CN116862497A - Resource transfer method and device - Google Patents

Resource transfer method and device Download PDF

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Publication number
CN116862497A
CN116862497A CN202310788598.4A CN202310788598A CN116862497A CN 116862497 A CN116862497 A CN 116862497A CN 202310788598 A CN202310788598 A CN 202310788598A CN 116862497 A CN116862497 A CN 116862497A
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China
Prior art keywords
resource transfer
user
information
server
contact person
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CN202310788598.4A
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Chinese (zh)
Inventor
王娟
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Bank of China Ltd
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Bank of China Ltd
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Priority to CN202310788598.4A priority Critical patent/CN116862497A/en
Publication of CN116862497A publication Critical patent/CN116862497A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F3/00—Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
    • G06F3/01—Input arrangements or combined input and output arrangements for interaction between user and computer
    • G06F3/048—Interaction techniques based on graphical user interfaces [GUI]
    • G06F3/0481—Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
    • G06F3/0482—Interaction with lists of selectable items, e.g. menus
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • General Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Human Computer Interaction (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The application relates to a resource transfer method and a resource transfer device. The method comprises the following steps: the first user side obtains a resource transfer operation input by the first user based on a resource transfer interface; responding to a resource transfer operation, and displaying a common contact list; and acquiring a target contact person selected by the first user based on the common contact person list, sending a resource transfer request to a server according to the target contact person, sending the resource transfer request to a second user side corresponding to the target contact person by the server according to the resource transfer request, and carrying out resource transfer processing on an account corresponding to the second user side under the condition that the second user side feeds back transfer approval information. According to the embodiment of the application, the resource transfer can be performed by selecting the target contact person, so that a user does not need to open an account with a bank card, and network payment can be realized by using a mobile phone bank.

Description

Resource transfer method and device
Technical Field
The application relates to the technical field of artificial intelligence, in particular to a resource transfer method and device.
Background
With the development of internet technology, the internet has penetrated to various links of life and work, and network payment has become a main payment means for people. People can carry out network payment operations such as code scanning payment, life payment, telephone charge recharging, shopping in a mall and the like through a mobile phone bank.
The existing network payment is mainly to pay deduction operation to a bank card bound by a user in a mobile phone bank.
However, the above manner requires the user to open the exclusive bank card of the mobile phone bank, and if the user does not open the bank card, the mobile phone bank payment cannot be realized.
Disclosure of Invention
Based on this, it is necessary to provide a resource transfer method and device capable of realizing mobile banking payment when a user does not open a bank card.
In a first aspect, the present application provides a resource transfer method, applied to a first user terminal, where the method includes:
acquiring a resource transfer operation input by a first user based on a resource transfer interface;
responding to a resource transfer operation, and displaying a common contact list;
and acquiring a target contact person selected by the first user based on the common contact person list, sending a resource transfer request to the server according to the target contact person, wherein the resource transfer request is used for indicating the server to send the resource transfer request to a second user side corresponding to the target contact person, and carrying out resource transfer processing on an account corresponding to the second user side under the condition that the second user side feeds back consent transfer information.
In one embodiment, the method further comprises:
And receiving refusing information sent by the server, and displaying refusing information, wherein the refusing information is used for representing refusing resource transfer of the target contact person.
In a second aspect, the present application further provides a resource transfer method, applied to a second user terminal, where the method includes:
receiving a resource transfer request sent by a server, and displaying a transfer information interface; the resource transfer request is acquired by the server from the first user side;
and acquiring confirmation operation input by the second user based on the transfer information interface, and sending approval transfer information to the server in response to the confirmation operation, wherein the approval transfer information is used for indicating the server to carry out resource transfer processing on the account corresponding to the second user side.
In one embodiment, the method further comprises:
responsive to the validation operation, presenting an authentication interface;
and acquiring the identity verification information input by the second user based on the identity verification interface, and sending the identity verification information to the server, wherein the identity verification information is used for indicating the server to perform identity verification, and performing resource transfer processing on an account corresponding to the second user after the identity verification is passed.
In one embodiment, the method further comprises:
and acquiring rejection operation input by the second user based on the transfer information interface, transmitting rejection transfer information to the server in response to the rejection operation, wherein the rejection transfer information is used for indicating the server to prohibit transferring resources, and transmitting rejection information to the first user terminal.
In a third aspect, the present application further provides a resource transfer method, applied to a server, where the method includes:
acquiring a resource transfer request sent by a first user terminal, wherein the resource transfer request carries a target contact person;
a resource transfer request is sent to a second user side corresponding to the target contact person;
and if receiving the consent transfer information sent by the second user terminal according to the resource transfer request, carrying out resource transfer processing on the account corresponding to the second user terminal according to the consent transfer information.
In one embodiment, the method further comprises:
if the authentication information sent by the second user side is received, performing authentication according to the authentication information;
and under the condition that the authentication is passed, carrying out resource transfer processing on the account corresponding to the second user terminal.
In a fourth aspect, the present application further provides a resource transfer device, applied to a first user terminal, where the device includes:
the operation acquisition module is used for acquiring the resource transfer operation input by the first user based on the resource transfer interface;
the list display module is used for responding to the resource transfer operation and displaying a common contact list;
the resource transfer module is used for acquiring a target contact person selected by the first user based on the common contact person list, sending a resource transfer request to the server according to the target contact person, wherein the resource transfer request is used for indicating the server to send the resource transfer request to a second user side corresponding to the target contact person, and carrying out resource transfer processing on an account corresponding to the second user side under the condition that the second user side feeds back transfer approval information.
In a fifth aspect, the present application further provides a resource transfer device, applied to a second user side, where the device includes:
the interface display module is used for receiving the resource transfer request sent by the server and displaying a transfer information interface; the resource transfer request is acquired by the server from the first user side;
the transfer processing module is used for acquiring confirmation operation input by the second user based on the transfer information interface, and sending approval transfer information to the server in response to the confirmation operation, wherein the approval transfer information is used for indicating the server to carry out resource transfer processing on the account corresponding to the second user side.
In a sixth aspect, the present application further provides a resource transferring device. The device comprises:
the request acquisition module is used for acquiring a resource transfer request sent by the first user terminal, wherein the resource transfer request carries a target contact person;
the request sending module is used for sending a resource transfer request to a second user terminal corresponding to the target contact person;
and the resource processing module is used for carrying out resource transfer processing on the account corresponding to the second user terminal according to the consent transfer information if the consent transfer information sent by the second user terminal according to the resource transfer request is received.
In a seventh aspect, the present application provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the methods of the first, second and third aspects described above when executing the computer program.
In an eighth aspect, the present application provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the methods of the first, second and third aspects described above.
In a ninth aspect, the present application provides a computer program product comprising a computer program which, when executed by a processor, implements the methods of the first, second and third aspects described above.
According to the resource transfer method and device, the first user side obtains the resource transfer operation input by the first user based on the resource transfer interface; responding to a resource transfer operation, and displaying a common contact list; and acquiring a target contact person selected by the first user based on the common contact person list, sending a resource transfer request to a server according to the target contact person, sending the resource transfer request to a second user side corresponding to the target contact person by the server according to the resource transfer request, and carrying out resource transfer processing on an account corresponding to the second user side under the condition that the second user side feeds back transfer approval information. According to the embodiment of the application, the resource transfer can be performed by selecting the target contact person, so that a user does not need to open an account with a bank card, and network payment can be realized by using a mobile phone bank.
Drawings
FIG. 1 is a diagram of an application environment for a resource transfer method in one embodiment;
FIG. 2 is a flow diagram of a method of resource transfer in one embodiment;
FIG. 3 is a flow chart of a method of transferring resources according to another embodiment;
FIG. 4 is a flow diagram showing a commonly used contact list in one embodiment;
FIG. 5 is a flow chart of the editing operation steps in one embodiment;
FIG. 6 is a flow chart of a method of transferring resources according to another embodiment;
FIG. 7 is a flow diagram of a process for sending transfer information in one embodiment;
FIG. 8 is a flow diagram of the steps of a resource transfer process in one embodiment;
FIG. 9 is a flow chart of a method of transferring resources according to another embodiment;
FIG. 10 is a flow diagram of the steps of a resource transfer process in one embodiment;
FIG. 11 is a block diagram of a resource transfer device in one embodiment;
FIG. 12 is a block diagram of a resource transfer device in another embodiment;
FIG. 13 is a block diagram of a resource transfer device in another embodiment;
fig. 14 is an internal structural diagram of an electronic device in one embodiment.
Detailed Description
The present application will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present application more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the application.
The resource transfer method provided by the embodiment of the application can be applied to an application environment shown in figure 1. The application environment includes a first client 102, a server 104, and a second client 106. Wherein the server 104 may communicate with the first client 102 and the second client 106, respectively, via a network. The data storage system 108 may store data that the server 104 needs to process. The data storage system 108 may be integrated on the server 104 or may be located on a cloud or other network server. First, the first user 102 obtains a resource transfer operation input by the first user based on the resource transfer interface. Then, the first user terminal 102 responds to the resource transfer operation and displays a common contact list; the target contact selected by the first user is obtained based on the common contact list, and a resource transfer request is sent to the server 104 according to the target contact. The server 104 sends a resource transfer request to the second user 106 corresponding to the target contact according to the resource transfer request, and performs resource transfer processing on the account corresponding to the second user 106 when the second user 106 feeds back the transfer approval information. The first user terminal 102 and the second user terminal 106 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, internet of things devices, and portable wearable devices. The portable wearable device may be a smart watch or the like. The server 104 may be implemented as a stand-alone server or as a server cluster of multiple servers.
In one embodiment, as shown in fig. 2, a resource transfer method is provided, and the method is applied to the first user terminal in fig. 1 for illustration, and includes the following steps:
step 201, acquiring a resource transfer operation input by a first user based on a resource transfer interface.
The resource transfer interface comprises commodity names, commodity prices and order marks.
In the embodiment of the application, a first user terminal displays a resource transfer interface to a user, and the first user browses the content of the resource transfer interface and inputs a resource transfer operation. The resource transferring operation can be input by the first user through voice, or can be input through interactive operation according to the input equipment such as a mouse and the like and touch of a resource transferring interface by the first user.
The first user browses the resource transfer interface, a resource transfer option is set in the resource transfer interface, and the first user clicks the resource transfer option, so that the first user side obtains a resource transfer operation.
Step 202, in response to the resource transfer operation, a list of commonly used contacts is presented.
The common contact list comprises a plurality of common contact identifications and contact head portraits, and the common contacts are arranged in a certain sequence.
In the embodiment of the application, after the first user side obtains the resource transfer operation input by the first user, the first user side displays the common contact list to the first user according to the resource transfer operation.
Step 203, a target contact selected by the first user is obtained based on the common contact list, and a resource transfer request is sent to the server according to the target contact, wherein the resource transfer request is used for indicating the server to send a resource transfer request to a second user terminal corresponding to the target contact, and under the condition that the second user terminal feeds back consent transfer information, resource transfer processing is performed on an account corresponding to the second user terminal.
In the embodiment of the application, after the first user side displays the common contact list to the first user, the first user browses the common contact list, and selects one common contact from the common contact list as the target contact, so that the first user side obtains the target contact selected by the first user. The acquiring manner may be to acquire a selection operation input by the first user through an input device such as a mouse. Or the selection operation input when the first user performs the touch operation on the resource transfer interface can be obtained.
After the first user obtains the target contact person selected by the first user, a resource transfer request is sent to the server according to the target contact person. The transmission method includes, but is not limited to, transmission by a baseband transmission method or transmission by a band transmission method.
The server receives a resource transfer request sent by the first user side, determines a second user side corresponding to the target contact according to the resource transfer request, and sends the resource transfer request to the second user side corresponding to the target contact.
And the second user side receives the resource transfer request and displays the content of the resource transfer request to the second user. The second user inputs a confirmation operation according to the resource transfer request, generates consent transfer information according to the confirmation operation, and sends the consent transfer information to the server. And the server receives feedback consent transfer information of the second user terminal and performs resource transfer processing on the account corresponding to the second user terminal.
The first user selects a target contact a (second user), the server sends a resource transfer request to a second user terminal corresponding to the target contact a, the target contact a inputs a confirmation operation and agrees to transfer information, the second user terminal sends the agreeing to transfer information to the server, and the server performs the resource transfer operation on the target contact a based on the agreeing to transfer information.
According to the resource transfer method, firstly, the resource transfer operation input by the first user is acquired based on the resource transfer interface. Then, in response to the resource transfer operation, a list of commonly used contacts is presented. And finally, acquiring a target contact person selected by the first user based on the common contact person list, sending a resource transfer request to a server according to the target contact person, sending the resource transfer request to a second user side corresponding to the target contact person by the server according to the resource transfer request, and carrying out resource transfer processing on an account corresponding to the second user side under the condition that the second user side feeds back consent transfer information. According to the embodiment of the application, the resource transfer can be performed by selecting the target contact person, so that a user does not need to open an account with a bank card, and network payment can be realized by using a mobile phone bank.
On the basis of the above embodiment, the embodiment of the present application may further include: and receiving refusing information sent by the server, and displaying refusing information, wherein the refusing information is used for representing refusing resource transfer of the target contact person.
In the embodiment of the application, after the first user obtains the target contact person selected by the first user, a resource transfer request is sent to the server according to the selected target contact person. The server receives a resource transfer request sent by a first user side, and sends the resource transfer request to a second user side corresponding to the target contact according to the resource transfer request.
And the second user receives the resource transfer request and displays the content of the resource transfer request to the second user. The second user inputs a rejection operation according to the resource transfer request. And the second user side generates rejection information according to the rejection operation and sends the rejection information to the server. And under the condition that the server receives the feedback rejection information of the second user terminal, sending the ending rejection information to the first user terminal. The first user terminal receives the rejection information and displays the rejection information to the first user.
According to the resource transfer method, the rejection information sent by the server is received, and the rejection information is displayed, wherein the rejection information is used for representing rejection of the resource transfer by the target contact person. According to the embodiment of the application, the second user can reject the operation according to the resource transfer request sent by the first user, so that the error in sending the resource transfer request caused by improper operation of the first user is reduced, and the resource transfer risk is reduced.
In one embodiment, as shown in fig. 3, the embodiment of the present application further includes:
step 301, acquiring a first trigger operation of adding control input by a first user for a contact person based on a preset interface of an application program.
In the embodiment of the application, a first user opens a preset interface of an application program, a contact person adding control is arranged in the preset interface, and the first user inputs a first triggering operation aiming at the contact person adding control. Input means include, but are not limited to, clicking on a contact add control with a mouse, or adding a control with a touch point contact. And the first user inputs a first trigger operation, and the first user ends to the first trigger operation.
Step 302, responding to a first triggering operation, and displaying an adding mode interface; a plurality of adding controls are arranged in the adding mode interface.
In the embodiment of the application, the first user side displays an adding mode interface to the first user according to the first triggering operation input by the first user. The adding mode interface is provided with a plurality of adding controls, and the adding controls comprise, but are not limited to, radar and friend adding, code scanning adding, address book adding and the like.
Step 303, acquiring a second trigger operation input by the first user aiming at the target adding control based on the adding mode interface, and adding the common contact according to the second trigger operation.
In the embodiment of the application, after the first user side displays the adding mode interface to the first user. The first user inputs a second trigger operation to select a target add control from a plurality of add controls. The input method includes, but is not limited to, input by means of an input device such as a mouse, or input by means of touching an add control. After the first user selects the target adding control, the first user terminal adds the common contact according to the second triggering operation.
The first user clicks "add through address book", the first user inputs the second trigger operation to select "add through address book", and the common contact is added according to the "add through address book" selected by the second trigger operation.
According to the resource transfer method, first, a first trigger operation of a first user for contact person adding control input is obtained based on a preset interface of an application program, and an adding mode interface is displayed in response to the first trigger operation; a plurality of adding controls are arranged in the adding mode interface. And finally, acquiring a second trigger operation input by the first user aiming at the target adding control based on the adding mode interface, and adding the common contact according to the second trigger operation. In the embodiment of the application, the first user can select the target contact person directly through the common contact person list by adding the common contact person in advance, so that the resource transfer step is simplified.
In one embodiment, as shown in fig. 4, the embodiment of the present application may further include the following steps:
step 304, acquiring a third trigger operation input by the first user for the list display control based on a preset interface.
In the embodiment of the application, a first user side opens a preset interface of an application program, a list display control is arranged in the preset interface, and the first user inputs a third trigger operation aiming at the list display control. The input method includes, but is not limited to, input by means of an input device such as a mouse, or input by means of touching an add control. And the first user inputs a third trigger operation, and the first user side acquires the third trigger operation.
In step 305, in response to the third triggering operation, a common contact list is displayed.
The common contact list comprises a plurality of added common contacts.
In the embodiment of the application, the first user side displays the common contact list to the first user according to the third triggering operation of the first user.
The first user terminal displays the common contact list to the first user according to the third triggering operation of the first user. The common contact list includes user a, user B, user C.
According to the resource transfer method, the first user terminal firstly obtains the third triggering operation of the first user input aiming at the list display control based on the preset interface. And then, responding to a third triggering operation, and displaying a common contact list. According to the embodiment of the application, the common contact list is displayed to the first user to select the target contact, so that the step of transferring resources is simplified.
In one embodiment, as shown in fig. 5, the embodiment of the present application may further include the following steps:
step 306, obtaining a selection operation input by the first user based on the common contact list.
In the embodiment of the application, after the first user side displays the common contact list to the first user, the first user inputs the selection operation according to the common contact list. The input method includes, but is not limited to, input by means of an input device such as a mouse, or input by means of touching an add control.
Step 307, in response to the selection operation, displaying a contact editing interface selected by the first user.
In the embodiment of the application, after the first user side obtains the selection operation input by the first user based on the common contact list, the first user side displays the selected contact editing interface to the first user according to the selection operation.
Step 308, acquiring an editing operation input by the first user based on the contact editing interface, wherein the editing operation comprises at least one of a modifying operation and a deleting operation.
In the embodiment of the application, after the first user side displays the contact editing interface to the display first user, the first user performs editing operations according to the contact editing interface, wherein the editing operations include, but are not limited to, modification operations and deletion operations.
Illustratively, the first user selects contact A based on the contact editing interface and performs a modification operation for contact A; or the first user selects the contact A based on the contact editing interface and performs deleting operation on the contact A.
According to the resource transfer method, the first user side firstly obtains the selection operation input by the first user based on the common contact list. And then, responding to the selection operation, and displaying a contact editing interface selected by the first user. And acquiring editing operation input by the first user based on the contact editing interface, wherein the editing operation comprises at least one of modifying operation and deleting operation. In the embodiment of the application, the first user can carry out operations such as modifying operation, deleting operation and the like on the common contact person, and can edit the common contact person, thereby improving the experience of the user.
In one embodiment, as shown in fig. 6, a resource transfer method is provided, and the method is applied to the second user side in fig. 1 for illustration, and includes the following steps:
step 401, receiving a resource transfer request sent by a server, and displaying a transfer information interface; the resource transfer request is obtained by the server from the first user side.
The transfer information interface comprises commodity information and commodity price.
In the embodiment of the application, after the first user obtains the target contact person selected by the first user, a resource transfer request is sent to the server according to the selected target contact person. The server receives a resource transfer request sent by a first user side, and sends the resource transfer request to a second user side corresponding to the target contact according to the resource transfer request. The second ue receives the resource transfer request sent by the server, where the receiving manner includes, but is not limited to, obtaining by a baseband transmission manner or obtaining by a band transmission manner. And the second user side displays a transfer information interface to the second user according to the resource transfer request, wherein the display mode comprises but is not limited to through popup or an application page.
For example, if the resource transfer request is to pay the commodity a, the second user side obtains the resource transfer request transmitted to the server by the user a, and displays the information of paying the commodity a to the second user B.
Step 402, acquiring a confirmation operation input by the second user based on the transfer information interface, and sending approval transfer information to the server in response to the confirmation operation, wherein the approval transfer information is used for indicating the server to perform resource transfer processing on an account corresponding to the second user side.
In the embodiment of the application, the second user receives the resource transfer request, and the content of the resource transfer request is displayed to the second user through the transfer information interface. And the second user responds to the confirmation operation according to the confirmation operation of the content input of the transfer information interface. The confirmation operation may be input by the second user through an input device such as a mouse, or input by the second user touching the transfer information interface.
And the second user clicks the confirmation option, and the second user side acquires the confirmation operation input by the second user. And then, the second user side generates the consent transfer information according to the confirmation operation and sends the consent transfer information to the server. And the server receives the consent transfer information sent by the second user terminal and performs resource transfer processing on the account corresponding to the second user terminal according to the consent transfer information.
Illustratively, if the content of the transfer information interface is 200 yuan for payment to the merchandise B, the second user B agrees to perform the confirmation operation. The second user side obtains the confirmation operation of the second user B, generates the consent operation information, transmits the consent determination information to the server, and the server transfers the account of the second user B out of 200 yuan according to the price of the commodity.
In the resource transfer method, the second user side receives the resource transfer request sent by the server and displays a transfer information interface; the resource transfer request is obtained by the server from the first user side. And the second user side acquires a confirmation operation input by the second user based on the transfer information interface, and sends consent transfer information to the server in response to the confirmation operation, and the server performs resource transfer processing on an account corresponding to the second user side according to the resource transfer request. In the embodiment of the application, the second user side displays the resource transfer request to the second user through the transfer information interface, so that the first user does not need to open an account with a bank card when using the mobile phone bank to carry out network payment, thereby improving the use convenience.
In one embodiment, as shown in fig. 7, after the second user input confirmation operation, the embodiment of the present application may further include the steps of:
step 403, in response to the confirmation operation, displaying an authentication interface.
The identity verification interface comprises a verification input box or a human face acquisition box.
In the embodiment of the application, after the second user receives the determining operation of the second user, the identity authentication interface is displayed to the second user, and the displaying mode includes but is not limited to through a popup window or an application page.
Illustratively, the second user side presents an authentication interface to the second user through a pop-up window.
Step 404, acquiring authentication information input by the second user based on the authentication interface, and sending the authentication information to the server, where the authentication information is used to instruct the server to perform authentication, and instruct the server to perform resource transfer processing on an account corresponding to the second user after authentication is passed.
In the embodiment of the application, after the second user side displays the authentication interface to the second user, the second user inputs authentication information in the authentication interface. The input mode may be that the encrypted character string is input through an input device such as a keyboard, or the identity authentication information is automatically generated after the identity authentication is performed through the face recognition function of the second user side.
And after the second user side acquires the authentication information input by the second user, the second user side sends the authentication information to the server. After receiving the authentication information, the server performs authentication according to the authentication information. The verification mode may be that the server compares the user information of the second user of the database with the authentication information, or that the server sends the authentication information to the authentication platform, and the authentication platform performs authentication. After the authentication is successful, the server performs resource transfer processing on the account corresponding to the second user terminal.
The second user generates authentication information by face recognition, and the server compares the authentication information with user information of the second user stored in the database. After the comparison is successful, the server performs deduction operation on the account of the second user.
According to the resource transfer method, the second user side firstly responds to the confirmation operation and displays the identity authentication interface. And then, acquiring identity verification information input by a second user based on the identity verification interface, sending the identity verification information to the server, wherein the identity verification information is used for indicating the server to perform identity verification, and indicating the server to perform resource transfer processing on an account corresponding to the second user after the authentication is passed. According to the embodiment of the application, the second user is authenticated in an authentication mode, so that the security of the resource transfer process is improved.
On the basis of the above embodiment, the embodiment of the present application may further include: and acquiring rejection operation input by the second user based on the transfer information interface, transmitting rejection transfer information to the server in response to the rejection operation, wherein the rejection transfer information is used for indicating the server to prohibit transferring resources, and transmitting rejection information to the first user terminal.
In the embodiment of the application, the second user side displays the transfer information interface, receives the refusing operation input by the second user based on the transfer information interface, then generates refusing transfer information according to the refusing operation, and sends the refusing transfer information to the server. The server receives the refused transfer information, generates a command for prohibiting transfer of the resources according to the refused transfer information, terminates the resource transfer operation and sends refused information to the first user terminal.
The first user inputs a rejection operation according to the transfer information interface, and then the second user generates rejection transfer information according to the rejection operation and sends the rejection transfer information to the server.
According to the resource transfer method, the reject operation input by the second user is acquired based on the transfer information interface, the reject transfer information is sent to the server in response to the reject operation, the reject transfer information is used for indicating the server to prohibit transferring resources, and the reject information is sent to the first user side. According to the embodiment of the application, the second user can reject the operation according to the resource transfer request sent by the first user, so that the error in sending the resource transfer request caused by improper operation of the first user is reduced, and the resource transfer risk is reduced.
In one embodiment, as shown in fig. 8, a resource transfer method is provided, and the method is applied to the server in fig. 1 for illustration, and the method may include the following steps:
step 501, a resource transfer request sent by a first user terminal is obtained, where the resource transfer request carries a target contact.
In the embodiment of the application, after the first user obtains the target contact person selected by the first user, a resource transfer request is sent to the server according to the target contact person. The server obtains a resource transfer request carrying a target contact person sent by the first user side, and the obtaining mode includes, but is not limited to, obtaining through a radio or other channels.
The server obtains a resource transfer request carrying a target contact C sent by the first user terminal.
Step 502, a resource transfer request is sent to a second user terminal corresponding to the target contact person.
In the embodiment of the application, after the server obtains the resource transfer request carrying the target contact, the server sends the resource transfer request to the second user terminal corresponding to the target contact. The transmission means includes, but is not limited to, transmission by radio or other channel means.
The server sends a resource transfer request to a second user terminal b corresponding to the target contact person D.
Step 503, if receiving the transfer approval information sent by the second user terminal according to the resource transfer request, performing resource transfer processing on the account corresponding to the second user terminal according to the transfer approval information.
In the embodiment of the application, after the server sends the resource transfer request to the second user terminal corresponding to the target contact person, the second user terminal displays the resource transfer request to the second user terminal, wherein the displaying includes but is not limited to through a network interface or a popup window. The second user inputs a determining operation according to the resource transfer request, and the second user side generates consent transfer information according to the determining operation input by the second user and sends the consent transfer information to the server. And the server receives the consent transfer information and performs resource transfer processing on the account corresponding to the second user terminal according to the consent transfer information.
For example, if the resource transfer request of the first user is 200 yuan payment to the commodity b, the second user side transfers 200 yuan to the account corresponding to the second user side according to the consent transfer information sent by the resource transfer request.
According to the resource transfer method, the resource transfer request sent by the first user terminal is firstly obtained, and the resource transfer request carries the target contact person. And then sending a resource transfer request to a second user side corresponding to the target contact. And if receiving the consent transfer information sent by the second user terminal according to the resource transfer request, carrying out resource transfer processing on the account corresponding to the second user terminal according to the consent transfer information. According to the embodiment of the application, the resource transfer request is sent to the second user, and the resource transfer processing is carried out on the account corresponding to the second user terminal according to the transfer agreement information, so that the first user does not need to open an account with a bank card when carrying out network payment by using a mobile phone bank, and the use convenience is improved.
In one embodiment, as shown in fig. 9, the method further includes the steps of:
step 504, if the authentication information sent by the second user terminal is received, performing authentication according to the authentication information.
In the embodiment of the application, after receiving the authentication information, the server performs authentication according to the authentication information, wherein the authentication mode may be that the server compares the authentication information with the authentication information according to the authentication information of the second user in the database, or that the server sends the authentication information to the authentication platform for authentication by the authentication platform.
The second user generates authentication information by face recognition, and the server compares the authentication information with the second user information stored in the database.
And 505, carrying out resource transfer processing on the account corresponding to the second user side under the condition that the identity verification is passed.
In the embodiment of the application, the server performs the deduction operation on the account of the second user terminal under the condition that the authentication information sent by the second user terminal passes the authentication.
According to the resource transfer method, firstly, if the server receives the authentication information sent by the second user side, the server performs authentication according to the authentication information. And under the condition that the authentication is passed, carrying out resource transfer processing on the account corresponding to the second user terminal. The embodiment of the application improves the security of the resource transfer process in an identity verification mode.
In one embodiment, as shown in fig. 10, the method further includes:
step 601, a first user side obtains a resource transfer operation input by a first user based on a resource transfer interface;
step 602, the first user side responds to the resource transfer operation and displays a common contact list;
step 603, the first user side obtains a target contact person selected by the first user based on the common contact person list, and sends a resource transfer request to the server according to the target contact person;
step 604, the server receives a resource transfer request sent by a first user terminal, where the resource transfer request carries a target contact person;
step 605, the server sends a resource transfer request to a second user terminal corresponding to the target contact;
step 606, the second user side receives the resource transfer request sent by the server, and displays a transfer information interface;
step 607, if the second user side obtains the confirmation operation of the second user input based on the transfer information interface, step 608 is executed, and if the second user side obtains the rejection operation of the second user input based on the transfer information interface, step 611 is executed
Step 608, the second user side displays an authentication interface, acquires authentication information input by the second user based on the authentication interface, and sends the authentication information to the server;
Step 609, if the server receives the authentication information sent by the second user side, performing authentication according to the authentication information;
in step 610, the server performs a resource transfer process on the account corresponding to the second user terminal if the authentication passes.
Step 611, the server receives refusal transfer information;
in step 612, the server sends rejection information to the first client.
According to the resource transfer method, firstly, the resource transfer operation input by the first user is acquired based on the resource transfer interface. In response to the resource transfer operation, a list of commonly used contacts is presented. And acquiring a target contact person selected by the first user based on the common contact person list, and sending a resource transfer request to a server according to the target contact person. And acquiring a resource transfer request sent by the first user terminal, wherein the resource transfer request carries a target contact person. And sending a resource transfer request to a second user side corresponding to the target contact. And receiving a resource transfer request sent by the server, and displaying a transfer information interface. And if the confirmation operation input by the second user is acquired based on the transfer information interface, the identity verification interface is displayed, the identity verification information input by the second user is acquired based on the identity verification interface, and the identity verification information is sent to the server. And if the authentication information sent by the second user side is received, carrying out authentication according to the authentication information. And under the condition that the authentication is passed, carrying out resource transfer processing on the account corresponding to the second user terminal. And if the rejection operation input by the second user is acquired based on the transfer information interface, receiving the rejection transfer information and sending the rejection information to the first user terminal.
According to the embodiment of the application, the resource transfer can be performed by selecting the target contact person, so that a user does not need to open an account with a bank card when using a mobile phone bank to perform network payment, and the use convenience is improved. The second user can be authenticated by an authentication mode, so that the security of the resource transfer process is improved. And the rejection operation can be performed according to the resource transfer request sent by the first user, so that the error in sending the resource transfer request caused by the improper operation of the first user is reduced, and the resource transfer risk is reduced. And the common contact persons can be added in advance, so that the first user can directly select the target contact person through the common contact person list when the resource transfer is carried out later, and the resource transfer step is simplified. And the common contacts can be modified, deleted and the like, so that the user experience is improved.
It should be understood that, although the steps in the flowcharts related to the embodiments described above are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in the flowcharts described in the above embodiments may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of the steps or stages is not necessarily performed sequentially, but may be performed alternately or alternately with at least some of the other steps or stages.
Based on the same inventive concept, the embodiment of the application also provides a resource transfer device for realizing the above-mentioned related resource transfer method. The implementation of the solution provided by the apparatus is similar to the implementation described in the above method, so the specific limitation in the embodiments of the apparatus of one or more resource transfer methods provided below may refer to the limitation of the resource transfer method described above, and will not be repeated here.
In one embodiment, as shown in fig. 11, there is provided a resource transferring apparatus 700, applied to a first user terminal, including:
an operation obtaining module 701, configured to obtain a resource transfer operation input by a first user based on a resource transfer interface;
a list presentation module 702 for presenting a list of commonly used contacts in response to a resource transfer operation;
the resource transfer module 703 is configured to obtain a target contact selected by the first user based on the common contact list, send a resource transfer request to the server according to the target contact, and instruct the server to send the resource transfer request to a second user terminal corresponding to the target contact, and perform resource transfer processing on an account corresponding to the second user terminal when the second user terminal feeds back approval transfer information.
In one embodiment, the apparatus further comprises:
the information display module is used for receiving refusing information sent by the server and displaying refusing information, and the refusing information is used for representing refusing resource transfer of the target contact person.
In one embodiment, as shown in fig. 12, there is provided a resource transferring apparatus 800, applied to a second user side, including:
the interface display module 801 is configured to receive a resource transfer request sent by a server, and display a transfer information interface; the resource transfer request is acquired by the server from the first user side;
the transfer processing module 802 is configured to obtain a confirmation operation input by the second user based on the transfer information interface, and send, in response to the confirmation operation, approval transfer information to the server, where the approval transfer information is used to instruct the server to perform resource transfer processing on an account corresponding to the second user.
In one embodiment, the apparatus further comprises:
the interface display module is used for responding to the confirmation operation and displaying an identity verification interface;
the authentication processing module is used for acquiring the authentication information input by the second user based on the authentication interface, sending the authentication information to the server, and indicating the server to perform authentication after the authentication is passed, and indicating the server to perform resource transfer processing on the account corresponding to the second user.
In one embodiment, the apparatus further comprises:
and the refusing processing module is used for acquiring refusing operation input by the second user based on the transfer information interface, responding to the refusing operation, sending refusing transfer information to the server, and indicating the server to prohibit transferring resources and sending refusing information to the first user side.
In one embodiment, as shown in fig. 13, there is provided a resource transferring apparatus 900, applied to a second user side, including:
the request acquisition module 901 is configured to acquire a resource transfer request sent by a first user terminal, where the resource transfer request carries a target contact person;
a request sending module 902, configured to send a resource transfer request to a second user terminal corresponding to the target contact;
the resource processing module 903 is configured to, if receiving the transfer approval information sent by the second user according to the resource transfer request, perform resource transfer processing on an account corresponding to the second user according to the transfer approval information.
In one embodiment, the apparatus further comprises:
the verification module is used for carrying out identity verification according to the identity verification information if the identity verification information sent by the second user side is received;
and the account processing module is used for carrying out resource transfer processing on the account corresponding to the second user side under the condition that the identity verification is passed.
The various modules in the resource transfer device described above may be implemented in whole or in part by software, hardware, and combinations thereof. The above modules may be embedded in hardware or independent of a processor in the electronic device, or may be stored in software in a memory in the electronic device, so that the processor may call and execute operations corresponding to the above modules.
In one embodiment, an electronic device is provided, which may be a first user terminal or a second user terminal, and an internal structure diagram thereof may be as shown in fig. 14. The electronic device includes a processor, a memory, an input/output interface, a communication interface, a display unit, and an input device. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface, the display unit and the input device are connected to the system bus through the input/output interface. Wherein the processor of the electronic device is configured to provide computing and control capabilities. The memory of the electronic device includes a non-volatile 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 the operating system and computer programs in the non-volatile storage media. The input/output interface of the electronic device is used to exchange information between the processor and the external device. The communication interface of the electronic device is used for carrying out wired or wireless communication with an external first user terminal or second user terminal, and the wireless mode can be realized through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. The computer program is executed by a processor to implement a resource transfer method. The display unit of the electronic device is used for forming a visual picture, and can be a display screen or a virtual reality imaging device. The display screen can be a liquid crystal display screen or an electronic ink display screen, and the input device of the electronic equipment can be a touch layer covered on the display screen, can also be keys, a track ball or a touch pad arranged on the shell of the electronic equipment, and can also be an external keyboard, a touch pad or a mouse and the like.
It will be appreciated by those skilled in the art that the structure shown in fig. 14 is merely a block diagram of a portion of the structure associated with the present inventive arrangements and is not limiting of the electronic device to which the present inventive arrangements are applied, and that a particular electronic device may include more or fewer components than shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, an electronic device is provided that includes a memory having a computer program stored therein and a processor that when executing the computer program performs the steps of:
acquiring a resource transfer operation input by a first user based on a resource transfer interface;
responding to a resource transfer operation, and displaying a common contact list;
and acquiring a target contact person selected by the first user based on the common contact person list, sending a resource transfer request to the server according to the target contact person, wherein the resource transfer request is used for indicating the server to send the resource transfer request to a second user side corresponding to the target contact person, and carrying out resource transfer processing on an account corresponding to the second user side under the condition that the second user side feeds back consent transfer information.
In one embodiment, the processor when executing the computer program further performs the steps of:
And receiving refusing information sent by the server, and displaying refusing information, wherein the refusing information is used for representing refusing resource transfer of the target contact person.
In one embodiment, the processor when executing the computer program further performs the steps of:
receiving a resource transfer request sent by a server, and displaying a transfer information interface; the resource transfer request is acquired by the server from the first user side;
and acquiring confirmation operation input by the second user based on the transfer information interface, and sending approval transfer information to the server in response to the confirmation operation, wherein the approval transfer information is used for indicating the server to carry out resource transfer processing on the account corresponding to the second user side.
In one embodiment, the processor when executing the computer program further performs the steps of:
responsive to the validation operation, presenting an authentication interface;
and acquiring the identity verification information input by the second user based on the identity verification interface, and sending the identity verification information to the server, wherein the identity verification information is used for indicating the server to perform identity verification, and indicating the server to perform resource transfer processing on an account corresponding to the second user after the identity verification is passed.
In one embodiment, the processor when executing the computer program further performs the steps of:
And acquiring rejection operation input by the second user based on the transfer information interface, transmitting rejection transfer information to the server in response to the rejection operation, wherein the rejection transfer information is used for indicating the server to prohibit transferring resources, and transmitting rejection information to the first user terminal.
In one embodiment, the processor when executing the computer program further performs the steps of:
acquiring a resource transfer request sent by a first user terminal, wherein the resource transfer request carries a target contact person;
a resource transfer request is sent to a second user side corresponding to the target contact person;
and if receiving the consent transfer information sent by the second user terminal according to the resource transfer request, carrying out resource transfer processing on the account corresponding to the second user terminal according to the consent transfer information.
In one embodiment, the processor when executing the computer program further performs the steps of:
if the authentication information sent by the second user side is received, performing authentication according to the authentication information;
and under the condition that the authentication is passed, carrying out resource transfer processing on the account corresponding to the second user terminal.
In one embodiment, a computer readable storage medium is provided having a computer program stored thereon, which when executed by a processor, performs the steps of:
Acquiring a resource transfer operation input by a first user based on a resource transfer interface;
responding to a resource transfer operation, and displaying a common contact list;
and acquiring a target contact person selected by the first user based on the common contact person list, sending a resource transfer request to the server according to the target contact person, wherein the resource transfer request is used for indicating the server to send the resource transfer request to a second user side corresponding to the target contact person, and carrying out resource transfer processing on an account corresponding to the second user side under the condition that the second user side feeds back consent transfer information.
In one embodiment, the computer program when executed by the processor further performs the steps of:
and receiving refusing information sent by the server, and displaying refusing information, wherein the refusing information is used for representing refusing resource transfer of the target contact person.
In one embodiment, the computer program when executed by the processor further performs the steps of:
receiving a resource transfer request sent by a server, and displaying a transfer information interface; the resource transfer request is acquired by the server from the first user side;
and acquiring confirmation operation input by the second user based on the transfer information interface, and sending approval transfer information to the server in response to the confirmation operation, wherein the approval transfer information is used for indicating the server to carry out resource transfer processing on the account corresponding to the second user side.
In one embodiment, the computer program when executed by the processor further performs the steps of:
responsive to the validation operation, presenting an authentication interface;
and acquiring the identity verification information input by the second user based on the identity verification interface, and sending the identity verification information to the server, wherein the identity verification information is used for indicating the server to perform identity verification, and indicating the server to perform resource transfer processing on an account corresponding to the second user after the identity verification is passed.
In one embodiment, the computer program when executed by the processor further performs the steps of:
and acquiring rejection operation input by the second user based on the transfer information interface, transmitting rejection transfer information to the server in response to the rejection operation, wherein the rejection transfer information is used for indicating the server to prohibit transferring resources, and transmitting rejection information to the first user terminal.
In one embodiment, the computer program when executed by the processor further performs the steps of:
acquiring a resource transfer request sent by a first user terminal, wherein the resource transfer request carries a target contact person;
a resource transfer request is sent to a second user side corresponding to the target contact person;
and if receiving the consent transfer information sent by the second user terminal according to the resource transfer request, carrying out resource transfer processing on the account corresponding to the second user terminal according to the consent transfer information.
In one embodiment, the computer program when executed by the processor further performs the steps of:
if the authentication information sent by the second user side is received, performing authentication according to the authentication information;
and under the condition that the authentication is passed, carrying out resource transfer processing on the account corresponding to the second user terminal.
In one embodiment, a computer program product is provided comprising a computer program which, when executed by a processor, performs the steps of:
acquiring a resource transfer operation input by a first user based on a resource transfer interface;
responding to a resource transfer operation, and displaying a common contact list;
and acquiring a target contact person selected by the first user based on the common contact person list, sending a resource transfer request to the server according to the target contact person, wherein the resource transfer request is used for indicating the server to send the resource transfer request to a second user side corresponding to the target contact person, and carrying out resource transfer processing on an account corresponding to the second user side under the condition that the second user side feeds back consent transfer information.
In one embodiment, the computer program when executed by the processor further performs the steps of:
and receiving refusing information sent by the server, and displaying refusing information, wherein the refusing information is used for representing refusing resource transfer of the target contact person.
In one embodiment, the computer program when executed by the processor further performs the steps of:
receiving a resource transfer request sent by a server, and displaying a transfer information interface; the resource transfer request is acquired by the server from the first user side;
and acquiring confirmation operation input by the second user based on the transfer information interface, and sending approval transfer information to the server in response to the confirmation operation, wherein the approval transfer information is used for indicating the server to carry out resource transfer processing on the account corresponding to the second user side.
In one embodiment, the computer program when executed by the processor further performs the steps of:
responsive to the validation operation, presenting an authentication interface;
and acquiring the identity verification information input by the second user based on the identity verification interface, and sending the identity verification information to the server, wherein the identity verification information is used for indicating the server to perform identity verification, and indicating the server to perform resource transfer processing on an account corresponding to the second user after the identity verification is passed.
In one embodiment, the computer program when executed by the processor further performs the steps of:
and acquiring rejection operation input by the second user based on the transfer information interface, transmitting rejection transfer information to the server in response to the rejection operation, wherein the rejection transfer information is used for indicating the server to prohibit transferring resources, and transmitting rejection information to the first user terminal.
In one embodiment, the computer program when executed by the processor further performs the steps of:
acquiring a resource transfer request sent by a first user terminal, wherein the resource transfer request carries a target contact person;
a resource transfer request is sent to a second user side corresponding to the target contact person;
and if receiving the consent transfer information sent by the second user terminal according to the resource transfer request, carrying out resource transfer processing on the account corresponding to the second user terminal according to the consent transfer information.
In one embodiment, the computer program when executed by the processor further performs the steps of:
if the authentication information sent by the second user side is received, performing authentication according to the authentication information;
and under the condition that the authentication is passed, carrying out resource transfer processing on the account corresponding to the second user terminal.
It should be noted that, the user information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, presented data, etc.) related to the present application are information and data authorized by the user or sufficiently authorized by each party, and the collection, use and processing of the related data need to comply with the related laws and regulations and standards of the related country and region.
Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, database, or other medium used in embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high density embedded nonvolatile Memory, resistive random access Memory (ReRAM), magnetic random access Memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric Memory (Ferroelectric Random Access Memory, FRAM), phase change Memory (Phase Change Memory, PCM), graphene Memory, and the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, and the like. By way of illustration, and not limitation, RAM can be in the form of a variety of forms, such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), and the like. The databases referred to in the embodiments provided herein may include at least one of a relational database and a non-relational database. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processor referred to in the embodiments provided in the present application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic unit, a data processing logic unit based on quantum computing, or the like, but is not limited thereto.
The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.
The foregoing examples illustrate only a few embodiments of the application and are described in detail herein without thereby limiting the scope of the application. It should be noted that it will be apparent to those skilled in the art that several variations and modifications can be made without departing from the spirit of the application, which are all within the scope of the application. Accordingly, the scope of the application should be assessed as that of the appended claims.

Claims (10)

1. A method for transferring resources, applied to a first user terminal, the method comprising:
acquiring a resource transfer operation input by a first user based on a resource transfer interface;
displaying a common contact list in response to the resource transfer operation;
and acquiring a target contact person selected by the first user based on the common contact person list, and sending a resource transfer request to a server according to the target contact person, wherein the resource transfer request is used for indicating the server to send the resource transfer request to a second user side corresponding to the target contact person, and carrying out resource transfer processing on an account corresponding to the second user side under the condition that the second user side feeds back transfer information.
2. The method according to claim 1, wherein the method further comprises:
and receiving rejection information sent by the server, and displaying the rejection information, wherein the rejection information is used for representing the rejection resource transfer of the target contact person.
3. A resource transfer method, applied to a second user terminal, comprising:
receiving a resource transfer request sent by a server, and displaying a transfer information interface; the resource transfer request is acquired by the server from a first user side;
and acquiring confirmation operation input by a second user based on the transfer information interface, and sending consent transfer information to the server in response to the confirmation operation, wherein the consent transfer information is used for indicating the server to carry out resource transfer processing on an account corresponding to the second user side.
4. A method according to claim 3, characterized in that the method further comprises:
responding to the confirmation operation, and displaying an identity verification interface;
and acquiring the identity verification information input by the second user based on the identity verification interface, and sending the identity verification information to the server, wherein the identity verification information is used for indicating the server to perform identity verification, and performing resource transfer processing on an account corresponding to the second user terminal after the authentication is passed.
5. A method according to claim 3, characterized in that the method further comprises:
and acquiring rejection operation input by the second user based on the transfer information interface, and transmitting rejection transfer information to the server in response to the rejection operation, wherein the rejection transfer information is used for indicating the server to prohibit transferring resources and transmitting rejection information to the first user side.
6. A method of resource transfer, for application to a server, the method comprising:
acquiring a resource transfer request sent by a first user terminal, wherein the resource transfer request carries a target contact person;
sending the resource transfer request to a second user side corresponding to the target contact person;
and if receiving the consent transfer information sent by the second user terminal according to the resource transfer request, carrying out resource transfer processing on an account corresponding to the second user terminal according to the consent transfer information.
7. The method of claim 6, wherein the method further comprises:
if the authentication information sent by the second user side is received, performing authentication according to the authentication information;
and under the condition that the authentication is passed, carrying out resource transfer processing on the account corresponding to the second user side.
8. A resource transfer device, for use with a first client, the device comprising:
the operation acquisition module is used for acquiring the resource transfer operation input by the first user based on the resource transfer interface;
the list display module is used for responding to the resource transfer operation and displaying a common contact list;
the resource transfer module is used for acquiring a target contact person selected by the first user based on the common contact person list, sending a resource transfer request to a server according to the target contact person, wherein the resource transfer request is used for indicating the server to send the resource transfer request to a second user side corresponding to the target contact person, and carrying out resource transfer processing on an account corresponding to the second user side under the condition that the second user side feeds back transfer approval information.
9. A resource transfer device, applied to a second user terminal, comprising:
the interface display module is used for receiving the resource transfer request sent by the server and displaying a transfer information interface; the resource transfer request is acquired by the server from a first user side;
and the transfer processing module is used for acquiring confirmation operation input by the second user based on the transfer information interface, and sending approval transfer information to the server in response to the confirmation operation, wherein the approval transfer information is used for indicating the server to carry out resource transfer processing on the account corresponding to the second user side.
10. A resource transfer apparatus for use with a server, said apparatus comprising:
the request acquisition module is used for acquiring a resource transfer request sent by a first user terminal, wherein the resource transfer request carries a target contact person;
the request sending module is used for sending the resource transfer request to a second user side corresponding to the target contact person;
and the resource processing module is used for carrying out resource transfer processing on the account corresponding to the second user terminal according to the consent transfer information if the consent transfer information sent by the second user terminal according to the resource transfer request is received.
CN202310788598.4A 2023-06-30 2023-06-30 Resource transfer method and device Pending CN116862497A (en)

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Application Number Priority Date Filing Date Title
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Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202310788598.4A CN116862497A (en) 2023-06-30 2023-06-30 Resource transfer method and device

Publications (1)

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