code), payment amount (located above the two-dimensional code), an identification and payment button, namely a graphic code identification interface and the like. In practical application, the display position of each piece of information on the intermediate payment interface can be set according to actual requirements, and is not limited to the display position described in the embodiment of the invention.

504. The terminal identifies the current dynamic resource receiving code in the resource distribution intermediate interface based on the detected identification operation aiming at the resource distribution intermediate interface to obtain virtual resource transfer information, wherein the virtual resource transfer information comprises virtual resource receiver identification and resource transfer quantity.

For example, in an embodiment, when the resource issuance intermediate interface further includes a graphic code area, the identifying operation may include an identifying operation for the graphic code area, such as a click operation, a press operation, a slide operation, and the like.

For example, referring to fig. 5b and 5c, after the intermediate payment interface is displayed, the user may perform a click operation in the graphic code region, at which point the terminal detects the click operation and performs an identification operation on the two-dimensional dynamic payment code in the graphic code region according to the click operation.

For another example, in an embodiment, when the resource issuance intermediate interface further includes: when the graphic code identifies the interface, the identification operation may include an identification operation for the graphic code identifying interface, such as a click operation, a press operation, a slide operation, and the like.

For example, referring to fig. 5b and 5c, after the intermediate payment interface is displayed, the intermediate payment interface includes a graphic code recognition interface, that is, an "identify and pay" button, and when the user clicks the "identify and pay" button, the terminal detects the click operation to recognize the dynamic collection two-dimensional code in the intermediate payment interface.

The virtual resource transfer information comprises virtual resource receiver identification and resource transfer quantity.

In an embodiment, in order to improve the security of resource transfer, a validity period may be set for the dynamic resource receiving code, and at this time, when the terminal detects an identification operation for the resource issuing intermediate interface, the terminal may obtain the validity period corresponding to the dynamic resource receiving code; and when the validity period does not reach, identifying the current dynamic resource receiving code in the resource distribution intermediate interface.

505. And the terminal triggers resource transfer from the virtual resource distributor identification to the virtual resource receiver identification according to the virtual resource transfer information.

For example, the terminal may generate a virtual resource transfer request according to the virtual resource transfer information, where the virtual resource transfer request may carry information such as a virtual resource receiver identifier, a virtual resource issuer identifier, and a resource transfer amount; and then, the virtual resource transfer request is sent to a server, so that the server, such as a virtual resource server, can transfer the resource to the virtual resource receiver identifier according to the virtual resource transfer request virtual resource issuer identifier.

In an embodiment, after the resource transfer, a resource transfer result interface may be displayed, and the resource transfer result interface may include user information (e.g., nickname, real name information) of the virtual resource recipient, the number of resource transfers, resource transfer result information (e.g., resource transfer success indication information, resource transfer failure indication information, etc.), resource transfer remark information, and the like, referring to fig. 5b and 5 c.

In an embodiment, after the dynamic resource receiving code is identified to obtain the virtual resource transfer information, the resource transfer from the virtual resource issuer identifier to the virtual resource receiver identifier may be triggered directly according to the virtual resource transfer information to perform resource transfer. For example, a virtual resource transfer request is sent to a server without any operation performed by a user.

For example, referring to fig. 5b, after the intermediate payment interface is displayed, when the user clicks an "identify and pay" button or clicks a graphic code area, the terminal identifies the dynamic collection two-dimensional code in the intermediate payment interface to obtain payment information, where the payment information may include information such as a payee identifier (e.g., a payee account number) and a payment amount; then, the terminal directly triggers the transfer of the corresponding amount from the payer identification (such as the payer account) to the payee identification according to the payment information. And when the transfer is successful, namely the payment is successful, displaying a payment result interface to inform that the payment is successful. The payment result interface may include information such as payment success indication information, payee information, payment amount, and payment remarks.

In an embodiment, in order to improve the security of virtual resource transfer, after the dynamic resource receiving code is identified to obtain the virtual resource transfer information, a resource transfer confirmation interface may be further displayed, so that a user can confirm whether to perform resource transfer. For example, a resource transfer confirmation interface is displayed according to the virtual resource transfer information; and triggering resource transfer from the virtual resource issuer identification to the virtual resource receiver identification based on the detection of the resource transfer confirmation operation aiming at the resource transfer confirmation interface.

For example, taking payment or account transfer as an example, referring to fig. 5c, when the terminal successfully scans and identifies the static two-dimensional code for collection, it is determined whether the intermediate interface skip condition is met, and if the intermediate interface skip condition is met, the terminal may skip to display an intermediate payment interface, that is, a resource distribution intermediate interface.

The resource transfer authentication information may be obtained in various ways, for example, according to a displayed resource transfer confirmation interface; and acquiring authentication information of the resource transfer based on the detected authentication information input operation aiming at the resource transfer confirmation interface, and triggering the virtual resource from the virtual resource issuer identification to the virtual resource receiver identification according to the virtual resource transfer information and the authentication information when the resource transfer confirmation operation aiming at the resource transfer confirmation interface is detected.

For example, in one embodiment, an authentication input interface may be provided in the resource transfer confirmation interface, and the interface may be represented in various forms, for example, an input box, a button, an icon, and the like. At this time, the terminal may obtain the authentication information of the resource transfer based on monitoring the authentication input operation for the authentication input interface.

For example, taking ordinary payment or account transfer (i.e. non-password-free payment) as an example, referring to fig. 5d, when the terminal successfully scans and identifies the static two-dimensional code for collection, it is determined whether the intermediate interface skip condition is met, and if the intermediate interface skip condition is met, the terminal can skip to display the intermediate payment interface, that is, the resource distribution intermediate interface.

The user can input the payment password in the password input box, and when the terminal detects that the password input is finished, corresponding amount of money can be transferred or paid from the payer identification (such as a payer account) to the payee identification according to the payment information and the payment password information input by the user. And when the transfer is successful, namely the payment is successful, displaying a payment result interface to inform that the payment is successful. The payment result interface may include information such as payment success indication information, payee information (head portrait, nickname, real name information, etc.), payment amount, and payment remarks.

506. And the terminal triggers resource transfer from the virtual resource distributor identification to the virtual resource receiver identification according to the virtual resource transfer information.

For example, when it is determined that the intermediate interface skip condition is not satisfied, the terminal may directly trigger resource transfer from the virtual resource issuer identifier to the virtual resource receiver identifier according to the virtual resource transfer information. Interfaces such as a resource issuing interface, a resource issuing intermediate interface and the like do not need to be displayed, the resource transfer process is simplified, and the resource transfer efficiency and speed are improved.

For example, the terminal may directly generate a virtual resource transfer request according to the virtual resource transfer information, where the virtual resource transfer request may carry information such as a virtual resource receiver identifier, a virtual resource issuer identifier, and a resource transfer amount; and then, the virtual resource transfer request is sent to a server, so that the server, such as a virtual resource server, can transfer the resource to the virtual resource receiver identifier according to the virtual resource transfer request virtual resource issuer identifier.

In an embodiment, in the case that the intermediate interface jump condition is not satisfied, after the resource transfer, a resource transfer result interface may be displayed, where the resource transfer result interface may include user information (e.g., a nickname and real name information) of the virtual resource receiver, a resource transfer number, resource transfer result information (e.g., resource transfer success indication information, resource transfer failure indication information, and the like), resource transfer remark information, and the like, referring to fig. 5b and 5 c.

For example, referring to fig. 5b, 5c, and 5d, after the code scanning display payment interface, the terminal determines whether the intermediate interface skip condition is satisfied, and if not, directly performs payment or transfer according to the payee information obtained by the code scanning, and displays a payment or transfer result interface. For example, when the transfer is successful, i.e., the payment is successful, a payment result interface is displayed, informing that the payment is successful. The payment result interface may include information such as payment success indication information, payee information, payment amount, and payment remarks.

In an embodiment, in order to improve the security of virtual resource transfer, when the terminal determines that the intermediate interface skip condition is not satisfied, a resource transfer confirmation interface may be displayed, so that a user confirms whether to perform resource transfer.

For example, when it is determined that the intermediate interface skip condition is not satisfied, the terminal may display a resource transfer confirmation interface, and trigger resource transfer from the virtual resource issuer identifier to the virtual resource receiver identifier based on detection of a resource transfer confirmation operation for the resource transfer confirmation interface.

For example, taking payment or transfer as an example, referring to fig. 5e and 5f, when the terminal successfully scans and identifies the static two-dimensional code for collection, it is determined whether the intermediate interface skip condition is met, and if so, the terminal determines whether the intermediate interface skip condition is met.

And when the intermediate interface jump condition is judged to be met, displaying the intermediate payment interface to perform the subsequent payment process, referring to the related description of fig. 5b and fig. 5 c.

When the condition that the intermediate interface skipping condition is not met is judged, the terminal displays a payment confirmation interface, and the payment confirmation interface comprises: a "confirm payment" button (i.e., a resource transfer confirmation interface), user information of the payee (avatar, nickname, etc.), real name information, payment amount information, bound bank account information, etc.

In an embodiment, when it is determined that the intermediate interface skip condition is not satisfied, in order to improve the security of the virtual resource, an authentication input interface may be further set in the resource transfer confirmation interface, and the interface may be represented in various forms, for example, an input box, a button, an icon, and the like. At this time, the terminal may obtain the authentication information of the resource transfer based on detecting the authentication input operation for the authentication input interface; and then, when the resource transfer confirmation operation aiming at the resource transfer confirmation interface is detected, triggering the virtual resource receiver information and the authentication information obtained by the static code recognition to transfer the resource from the virtual resource issuer identification to the virtual resource receiver identification.

For example, taking payment or transfer (i.e. non-password-free payment) as an example, referring to fig. 5g, when the terminal successfully scans and identifies the static two-dimensional code for collection, the terminal determines whether the intermediate interface skip condition is satisfied.

And when the intermediate interface skip condition is judged to be met, displaying the intermediate payment interface to perform a subsequent payment process, referring to the related description of fig. 5 d.

When the condition that the intermediate interface skipping condition is not met is judged, the terminal displays a payment confirmation interface, and the payment confirmation interface comprises: a password input box (i.e., an authentication input interface), a "confirm payment" button (i.e., a resource transfer confirmation interface), user information of the payee (head portrait, nickname, etc.), real name information, payment amount information, bound bank card account information, and the like.

The user can input the payment password in the password input box, and when the terminal detects that the password is input, the terminal can transfer or pay corresponding amount from the payer identification (such as a payer account) to the payee identification according to the payment information and the payment password information input by the user. And when the transfer is successful, namely the payment is successful, displaying a payment result interface to inform that the payment is successful. The payment result interface may include information such as payment success indication information, payee information (head portrait, nickname, real name information, etc.), payment amount, and payment remarks.

As can be seen from the above, the virtual resource transfer scheme provided in the embodiment of the present invention can convert the static resource receiving code into the dynamic resource receiving code, and implement virtual resource transfer based on the dynamic resource receiving code, thereby improving the security of virtual resource transfer. In addition, due to the fact that the intermediate interface jump condition is added, safety and efficiency of virtual resources can be considered, and user experience is greatly improved.

In order to better implement the above method, an embodiment of the present invention further provides a virtual resource transfer apparatus, which may be integrated in a terminal, as shown in fig. 6a, and the virtual resource transfer apparatus may include: the first recognition unit 601, the skip display unit 602, the second recognition unit 603, and the resource transfer trigger unit 604 are as follows:

a first identifying unit 601, configured to identify a resource receiving code provided by a virtual resource receiving party, to obtain virtual resource receiving party information, where the virtual resource receiving party information includes a virtual resource receiving party identifier and a resource transfer number;

a skip display unit 602, configured to skip display a resource distribution intermediate interface when it is determined that the intermediate interface skip condition is met, where the resource distribution intermediate interface includes a dynamic resource receiving code corresponding to a virtual resource receiving party identifier;

a second identifying unit 603, configured to identify, based on the detected identification operation for the resource distribution intermediate interface, a current dynamic resource receiving code in the resource distribution intermediate interface to obtain the virtual resource transfer information, where the virtual resource transfer information includes the virtual resource receiving party identifier and the resource transfer number;

a resource transfer triggering unit 604, configured to trigger resource transfer from the virtual resource issuer identifier to the virtual resource receiver identifier according to the virtual resource transfer information.

In an embodiment, the resource transfer triggering unit 604 may also be used for judging. When the intermediate interface skip condition is not met, the resource transfer is directly carried out from the virtual resource distributor identification to the virtual resource receiver identification according to the virtual resource receiver information trigger

In an embodiment, the jump display unit 602 may be specifically configured to:

acquiring the total resource transfer amount of the virtual resource issuer identification based on the current resource receiving code transfer resource in a historical time period;

In an embodiment, the jump display unit 602 may be specifically configured to:

acquiring the current identification times of the resource receiving codes;

In one embodiment, the virtual resource receiver information further includes: the virtual resource receiver identifies corresponding first user information; the skip display unit 602 may be specifically configured to:

comparing the first user information with the second user information;

In an embodiment, referring to fig. 6b, the virtual resource transfer apparatus further includes an updating unit 606;

the updating unit 606 is configured to:

when detecting that the update period of the dynamic resource receiving code arrives, acquiring a new dynamic resource receiving code corresponding to the virtual resource receiving party identifier from a server;

and updating the dynamic resource receiving codes in the resource issuing intermediate interface according to the new dynamic resource receiving codes.

In an embodiment, the second identifying unit 603 is configured to:

and when the validity period does not reach, identifying the current dynamic resource receiving code in the resource issuing intermediate interface.

In an embodiment, referring to fig. 6c, the virtual resource transfer apparatus may further include: an information display unit 607;

the information display unit 607 is configured to:

In an embodiment, referring to fig. 6d, the resource transfer triggering unit 604 may include:

a confirmation interface display subunit 6041 configured to display a resource transfer confirmation interface according to the virtual resource transfer information;

a transfer triggering sub-unit 6042, configured to trigger resource transfer from the virtual resource issuer identifier to the virtual resource receiver identifier based on detection of a resource transfer confirmation operation for the resource transfer confirmation interface.

In an embodiment, the resource issuing intermediate interface further includes a graphic code region, and the dynamic resource receiving code is located in the graphic code region;

the second identifying unit 603 is configured to: and identifying the dynamic resource receiving codes in the graphic code area based on the detected identification operation aiming at the graphic code area.

In one embodiment, the resource issuance intermediate interface further comprises: a graphic code identification interface;

the second identifying unit 603 is configured to: and identifying the current dynamic resource receiving code in the resource issuing intermediate interface based on the detected identification operation aiming at the graphic code identification interface.

The steps performed by the above units may refer to the description of the above method embodiments.

In a specific implementation, the above units may be implemented as independent entities, or may be combined arbitrarily to be implemented as the same or several entities, and the specific implementation of the above units may refer to the foregoing method embodiments, which are not described herein again.

The virtual resource transfer device can be integrated into a terminal, and the terminal can be a mobile phone, a tablet computer, a wearable device and the like.

As can be seen from the above, the virtual resource transfer device in the embodiment of the present invention identifies the resource receiving code provided by the virtual resource receiving party through the first identification unit 601, so as to obtain the virtual resource receiving party information, where the virtual resource receiving party information includes the virtual resource receiving party identifier and the resource transfer number; when the jump display unit 602 judges that the intermediate interface jump condition is satisfied, a resource distribution intermediate interface is jumped and displayed, wherein the resource distribution intermediate interface comprises a dynamic resource receiving code corresponding to the virtual resource receiver identifier; identifying, by the second identifying unit 603, a current dynamic resource receiving code in the resource issuing intermediate interface based on the detected identification operation for the resource issuing intermediate interface, to obtain the virtual resource transfer information, where the virtual resource transfer information includes the virtual resource receiving party identifier and the resource transfer number; the resource transfer triggering unit 604 triggers resource transfer from the virtual resource issuer identification to the virtual resource receiver identification according to the virtual resource transfer information. According to the scheme, the static resource receiving codes can be converted into the dynamic resource receiving codes, virtual resource transfer is achieved based on the dynamic resource receiving codes, and the safety of virtual resource transfer is improved.

Referring to fig. 7, an embodiment of the present invention provides a terminal 700, which may include one or more processors 701 of a processing core, one or more memories 702 of a computer-readable storage medium, a Radio Frequency (RF) circuit 703, a power supply 704, an input unit 705, and a display unit 706. Those skilled in the art will appreciate that the terminal structure shown in fig. 7 is not intended to be limiting and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components. Wherein:

the processor 701 is a control center of the terminal, connects various parts of the entire terminal using various interfaces and lines, and performs various functions of the terminal and processes data by running or executing software programs and/or modules stored in the memory 702 and calling data stored in the memory 702, thereby performing overall monitoring of the terminal. Optionally, processor 701 may include one or more processing cores; preferably, the processor 701 may integrate an application processor, which mainly handles operating systems, user interfaces, application programs, etc., and a modem processor, which mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 701.

The memory 702 may be used to store software programs and modules, and the processor 701 executes various functional applications and data processing by operating the software programs and modules stored in the memory 702.

The RF circuit 703 may be used for receiving and transmitting signals during the process of transmitting and receiving information, and in particular, for processing the received downlink information of the base station by the one or more processors 701; in addition, data relating to uplink is transmitted to the base station.

The terminal also includes a power supply 704 (e.g., a battery) for powering the various components, which may preferably be logically coupled to the processor 701 via a power management system that may be used to manage charging, discharging, and power consumption. The power supply 704 may also include any component of one or more dc or ac power sources, recharging systems, power failure detection circuitry, power converters or inverters, power status indicators, and the like.

The terminal may further include an input unit 705, and the input unit 705 may be used to receive input numeric or character information and generate a keyboard, mouse, joystick, optical or trackball signal input in relation to user settings and function control.

The terminal may further include a display unit 706, and the display unit 706 may be used to display information input by the user or provided to the user and various graphical user interfaces of the terminal, which may be formed of graphics, text, icons, video, and any combination thereof. The Display unit 708 may include a Display panel, and optionally, the Display panel may be configured in the form of a Liquid Crystal Display (LCD), an Organic Light-emitting diode (OLED), or the like.

Specifically, in this embodiment, the processor 701 in the terminal loads the executable file corresponding to the process of one or more application programs into the memory 702 according to the following instructions, and the processor 701 runs the application program stored in the memory 702, thereby implementing various functions as follows:

The terminal provided by the embodiment of the invention can identify the resource receiving code provided by the virtual resource receiving party to obtain the virtual resource receiving party information, wherein the virtual resource receiving party information comprises the virtual resource receiving party identification and the resource transfer quantity; when the condition that the intermediate interface skipping is met is judged, skipping to display a resource distribution intermediate interface, wherein the resource distribution intermediate interface comprises a dynamic resource receiving code corresponding to the virtual resource receiver identification; identifying the current dynamic resource receiving code in the resource issuing intermediate interface based on the detected identification operation aiming at the resource issuing intermediate interface to obtain virtual resource transfer information, wherein the virtual resource transfer information comprises virtual resource receiver identification and resource transfer quantity; and triggering the virtual resource from the virtual resource issuer identification to the virtual resource receiver identification according to the virtual resource transfer information to transfer the resource. According to the scheme, the static resource receiving codes can be converted into the dynamic resource receiving codes, virtual resource transfer is achieved based on the dynamic resource receiving codes, and the safety of virtual resource transfer is improved.

Those skilled in the art will appreciate that all or part of the steps in the methods of the above embodiments may be implemented by associated hardware instructed by a program, which may be stored in a computer-readable storage medium, and the storage medium may include: read Only Memory (ROM), Random Access Memory (RAM), magnetic or optical disks, and the like.

The foregoing describes in detail a method, an apparatus, a terminal, and a storage medium for virtual resource transfer provided in an embodiment of the present invention, and a specific embodiment is applied in the description to explain the principle and the implementation of the present invention, and the description of the foregoing embodiment is only used to help understanding the method and the core idea of the present invention; meanwhile, for those skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. A virtual resource transfer method, comprising:

when the intermediate interface skipping condition is judged to be met, skipping to display a resource distribution intermediate interface, wherein the intermediate interface skipping condition is set based on the safety of resource transfer, the resource distribution intermediate interface comprises a dynamic resource receiving code corresponding to a virtual resource receiver identifier, and the dynamic resource receiving code is a dynamic code for receiving the virtual resource by the virtual resource receiver identifier;

identifying the current dynamic resource receiving code in the resource issuing intermediate interface based on the detected identification operation aiming at the resource issuing intermediate interface to obtain virtual resource transfer information, wherein the virtual resource transfer information comprises the virtual resource receiver identification and the resource transfer quantity;

2. The virtual resource transfer method of claim 1, further comprising:

and when the intermediate interface skipping condition is judged not to be met, directly triggering the virtual resource sender identifier to perform resource transfer to the virtual resource receiver identifier according to the virtual resource receiver information.

3. The virtual resource transfer method according to claim 1, wherein when it is judged that the intermediate interface jump condition is satisfied, jumping to display the resource issuing intermediate interface includes:

judging whether the current resource transfer quantity is larger than the maximum resource transfer quantity corresponding to a static resource receiving code, wherein the static resource receiving code comprises a static code for receiving the virtual resource, the static code is a graphic code which has longer time effectiveness and can be repeatedly used for many times, and the static resource receiving code comprises a static collection code or a static transfer code in a payment or transfer scene;

4. The virtual resource transfer method according to claim 1, wherein when it is judged that the intermediate interface jump condition is satisfied, jumping to display the resource issuing intermediate interface includes:

5. The virtual resource transfer method according to claim 1, wherein when it is judged that the intermediate interface jump condition is satisfied, jumping to display the resource issuing intermediate interface includes:

6. The virtual resource transfer method according to claim 1, wherein when it is judged that the intermediate interface jump condition is satisfied, jumping to display the resource issuing intermediate interface includes:

7. The virtual resource transfer method according to claim 1, wherein when it is judged that the intermediate interface jump condition is satisfied, jumping to display the resource issuing intermediate interface includes:

8. The virtual resource transfer method according to claim 1, wherein when it is judged that the intermediate interface jump condition is satisfied, jumping to display the resource issuing intermediate interface includes:

9. The virtual resource transfer method according to claim 1, wherein when it is judged that the intermediate interface jump condition is satisfied, jumping to display the resource issuing intermediate interface includes:

10. The virtual resource transfer method according to claim 1, wherein when it is judged that the intermediate interface jump condition is satisfied, jumping to display the resource issuing intermediate interface includes:

11. The virtual resource transfer method according to claim 1, wherein when it is judged that the intermediate interface jump condition is satisfied, jumping to display the resource issuing intermediate interface includes:

12. The virtual resource transfer method according to claim 1, wherein when it is judged that the intermediate interface jump condition is satisfied, jumping to display the resource issuing intermediate interface includes:

acquiring the current identification times of the resource receiving codes;

13. The virtual resource transfer method of claim 1 wherein the virtual resource recipient information further comprises: the virtual resource receiver identifies corresponding first user information;

when the condition that the intermediate interface is jumped is judged to be met, jumping display resources to issue the intermediate interface comprises the following steps:

comparing the first user information with the second user information;

14. The virtual resource transfer method of claim 1, wherein prior to the detected identification operation for the resource issuance intermediate interface, the method further comprises:

acquiring the safety confirmation information corresponding to the virtual resource receiver identification;

15. The virtual resource transfer method of claim 1, wherein the method further comprises:

16. The virtual resource transfer method of claim 1 wherein identifying a current dynamic resource recipient code in the resource issuance intermediate interface based on the detected identification operation for the resource issuance intermediate interface comprises:

17. The virtual resource transfer method of claim 1, wherein triggering the resource transfer from the virtual resource issuer identification to the virtual resource receiver identification according to the virtual resource transfer information comprises:

18. The virtual resource transfer method of claim 1 wherein said resource issuance intermediate interface further comprises a graphic code area, said dynamic resource receiving code being located within said graphic code area;

based on the detected identification operation aiming at the resource issuing intermediate interface, identifying the current dynamic resource receiving code in the resource issuing intermediate interface, wherein the identification operation comprises the following steps:

19. The virtual resource transfer method of claim 1 wherein said resource issuance intermediate interface further comprises: a graphic code identification interface;

20. A virtual resource transfer apparatus, comprising:

the resource transfer device comprises a skip display unit and a resource transfer unit, wherein the skip display unit is used for skipping and displaying a resource distribution intermediate interface when the skip condition of the intermediate interface is judged to be met, the skip condition of the intermediate interface is set based on the safety of resource transfer, the resource distribution intermediate interface comprises a dynamic resource receiving code corresponding to a virtual resource receiver identifier, and the dynamic resource receiving code is a dynamic code used for the virtual resource receiver identifier to receive virtual resources;

a second identification unit, configured to identify, based on the detected identification operation for the resource distribution intermediate interface, a current dynamic resource receiving code in the resource distribution intermediate interface to obtain virtual resource transfer information, where the virtual resource transfer information includes the virtual resource receiver identifier and the resource transfer number;

21. A terminal comprising a memory and a processor, the memory storing instructions, the processor loading the instructions to perform the method of any one of claims 1-19.

22. A storage medium storing instructions which, when executed by a processor, implement a method according to any one of claims 1-19.