CN116993333A - Characteristic value transfer method and related device - Google Patents

Characteristic value transfer method and related device Download PDF

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Publication number
CN116993333A
CN116993333A CN202210445916.2A CN202210445916A CN116993333A CN 116993333 A CN116993333 A CN 116993333A CN 202210445916 A CN202210445916 A CN 202210445916A CN 116993333 A CN116993333 A CN 116993333A
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characteristic value
target
information
feature value
target object
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胥林波
郭懿心
韦德志
郑伟涛
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Tenpay Payment Technology Co Ltd
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Tenpay Payment Technology Co Ltd
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Priority to CN202210445916.2A priority Critical patent/CN116993333A/en
Publication of CN116993333A publication Critical patent/CN116993333A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/085Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855Payment architectures involving remote charge determination or related payment systems involving a third party
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • G06Q20/40145Biometric identity checks

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

Abstract

The embodiment of the application discloses a characteristic value transferring method and a related device, which can directly finish transferring characteristic values from a target characteristic value account to a characteristic value transferring object according to characteristic value transferring information in response to the existence of the target characteristic value account corresponding to the target object in a target characteristic value storage platform, so that the characteristic value transferring can be realized without logging in the target characteristic value storage platform by the target object, the characteristic value transferring flow is simplified, and the characteristic value transferring efficiency is improved; in addition, the characteristic value is directly transferred from the characteristic value account corresponding to the target object, so that the characteristic value transfer amount is not limited by the third party account, and meanwhile, the storage platform does not need to perform subsequent account checking operation for the third party account, so that the convenience of characteristic value transfer is improved, and the processing pressure of the storage platform is further reduced.

Description

Characteristic value transfer method and related device
Technical Field
The application relates to the technical field of payment, in particular to a characteristic value transfer method and a related device.
Background
With the continuous popularization and development of internet technology, more and more users tend to conduct transaction actions such as shopping, transferring accounts, etc. on the network.
In the related art, when the transaction behavior involves a user and a third party asset storage platform outside the transaction platform, such as a banking platform, if the user needs to call an asset from the third party asset storage platform, the user needs to log in on the third party platform first, the transaction process is complicated, and the transaction experience of the user is poor.
Disclosure of Invention
In order to solve the technical problems, the application provides a characteristic value transfer method and a login-free convenient characteristic value transfer mode for a demand object.
The embodiment of the application discloses the following technical scheme:
in a first aspect, an embodiment of the present application discloses a feature value transferring method, where the method includes:
acquiring a first characteristic value transfer request initiated by a target object and aiming at a target characteristic value storage platform, wherein the first characteristic value transfer request comprises object identity information and characteristic value transfer information corresponding to the target object, the characteristic value transfer information is used for identifying a target characteristic value to be transferred and a characteristic value transfer object, and the target object is in an unregistered state on the target characteristic value storage platform;
determining whether a target characteristic value account corresponding to the target object exists in the target characteristic value storage platform according to the object identity information, wherein the target characteristic value account is used for storing the characteristic value of the target object;
And in response to the existence of the target characteristic value account, transferring the target characteristic value to the characteristic value transfer object through the target characteristic value account according to the characteristic value transfer information.
In a second aspect, an embodiment of the present application discloses a feature value transferring apparatus, where the apparatus includes a first obtaining unit, a determining unit, and a first response unit:
the first obtaining unit is configured to obtain a first feature value transfer request initiated by a target object and directed against a target feature value storage platform, where the first feature value transfer request includes object identity information and feature value transfer information corresponding to the target object, where the feature value transfer information is used to identify a target feature value to be transferred and a feature value transfer object, and the target object is in an unregistered state on the target feature value storage platform;
the determining unit is used for determining whether a target characteristic value account corresponding to the target object exists in the target characteristic value storage platform according to the object identity information, and the target characteristic value account is used for storing the characteristic value of the target object;
the first response unit is used for responding to the existence of the target characteristic value account and transferring the target characteristic value to the characteristic value transferring object through the target characteristic value account according to the characteristic value transferring information.
In one possible implementation manner, the first response unit is specifically configured to:
generating a characteristic value transfer verification interface of the target characteristic value storage platform according to the characteristic value transfer information;
acquiring verification information input by the target object aiming at the characteristic value transfer verification interface;
and responding to the matching of the verification information and the preset verification information corresponding to the target object, and transferring the target characteristic value to the characteristic value transferring object through the target characteristic value account.
In one possible implementation manner, the apparatus further includes a second acquisition unit and a second response unit:
the second acquisition unit is used for acquiring real identity information corresponding to the target object on the target characteristic value storage platform;
the second response unit is configured to execute the step of determining, according to the object identity information, whether a target feature value account corresponding to the target object exists in the target feature value storage platform in response to the matching of the object identity information and the real identity information.
In one possible implementation manner, the first eigenvalue transfer request is initiated by a first transaction platform, the target object is in a login state in the first transaction platform, and the object identity information is acquired by the first transaction platform.
In a possible implementation manner, the first transaction platform has a feature value transferring component, the feature value transferring component is configured to provide a function of performing login-free feature value transferring in the target feature value storage platform for an object, and the first obtaining unit is specifically configured to:
and responding to the target object with corresponding object registration information in the characteristic value transfer component, and acquiring a first characteristic value transfer request initiated by the target object and aiming at the target characteristic value storage platform through a platform interface corresponding to the target characteristic value storage platform.
In a possible implementation manner, the feature value transferring component has corresponding private key information, and the determining unit is specifically configured to:
and responding to the private key information in the first eigenvalue transfer request, and determining whether a target eigenvalue account corresponding to the target object exists in the target eigenvalue storage platform according to the object identity information.
In a possible implementation manner, the apparatus further includes a third obtaining unit, a generating unit, a fourth obtaining unit, a third responding unit, and an executing unit:
the third obtaining unit is configured to obtain a second eigenvalue transfer request for the target eigenvalue storage platform, initiated by the target object through a second transaction platform, where the second transaction platform does not have the eigenvalue transfer component, and the second eigenvalue transfer request includes the eigenvalue transfer information and the object identity information;
The generating unit is used for generating and displaying a login verification interface to the target object;
the fourth obtaining unit is configured to obtain login information to be verified, which is input by the target object for the login verification interface;
the third response unit is used for changing the state of the target object in the target characteristic value storage platform into a login state in response to the fact that the login information to be verified is matched with the corresponding preset login information of the target object in the target characteristic value storage platform;
the executing unit is configured to execute the step of determining, according to the object identity information, whether a target feature value account corresponding to the target object exists in the target feature value storage platform.
In a third aspect, embodiments of the present application disclose a computer device comprising a processor and a memory:
the memory is used for storing program codes and transmitting the program codes to the processor;
the processor is configured to execute the feature value transferring method according to any one of the first aspects according to an instruction in the program code.
In a fourth aspect, an embodiment of the present application discloses a computer-readable storage medium storing a computer program for executing the feature value transferring method according to any one of the first aspects.
In a fifth aspect, embodiments of the present application disclose a computer program product comprising instructions which, when run on a computer, cause the computer to perform the feature value transfer method of any of the first aspects.
According to the technical scheme, when the target object needs to transfer the characteristic value, a first characteristic value transfer request which is initiated by the target object and aims at the target characteristic value storage platform can be acquired first, wherein the first characteristic value transfer request comprises object identity information and characteristic value transfer information corresponding to the target object, the characteristic value transfer information is used for identifying the target characteristic value and the characteristic value transfer object to be transferred, the characteristic value transfer object is the party to which the characteristic value is transferred, and the target object is in an unregistered state in the target characteristic value storage platform. At this time, whether the target feature value storage platform has a target feature value account corresponding to the target object can be judged according to the object identity information, and the target feature value account is used for storing the feature value of the target object. In response to the existence of the target characteristic value account, the characteristic value can be transferred from the target characteristic value account to the characteristic value transfer object directly according to the characteristic value transfer information, so that the characteristic value transfer can be realized without logging in the target characteristic value storage platform by the target object, the characteristic value transfer flow is simplified, and the characteristic value transfer efficiency is improved; in addition, the characteristic value is directly transferred from the characteristic value account corresponding to the target object, so that the characteristic value transfer amount is not limited by the third party account, and meanwhile, the storage platform does not need to perform subsequent account checking operation for the third party account, so that the convenience of characteristic value transfer is improved, and the processing pressure of the storage platform is further reduced.
Drawings
In order to more clearly illustrate the embodiments of the application or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the application, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a schematic diagram of a feature value transferring method in an actual application scenario according to an embodiment of the present application;
FIG. 2 is a flowchart of a feature value transferring method according to an embodiment of the present application;
fig. 3 is a schematic diagram of a feature value transferring method in an actual application scenario according to an embodiment of the present application;
FIG. 4 is a schematic diagram of an interface according to an embodiment of the present application;
FIG. 5 is a schematic diagram of an interface according to an embodiment of the present application;
FIG. 6 is a schematic diagram of an interface according to an embodiment of the present application;
FIG. 7 is a block diagram of a feature value transferring apparatus according to an embodiment of the present application;
fig. 8 is a block diagram of a terminal according to an embodiment of the present application;
fig. 9 is a block diagram of a server according to an embodiment of the present application.
Detailed Description
Embodiments of the present application are described below with reference to the accompanying drawings.
In the related art, when the characteristic value transfer is required to be performed through a transaction platform and a third party characteristic value storage platform other than a transaction object, a user is usually required to log in the characteristic value storage platform, for example, banking software, before the characteristic value transfer operation can be performed, and therefore the user is required to additionally perform a login operation, and the characteristic value transfer process is complicated.
In order to solve the technical problems, the application provides a characteristic value transfer method, provides a convenient characteristic value transfer mode without login for a required object, and enables the object to perform characteristic value transfer operation without logging in a target characteristic value storage platform.
It is to be understood that the method may be applied to a processing device, which is a processing device capable of feature value transfer, for example, a terminal device or a server having a feature value transfer function. The method can be independently executed by the terminal equipment or the server, can also be applied to a network scene of communication between the terminal equipment and the server, and is executed by the cooperation of the terminal equipment and the server. The terminal equipment can be a computer, a mobile phone and other equipment. The server can be understood as an application server or a Web server, and can be an independent server or a cluster server in actual deployment.
It will be appreciated that in the specific embodiments of the present application, related data such as user information, object information, etc. are involved, and when the above embodiments of the present application are applied to specific products or technologies, user permission or consent is required to be obtained, and the collection, use and processing of related data is required to comply with related laws and regulations and standards of related countries and regions.
In order to facilitate understanding of the technical solution provided by the embodiments of the present application, a feature value transferring method provided by the embodiments of the present application will be described below with reference to an actual application scenario.
Referring to fig. 1, fig. 1 is a schematic diagram of a feature value transferring method in an actual application scenario, where a processing device is a server 101 with a feature value transferring function according to an embodiment of the present application.
In the process that a target object performs shopping on a transaction platform, a characteristic value transfer request aiming at a target characteristic value storage platform can be initiated through the transaction platform, the characteristic value transfer request comprises object identity information corresponding to the target object and characteristic value transfer information, the object identity information can identify the identity of the target object, the characteristic value transfer information is used for identifying a target characteristic value to be transferred and the characteristic value transfer object, and the target object is in an unregistered state on the target characteristic value storage platform.
The processing device may determine, according to the object identity information, whether the target feature value storage platform has a target feature value account corresponding to the target object, and if so, may directly transfer the target feature value from the target feature value account to a feature value transfer object, that is, directly transfer the feature value owned by the target object. On one hand, the characteristic value transferring process does not need to log in the target characteristic value storage platform by a target object, so that the characteristic value transferring flow is simplified, and the characteristic value transferring efficiency is improved; on the other hand, the characteristic value transfer is directly transferred from the account of the target object to the characteristic value transfer object, so that the characteristic value limit requirement caused by the third party payment can be avoided, and the characteristic value storage platform does not need to perform further characteristic value transfer operation between the third party account and the target characteristic value account, thereby bringing more convenient characteristic value transfer experience to the object.
Next, a feature value transfer method provided by an embodiment of the present application will be described with reference to the accompanying drawings.
Referring to fig. 2, fig. 2 is a flowchart of a feature value transferring method according to an embodiment of the present application, where the method includes:
S201: and acquiring a first characteristic value transfer request which is initiated by the target object and aims at the target characteristic value storage platform.
The target object is any object having a feature value transfer requirement, and may be, for example, a user who needs to perform feature value transfer. The characteristic value is a representation of an asset, which may be a virtual asset, or may have a target physical asset, financial product, etc. The object may transfer the feature value held by itself to other objects to obtain the goods, services, etc. of the other objects.
It should be emphasized that, in a normal case, when the target object performs an operation for a feature value in the target feature value storage platform, the target feature value storage platform needs to be logged in first. In the embodiment of the present application, when the first feature value transfer request is acquired, the target object is in an unregistered state on the target feature value storage platform. In order to enable the target object to realize the feature value transferring operation in the unregistered state, the first feature value transferring request needs to include object identity information and feature value transferring information corresponding to the target object, where the object identity information is used to identify an identity of the target object, and the feature value transferring information is used to identify a target feature value to be transferred and a feature value transferring object, that is, the feature value transferring is to transfer the target feature value to the feature value transferring object.
S202: and determining whether a target characteristic value account corresponding to the target object exists on the target characteristic value storage platform according to the object identity information.
The target characteristic value account is used for storing characteristic values of the target object, for example, a bank account for storing the object asset and the like. In the embodiment of the application, the characteristic value transfer is performed between the characteristic value accounts of the target objects, so that the target objects are required to have the corresponding target characteristic value accounts in the target characteristic value storage platform. Based on the above, after the first feature value transfer request is acquired, the processing device may determine, based on the object identity identified by the object identity information, whether a target feature value account corresponding to the target object exists in the target feature value storage platform.
S203: and transferring the target characteristic value to the characteristic value transferring object through the target characteristic value account according to the characteristic value transferring information in response to the existence of the target characteristic value account.
If the processing equipment confirms that the target object has a corresponding target characteristic value account in the target characteristic value storage platform, the characteristic value transfer can be directly carried out from the target characteristic value account, and at the moment, the processing equipment can transfer the target characteristic value to the characteristic value transfer object through the target characteristic value account, so that login verification on the target object is not needed.
According to the technical scheme, when the target object needs to transfer the characteristic value, a first characteristic value transfer request which is initiated by the target object and aims at the target characteristic value storage platform can be acquired first, wherein the first characteristic value transfer request comprises object identity information and characteristic value transfer information corresponding to the target object, the characteristic value transfer information is used for identifying the target characteristic value and the characteristic value transfer object to be transferred, the characteristic value transfer object is the party to which the characteristic value is transferred, and the target object is in an unregistered state in the target characteristic value storage platform. At this time, whether the target feature value storage platform has a target feature value account corresponding to the target object can be judged according to the object identity information, and the target feature value account is used for storing the feature value of the target object. In response to the existence of the target characteristic value account, the characteristic value can be transferred from the target characteristic value account to the characteristic value transfer object directly according to the characteristic value transfer information, so that the characteristic value transfer can be realized without logging in the target characteristic value storage platform by the target object, the characteristic value transfer flow is simplified, and the characteristic value transfer efficiency is improved; in addition, the characteristic value is directly transferred from the characteristic value account corresponding to the target object, so that the characteristic value transfer amount is not limited by the third party account, and meanwhile, the storage platform does not need to perform subsequent account checking operation for the third party account, so that the convenience of characteristic value transfer is improved, and the processing pressure of the storage platform is further reduced.
It will be appreciated that, since the characteristic value stored in the target characteristic value account is the asset of the target object, in one possible implementation manner, in order to secure the asset of the target object, the processing device may perform the verification operation of the characteristic value transfer on the target object before performing the characteristic value transfer.
The processing device may generate, according to the feature value transfer information, a feature value transfer verification interface of the target feature value storage platform, where the feature value transfer verification interface is used to perform security verification on the feature value transfer. The feature value transfer verification interface can be displayed to the target object after being generated, and the target object can input verification information for verification through the interface. The processing device may acquire verification information input by the target object for the feature value transfer interface, and then match the verification information with preset verification information corresponding to the target object in the target feature value storage platform, where the preset verification information is information for verifying feature value transfer security preset by the target object in the target feature value storage platform, and may be fingerprint information, payment password information, and the like, for example.
And responding to the matching of the verification information and the preset verification information corresponding to the target object, to indicate that the characteristic value transferring operation is safer, and the processing equipment can transfer the target characteristic value to the characteristic value transferring object through the target characteristic value account.
In addition to verifying the feature value transfer operation, in one possible implementation, the processing device may further verify the identity information of the target object in order to further increase the security of the feature value transfer operation. The processing device may obtain real identity information corresponding to the target object in the target feature value storage platform, where the real identity information is accurate identity information corresponding to the target object, for example, may be real identity card information, phone number information, and the like corresponding to the target object. The processing device may compare the real identity information with the object identity information, and respond to the matching of the object identity information and the real identity information, so that it may be explained to a certain extent that the first feature value transfer request is applied by the object, and at this time, the processing device may execute a step of determining, according to the object identity information, whether a target feature value account corresponding to the target object exists in the target feature value storage platform, and perform a feature value transfer operation for the target object.
The manner of adding the object identity information to the first feature value transfer request may include various manners, specifically, in one possible implementation manner, the first feature value transfer request may be initiated through a first transaction platform, and the first transaction platform may provide a transaction service based on a feature value for the target object, for example, may be a shopping platform, a merchant platform, or the like. If the target object wants to trade on the first trading platform, the target object needs to be in a login state in the first trading platform. It can be appreciated that, since the target object can log in the first transaction platform, and the log-in requires the identity information corresponding to the target object, the identity information of the target object can be obtained through the first transaction platform. For example, the target object may be registered in the first transaction platform by inputting its own object identity information, and when the target object logs in the first transaction platform and initiates a first feature value transfer request through the first transaction platform, the object identity information may be obtained by information recorded in the first transaction platform.
Specifically, in one possible implementation manner, the first transaction platform has a feature value transferring component, and the feature value transferring component is used for providing a function of performing no-login feature value transfer in a target feature value storage platform for an object, that is, if a feature value transferring service is required to be provided for the object in an unregistered state, the feature value transferring component is required to be provided in the transaction platform, and the object cannot perform a feature value transferring operation when the object is unregistered in the target feature value storage platform during a transaction on the transaction platform without the feature value transferring component.
After the first transaction platform has the characteristic value transfer component, if the target object wants to open the login-free characteristic value transfer function, the target object can register through the characteristic value transfer component, after the registration is successful, object registration information corresponding to the target object is stored in the characteristic value transfer component, and the object registration information is used for identifying that the target object is successfully registered. When a target object initiates a first eigenvalue transfer request through the first transaction platform, the eigenvalue transfer component can judge whether the target object has the object registration information corresponding to the target object, and the response that the target object has the corresponding object registration information in the eigenvalue transfer component indicates that the target object opens the login-free eigenvalue transfer function through registration in the eigenvalue transfer component. At this time, the processing device may acquire a first feature value transfer request initiated by the target object and directed against the target feature value storage platform through a platform interface corresponding to the target feature value storage platform, where the platform interface is an interface used for performing information interaction between the feature value transfer component and the target feature value storage platform. Therefore, by registering in the feature value transfer component, the target object can realize feature value transfer through the target feature value storage platform without logging in the target feature value storage platform, and meanwhile, the feature value transfer can be carried out in an unregistered state only through the feature value transfer request sent by the platform interface, so that the security of the feature value transfer is improved to a certain extent.
In one possible implementation manner, to further improve the security of the feature value transfer, the processing device may further set corresponding private key information for the feature value transfer component, where the private key information is used to identify the feature value transfer component, that is, the feature value transfer component has corresponding private key information under normal conditions. In response to the first feature value transfer request having the private key information, the processing device may determine, according to the object identity information, whether a target feature value account corresponding to the target object exists on the target feature value storage platform, so that multiple verifications may be performed through the private key information, and a situation that the feature value transfer component is impersonated to send the feature value transfer request is prevented.
Accordingly, when the transaction platform does not have the feature value transfer component, the target feature value storage platform may not provide the login-free feature value transfer service to the transaction platform. For example, in one possible implementation, the processing device may further obtain a second eigenvalue transfer request for the target eigenvalue storage platform initiated by the target object through a second transaction platform, the second eigenvalue transfer request including eigenvalue transfer information and object identity information, the second transaction platform not having an eigenvalue transfer component. At this time, the processing device may first request the target object to log on the target feature value storage platform.
The processing device may generate and display a login verification interface to the target object, and then obtain login information to be verified, which is input by the target object for the login verification interface, and compare the login information to be verified with preset login information corresponding to the target object in the target feature value storage platform, where the preset login information is information input by the target object when the target object registers in the target feature value storage platform. And responding to the to-be-verified login information and the corresponding preset login information of the target object in the target characteristic value storage platform, and explaining that the login is carried out for the target object to a certain extent, wherein the processing equipment can change the state of the target object in the target characteristic value storage platform into a login state.
After the target object is in the login state, the processing device may execute a step of determining, according to the object identity information, whether the target feature value account corresponding to the target object exists in the target feature value storage platform. Therefore, when the transaction platform does not have the qualification of providing the login-free feature value transfer function, the processing equipment can firstly require the target object to log in the target feature value storage platform so as to ensure the feature value safety of the target object.
In order to facilitate understanding of the technical solution provided by the embodiments of the present application, a feature value transferring method provided by the embodiments of the present application will be described below with reference to an actual application scenario.
Referring to fig. 3, fig. 3 is a schematic diagram of a feature value transferring method in an actual application scenario provided by an embodiment of the present application, in the actual application scenario, a transaction platform is a transaction application, a target feature value storage platform is a banking application, and a target object is a user as a buyer.
When the user initiates the payment, the payment may be made by selecting a feature value transfer component in the transaction application, as shown in the interface of fig. 4, and then selecting a banking platform supported by the feature value transfer component, as shown in fig. 5. The feature value transfer component performs pre-ordering processing through the background, namely, whether the user is registered in the feature value transfer component is determined, and if the user is registered, the pre-ordering is successful. The feature value transferring component can push the transaction type (payment), the identity information (name, identity card and the like) and the order information (order number, transaction amount, commodity information and the like) to the bank through the background interface according to the login information of the user in the transaction application and the transaction information of the time, and after the private key signature of the feature value transferring component and the authenticity of the pushed identity information are verified by the bank, the joint login state of the weak login state of the payment of the transaction can be established according to the user information and the order information pushed by the feature value transferring component, namely, the state that the user can finish the payment without logging in the bank application is achieved, and the unified resource locator address (Uniform Resource Locator, url for short) of the weak login state of the payment is returned.
The user can jump to the bank application interface according to url returned by the bank application, the bank application identifies the jump, and displays the detail page of the transaction (payment) type, as shown in fig. 6, without login authentication of the bank application, and the user confirms the transaction information and then makes payment. When the user applies for payment through the bank through other transaction application without the characteristic value transferring component, the application login authentication of the bank is necessary.
Based on the feature value transferring method provided by the foregoing embodiment, the embodiment of the present application further provides a feature value transferring device, referring to fig. 7, fig. 7 is a block diagram of a feature value transferring device 700 provided by the embodiment of the present application, where the device 700 includes a first obtaining unit 701, a determining unit 702, and a first response unit 703:
a first obtaining unit 701, configured to obtain a first feature value transfer request initiated by a target object and directed against a target feature value storage platform, where the first feature value transfer request includes object identity information and feature value transfer information corresponding to the target object, where the feature value transfer information is used to identify a target feature value to be transferred and a feature value transfer object, and the target object is in an unregistered state on the target feature value storage platform;
The determining unit 702 is configured to determine, according to the object identity information, whether a target feature value account corresponding to the target object exists in the target feature value storage platform, where the target feature value account is used to store a feature value of the target object;
the first response unit 703 is configured to transfer, in response to the existence of the target feature value account, the target feature value to the feature value transfer object through the target feature value account according to the feature value transfer information.
In one possible implementation manner, the first response unit 703 is specifically configured to:
generating a characteristic value transfer verification interface of the target characteristic value storage platform according to the characteristic value transfer information;
acquiring verification information input by the target object aiming at the characteristic value transfer verification interface;
and responding to the matching of the verification information and the preset verification information corresponding to the target object, and transferring the target characteristic value to the characteristic value transferring object through the target characteristic value account.
In one possible implementation manner, the apparatus further includes a second acquisition unit and a second response unit:
the second acquisition unit is used for acquiring real identity information corresponding to the target object on the target characteristic value storage platform;
The second response unit is configured to execute the step of determining, according to the object identity information, whether a target feature value account corresponding to the target object exists in the target feature value storage platform in response to the matching of the object identity information and the real identity information.
In one possible implementation manner, the first eigenvalue transfer request is initiated by a first transaction platform, the target object is in a login state in the first transaction platform, and the object identity information is acquired by the first transaction platform.
In one possible implementation manner, the first transaction platform has a feature value transferring component, where the feature value transferring component is configured to provide a function of performing login-free feature value transferring in the target feature value storage platform to an object, and the first obtaining unit 701 is specifically configured to:
and responding to the target object with corresponding object registration information in the characteristic value transfer component, and acquiring a first characteristic value transfer request initiated by the target object and aiming at the target characteristic value storage platform through a platform interface corresponding to the target characteristic value storage platform.
In a possible implementation manner, the feature value transferring component has corresponding private key information, and the determining unit 702 is specifically configured to:
and responding to the private key information in the first eigenvalue transfer request, and determining whether a target eigenvalue account corresponding to the target object exists in the target eigenvalue storage platform according to the object identity information.
In a possible implementation manner, the apparatus further includes a third obtaining unit, a generating unit, a fourth obtaining unit, a third responding unit, and an executing unit:
the third obtaining unit is configured to obtain a second eigenvalue transfer request for the target eigenvalue storage platform, initiated by the target object through a second transaction platform, where the second transaction platform does not have the eigenvalue transfer component, and the second eigenvalue transfer request includes the eigenvalue transfer information and the object identity information;
the generating unit is used for generating and displaying a login verification interface to the target object;
the fourth obtaining unit is configured to obtain login information to be verified, which is input by the target object for the login verification interface;
the third response unit is used for changing the state of the target object in the target characteristic value storage platform into a login state in response to the fact that the login information to be verified is matched with the corresponding preset login information of the target object in the target characteristic value storage platform;
The executing unit is configured to execute the step of determining, according to the object identity information, whether a target feature value account corresponding to the target object exists in the target feature value storage platform.
The embodiment of the application also provides computer equipment, and the equipment is described below with reference to the accompanying drawings. Referring to fig. 8, an embodiment of the present application provides a device, which may also be a terminal device, where the terminal device may be any intelligent terminal including a mobile phone, a tablet computer, a personal digital assistant (Personal Digital Assistant, PDA for short), a Point of Sales (POS for short), a vehicle-mounted computer, and the like, and the terminal device is taken as an example of the mobile phone:
fig. 8 is a block diagram showing a part of the structure of a mobile phone related to a terminal device provided by an embodiment of the present application. Referring to fig. 8, the mobile phone includes: radio Frequency (RF) circuitry 710, memory 720, input unit 730, display unit 740, sensor 750, audio circuitry 760, wireless fidelity (Wireless Fidelity, wiFi) module 770, processor 780, and power supply 790. Those skilled in the art will appreciate that the handset configuration shown in fig. 8 is not limiting of the handset and may include more or fewer components than shown, or may combine certain components, or may be arranged in a different arrangement of components.
The following describes the components of the mobile phone in detail with reference to fig. 8:
the RF circuit 710 may be configured to receive and transmit signals during a message or a call, and specifically, receive downlink information of a base station and process the downlink information with the processor 780; in addition, the data of the design uplink is sent to the base station. Generally, RF circuitry 710 includes, but is not limited to, an antenna, at least one amplifier, a transceiver, a coupler, a low noise amplifier (Low Noise Amplifier, LNA for short), a duplexer, and the like. In addition, the RF circuitry 710 may also communicate with networks and other devices via wireless communications. The wireless communication may use any communication standard or protocol, including but not limited to global system for mobile communications (Global System of Mobile communication, GSM for short), general packet radio service (General Packet Radio Service, GPRS for short), code division multiple access (Code Division Multiple Access, CDMA for short), wideband code division multiple access (Wideband Code Division Multiple Access, WCDMA for short), long term evolution (Long Term Evolution, LTE for short), email, short message service (Short Messaging Service, SMS for short), and the like.
The memory 720 may be used to store software programs and modules, and the processor 780 performs various functional applications and data processing of the handset by running the software programs and modules stored in the memory 720. The memory 720 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, application programs required for at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data (such as audio data, phonebook, etc.) created according to the use of the handset, etc. In addition, memory 720 may include high-speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid-state storage device.
The input unit 730 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the handset. In particular, the input unit 730 may include a touch panel 731 and other input devices 732. The touch panel 731, also referred to as a touch screen, may collect touch operations thereon or thereabout by a user (e.g., operations of the user on or thereabout the touch panel 731 using any suitable object or accessory such as a finger, a stylus, etc.), and drive the corresponding connection device according to a predetermined program. Alternatively, the touch panel 731 may include two parts of a touch detection device and a touch controller. The touch detection device detects the touch azimuth of a user, detects a signal brought by touch operation and transmits the signal to the touch controller; the touch controller receives touch information from the touch detection device and converts it into touch point coordinates, which are then sent to the processor 780, and can receive commands from the processor 780 and execute them. In addition, the touch panel 731 may be implemented in various types such as resistive, capacitive, infrared, and surface acoustic wave. The input unit 730 may include other input devices 732 in addition to the touch panel 731. In particular, the other input devices 732 may include, but are not limited to, one or more of a physical keyboard, function keys (e.g., volume control keys, switch keys, etc.), a trackball, mouse, joystick, etc.
The display unit 740 may be used to display information input by a user or information provided to the user and various menus of the mobile phone. The display unit 740 may include a display panel 741, and optionally, the display panel 741 may be configured in the form of a liquid crystal display (Liquid Crystal Display, LCD) or an Organic Light-Emitting Diode (OLED) or the like. Further, the touch panel 731 may cover the display panel 741, and when the touch panel 731 detects a touch operation thereon or thereabout, the touch operation is transferred to the processor 780 to determine the type of touch event, and then the processor 780 provides a corresponding visual output on the display panel 741 according to the type of touch event. Although in fig. 8, the touch panel 731 and the display panel 741 are two separate components to implement the input and output functions of the mobile phone, in some embodiments, the touch panel 731 and the display panel 741 may be integrated to implement the input and output functions of the mobile phone.
The handset may also include at least one sensor 750, such as a light sensor, a motion sensor, and other sensors. Specifically, the light sensor may include an ambient light sensor and a proximity sensor, wherein the ambient light sensor may adjust the brightness of the display panel 741 according to the brightness of ambient light, and the proximity sensor may turn off the display panel 741 and/or the backlight when the mobile phone moves to the ear. As one of the motion sensors, the accelerometer sensor can detect the acceleration in all directions (generally three axes), and can detect the gravity and direction when stationary, and can be used for applications of recognizing the gesture of a mobile phone (such as horizontal and vertical screen switching, related games, magnetometer gesture calibration), vibration recognition related functions (such as pedometer and knocking), and the like; other sensors such as gyroscopes, barometers, hygrometers, thermometers, infrared sensors, etc. that may also be configured with the handset are not described in detail herein.
Audio circuitry 760, speaker 761, and microphone 762 may provide an audio interface between a user and a cell phone. The audio circuit 760 may transmit the received electrical signal converted from audio data to the speaker 761, and the electrical signal is converted into a sound signal by the speaker 761 to be output; on the other hand, microphone 762 converts the collected sound signals into electrical signals, which are received by audio circuit 760 and converted into audio data, which are processed by audio data output processor 780 for transmission to, for example, another cell phone via RF circuit 710 or for output to memory 720 for further processing.
WiFi belongs to a short-distance wireless transmission technology, and a mobile phone can help a user to send and receive emails, browse webpages, access streaming media and the like through a WiFi module 770, so that wireless broadband Internet access is provided for the user. Although fig. 8 shows a WiFi module 770, it is understood that it does not belong to the necessary constitution of the mobile phone, and can be omitted entirely as required within the scope of not changing the essence of the invention.
The processor 780 is a control center of the mobile phone, connects various parts of the entire mobile phone using various interfaces and lines, and performs various functions of the mobile phone and processes data by running or executing software programs and/or modules stored in the memory 720 and calling data stored in the memory 720, thereby performing overall detection of the mobile phone. Optionally, the processor 780 may include one or more processing units; preferably, the processor 780 may integrate an application processor that primarily processes operating systems, user interfaces, applications, etc., with a modem processor that primarily processes wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 780.
The handset further includes a power supply 790 (e.g., a battery) for powering the various components, which may preferably be logically connected to the processor 780 through a power management system, such as to provide for managing charging, discharging, and power consumption by the power management system.
Although not shown, the mobile phone may further include a camera, a bluetooth module, etc., which will not be described herein.
In this embodiment, the processor 780 included in the terminal device further has the following functions:
acquiring a first characteristic value transfer request initiated by a target object and aiming at a target characteristic value storage platform, wherein the first characteristic value transfer request comprises object identity information and characteristic value transfer information corresponding to the target object, the characteristic value transfer information is used for identifying a target characteristic value to be transferred and a characteristic value transfer object, and the target object is in an unregistered state on the target characteristic value storage platform;
determining whether a target characteristic value account corresponding to the target object exists in the target characteristic value storage platform according to the object identity information, wherein the target characteristic value account is used for storing the characteristic value of the target object;
and in response to the existence of the target characteristic value account, transferring the target characteristic value to the characteristic value transfer object through the target characteristic value account according to the characteristic value transfer information.
Referring to fig. 9, fig. 9 is a schematic diagram of a server 800 according to an embodiment of the present application, where the server 800 may have a relatively large difference due to different configurations or performances, and may include one or more central processing units (Central Processing Units, abbreviated as CPUs) 822 (e.g., one or more processors) and a memory 832, and one or more storage media 830 (e.g., one or more mass storage devices) storing application programs 842 or data 844. Wherein the memory 832 and the storage medium 830 may be transitory or persistent. The program stored in the storage medium 830 may include one or more modules (not shown), each of which may include a series of instruction operations on a server. Still further, the central processor 822 may be configured to communicate with the storage medium 830 to execute a series of instruction operations in the storage medium 830 on the server 800.
The Server 800 may also include one or more power supplies 826, one or more wired or wireless network interfaces 850, one or more input/output interfaces 858, and/or one or more operating systems 841, such as Windows Server TM ,Mac OS X TM ,Unix TM ,Linux TM ,FreeBSD TM Etc.
The steps performed by the server in the above embodiments may be based on the server structure shown in fig. 9.
The embodiments of the present application also provide a computer-readable storage medium storing a computer program for executing any one of the feature value transferring methods described in the foregoing embodiments.
According to one aspect of the present application, there is provided a computer program product or computer program comprising computer instructions stored in a computer readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device performs the feature value transfer method provided in the various alternative implementations of the above embodiments.
Those of ordinary skill in the art will appreciate that: all or part of the steps for implementing the above method embodiments may be implemented by hardware related to program instructions, where the above program may be stored in a computer readable storage medium, and when the program is executed, the program performs steps including the above method embodiments; and the aforementioned storage medium may be at least one of the following media: read-only memory (ROM), RAM, magnetic disk or optical disk, etc., which can store program codes.
It should be noted that, in the present specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment is mainly described in a different point from other embodiments. In particular, for the apparatus and system embodiments, since they are substantially similar to the method embodiments, the description is relatively simple, with reference to the description of the method embodiments in part. The apparatus and system embodiments described above are merely illustrative, in which elements illustrated as separate elements may or may not be physically separate, and elements shown as elements may or may not be physical elements, may be located in one place, or may be distributed over a plurality of network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art will understand and implement the present application without undue burden.
The foregoing is only one specific embodiment of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions easily contemplated by those skilled in the art within the technical scope of the present application should be included in the scope of the present application. Therefore, the protection scope of the present application should be subject to the protection scope of the claims.

Claims (11)

1. A method of eigenvalue transfer, characterized in that the method comprises:
acquiring a first characteristic value transfer request initiated by a target object and aiming at a target characteristic value storage platform, wherein the first characteristic value transfer request comprises object identity information and characteristic value transfer information corresponding to the target object, the characteristic value transfer information is used for identifying a target characteristic value to be transferred and a characteristic value transfer object, and the target object is in an unregistered state on the target characteristic value storage platform;
determining whether a target characteristic value account corresponding to the target object exists in the target characteristic value storage platform according to the object identity information, wherein the target characteristic value account is used for storing the characteristic value of the target object;
and in response to the existence of the target characteristic value account, transferring the target characteristic value to the characteristic value transfer object through the target characteristic value account according to the characteristic value transfer information.
2. The method of claim 1, wherein transferring the target feature value to the feature value transfer object through the target feature value account according to the feature value transfer information comprises:
Generating a characteristic value transfer verification interface of the target characteristic value storage platform according to the characteristic value transfer information;
acquiring verification information input by the target object aiming at the characteristic value transfer verification interface;
and responding to the matching of the verification information and the preset verification information corresponding to the target object, and transferring the target characteristic value to the characteristic value transferring object through the target characteristic value account.
3. The method according to claim 1, wherein the method further comprises:
acquiring real identity information corresponding to a target object in the target characteristic value storage platform;
and responding to the matching of the object identity information and the real identity information, and executing the step of determining whether a target characteristic value account corresponding to the target object exists on the target characteristic value storage platform according to the object identity information.
4. The method of claim 1, wherein the first eigenvalue transfer request is initiated by a first transaction platform, the target object is in a login state in the first transaction platform, and the object identity information is acquired by the first transaction platform.
5. The method of claim 4, wherein the first transaction platform has a feature value transfer component for providing the object with a feature value transfer-free function in the target feature value storage platform, the obtaining a first feature value transfer request initiated by the target object for the target feature value storage platform, comprising:
and responding to the target object with corresponding object registration information in the characteristic value transfer component, and acquiring a first characteristic value transfer request initiated by the target object and aiming at the target characteristic value storage platform through a platform interface corresponding to the target characteristic value storage platform.
6. The method of claim 5, wherein the feature value transferring component has corresponding private key information, and the determining whether the target feature value storage platform has the target feature value account corresponding to the target object according to the object identity information comprises:
and responding to the private key information in the first eigenvalue transfer request, and determining whether a target eigenvalue account corresponding to the target object exists in the target eigenvalue storage platform according to the object identity information.
7. The method of claim 5, wherein the method further comprises:
acquiring a second characteristic value transfer request, initiated by the target object through a second transaction platform, aiming at the target characteristic value storage platform, wherein the second transaction platform does not have the characteristic value transfer component, and the second characteristic value transfer request comprises the characteristic value transfer information and the object identity information;
generating and displaying a login verification interface to the target object;
acquiring login information to be verified, which is input by the target object aiming at the login verification interface;
responding to the matching of the login information to be verified and the corresponding preset login information of the target object in the target characteristic value storage platform, and changing the state of the target object in the target characteristic value storage platform into a login state;
and executing the step of determining whether the target characteristic value account corresponding to the target object exists in the target characteristic value storage platform according to the object identity information.
8. A feature value transfer apparatus, characterized in that the apparatus comprises a first acquisition unit, a determination unit, and a first response unit:
the first obtaining unit is configured to obtain a first feature value transfer request initiated by a target object and directed against a target feature value storage platform, where the first feature value transfer request includes object identity information and feature value transfer information corresponding to the target object, where the feature value transfer information is used to identify a target feature value to be transferred and a feature value transfer object, and the target object is in an unregistered state on the target feature value storage platform;
The determining unit is used for determining whether a target characteristic value account corresponding to the target object exists in the target characteristic value storage platform according to the object identity information, and the target characteristic value account is used for storing the characteristic value of the target object;
the first response unit is used for responding to the existence of the target characteristic value account and transferring the target characteristic value to the characteristic value transferring object through the target characteristic value account according to the characteristic value transferring information.
9. A computer device, the device comprising a processor and a memory:
the memory is used for storing program codes and transmitting the program codes to the processor;
the processor is configured to perform the eigenvalue transfer method of any of claims 1-7 according to instructions in the program code.
10. A computer-readable storage medium storing a computer program for executing the characteristic value transfer method according to any one of claims 1 to 7.
11. A computer program product comprising instructions which, when run on a computer, cause the computer to perform the eigenvalue transfer method of any of claims 1-7.
CN202210445916.2A 2022-04-26 2022-04-26 Characteristic value transfer method and related device Pending CN116993333A (en)

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Application Number Priority Date Filing Date Title
CN202210445916.2A CN116993333A (en) 2022-04-26 2022-04-26 Characteristic value transfer method and related device

Publications (1)

Publication Number Publication Date
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