CN114723426A

CN114723426A - Resource transfer method, device, computer equipment and storage medium

Info

Publication number: CN114723426A
Application number: CN202110004392.9A
Authority: CN
Inventors: 吕皓
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2021-01-04
Filing date: 2021-01-04
Publication date: 2022-07-08

Abstract

The application relates to a resource transfer method, a resource transfer device, a computer device and a storage medium. The method comprises the following steps: when the resources corresponding to the user account are not matched with the target resources specified by the target resource transfer operation, displaying the candidate account provider; responding to the selection operation of a target account provider in the candidate account providers, and displaying candidate accounts which are associated with the user identity of the user account and belong to the target account provider; responding to the selected operation of a target account in the candidate accounts, and displaying the binding result of the user account and the target account; and displaying a resource transfer result after the target resource transfer operation is completed based on the target account after the binding result represents that the user account is successfully bound with the target account. The method can improve the efficiency of resource transfer.

Description

Resource transfer method, device, computer equipment and storage medium

Technical Field

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

Background

With the rapid development of internet technology, various applications capable of realizing resource transfer are in endless, and more resources are transferred through the internet.

At present, when resource transfer is performed, if resources corresponding to a user account used for resource transfer are not enough to achieve target resource transfer operation, a user needs to manually operate to exit a current resource transfer page and enter an account binding page, a binding operation triggered on the account binding page is responded, a resource account input on the account binding page is obtained, a binding relationship between the user account and the input resource account is established, then the user enters the resource transfer page corresponding to the target resource transfer operation again based on the user operation, and after the resource transfer page determines to use a newly bound resource account and serves as a resource provider of the target resource transfer operation, the target resource transfer operation can be completed based on the newly bound resource account.

However, in the above resource transfer method, on one hand, if the user cannot accurately input the resource account, the binding relationship cannot be established, and thus the target resource transfer operation cannot be completed, and on the other hand, even if the user can accurately input the resource account, the whole resource transfer process still has many steps, and thus the resource transfer efficiency is low.

Disclosure of Invention

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

A method of resource transfer, the method comprising:

when the resources corresponding to the user account are not matched with the target resources specified by the target resource transfer operation, displaying the candidate account provider;

responding to the selection operation of a target account provider in the candidate account providers, and displaying candidate accounts which are associated with the user identity of the user account and belong to the target account provider;

responding to the selected operation of a target account in the candidate accounts, and displaying the binding result of the user account and the target account;

and displaying a resource transfer result after the target resource transfer operation is completed based on the target account after the binding result represents that the user account is successfully bound with the target account.

In one embodiment, the reserved communication signal is a communication signal encrypted by the target account number provider; after receiving a reserved communication signal fed back by the target account provider in response to the account binding request, displaying the reserved communication signal on a second check-up interface, including:

after receiving the reserved communication signal fed back by the target account provider, decrypting the reserved communication signal based on a decryption key to obtain a decrypted reserved communication signal;

and displaying the decrypted reserved communication signal on a second check-up interface.

In one embodiment, the user account is an application account of a parent application; a child application program is operated on the parent application program; the displaying of the candidate account, the selecting operation of the target account and the displaying of the binding result are performed by the sub-application program.

In one embodiment, the method comprises:

when a graphic code for binding the account is scanned, displaying a candidate account provider;

after the binding result represents that the user account and the target account are successfully bound, displaying a resource transfer result after the target resource transfer operation is completed based on the target account, wherein the resource transfer result comprises:

and displaying a resource transfer result after the target resource transfer operation is completed after the binding result represents that the user account and the target account are successfully bound and the target resource transfer operation is performed through the target account.

In one embodiment, when the resource corresponding to the user account does not match the target resource specified by the target resource transfer operation, presenting the candidate account provider includes:

when the resource corresponding to the user account is not matched with the target resource specified by the target resource transfer operation, displaying account binding prompt information;

responding to the triggering operation of the account binding prompt information, and scanning a graphic code for binding the account;

and acquiring and displaying the candidate account providers according to the scanned graphic codes.

An apparatus for resource transfer, the apparatus comprising:

the account provider display module is used for displaying the candidate account providers when the resources corresponding to the user accounts are not matched with the target resources specified by the target resource transfer operation;

the account display module is used for responding to the selection operation of a target account provider in the candidate account providers and displaying the candidate accounts which are associated with the user identity of the user account and belong to the target account provider;

the binding module responds to the selection operation of a target account in the candidate accounts and displays the binding result of the user account and the target account;

and the resource transfer module displays a resource transfer result after the target resource transfer operation is completed based on the target account after the binding result represents that the user account is successfully bound with the target account.

In one embodiment, the account provider presentation module is further configured to: in a position area for displaying the candidate account number provider, displaying resource deduction information corresponding to the candidate account number provider;

the resource transfer module is further configured to: and after the binding result represents that the user account and the target account are successfully bound, finishing the target resource transfer operation based on the target account and the resource deduction information of the target account provider, and displaying a resource transfer result after the target resource transfer operation is finished.

In one embodiment, the resources corresponding to the user account include resources in a resource pool of the user account and resources corresponding to a bound account of the user account;

the account provider display module is further configured to:

when the resources in the resource pool and the resources corresponding to the bound account are not matched with the target resources specified by the target resource transfer operation, the resources in the resource pool and the resources corresponding to the bound account are not matched with the target resources specified by the target resource transfer operation

And displaying the candidate account providers in an account provider page.

In one embodiment, the account provider presentation module is further configured to:

when the resources in the resource pool and the resources corresponding to the bound account are not matched with the target resources specified by the target resource transfer operation, displaying a first verification interface;

acquiring first verification information through the first verification interface;

and displaying the candidate account providers in an account provider page after the first verification information passes the verification of the pre-stored verification information of the user account.

after the first verification information passes the verification of the pre-stored verification information of the user account, displaying an account binding entry page;

responding to an account provider display operation triggered by the account binding entry page, and entering an account provider page;

displaying a candidate account provider on the account provider page.

acquiring a candidate account provider and working state information corresponding to the candidate account provider;

determining candidate account providers in a normal working state based on the working state information in the candidate account providers;

and displaying the candidate account provider in a normal working state on the account provider page.

determining candidate account providers in abnormal working states based on the working state information in the candidate account providers;

carrying out abnormal marking on the candidate account number provider in an abnormal working state;

and displaying the candidate account providers which are subjected to the abnormal marks on the account provider page.

when a target candidate account provider which is newly on-line exists in the candidate account providers, acquiring user gray scale information corresponding to the target candidate account provider;

when the user account is determined to have the display right according to the user gray scale information, displaying the target candidate account provider on the account provider page;

and when the user account does not have the display right according to the user gray scale information, not displaying the target candidate account provider.

acquiring the risk level of the user account;

when the user account is determined to have the authority of displaying the account provider page according to the risk level, displaying a candidate account provider on the account provider page;

and when the user account does not have the authority of displaying the account provider page according to the risk level, displaying risk prompt information.

In one embodiment, the account number presentation module is further configured to:

responding to the selection operation of a target account provider in the candidate account providers, and acquiring user information of a user to which the user account belongs;

generating an account acquisition request according to the user information;

sending the account acquisition request to the target account provider; the account acquisition request is used for indicating the target account provider to acquire a candidate account corresponding to the user information;

receiving the candidate account fed back by the target account provider;

and displaying the candidate account in an account display page.

In one embodiment, the apparatus further comprises an authentication module to:

displaying an identity information acquisition page;

acquiring user identity information in response to information acquisition operation triggered on the identity information acquisition page;

and after the collected user identity information is verified through the pre-stored identity information of the user account, the step of acquiring the user information of the user to which the user account belongs is executed through the account display module.

In one embodiment, the binding module is configured to:

responding to the selected operation of a target account in the candidate accounts, and sending an account binding request to the target account provider;

after receiving a reserved communication signal fed back by the target account provider in response to the account binding request, displaying the reserved communication signal on a second check interface;

and when the second check-up information acquired from the second check-up interface is consistent with the check-up information sent to the reserved communication signal, binding the target account with the user account, and displaying a binding result.

In one embodiment, the reserved communication signal is a communication signal encrypted by the target account number provider; the binding module is further configured to:

In one embodiment, the apparatus further comprises a graphic code scanning module, and the graphic code scanning module is configured to: when a graphic code for binding the account is scanned, displaying a candidate account provider;

the resource transfer module is further configured to: and displaying a resource transfer result after the target resource transfer operation is completed after the binding result represents that the user account and the target account are successfully bound and the target resource transfer operation is performed through the target account.

A computer device comprising a memory and a processor, the memory storing a computer program, the processor implementing the following steps when executing the computer program:

A computer-readable storage medium, on which a computer program is stored which, when executed by a processor, carries out the steps of:

A computer program, the computer program comprising computer instructions stored in a computer readable storage medium, the computer instructions read from the computer readable storage medium by a processor of a computer device, the processor executing the computer instructions to cause the computer device to perform the steps of:

when the resource corresponding to the user account is not matched with the target resource specified by the target resource transfer operation, displaying the candidate account provider;

According to the resource transfer method, the resource transfer device, the computer equipment and the storage medium, when the resource corresponding to the user account is not matched with the target resource specified by the target resource transfer operation, the candidate account provider is directly displayed without exiting the resource transfer process of the target resource transfer operation, responding to the selection operation of a target account provider in the candidate account provider, displaying the candidate accounts which are associated with the user identity of the user account and belong to the target account provider, responding to the selection operation of the target account in the candidate accounts, displaying the binding result of the user account and the target account, therefore, the binding of the user account and the target account can be realized without manually inputting the target account, so that the target resource transfer operation is directly completed based on the bound target account, the corresponding resource transfer result is displayed, and the resource transfer efficiency is improved.

Drawings

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

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

FIG. 3 is a diagram of a resource transfer page in one embodiment;

FIG. 4 is a schematic diagram of an account provider page in one embodiment;

FIG. 5 is a schematic diagram of a first verification interface in one embodiment;

FIG. 6 is a diagram of a check failure prompt page in one embodiment;

FIG. 7 is a diagram of an account binding entry page in an embodiment;

FIG. 8 is a diagram of a sub-target account provider page in one embodiment;

FIG. 9 is a schematic diagram of an account number presentation page in one embodiment;

FIG. 10 is a diagram illustrating a second verification interface in accordance with an illustrative embodiment;

FIG. 11 is a diagram of a binding result in one embodiment;

FIG. 12 is a diagram illustrating a binding result in another embodiment;

FIG. 13 is a diagram of a target resource transfer validation page in one embodiment;

FIG. 14 is a diagram illustrating resource transfer results in another embodiment;

FIG. 15 is a schematic diagram of an account provider page in accordance with another embodiment;

FIG. 16 is a diagram illustrating resource transfer results in another embodiment;

FIG. 17 is a diagram of an account provider page in one embodiment;

FIG. 18 is a schematic diagram of a risk prompt page in one embodiment;

FIG. 19 is a schematic diagram of an embodiment of an identity information collection page;

FIG. 20 is a schematic diagram of an embodiment of a face acquisition page;

FIG. 21 is a schematic diagram of a validate prompt page in one embodiment;

FIG. 22 is a schematic diagram of a verify failure prompt page in one embodiment;

FIG. 23 is a schematic diagram of a verify success prompt page in one embodiment;

FIG. 24 is a schematic diagram of a jump hints page in one embodiment;

FIG. 25 is a diagram illustrating a graphical code scan page in one embodiment;

fig. 26 is a schematic diagram of an account provider page in another embodiment;

FIG. 27 is a diagram of a fault notification page in one embodiment;

FIG. 28 is a diagram illustrating an account binding entry page in accordance with an alternate embodiment;

FIG. 29 is a flowchart illustrating a resource transfer method according to another embodiment;

FIG. 30 is a flowchart illustrating a resource transfer method according to another embodiment;

FIG. 31 is a timing diagram of a resource transfer method in one embodiment;

FIG. 32 is a block diagram showing the structure of a resource transfer apparatus according to an embodiment;

FIG. 33 is a block diagram showing the structure of a resource transfer apparatus according to an embodiment;

FIG. 34 is a diagram showing an internal structure of a computer device in one embodiment;

FIG. 35 is a diagram illustrating an internal structure of a computer device in one embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more clearly understood, the present application is further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.

The resource transfer method provided by the application can be applied to the application environment shown in fig. 1. Wherein, the terminal 102, the server 104, the server 106 and the terminal 108 are communicated with each other through a network. When the resources corresponding to the user account logged in the terminal 102 are not matched with the target resources specified by the target resource transfer operation, the terminal 102 displays the candidate account provider, responds to the selection operation of the target account provider in the candidate account provider, and displays the candidate account which is associated with the user identity of the user account and belongs to the target account provider; responding to the selection operation of a target account in the candidate accounts, and displaying the binding result of the user account and the target account; and after the binding result represents that the user account is successfully bound with the target account, displaying a resource transfer result after the target resource transfer operation is completed based on the target account. The candidate account provider displayed by the terminal 102 may be determined by the terminal 102 through a server (server 104, server 106), the candidate account displayed by the terminal 102 is associated with the user identity to which the user account belongs and belongs to the target account provider, or the candidate account provider displayed by the terminal 102 may be determined by the server (server 104, server 106). The server 104 may be an application server corresponding to a user account logged in the terminal 102, the server 106 may be an account provider server corresponding to a candidate account provider, and the terminal 108 and the terminal 102 may be the same terminal or different terminals.

The terminal 102 and the terminal 108 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, and portable wearable devices, and the server 104 and the server 106 may be implemented by an independent server or a server cluster composed of a plurality of servers, respectively.

The terminal (including the terminal 102 and the terminal 108) may have an applet running thereon, and the so-called applet (Mini Program) is an application that can be used without downloading and installing. In order to provide more diversified business services to users, developers can develop corresponding applets for applications (such as instant messaging applications, shopping applications, mail applications, and the like) of the terminal, the applets can be embedded into the applications of the terminal as sub-applications, and the corresponding business services can be provided for the users by running the sub-applications (i.e., the corresponding applets) in the applications.

The resource transfer method can be applied to a payment scenario, where the bound accounts can be resource accounts of multiple different types, that is, the bound accounts can all correspond to resources, and for example, the bound account can be specifically at least one of a bank account, a consumption coupon/card (e.g., coupon/card) account, and other application accounts capable of making payment (e.g., social account, shopping account, game account).

In an embodiment, as shown in fig. 2, a resource transfer method is provided, which is described by taking the application of the method to the terminal 102 in fig. 1 as an example, and includes the following steps:

s202, when the resource corresponding to the user account is not matched with the target resource specified by the target resource transfer operation, displaying the candidate account provider.

The user account is a login account of an application program currently operated by the terminal, the application program currently operated by the terminal is an application program for resource transfer, and the target resource transfer operation is a resource transfer operation, such as a payment operation in a payment scene, of the application program currently operated by the terminal. The target resource specified by the target resource transfer operation is a resource which needs to be transferred from the resource corresponding to the user account in the target resource transfer operation. The candidate account provider is an account provider capable of supporting account binding, the account provider is a party providing an account, and specifically may be a bank account provider, a consumption coupon/card account provider, and an application account provider, the bank account provider is a bank, the application account provider is an application developer of an application program, the consumption coupon/card account provider may be a provider of a merchant or a current user account, specifically, the essence of the current user account is also an application account, that is, the account provider of the consumption coupon/card account may also be an application developer of an application program operated by the current terminal.

Specifically, an application program capable of resource transfer is run on the terminal, when resource transfer is performed through the application program, a target resource specified in the target resource transfer operation and a resource corresponding to a user account currently logging in the application program are acquired in response to a target resource transfer operation triggered on a resource transfer page, when the resource corresponding to the user account is not matched with the target resource, a candidate account provider is acquired, and the acquired candidate account provider is displayed. The resource corresponding to the user account is not matched with the target resource, specifically, the resource value of the resource corresponding to the user account is smaller than the resource value of the target resource.

The payment scenario is taken as an example for explanation. Fig. 3 shows a schematic diagram of a resource transfer page in an embodiment, in which a target resource 302 specified by a target resource transfer operation, an account 304 to which a user account is bound, and a check information input box 306 are shown, a user can input resource transfer check information in the check information input box 306, after the terminal verifies the resource transfer check information, the terminal directly triggers the target resource transfer operation, obtains resources of the target resource 302 and the bound account 304 in response to the target resource transfer operation, determines whether the resources corresponding to the target resource 302 and the bound account 304 are matched, and when the resources corresponding to the target resource 302 and the bound account 304 are not matched and the bound account 304 is the only bound account of the user account, shows a candidate account provider.

In one embodiment, the resources corresponding to the user account include resources in a resource pool of the user account and resources corresponding to other accounts to which the user account is bound, for example, the user account is a wechat account, resources exist in a wechat wallet corresponding to the wechat account, and a bank card also exists in the bank card; the user account is a QQ account, resources are arranged in a QQ wallet corresponding to the QQ account, a bank card is bound to the QQ account, and the bank can also contain the resources, namely, a WeChat wallet corresponding to the WeChat account is a resource pool of the WeChat account, and the QQ wallet corresponding to the QQ account is a resource pool of the QQ account.

In one embodiment, S202 specifically includes the following steps: and when the resources in the resource pool and the resources corresponding to the bound account are not matched with the target resources specified by the target resource transfer operation, displaying the candidate account provider in an account provider page. And the account provider page is used for displaying the acquired candidate account providers.

Specifically, an application program capable of resource transfer is run on the terminal, when resource transfer is performed through the application program, a target resource input on a resource transfer page is acquired in response to a target resource transfer operation triggered on the resource transfer page, various resources corresponding to a user account which logs in the application program are sequentially acquired according to transfer priority, the acquired resources are compared with the target resources, and when various resources corresponding to the user account are not matched with the target resources, a candidate account provider is displayed in an account provider page.

The transfer priority refers to a comparison sequence between various resources corresponding to the user account and a target resource, for example, if the transfer priority of the resource in the resource pool is higher than that of the resource corresponding to the bound account, the terminal directly acquires the resource in the resource pool of the user account currently logging in the application program after acquiring the target resource, acquires the resource corresponding to the bound account of the user account logging in the application program when the resource in the resource pool is not matched with the target resource, and displays a candidate account provider in an account provider page when the resource corresponding to the bound account is not matched with the target resource. When a plurality of bound accounts of the user account exist, the bound accounts may also have transfer priority, for example, the user account has bound account a and account B, and the transfer priority of account B is higher than that of account a, the resources of account B are compared with the target resources first, and when the resources of account B are not matched with the target resources, the resources of account a are obtained, and the resources of account a are compared with the target resources.

The transfer priority may be determined according to the resource transfer operation in the history period, specifically, the terminal obtains the resource transfer time and the corresponding resource transfer party account corresponding to the resource transfer operation that has been completed in the history period, and determines the transfer priority of various resources corresponding to the user account according to the resource transfer time and the corresponding resource transfer party account, for example, the closer the resource transfer time is to the current time, the higher the transfer priority of the resource of the corresponding resource transfer party account is. The resource transferring account comprises a user account and a bound account of the user account, when the resource transferring account is the user account, the resource transferring account indicates that the resource is transferred from a resource pool of the user account, and when the resource transferring account is the bound account, the resource is transferred from the resource of the bound account.

The payment scenario is taken as an example for explanation. FIG. 4 shows an account provider page diagram in one embodiment. In response to the target resource transfer operation of the resource transfer page in fig. 3, when determining that the resource corresponding to the user account is not matched with the target resource specified by the target resource transfer operation, the terminal acquires a candidate account provider, and displays the acquired candidate account provider in the account provider page in fig. 4.

In the embodiment, when resources in the user account resource pool and resources corresponding to the bound account are not matched with target resources specified by the target resource transfer operation, the terminal directly displays the candidate account provider in the account provider page for the user to select, and the account binding process can be entered without exiting the resource transfer process, so that after account binding is rapidly performed, an unfinished resource transfer process can be directly executed based on the newly bound account, and the efficiency of resource transfer is improved.

In one embodiment, S202 specifically includes the following steps: when the resources in the resource pool and the resources corresponding to the bound account are not matched with the target resources specified by the target resource transfer operation, displaying a first verification interface; acquiring first verification information through a first verification interface; and after the first verification information passes verification through the pre-stored verification information of the user account, displaying the candidate account providers in an account provider page.

The first verification interface is used for acquiring first verification information. The pre-stored check information of the user account is check information preset by the user, the preset check information may be the same as the resource transfer check information or different from the resource transfer check information, and the resource transfer check information is check information that needs to be input by the user when the resource transfer is realized through the user account. For example, in a payment scenario, the resource transfer verification information is a payment password preset by the user. The account provider page may be an account provider applet page or H5 page.

Specifically, when resources in the resource pool and resources corresponding to the bound account are not matched with target resources specified by target resource transfer operation, a first check interface is displayed, a user can input first check information on the first check interface, after the terminal acquires the first check information through the first check interface, the terminal acquires the pre-stored check information of the user account and judges whether the first check information is the same as the pre-stored check information of the user account, if so, the first check information is verified to be passed, and a candidate account provider is displayed in an account provider page; if not, the verification fails, and verification failure prompt information is displayed.

FIG. 5 is a schematic diagram illustrating a first verification interface in one embodiment; in this scenario, pre-stored user account verification information is the same as resource transfer verification information, a first verification interface displays input prompt information 502 and a verification information input box 504, a user can input first verification information in the verification information input box 504 according to the input prompt information 502, the terminal obtains the first verification information input in the verification information input box 504 by the user in response to an input operation, and determines whether the first verification information is the same as the pre-stored verification information of the user account, if so, a candidate account provider is obtained, and the obtained candidate account provider is displayed in an account provider page of fig. 4; if not, the verification failure prompt information 602 is displayed in the verification failure prompt page shown in fig. 6.

In one embodiment, after the terminal verifies the first verification information through the pre-stored verification information of the user account, the terminal displays a candidate account provider in an account provider page, including: after the first verification information passes verification through the pre-stored verification information of the user account, displaying an account binding entry page; responding to an account provider display operation triggered by an account binding entry page, and entering an account provider page; and displaying the candidate account provider on an account provider page.

The payment scenario is taken as an example for explanation. Fig. 7 is a schematic diagram illustrating an account binding entry page in an embodiment, a user may jump to the account binding entry page illustrated in fig. 7 after obtaining first verification information through the first verification interface illustrated in fig. 5 and verifying the first verification information, where an account binding entry 706 is shown in the page, and when the account binding entry 706 is triggered, in response to a triggering operation on the account binding entry 706, the account provider page illustrated in fig. 4 is entered to display candidate account providers. The account binding entry can display icons corresponding to the candidate account providers, and the icons corresponding to the candidate account providers are used for identifying the candidate account providers. An account number input box 704 and a holder identity input box 702 are also displayed in the account number binding entry page, so that the user can manually input an account number to realize a bound account number.

In the embodiment, the terminal acquires the first verification information through the first verification interface, and displays the candidate account providers in the account provider pages after the first verification information is verified, so that when the resource transfer process is switched to the account binding process, the currently operating user is the user to which the user account belongs, the operation of an illegal user is avoided, and the security of resource transfer is improved.

And S204, responding to the selection operation of a target account provider in the candidate account providers, and displaying the candidate accounts which are associated with the user identity of the user account and belong to the target account provider.

The target account providers are selected from the displayed candidate account providers, and the number of the target account providers is at least one. The association with the user identity of the user account means that the association relationship is provided with the user information of the user to which the user account belongs, the user information is information which can uniquely determine the user and comprises a user identifier and a corresponding identifier type, the identifier type comprises at least one of an identity card type, a telephone type, a mailbox type and the like, and correspondingly, the user identifier comprises at least one of an identity card number, a telephone number, a mailbox address and the like.

Specifically, after the terminal displays the candidate account providers, the user can select a target account provider from the displayed candidate account providers, the terminal determines the user identity of the user to which the user account belongs in response to a selection operation of the target account provider, and requests a bindable account from the target account provider based on the determined user identity, wherein the bindable account is associated with the user identity and belongs to the target account provider, the target account provider feeds back the candidate account which is associated with the user identity and belongs to the target account provider to the terminal based on the request sent by the terminal, and the terminal displays the candidate account after receiving the candidate account fed back by the target account provider, and specifically can display the candidate account in an account display page.

In one embodiment, S204 specifically includes the following steps: responding to the selection operation of a target account provider in the candidate account providers, and acquiring user information of a user to which the user account belongs; generating an account acquisition request according to the user information; sending an account acquisition request to a target account provider; the account acquisition request is used for indicating a target account provider to acquire a candidate account corresponding to the user information; receiving candidate accounts fed back by a target account provider; and displaying the candidate account in an account display page.

Specifically, the terminal responds to the selection operation of a target account provider in the candidate account providers, acquires user information from a pre-stored user relationship table, and sends an account acquisition request generated according to the user information to the target account provider, after receiving the account acquisition request, the target account provider extracts the user information from the account acquisition request, searches for an account having an association relationship with the user information according to the user information, then returns the found account to the terminal sending the account acquisition request, and after receiving the account, the terminal determines a candidate account according to the received account and displays the candidate account in an account display page. The user relationship table may be established when the user account is identity-bound, and the user relationship table includes the user account and corresponding user information, for example, when the user account is identity-bound, the user account is bound with at least one of an identity card number, a telephone number, and a mailbox address, where the identity-binding may be performed when the user account is registered.

In one embodiment, after acquiring user information of a user to which a user account belongs, a terminal encrypts the user information, specifically, a private key may be used to encrypt the user information, an account acquisition request is generated according to the encrypted user information, the account acquisition request is sent to a target account provider, the target account provider extracts the encrypted user information from the account acquisition request after receiving the account acquisition request, decrypts the encrypted user information to obtain the user information, specifically, a public key may be used to decrypt the encrypted user information, an account having an association relationship with the user information is searched for according to the user information, then the searched account is returned to the terminal sending the account acquisition request, and the terminal determines a candidate account according to the received account after receiving the account, and displaying the candidate account in an account display page.

In the embodiment, the terminal acquires the user information of the user to which the user account belongs by responding to the selection operation of the target account provider in the candidate account providers, generates the account acquisition request according to the user information, sends the account acquisition request to the target account provider, can acquire the candidate account corresponding to the user information from the target account provider without manually inputting the account by the user, displays the candidate account, and provides a plurality of selectable candidate accounts for the user to perform account binding, so that the account binding efficiency can be improved, and the resource transfer efficiency is improved.

In one embodiment, after receiving an account returned by a target account provider, a terminal acquires a currently bound account of a user account, deletes a target bound account which is the same as the bound account from among the accounts returned by the target account provider, and displays the remaining accounts from the accounts returned by the target account provider as candidate accounts so as to avoid repeatedly binding the same account.

In one embodiment, in response to a selection operation of a target account provider in candidate account providers, user information of a user to which a user account belongs and a target bound account belonging to the target account provider in bound accounts are acquired, an account acquisition request is generated according to the user information and the target bound account, the account acquisition request is sent to the target account provider, the target account provider extracts the user information and the target bound account from the account acquisition request after receiving the account acquisition request, searches accounts having an association relationship with the user information according to the user information, eliminates accounts identical to the target bound account from the searched accounts, returns the remaining accounts to a terminal sending the account acquisition request, and displays the received accounts as candidate accounts in an account display page after receiving the accounts, thereby avoiding the repeated binding of the same account.

In one embodiment, after displaying a candidate account provider, an account display page terminal responds to a selection operation occurring in an account display page, determines a target account provider pointed by the selection operation, acquires a sub-target account provider belonging to the target account provider, displays the acquired sub-target account provider, then responds to the selection operation of any sub-target account provider, and requests a bindable account for the selected sub-target account provider, the target account provider feeds back a candidate account which is associated with a user identity and belongs to the sub-target account provider to the terminal based on the request sent by the terminal, and the terminal displays the candidate account after receiving the candidate account fed back by the target account provider, and specifically can display the candidate account in the account display page. The sub-target account number provider can be displayed in a popup window mode.

The payment scenario is taken as an example for explanation. Fig. 8 is a schematic diagram illustrating a sub-target account provider page in an embodiment, after the account provider page shown in fig. 4 shows candidate account providers, a user may select a target candidate account provider, determine the target candidate account provider in response to a selection operation occurring on the account provider page, and if the target candidate account provider includes the sub-target candidate account provider, show the sub-target candidate account provider of the target candidate account provider, such as the sub-target candidate account provider 802 shown in fig. 8.

In one embodiment, after determining the candidate account, the terminal displays the candidate account according to a preset display mode. The preset display mode can be cipher text display on the designated digit of the candidate account and plaintext display on other digits. The account number shown in fig. 9 shows a candidate account number 902 shown in a page in which designated bits are shown in ciphertext, such as "@" in fig. 9.

And S206, responding to the selection operation of the target account in the candidate accounts, and displaying the binding result of the user account and the target account.

The target account is an account selected from the displayed candidate accounts, that is, an account that the user wants to bind to.

Specifically, after the terminal displays the candidate accounts, the user can select a target account from the displayed candidate accounts, and the terminal responds to the selection operation of the target account, establishes the binding relationship between the user account and the target account, and displays the binding result. The binding relationship between the user account and the target account is established, specifically, an account binding request is generated according to the target account pointed by the selected operation, the account binding request is sent to a target account provider, and the binding relationship between the user account and the target account is established based on the received binding information after the target account provider responds to the binding information returned by the received binding request.

In one embodiment, the binding information at least includes a reserved communication signal, and S206 specifically includes the following steps: responding to the selection operation of a target account in the candidate accounts, and sending an account binding request to a target account provider; after receiving a reserved communication signal fed back by a target account provider in response to the account binding request, displaying the reserved communication signal on a second check interface; and when the second check information acquired from the second check interface is consistent with the check information sent to the reserved communication signal, binding the target account with the user account, and displaying a binding result.

The reserved communication signal is a number which is reserved by a target account provider and can be communicated with a user to which the target account belongs, and comprises at least one of a telephone number, a mailbox and an application account, and when the reserved communication signal is the application account, the application to which the reserved communication signal belongs and the application to which the user account belongs are not the same application. The second check-up interface is also displayed with an information input box in which the user can input the second check-up information.

Specifically, after receiving a reserved communication signal fed back by a target account provider, a terminal displays the reserved communication signal and a verification information sending control on a second verification interface, responds to a triggering operation of the verification information sending control, sends verification information to the reserved communication signal, responds to a binding operation triggered on the second verification interface after sending the verification information, acquires second verification information input by a user in the second verification interface, verifies whether the acquired second verification information is consistent with the verification information sent to the reserved communication signal or not, and if so, establishes a binding relationship between the target account and the user account and displays a binding result representing successful binding; and if the data are inconsistent, displaying a binding result representing the binding failure.

In one embodiment, the target account provider may further return user four-factor information including a reserved communication signal to the terminal, where the user four-factor information includes a name, an identity card number, a target account, and a reserved communication signal, the user terminal further verifies the user identity through the name and the identity card number in the user four-factor information, and the target account user establishes a binding relationship between the user account and the target account after the user identity verification and the second verification information verification pass.

The payment scenario is taken as an example for explanation. Fig. 10 is a schematic diagram of a second verification interface in an embodiment, in which a reserved communication signal 1002, a verification information sending control 1004, a verification information input box 1006 and a confirmation control 1008 are shown, after a user triggers the verification information sending control 1004, the terminal 102 sends verification information to the reserved communication signal 1002 and records the sent verification information, when the reserved communication signal corresponds to the terminal 102 in fig. 1, the user receives the verification information through the terminal 102, when the reserved communication signal corresponds to the terminal 108 in fig. 1, the user receives the verification information through the terminal 108, and then the user can input second verification information in the verification information input box 1006 of the second verification interface shown in fig. 10 based on the received verification information and trigger the confirmation control 1008, the terminal 102 acquires second verification information in response to a triggering operation of the confirmation control 1008, and after the second verification information is verified, and establishing a binding relationship between the target account and the user account, displaying the binding result shown in fig. 11, and displaying the binding result shown in fig. 12 if the verification of the second verification information fails.

In the embodiment, the terminal acquires the reserved communication signal from the target account provider, and completes the binding authority verification of the target account based on the reserved communication signal, so that the user who is performing the account binding operation is further ensured to be the user with the binding authority, the account binding safety is improved, and the resource transfer safety is improved.

In one embodiment, the reserved communication signal is a communication signal encrypted by a target account provider; after receiving a reserved communication signal fed back by a target account provider in response to an account binding request, displaying the reserved communication signal on a second check interface, wherein the method comprises the following steps: after receiving the reserved communication signal fed back by the target account provider, decrypting the reserved communication signal based on the decryption key to obtain a decrypted reserved communication signal; and displaying the decrypted reserved communication signal on a second check interface.

Specifically, after receiving an account binding request sent by a terminal, a target account provider acquires a reserved communication signal corresponding to a target account based on or the account binding request, encrypts the reserved communication signal, specifically, a public key can be used for encrypting the reserved communication signal, and the encrypted reserved communication signal is returned to the terminal.

In the embodiment, the terminal acquires the encrypted reserved communication signal, and ensures that the related information of the target account is transmitted in a relatively safe manner in the account binding process, so that the account binding safety is improved, and the resource transfer safety is improved.

In one embodiment, a third check interface is displayed in response to a target account number selection operation in the candidate account numbers, after third check information is acquired through the third check interface, an account number binding request is generated according to the third check information and the target account number, the account number binding request is sent to a target account number provider, the target account number provider returns verification passing information to the terminal after the third check information is verified, the terminal establishes a binding relationship between the user account number and the target account number based on the verification passing information, and a binding result is displayed.

And the third verification interface also displays verification prompt information, the verification prompt information is used for prompting a user to input corresponding third verification information, and the verification prompt information can prompt the user to input target resource transfer verification information related to the target account. For example, when the target account is a bank account, the verification prompt message may prompt the user to input a withdrawal password of the bank account.

Specifically, after receiving an account binding request carrying a target account and third check information, a target account provider searches for corresponding target resource transfer check information according to the target account, judges whether the third check information is consistent with the searched target resource transfer check information, if so, determines that the third check information is verified to be passed, returns verification passing information to a terminal, and establishes a binding relationship between a user account and the target account based on the verification passing information and displays a binding result representing successful binding; and if the verification result is inconsistent with the verification result, determining that the third verification information is not passed, returning verification failing information to the terminal, and displaying the binding result representing the binding failure by the terminal based on the verification failing information.

A payment scenario is taken as an example for explanation. Fig. 13 is a schematic diagram of a target resource transfer verification page in an embodiment, which shows verification prompt information 1302, a verification information input box 1304, and a confirmation control 1306, where a user may input third verification information in the verification information input box 1304 based on the displayed verification prompt information 1302, and trigger the confirmation control 1306, the terminal obtains the third verification information and the target account in response to a trigger operation on the confirmation control 1306, and sends an account binding request carrying the third verification information and the target account to the target account provider, after receiving verification passing information returned by the target account provider, establishes a binding relationship between the user account and the target account, and displays a binding result shown in fig. 11, and after receiving verification failing information returned by the target account provider, displays the binding result shown in fig. 12.

And S208, after the binding result represents that the user account is successfully bound with the target account, displaying a resource transfer result after the target resource transfer operation is completed based on the target account.

Specifically, after establishing a binding relationship between a user account and a target account, the terminal directly uses the newly bound target account as a resource provider for target resource transfer operation to complete the target resource transfer operation, that is, transfers a target resource from a resource of the target account to an account of a resource receiver pointed by the target resource transfer operation, and displays a resource transfer result after the target resource transfer operation is completed.

FIG. 14 is a diagram illustrating a resource transfer result in one embodiment, showing a resource recipient, a target resource, corresponding to a completed target resource transfer operation.

In the above embodiment, when the resource corresponding to the user account is not matched with the target resource specified by the target resource transfer operation, the terminal does not need to quit the resource transfer flow in which the target resource transfer operation is performed, directly displays the candidate account provider, responds to the selection operation of the target account provider in the candidate account provider, displays the candidate account which is associated with the user identity to which the user account belongs and belongs to the target account provider, responds to the selection operation of the target account in the candidate account, displays the binding result between the user account and the target account, and can realize the binding between the user account and the target account without manually inputting the target account, thereby directly completing the target resource transfer operation based on the bound target account, displaying the corresponding resource transfer result, and improving the efficiency of resource transfer.

In one embodiment, the resource transfer method further includes: in a position area for displaying the candidate account number provider, displaying the resource deduction information corresponding to the candidate account number provider; after the binding result represents that the user account and the target account are successfully bound, displaying a resource transfer result after the target resource transfer operation is completed based on the target account, wherein the resource transfer result comprises the following steps: and after the binding result represents that the user account and the target account are successfully bound, finishing the target resource transfer operation based on the target account and the resource deduction information of the target account provider, and displaying a resource transfer result after the target resource transfer operation is finished.

The resource deduction information comprises a deduction amount and a deduction rule and is used for prompting a user to offset and deduct part of resources which are the same as the deduction amount under the condition of meeting the deduction rule when the user finishes resource transfer operation by using an account number provided by a corresponding account number provider.

Specifically, when the terminal acquires the candidate account providers, if the candidate account providers have corresponding resource deduction information, the terminal can also acquire the resource deduction information corresponding to each candidate account provider, and when the candidate account providers are displayed, in the position area for displaying the candidate account providers, resource deduction information corresponding to the candidate account providers is displayed, a user can select a target account provider based on deduction information corresponding to each candidate account provider and an account owned by the user, and establishes a binding relationship with a target account which is associated with the user identity of the user account and belongs to the target account provider, and after the target account is successfully bound, directly finishing the target resource transfer operation based on the newly bound target account and the resource deduction information of the target account provider, and displaying a resource transfer result after the target resource transfer operation is finished.

The payment scenario is taken as an example for explanation. Fig. 15 is a schematic diagram of an account provider page in another embodiment, which shows a candidate account provider 1502 and corresponding resource deduction information 1504, where if a target account provider selected by a user is an XX bank, the resource deduction information of the XX bank is "immediately minus 10 yuan", the terminal responds to the operation of selecting the XX bank to acquire the candidate bank account under the user name of the user account in the XX bank, and based on the selection operation of the user on the target bank account in the candidate bank accounts, the binding relationship with the target bank account is established, directly based on the bound target bank account and the resource deduction information 'immediately reduce 10 yuan', resources which are 10 yuan less than the target resources are transferred from the target bank to a resource receiver, to complete the target resource transfer operation, and as shown in fig. 16, the resource transfer result after the target resource transfer operation is completed is displayed.

In the embodiment, the terminal displays the resource deduction information corresponding to the candidate account provider in the position area for displaying the candidate account provider, and then can finish target resource transfer operation based on the target account and the resource deduction information of the target account provider after the binding result represents that the user account and the target account are successfully bound, so that the user can be promoted to bind the target account based on the resource deduction information, the efficiency of the user in binding the target account is improved, and the efficiency of resource transfer is improved.

In one embodiment, presenting candidate account providers in an account provider page includes: acquiring a candidate account provider and working state information corresponding to the candidate account provider; in the candidate account number providers, determining the candidate account number providers in a normal working state based on the working state information; and displaying the candidate account providers in the normal working state on an account provider page.

The working state information of the candidate account provider can be the working state information of the candidate account provider server, and the working state information is used for representing whether the candidate account provider is in a normal working state or an abnormal working state.

In the embodiment, the terminal only displays the candidate account provider in the normal working state on the account provider page, so that the user can complete account binding, the condition that the user tries to bind the account of the account provider in the abnormal working state and cannot bind the account is avoided, invalid operation of the user is reduced, the efficiency of binding the target account by the user is improved, and further the resource transfer efficiency is improved.

In one embodiment, after the terminal acquires the candidate account providers and the working state information corresponding to the candidate account providers, the terminal may further determine, in the candidate account providers, the candidate account providers in an abnormal working state based on the working state information; carrying out abnormal marking on the candidate account number provider in the abnormal working state; and displaying the candidate account providers subjected to the abnormal marks on an account provider page.

The abnormal mark is used for identifying that the candidate account provider is in an abnormal working state. And the candidate account number provider which is not abnormally marked indicates that the candidate account number provider is in a normal working state. Specifically, when the terminal displays the candidate account providers on the account provider page, the terminal may display the abnormally marked candidate account providers and the abnormally unmarked candidate account providers in different display states, for example, the display state of the abnormally unmarked candidate account providers is a color state, and the display state of the abnormally marked candidate account providers is a gray state; or the display state of the candidate account number provider without the abnormal mark is a selectable state, and the display state of the candidate account number provider with the abnormal mark is a non-selectable state.

Fig. 17 is a diagram that illustrates, in one embodiment, an account provider page that shows candidate account providers 1702 that are not exception flagged and candidate account providers 1704 that are exception flagged.

In the embodiment, the terminal displays the candidate account provider subjected to the abnormal mark on the account provider page, so that the user can be prompted that the current working state of the account provider is abnormal, and the account belonging to the account provider can be bound after the working state of the account provider is recovered to be normal, thereby preventing the user from being unable to know the information capable of being bound with the account belonging to the account provider, and improving the efficiency of binding the account belonging to the account provider by the user.

In another embodiment, the method for displaying the candidate account provider in the account provider page by the terminal specifically includes the following steps: when a target candidate account provider which is newly on-line exists in the candidate account providers, acquiring user gray scale information corresponding to the target candidate account provider; when the user account is determined to have the display right according to the user gray scale information, displaying the target candidate account provider on an account provider page; the method further comprises the following steps: and when the user account does not have the display right according to the user gray information, the target candidate account provider is not displayed.

The newly online target candidate account provider is a candidate account provider newly issued by the application, and the newly online target candidate account provider does not open all users, that is, not every user account can be bound with an account of the target candidate account provider. The grayscale information is information used for determining whether a user to which the user account belongs is a grayscale user, the grayscale user is a user group used for testing a target candidate account provider which is newly online, and the grayscale user has a display permission for the target candidate account provider which is newly online, that is, when the user account is matched with the grayscale information, the user to which the user account belongs is a grayscale user, and the user account has the display permission.

Specifically, after the terminal acquires the candidate account providers, the terminal determines a target candidate account provider which is newly on-line in the acquired candidate account providers, acquires user gray scale information of the target candidate account provider, then determines user gray scale information matched with the user accounts, determines that the user accounts have a display permission for the target candidate account provider corresponding to the user gray scale information matched with the user accounts, determines that the user accounts do not have the display permission for the target candidate account provider corresponding to the user gray scale information which is not matched with the user accounts, displays the target candidate account provider having the display permission and other candidate account providers except the target candidate account provider in the candidate account providers, and does not display the target candidate account provider without the display permission.

In the embodiment, the terminal obtains the user gray scale information of the newly online target candidate account provider, so that only the target candidate account provider with the display permission of the user account is displayed according to the gray scale information, and the display permission can be gradually opened for all users under the condition that the working state of the newly online target candidate account provider is normal, thereby avoiding the condition that the working state of the newly online target candidate account provider is abnormal and the account binding cannot be performed due to the fact that the target candidate account provider is directly opened and displayed for all users, reducing the invalid operation of the users, improving the efficiency of the users binding the target accounts, and further improving the resource transfer efficiency.

In another embodiment, the method for displaying the candidate account provider in the account provider page by the terminal specifically includes the following steps: acquiring the risk level of a user account; when the user account is determined to have the authority of displaying the account provider page according to the risk level, displaying the candidate account provider on the account provider page; and when the user account does not have the authority of displaying the account provider page according to the risk level, displaying risk prompt information.

Wherein the risk level of the user account can be determined by the wind control system based on the stored relevant information of the user account. For example, if the stored related information includes real-name information, it is determined that the user account has been subjected to real-name authentication, and if the user to which the user account belongs has been subjected to real-name authentication, it is determined that the risk level of the user account is a low risk level, and if the user to which the user account belongs does not have been subjected to real-name authentication, it is determined that the risk level of the user account is a high risk level.

Specifically, when the user account is in a low risk level, determining that the user account has the permission to display an account provider page, and then the terminal acquires a candidate account provider and displays the candidate account provider and the account provider page; when the user account is in a high risk level, if it is determined that the user account does not have the authority to display the candidate account provider page, risk prompt information is generated, and the risk prompt information is displayed in the risk prompt page, such as that "real name authentication is not performed on the current account" displayed in the risk prompt page shown in fig. 18.

In the embodiment, the terminal displays the candidate account provider on the account provider page by acquiring the risk level of the user account when determining that the user account has the right to display the account provider page according to the risk level, and displays the risk prompt information when determining that the user account does not have the right to display the account provider page according to the risk level, so that when the process of transferring the resource transfer process to the account binding process is carried out, a user who operates the user account at present is a user to which the user account belongs, the operation of an illegal user is avoided, and the safety of resource transfer is improved.

In one embodiment, before acquiring user information of a user to which a user account belongs, the terminal further includes a process of verifying the user identity, where the process of verifying the user identity specifically includes the following steps: displaying an identity information acquisition page; acquiring user identity information in response to an information acquisition operation triggered on an identity information acquisition page; and after the collected user identity information is verified through the pre-stored identity information of the user account, executing the step of acquiring the user information of the user to which the user account belongs.

The identity information acquisition page is used for prompting a user to acquire identity information, and specifically, an information acquisition control can be displayed on the identity information acquisition page and used for triggering information acquisition operation for acquiring the identity information of the user. The information acquisition control can be a face acquisition control, a sound acquisition control or a fingerprint acquisition control. The pre-stored identity information of the user account may be face information, voice information, or fingerprint information.

Specifically, after the terminal acquires the user identity information, the acquired user identity information is verified based on the identity information of the pre-stored user account, specifically, whether the acquired user identity information is matched with the identity information of the pre-stored user account is judged, if so, the verification is determined to be passed, and if not, the verification is determined not to be passed. When the similarity between the collected user identity information and the identity information of the pre-stored user account is larger than a similarity threshold value, the collected user identity information is determined to be matched with the pre-stored user account.

For example, fig. 19 is a schematic diagram of an identity information acquisition page in an embodiment, in which a face acquisition control 1902 is shown, the terminal shows, in response to a trigger operation on the face acquisition control 1902, a face acquisition page as shown in fig. 20, in which a face display area 2002 is shown to display an acquired face image in real time, after the terminal acquires the face image, the terminal verifies the currently acquired face information by using pre-stored face information of a user account, and shows, in a verification process, a verification prompt page as shown in fig. 21, in which verification prompt information 2102 is displayed, and if the verification of the previously acquired face information fails, shows verification failure prompt information 2202 as shown in fig. 22; if the face information collected before passes verification, displaying verification success prompt information 2302 shown in fig. 23, simultaneously executing a step of obtaining user information of a user to which a user account belongs, and after an account acquisition request is generated according to the user information, displaying a jump prompt page shown in fig. 24, where jump prompt information 2402 is displayed in the jump prompt page, the terminal responds to a trigger operation of the jump prompt information 2402, sends the account acquisition request to a target account provider, and after receiving a candidate account fed back by the target account provider, displays the candidate account on an account display page shown in fig. 9.

In the above embodiment, before the terminal acquires the user information of the user to which the user account belongs, the identity information acquisition page is displayed, the user identity information is acquired in response to an information acquisition operation triggered on the identity information acquisition page, and after the acquired user identity information is verified through the pre-stored identity information of the user account, the step of acquiring the user information of the user to which the user account belongs is executed, so that it is ensured that the user performing the account binding operation is the user to which the user account belongs, an illegal user is prevented from performing the operation, and the security of account binding and resource transfer is improved.

In one embodiment, the user account is an application account of a parent application; running a sub application program on the parent application program; the display of the candidate account, the selection operation of the target account and the display of the binding result are executed through the sub-application program. Wherein the target application provides the operating environment required by the sub-applications.

Specifically, the terminal performs resource transfer operation through a parent application program, when a resource corresponding to a user account is not matched with a target resource specified by target resource transfer operation, the parent application program displays a candidate account provider, the terminal responds to a selection operation of a target account provider in the candidate account provider, displays a candidate account which is associated with the user identity of the user account and belongs to the target account provider through a child application program corresponding to the target account provider, responds to the selection operation of the target account in the candidate account, displays a binding result between the user account and the target account, and displays a resource transfer result after the target resource transfer operation is completed based on the target account through the parent application program after the binding result represents that the user account and the target account are successfully bound.

In one embodiment, the terminal may also display the candidate account and the binding result through an H5 page or an applet page of the target account provider, and the terminal further generates corresponding signature information when generating the applet page or the H5 page, so as to ensure that information acquired through the applet page or the H5 page is information that is not tampered, and improve the security of account binding.

In one embodiment, in response to a selection operation of a target account provider in candidate account providers, a terminal invokes a binding card order-placing interface to create a session of a current account binding process, generates a corresponding sessionid field, uses the sessionid field in the current whole account binding process, and sets a corresponding validity period in the sessionid field, that is, after the validity period of the sessionid field is exceeded, the sessionid field cannot be used to execute relevant steps in the account binding process, so that the security of account binding is improved.

In one embodiment, the resource transfer method further includes the following steps: when a graphic code for binding the account is scanned, displaying a candidate account provider; after the binding result represents that the user account and the target account are successfully bound, displaying a resource transfer result after the target resource transfer operation is completed based on the target account, wherein the resource transfer result comprises the following steps: and displaying a resource transfer result after the target resource transfer operation is completed after the binding result represents that the user account and the target account are successfully bound and the target resource transfer operation is performed through the target account.

The graphic codes can be two-dimensional codes, and one graphic code corresponds to at least one candidate account provider.

Specifically, before resource transfer, the terminal may scan a graphic code for binding an account, present a candidate account provider on an account provider page based on the scanned graphic code, responding to the selection operation of a target account provider in the candidate account providers, displaying the candidate accounts which are associated with the user identity of the user account and belong to the target candidate account provider, responding to the selection operation of the target account in the candidate accounts, displaying the binding relationship between the user account and the target account, and displaying the binding result, after the binding result represents that the user account is successfully bound with the target account, when the user can transfer resources, selecting the bound target account as a resource provider for use in the target resource transfer operation, and then, the target resource transfer operation is completed based on the target account, and the resource transfer result after the target resource transfer operation is completed is displayed.

As shown in fig. 25, when the terminal scans a graphical code for binding an account, a candidate account provider corresponding to the graphical code and corresponding operating state information are obtained, when the operating state information represents that the operating state of the candidate account provider is normal, the terminal jumps to an account provider page shown in fig. 26 to display the candidate account provider, only one candidate account provider 2602 and a corresponding confirmation control 2604 are displayed in the account display page, in response to a triggering operation on the confirmation control 2604, the terminal determines the displayed candidate account provider as a target account provider, obtains a candidate account associated with a user identity and belonging to the target account provider from the target account provider, displays the candidate account in an account display page shown in fig. 9, in response to a selection operation on a target account in the candidate accounts, a binding relationship between the user account and the target account, and the binding result shown in fig. 11 is shown, and then when resource transfer is performed, the bound target account may be selected in the resource transfer page shown in fig. 3 as a resource provider used for the target resource transfer operation, so that the target resource transfer operation is completed based on the target account, and the resource transfer result after the target resource transfer operation is completed is displayed in the page shown in fig. 14; and when the working state information represents that the working state of the candidate account provider is abnormal, jumping to a fault prompt page shown in fig. 27.

In the embodiment, when the terminal scans the graphic code for binding the account, the candidate account provider is displayed, and after the binding between the user account and the target account is completed based on the displayed candidate account provider and the target resource transfer operation is performed through the target account, the resource transfer result after the target resource transfer operation is completed is displayed, that is, before the resource transfer is performed, the terminal can rapidly realize the binding between the user account and the target account in a manner of scanning the graphic code, so that the account binding efficiency is improved.

In one embodiment, S202 includes the steps of: when the resource corresponding to the user account is not matched with the target resource specified by the target resource transfer operation, displaying account binding prompt information; responding to the triggering operation of account number binding prompt information, and scanning a graphic code for binding an account number; and acquiring and displaying the candidate account providers according to the scanned graphic codes.

The account binding prompt information is used for prompting a user to bind an account by scanning a graphic code.

Specifically, an application program capable of resource transfer is run on the terminal, when resource transfer is performed through the application program, a target resource specified by the target resource transfer operation is acquired in response to a target resource transfer operation triggered on a resource transfer page, and a resource corresponding to a user account currently logging in the application program are acquired, when the resource corresponding to the user account is not matched with the target resource, a binding entry page is entered, account binding prompt information is displayed in the binding entry page, a graphic code scanning page is entered in response to a trigger operation of the account binding prompt information, a camera is called to scan a graphic code, when the graphic code for binding the account is scanned, a candidate account provider corresponding to the graphic code is acquired, and a candidate account provider is displayed on an account provider page, and then step S204 is executed.

The payment scenario is taken as an example for explanation. The terminal determines whether the resources of the user account are matched with the target resources in response to a target resource transfer operation triggered in the resource transfer page shown in fig. 3, displays a binding entry page shown in fig. 28 in which account binding prompt information 2802 is displayed when the resources of the user account are not matched with the target resources, enters a graphic code scanning page shown in fig. 25 in response to a trigger operation on the account binding prompt information 2802, acquires a candidate account provider corresponding to a graphic code when the terminal scans the graphic code for binding the account, displays the candidate account provider in the account provider page shown in fig. 26, determines the displayed candidate account provider as the target account provider in response to a trigger operation on a confirmation control 2604, and acquires a candidate account associated with the user identity and belonging to a sub-target account from the target account provider, and displaying the candidate account in the account displaying page shown in fig. 9, responding to the selection operation of the target account in the candidate account, the binding relationship between the user account and the target account, and displaying the binding result shown in fig. 11, then completing the target resource transfer operation based on the bound target account, and displaying the resource transfer result after completing the target resource transfer operation in the page shown in fig. 14.

In the embodiment, in the process of resource transfer through an application program, when a resource corresponding to a user account is not matched with a target resource specified by target resource transfer operation, the terminal displays account binding prompt information, responds to trigger operation of the account binding prompt information, scans a graphic code for binding the account, and acquires and displays a candidate account provider according to the scanned graphic code, that is, in the process of resource transfer, the terminal can rapidly realize binding of the user account and the target account in a manner of scanning the graphic code, so that account binding efficiency and resource transfer efficiency are improved.

In one embodiment, as shown in fig. 29, a resource transfer method is provided, which is described by taking the method as an example applied to the terminal 102 in fig. 1, and includes the following steps:

and S2902, when the resources in the resource pool of the user account and the resources corresponding to the bound account of the user account are not matched with the target resources specified by the target resource transfer operation, displaying a first verification interface.

S2904, acquiring first verification information through the first verification interface.

And S2906, after the first verification information passes the verification of the pre-stored verification information of the user account, acquiring the risk level of the user account.

And S2908, when the user account is determined to have the right of displaying the account binding entry page according to the risk level, displaying the account binding entry page.

S2910, responding to the account provider display operation triggered by the account binding entry page, and acquiring the candidate account provider and the working state information corresponding to the candidate account provider.

S2912, in the candidate account providers, determining a candidate account provider in a normal operating state and a candidate account provider in an abnormal operating state based on the operating state information.

S2914, displaying the candidate account provider in the normal operating state on an account provider page.

S2916, an abnormality flag is performed on the candidate account provider in the abnormal operating state.

S2918, displaying the abnormally marked candidate account provider on an account provider page.

S2920, in the position area for displaying the candidate account number provider, displaying the resource deduction information corresponding to the candidate account number provider.

S2922, responding to the selection operation of the target account provider in the candidate account providers, and displaying an identity information acquisition page.

S2924, responding to information acquisition operation triggered on the identity information acquisition page, and acquiring user identity information.

S2926, after the collected user identity information is verified through the pre-stored identity information of the user account, the user information of the user to which the user account belongs is obtained.

S2928, generating an account acquisition request according to the user information.

S2930, sending the account acquisition request to a target account provider; and the account acquisition request is used for indicating the target account provider to acquire the candidate account corresponding to the user information.

And S2932, receiving the candidate account fed back by the target account provider.

And S2934, displaying the candidate account in the account display page.

And S2936, responding to the selection operation of the target account in the candidate accounts, and sending an account binding request to a target account provider.

And S2938, after receiving the reserved communication signal fed back by the target account provider in response to the account binding request, displaying the reserved communication signal on a second check interface.

And S2940, when the second check information acquired from the second check interface is consistent with the check information sent to the reserved communication signal, binding the target account with the user account, and displaying a binding result.

S2942, after the binding result represents that the user account and the target account are successfully bound, completing target resource transfer operation based on the target account and the resource deduction information of the target account provider, and displaying a resource transfer result after the target resource transfer operation is completed.

In one embodiment, as shown in fig. 30, a resource transfer method is provided, which is described by taking the method as an example applied to the terminal 102 in fig. 1, and includes the following steps:

s3002, when the graphic code used for binding the account is scanned, acquiring the candidate account provider and the working state information corresponding to the candidate account provider.

And S3004, displaying the candidate account provider on an account provider page when the candidate account provider is determined to be in a normal working state based on the working state information.

S3006, responding to the selection operation of the target account provider in the candidate account providers, and displaying an identity information acquisition page.

And S3008, collecting user identity information in response to the information collection operation triggered on the identity information collection page.

S3010, after the collected user identity information is verified through the pre-stored identity information of the user account, user information of a user to which the user account belongs is obtained.

And S3012, generating an account acquisition request according to the user information.

S3014, sending the account acquisition request to a target account provider; and the account acquisition request is used for indicating the target account provider to acquire the candidate account corresponding to the user information.

And S3016, receiving the candidate account fed back by the target account provider.

And S3018, displaying the candidate account in an account display page.

And S3020, responding to the selection operation of the target account in the candidate accounts, and sending an account binding request to a target account provider.

And S3022, after receiving the reserved communication signal fed back by the target account provider in response to the account binding request, displaying the reserved communication signal on a second check interface.

And S3024, when the second verification information acquired from the second verification interface is consistent with the verification information sent to the reserved communication signal, binding the target account with the user account, and displaying a binding result.

And S3026, after the binding result represents that the user account and the target account are successfully bound and the target resource transfer operation is performed through the target account, displaying a resource transfer result after the target resource transfer operation is completed.

The application also provides an application scenario applying the resource transfer method. Specifically, the resource transfer method is applied to the application scenario as follows:

when the target transfer or target order payment is performed through the wechat client, referring to a sequence diagram of a resource transfer method shown in fig. 31, when the balance of a wechat wallet corresponding to a wechat account and the balance of a bank card bound by the wechat account cannot be completed, a wechat payment password verification page is displayed. The method comprises the steps of obtaining a payment password input by a user through a WeChat payment password verification page to determine that the user to which a WeChat account belongs carries out related operation, obtaining the risk level of the WeChat account after the payment password input by the user passes verification to determine whether the permission of an account binding entry page can be displayed for the WeChat account, displaying the account binding entry page when the user account has the permission of displaying the account binding entry page, and displaying an input-free card number binding entry on the account binding entry page. Responding to the triggering operation of the input-free card number binding inlet, acquiring the working state information of a candidate bank party and a bank party, displaying the bank party in a normal working state on an account provider page, responding to the selection operation of a target bank party in the displayed bank party, performing card number binding-free ordering, creating session of the current card binding process, generating a session field, and using the session field in the current card binding process. Entering a face collection page, after the collected face information is verified, obtaining user information corresponding to the WeChat account number and a bank card number bound by the WeChat account number, sending the user information corresponding to the WeChat account number and the bank card number bound by the WeChat account number to a target bank party, simultaneously jumping to a bank applet of the target bank party, and displaying the bank card number (the bank card number except the bound bank card number) under the user name to which the WeChat account number belongs through the bank applet. Responding to the operation of selecting a target bank card number in the displayed bank card numbers, acquiring user four-element information which is reserved by a user in the target bank party and is related to the target bank card number from the target bank party, displaying a short message verification page, sending a verification short message to the telephone number in the user four-element information, acquiring the verification information through the short message verification page, verifying the verification information and the name and the identity card number in the verification information and the user four-element information, establishing the binding relationship between the WeChat account number and the target bank card number after the verification is passed, and displaying the binding result by the WeChat client. And then, finishing target transfer or target order payment based on the newly bound target bank card, and displaying a transfer result or an order payment result.

It should be understood that although the various steps in the flowcharts of fig. 2, 29 and 30 are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not limited to being performed in the exact order illustrated and, unless explicitly stated herein, may be performed in other orders. Moreover, at least some of the steps in fig. 2, 29 and 30 may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, which are not necessarily performed in sequence, but may be performed in turn or alternately with other steps or at least some of the other steps or stages.

In one embodiment, as shown in fig. 32, there is provided a resource transfer apparatus, which may be a part of a computer device using a software module or a hardware module, or a combination of the two, and specifically includes: an account provider presentation module 3202, an account presentation module 3204, a binding module 3206, and a resource transfer module 3208, wherein:

the account provider display module 3202 is configured to display the candidate account providers when the resources corresponding to the user account are not matched with the target resources specified by the target resource transfer operation.

The account display module 3204 is configured to, in response to a selection operation of a target account provider in the candidate account providers, display candidate accounts which are associated with a user identity to which the user account belongs and belong to the target account provider.

The binding module 3206, in response to a selection operation of a target account in the candidate accounts, displays a binding result between the user account and the target account.

The resource transfer module 3208 displays a resource transfer result after the target resource transfer operation is completed based on the target account after the binding result represents that the user account is successfully bound with the target account.

In one embodiment, the account provider presentation module 3202 is further configured to: displaying resource deduction information corresponding to the candidate account provider in a position area for displaying the candidate account provider; the resource transfer module 3208 is further configured to: and after the binding result represents that the user account and the target account are successfully bound, finishing the target resource transfer operation based on the target account and the resource deduction information of the target account provider, and displaying a resource transfer result after the target resource transfer operation is finished.

In one embodiment, the resources corresponding to the user account include resources in a resource pool of the user account and resources corresponding to a bound account of the user account; the account provider display module 3202 is further configured to: and when the resources in the resource pool and the resources corresponding to the bound account are not matched with the target resources specified by the target resource transfer operation, displaying the candidate account provider in an account provider page.

In one embodiment, the account provider presentation module 3202 is further configured to: when the resources in the resource pool and the resources corresponding to the bound account are not matched with the target resources specified by the target resource transfer operation, displaying a first verification interface; acquiring first verification information through a first verification interface; and after the first verification information passes verification through the pre-stored verification information of the user account, displaying the candidate account provider in an account provider page.

In one embodiment, the account provider presentation module 3202 is further configured to: after the first verification information passes verification through the pre-stored verification information of the user account, displaying an account binding entry page; responding to an account provider display operation triggered by an account binding entry page, and entering an account provider page; and displaying the candidate account provider on an account provider page.

In the embodiment, the terminal acquires the first verification information through the first verification interface, and only displays the candidate account provider in the account provider page after the first verification information is verified, so that when the resource transfer process is switched to the account binding process, the currently operating user is the user to which the user account belongs, the operation of an illegal user is avoided, and the security of resource transfer is improved.

In one embodiment, the account provider presentation module 3202 is further configured to: acquiring a candidate account provider and working state information corresponding to the candidate account provider; in the candidate account number providers, determining the candidate account number providers in a normal working state based on the working state information; and displaying the candidate account providers in the normal working state on an account provider page.

In one embodiment, the account provider presentation module 3202 is further configured to: determining candidate account providers in abnormal working states based on the working state information in the candidate account providers; carrying out abnormal marking on the candidate account number provider in the abnormal working state; and displaying the candidate account providers subjected to the abnormal marks on an account provider page.

In the embodiment, the terminal displays the abnormally marked candidate account provider on the account provider page to prompt the user that the current working state of the account provider is abnormal, and can bind the account belonging to the account provider after the working state of the account provider is recovered to be normal, so that the problem that the user cannot know the information capable of being bound with the account of the account provider is avoided, and the efficiency of binding the account belonging to the account provider by the user is improved.

In one embodiment, the account provider presentation module 3202 is further configured to: when a target candidate account provider which is newly on-line exists in the candidate account providers, acquiring user gray scale information corresponding to the target candidate account provider; when the user account is determined to have the display right according to the user gray scale information, displaying the target candidate account provider on an account provider page; and when the user account does not have the display right according to the user gray scale information, the target candidate account provider is not displayed.

In one embodiment, the account provider presentation module 3202 is further configured to: acquiring a risk level of a user account; when the user account is determined to have the authority of displaying the account provider page according to the risk level, displaying the candidate account provider on the account provider page; and when the user account does not have the authority of displaying the account provider page according to the risk level, displaying risk prompt information.

In the embodiment, the terminal displays the candidate account provider on the account provider page when the risk level of the user account is determined to have the authority for displaying the account provider page according to the risk level, and displays the risk prompt information when the user account is determined not to have the authority for displaying the account provider page according to the risk level, so that when the process of transferring the resource transfer process to the account binding process is carried out, a user currently operating the terminal is a user to which the user account belongs, illegal users are prevented from operating the terminal, and the safety of resource transfer is improved.

In one embodiment, the account number presentation module 3204 is further configured to: responding to the selection operation of a target account provider in the candidate account providers, and acquiring user information of a user to which the user account belongs; generating an account acquisition request according to the user information; sending an account acquisition request to a target account provider; the account acquisition request is used for indicating a target account provider to acquire a candidate account corresponding to the user information; receiving candidate accounts fed back by a target account provider; and displaying the candidate account in an account display page.

In one embodiment, as shown in fig. 33, the apparatus further includes an authentication module 3210, and the authentication module 3210 is configured to: displaying an identity information acquisition page; acquiring user identity information in response to an information acquisition operation triggered on an identity information acquisition page; after the collected user identity information is verified through the pre-stored identity information of the user account, the step of acquiring the user information of the user to which the user account belongs is performed through the account displaying module 3204.

In one embodiment, the binding module 3206 is configured to: responding to the selection operation of a target account in the candidate accounts, and sending an account binding request to a target account provider; after receiving a reserved communication signal fed back by a target account provider in response to the account binding request, displaying the reserved communication signal on a second check interface; and when the second check information acquired from the second check interface is consistent with the check information sent to the reserved communication signal, binding the target account with the user account, and displaying a binding result.

In one embodiment, the reserved communication signal is a communication signal encrypted by a target account provider; a binding module 3206, further configured to: after receiving the reserved communication signal fed back by the target account provider, decrypting the reserved communication signal based on the decryption key to obtain a decrypted reserved communication signal; and displaying the decrypted reserved communication signal on a second check interface.

In one embodiment, the user account is an application account of a parent application; running a sub application program on the parent application program; the displaying of the candidate account, the selecting operation of the target account and the displaying of the binding result are executed through the sub-application program.

In one embodiment, as shown in fig. 33, the apparatus further includes a graphic code scanning module 3212, wherein the graphic code scanning module 3212 is configured to: when a graphic code for binding the account is scanned, displaying a candidate account provider; the resource transfer module 3208 is further configured to: and displaying a resource transfer result after the target resource transfer operation is completed after the binding result represents that the user account is successfully bound with the target account and the target resource transfer operation is performed through the target account.

In one embodiment, the account provider presentation module 3202 is further configured to: when the resource corresponding to the user account is not matched with the target resource specified by the target resource transfer operation, displaying account binding prompt information; responding to the triggering operation of account number binding prompt information, and scanning a graphic code for binding an account number; and acquiring and displaying the candidate account providers according to the scanned graphic codes.

In the embodiment, in the process of resource transfer through an application program, when a resource corresponding to a user account is not matched with a target resource specified by target resource transfer operation, the terminal displays account binding prompt information, responds to trigger operation of the account binding prompt information, scans a graphic code for binding the account, and acquires and displays a candidate account provider according to the scanned graphic code.

For the specific limitation of the resource transfer apparatus, reference may be made to the above limitation on the resource transfer method, which is not described herein again. The modules in the resource transfer device may be wholly or partially implemented by software, hardware and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.

In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as shown in fig. 34. The computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is used for storing user information data. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a resource transfer method.

In one embodiment, a computer device is provided, which may be a terminal, and its internal structure diagram may be as shown in fig. 35. The computer device includes a processor, a memory, a communication interface, a display screen, and an input device connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless communication can be realized through WIFI, an operator network, NFC (near field communication) or other technologies. The computer program is executed by a processor to implement a resource transfer method. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on the shell of the computer equipment, an external keyboard, a touch pad or a mouse and the like.

It will be appreciated by those skilled in the art that the configurations shown in fig. 34 or 35 are block diagrams of only some of the configurations relevant to the present application, and do not constitute a limitation on the computing devices to which the present application may be applied, and that a particular computing device may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, a computer device is further provided, which includes a memory and a processor, the memory stores a computer program, and the processor implements the steps of the above method embodiments when executing the computer program.

In an embodiment, a computer-readable storage medium is provided, in which a computer program is stored which, when being executed by a processor, carries out the steps of the above-mentioned method embodiments.

In one embodiment, a computer program product or computer program is provided that includes computer instructions stored in a computer-readable storage medium. The computer instructions are read by a processor of a computer device from a computer-readable storage medium, and the computer instructions are executed by the processor to cause the computer device to perform the steps in the above-mentioned method embodiments.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database or other medium used in the embodiments provided herein can include at least one of non-volatile and volatile memory. Non-volatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, or the like. Volatile Memory can include Random Access Memory (RAM) or external cache Memory. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others.

The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.

The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is specific and detailed, but not to be understood as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.

Claims

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

2. The method of claim 1, further comprising:

in a position area for displaying the candidate account number provider, displaying resource deduction information corresponding to the candidate account number provider;

and after the binding result represents that the user account and the target account are successfully bound, finishing the target resource transfer operation based on the target account and the resource deduction information of the target account provider, and displaying a resource transfer result after the target resource transfer operation is finished.

3. The method according to claim 1, wherein the resources corresponding to the user account include resources in a resource pool of the user account and resources corresponding to a bound account of the user account;

when the resource corresponding to the user account is not matched with the target resource specified by the target resource transfer operation, displaying the candidate account provider, including:

And displaying the candidate account providers in an account provider page.

4. The method of claim 3, wherein when the resources in the resource pool and the resources corresponding to the bound account are not matched with the target resources specified by the target resource transfer operation, displaying the candidate account provider in an account provider page, comprises:

5. The method of claim 4, wherein displaying candidate account providers in an account provider page after the first verification information passes verification of the pre-stored verification information of the user account comprises:

displaying a candidate account provider on the account provider page.

6. The method of claim 3, wherein presenting the candidate account providers in an account provider page comprises:

7. The method of claim 6, further comprising:

carrying out abnormity marking on the candidate account number provider in an abnormal working state;

8. The method of claim 3, wherein presenting the candidate account providers in an account provider page comprises:

the method further comprises the following steps: and when the user account does not have the display right according to the user gray information, the target candidate account provider is not displayed.

9. The method of claim 3, wherein presenting the candidate account providers in an account provider page comprises:

acquiring the risk level of the user account;

when the user account is determined to have the permission to display the account provider page according to the risk level, displaying a candidate account provider on the account provider page;

the method further comprises the following steps: and when the user account does not have the authority of displaying the account provider page according to the risk level, displaying risk prompt information.

10. The method of claim 1, wherein the displaying, in response to a selection operation of a target account provider of the candidate account providers, a candidate account associated with a user identity to which the user account belongs and belonging to the target account provider comprises:

generating an account acquisition request according to the user information;

receiving the candidate account fed back by the target account provider;

and displaying the candidate account in an account display page.

11. The method according to claim 10, wherein before the obtaining of the user information of the user to which the user account belongs, the method further comprises:

displaying an identity information acquisition page;

and after the collected user identity information is verified through the pre-stored identity information of the user account, executing the step of acquiring the user information of the user to which the user account belongs.

12. The method of claim 1, wherein the presenting of the binding result of the user account and the target account in response to the selection of the target account in the candidate accounts comprises:

13. An apparatus for resource transfer, the apparatus comprising:

14. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor, when executing the computer program, implements the steps of the method of any of claims 1 to 12.

15. A computer-readable storage medium, storing a computer program, characterized in that the computer program, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 12.