CN117372001A - Resource transfer method, apparatus, device, storage medium, and program product - Google Patents

Resource transfer method, apparatus, device, storage medium, and program product Download PDF

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Publication number
CN117372001A
CN117372001A CN202311190415.5A CN202311190415A CN117372001A CN 117372001 A CN117372001 A CN 117372001A CN 202311190415 A CN202311190415 A CN 202311190415A CN 117372001 A CN117372001 A CN 117372001A
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China
Prior art keywords
resource transfer
target user
information
confirmation
handling
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CN202311190415.5A
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Chinese (zh)
Inventor
李荣荣
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Bank of China Ltd
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Bank of China Ltd
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Priority to CN202311190415.5A priority Critical patent/CN117372001A/en
Publication of CN117372001A publication Critical patent/CN117372001A/en
Pending legal-status Critical Current

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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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash

Abstract

The application relates to a resource transfer method, a device, equipment, a storage medium and a program product, and relates to the technical field of finance, wherein the method comprises the following steps: responding to a resource transfer handling request of a target user, acquiring resource transfer information of the target user, and carrying out handling confirmation of resource transfer by sending a rich media message to a short message window of terminal equipment of the target user according to the resource transfer information; and under the condition of confirming the handling, handling the resource transfer to the target user according to the resource transfer information, and storing the resource transfer related record data of the target user into the blockchain. The method can improve the traceability of the resources in the resource transfer.

Description

Resource transfer method, apparatus, device, storage medium, and program product
Technical Field
The present application relates to the field of financial technology, and in particular, to a resource transfer method, apparatus, device, storage medium, and program product.
Background
With the continuous development of internet technology, resource transfer has more and more use scenes.
In the related art, taking a banking scene as an example, when a user handles resource transfer at an offline website of a bank, the user provides a resource transfer amount and an account of a transfer party for a staff of the bank, and the staff of the bank directly transfers the resource to the account of the transfer party according to the resource transfer amount provided by the user.
However, the resource transfer method in the related art has a problem that the resources are difficult to trace.
Disclosure of Invention
In view of the foregoing, it is desirable to provide a resource migration method, apparatus, device, storage medium, and program product that can improve traceability of resources in resource migration.
In a first aspect, the present application provides a resource transfer method, including:
responding to a resource transfer handling request of a target user, and acquiring resource transfer information of the target user;
according to the resource transfer information, performing handling confirmation of resource transfer by sending rich media information to a short message window of terminal equipment of a target user;
and under the condition of confirming the handling, handling the resource transfer to the target user according to the resource transfer information, and storing the resource transfer related record data of the target user into the blockchain.
In one embodiment, obtaining the resource transfer information of the target user includes:
acquiring user information of a target user, user information of a resource transfer party and resource transfer quantity;
and determining the resource transfer information of the target user according to the user information of the target user, the user information of the resource transfer party and the resource transfer quantity.
In one embodiment, according to the resource transfer information, the handling confirmation of the resource transfer by sending the rich media message to the short message window of the terminal device of the target user includes:
generating a resource transfer voucher according to the resource transfer information;
performing identity verification on the target user according to the resource transfer certificate;
and under the condition that the identity verification of the target user is passed, sending a confirmation handling request to a short message window of the terminal equipment of the target user in a rich media message, wherein the confirmation handling request is used for indicating the target user to carry out handling confirmation of resource transfer.
In one embodiment, authenticating the target user based on the resource transfer credential includes:
based on the communication number of the target user, sending the resource transfer certificate to a short message window of the terminal equipment by using a rich media message; the resource transfer certificate is used for indicating the terminal equipment to collect the face image of the target user;
receiving a face image of a target user sent by terminal equipment;
and carrying out identity authentication on the target user according to the face image of the target user.
In one embodiment, the method further comprises:
receiving confirmation information returned by the terminal equipment under the condition that the target user confirms to transact resource transfer;
And determining the handling confirmation result of the target user on the resource transfer according to the sending time of sending the confirmation handling request to the terminal equipment and the receiving time of receiving the confirmation information returned by the terminal equipment.
In one embodiment, determining a transaction confirmation result of the target user for the resource transfer according to a sending time of sending a confirmation transaction request to the terminal device and a receiving time of receiving confirmation information sent by the terminal device includes:
determining the confirmation time length of the resource transfer according to the sending time and the receiving time;
if the confirmation time is within the preset check time, confirming the transaction by the target user as a transaction confirmation result;
if the confirmation time is not within the check time, the transaction confirmation result is that the target user confirms that the transaction is not performed.
In one embodiment, transacting resource transfer to a target user according to the resource transfer information, including:
and sending the resource transfer information to a resource transfer server to instruct the resource transfer server to transact resource transfer for the target user according to the resource transfer information.
In one embodiment, the method further comprises:
receiving a resource transfer transaction completion message returned by the resource transfer server;
And sending a transaction success message to the terminal equipment to indicate successful transaction of the resource transfer of the target user.
In a second aspect, the present application further provides a resource transfer device, including:
the acquisition module is used for responding to the resource transfer handling request of the target user and acquiring the resource transfer information of the target user;
the confirmation module is used for carrying out handling confirmation of the resource transfer by sending the rich media message to a short message window of the terminal equipment of the target user according to the resource transfer information;
and the handling module is used for handling the resource transfer to the target user according to the resource transfer information under the condition of confirming handling, and storing the resource transfer related record data of the target user into the blockchain.
In a third aspect, embodiments of the present application provide a computer device comprising a memory and a processor, the memory storing a computer program, the processor implementing the steps of the method provided by any of the embodiments of the first aspect described above when the computer program is executed.
In a fourth aspect, embodiments of the present application provide a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the method provided by any of the embodiments of the first aspect described above.
In a fifth aspect, embodiments of the present application also provide a computer program product comprising a computer program which, when executed by a processor, implements the steps of the method provided by any of the embodiments of the first aspect described above.
The resource transfer method, the device, the equipment, the storage medium and the program product respond to the resource transfer handling request of the target user, acquire the resource transfer information of the target user, send the rich media message to the short message window of the terminal equipment of the target user to carry out handling confirmation of the resource transfer according to the resource transfer information, and then handle the resource transfer to the target user according to the resource transfer information and store the resource transfer related record data of the target user into the blockchain under the condition of confirming handling. In the method, the rich media message is sent to the terminal equipment of the target user, and the handling confirmation of the resource transfer of the target user is carried out through the rich media message, so that the flow is simple, and the speed of the resource transfer is improved; and the resource transfer related record data of the target user are stored in the blockchain, and the blockchain technology is used, so that the resource transfer of the target user has traceability and transparency, the resource transfer of the target user can be traced through the resource transfer information of the target user, and the resource transfer of the target user can be traced.
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 chart of a method of transferring resources according to another embodiment;
FIG. 5 is a flow chart of a method of transferring resources according to another embodiment;
FIG. 6 is a flow chart of a method of transferring resources according to another embodiment;
FIG. 7 is a flow chart of a method of transferring resources according to another embodiment;
FIG. 8 is a flow chart of a method of transferring resources according to another embodiment;
FIG. 9 is a flow chart of a method of transferring resources according to another embodiment;
FIG. 10 is a block diagram of a resource transfer device in one embodiment;
FIG. 11 is an internal block diagram of a computer device in one embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail with reference to the accompanying drawings and examples. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the present application.
The resource transfer method provided by the embodiment of the application can be applied to an application environment shown in fig. 1. Wherein the terminal device 102 communicates with the server 104 via a network. The data storage system may store data that the server 104 needs to process. The data storage system may be integrated on the server 104 or may be located on a cloud or other network server. The terminal device 102 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, internet of things devices, and portable wearable devices, where the internet of things devices may be smart speakers, smart televisions, smart air conditioners, smart vehicle devices, and the like. The portable wearable device may be a smart watch, smart bracelet, headset, 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 server in fig. 1 for illustration, and includes the following steps:
s201, responding to a resource transfer handling request of a target user, and acquiring resource transfer information of the target user.
The server can acquire the resource transfer information of the target user when the target user needs to handle the resource transfer. Where the resource may include a substance resource, a human resource, a technology resource, a knowledge resource, etc., the resource transfer may be a transfer of a resource from one place or an entity to another place or another entity.
When the target user needs to handle the resource transfer, a resource transfer handling request can be generated, and after the server responds to the resource transfer handling request of the target user, the server acquires the resource transfer information of the target user. The resource transfer information may include information of the target user, information of the resource transfer party, a resource transfer amount, a resource transfer reason, and the like.
Taking a book returning scene to a bookstore as an example, the resource is a book, and when a target user needs to return a borrowed book to the bookstore, a server of the bookstore can respond to a resource transfer handling request of the target user, and the server acquires resource transfer information of the target user. Wherein the resource transfer transaction request may represent a book return request of the target user.
Thus, in one embodiment, as shown in FIG. 3, obtaining resource transfer information of a target user includes the steps of:
s301, obtaining user information of a target user, user information of a resource transfer party and resource transfer quantity.
The user information of the target user, the user information of the resource transfer party and the resource transfer quantity can be acquired from the target user, and the user information of the target user, the user information of the resource transfer party and the resource transfer quantity are input into the front-end page on the server, so that the user information, the user information of the resource transfer party and the resource transfer quantity can be directly acquired from the front-end page of the server.
Wherein the user information of the target user may include identity information of the target user, such as a communication number, a name, an address, etc.; the resource transfer party is a resource receiving party for transferring the resources of the target user, and the user information of the resource transfer party can comprise identity information, addresses and the like of the resource transfer party; the amount of resource transfer may represent the amount of resources that the target user needs to transfer to the resource transfer party.
S302, determining the resource transfer information of the target user according to the user information of the target user, the user information of the resource transfer party and the resource transfer quantity.
The resource transfer information may be information that needs to be included in handling resource transfer for the target user.
The resource transfer information of the target user can be generated according to the user information of the target user, the user information of the resource transfer party and the resource transfer quantity, and the resource transfer information is a list comprising the user information of the target user, the user information of the resource transfer party and the resource transfer quantity.
Alternatively, the user information of the target user, the user information of the resource transfer party, and the resource transfer amount may also be directly determined as the resource transfer information of the target user.
Alternatively, the resource transfer information may include a reason for the target user to transfer the resource, and the like. It should be noted that, the content specifically included in the resource transfer information of the target user may be set according to a specific scenario.
S202, according to the resource transfer information, the rich media information is sent to a short message window of the terminal equipment of the target user to conduct handling confirmation of the resource transfer.
The rich media message may be a 5G message, and the rich media message includes multiple types of messages, such as text, picture, voice, video, and other multiple media forms.
The resource transfer information can be sent to a short message window of the terminal equipment of the target user, and the resource transfer information is used for handling confirmation of the resource transfer of the target user.
Specifically, the server sends the resource transfer information to a short message window of the terminal equipment of the target user, after the terminal equipment of the target user receives the resource transfer information, a user page of the terminal equipment can pop up a confirmation window whether to transact the resource transfer, and the confirmation comprises whether the resource transfer information is wrong or not and whether to transact the resource transfer information or not; the target user can confirm the handling of the resource transfer at the terminal device. For example, the target user may send a confirmation message such as "confirm transacted" or "confirm not transacted" to the server through the short message window of the terminal device.
Optionally, when the target user views the resource transfer information through the terminal device, the resource transfer information may be opened within a preset position range, that is, if the terminal device of the target user is not within the preset position range, the terminal device of the target user cannot open the resource transfer information.
For example, the terminal device acquires its own position, and the resource transfer information determines whether to normally display the content of the resource transfer information in response to the position information of the terminal device.
And S203, when the handling is confirmed, handling the resource transfer to the target user according to the resource transfer information, and storing the resource transfer related record data of the target user into the blockchain.
When confirming that the target user handles the resource transfer, the server may handle the resource transfer information for the target user according to the resource transfer information, for example, transfer the resource corresponding to the resource transfer amount into the account of the resource transfer party.
And, the resource transfer related record data in the whole process of the target user handling the resource transfer is stored in the blockchain, including, from the generation of the resource transfer information of the target user to the handling of the resource transfer to the target user according to the resource transfer information, the related record data involved in the process of handling the resource transfer is stored in the blockchain.
In the resource transfer method provided by the embodiment of the application, the resource transfer information of the target user is obtained in response to the resource transfer handling request of the target user, and the handling confirmation of the resource transfer is performed by sending the rich media message to the short message window of the terminal equipment of the target user according to the resource transfer information, and then the resource transfer is handled for the target user according to the resource transfer information under the condition of confirming the handling, and the resource transfer related record data of the target user is stored in the blockchain. In the method, the rich media message is sent to the terminal equipment of the target user, and the handling confirmation of the resource transfer of the target user is carried out through the rich media message, so that the flow is simple, and the speed of the resource transfer is improved; and the resource transfer related record data of the target user are stored in the blockchain, and the blockchain technology is used, so that the resource transfer of the target user has traceability and transparency, the resource transfer of the target user can be traced through the resource transfer information of the target user, and the resource transfer of the target user can be traced.
In one embodiment, as shown in fig. 4, according to the resource transfer information, the handling confirmation of the resource transfer is performed by sending the rich media message to the short message window of the terminal device of the target user, which includes the following steps:
s401, generating a resource transfer certificate according to the resource transfer information.
Wherein the resource transfer credential is a file or certificate that is used to record and confirm the transfer process of the resource. It can be used to track and manage the flow of resources, ensuring the legitimacy and transparency of the resources. And because the whole resource transfer process of the target user is recorded in the blockchain, the target user can inquire the resource transfer in the blockchain through the resource transfer certificate, and inquire through the resource transfer certificate, so that a resource transfer party can trace back the resource transfer.
Optionally, related information in the certificate can be generated according to the preset certificate template and the resource transfer information and filled into the certificate template to obtain the resource transfer certificate of the target user. And filling in the related information of the resource transfer certificate through a preset certificate template, so as to ensure the accuracy and the integrity of the resource transfer certificate.
S402, carrying out identity verification on the target user according to the resource transfer certificate.
The method for carrying out identity verification on the target user according to the resource transfer certificate can be to compare the identity information provided by the target user with the information on the certificate, so as to ensure consistency and accuracy.
In one embodiment, as shown in FIG. 5, the authentication of the target user based on the resource transfer credential includes the steps of:
s501, based on the communication number of the target user, sending the resource transfer certificate to a short message window of the terminal equipment by a rich media message; the resource transfer certificate is used for indicating the terminal equipment to collect the face image of the target user.
The communication number of the target user may be a mobile phone number in the terminal device of the target user.
And sending the resource transfer certificate to a short message window of the terminal equipment in the form of a rich media message according to the communication number of the target user, wherein the resource transfer certificate is used for indicating the terminal equipment to collect the face image of the target user.
Specifically, the server sends the resource transfer certificate to a short message window of a terminal device of the target user through a 5G message according to the communication number of the target user, and the target user pops up an identity prompt for verifying the target user when the terminal device views the resource transfer certificate so as to instruct the terminal device to collect a face image of the target user and send the collected face image to the server.
Optionally, when the target user views the received 5G message at the terminal device, the target user may view the received 5G message at a preset fixed point location.
S502, receiving a face image of a target user sent by the terminal equipment.
S503, carrying out identity verification on the target user according to the face image of the target user.
The server receives the face image of the target user sent by the terminal equipment, and performs identity verification on the target user according to the face image of the target user.
In one embodiment, authenticating the target user based on the face image of the target user includes: acquiring a standard face image of a target user, which is pre-stored in a database of a server; under the condition that the face image of the target user is consistent with the standard face image, determining that the identity verification of the target user is passed; and under the condition that the face image of the target user is inconsistent with the standard face image, determining that the identity verification of the target user is not passed.
Detecting whether the face image of the target user is consistent with the standard face image through a preset face recognition model, specifically, inputting the face image of the target user and the standard face image sent by the terminal equipment into the face recognition model, analyzing the face image of the target user and the standard face image through the face recognition model, and outputting a recognition result. The recognition result comprises that the face image of the target user is consistent with the standard face image or the face image of the target user is inconsistent with the standard face image.
Under the condition that the face image of the target user is consistent with the standard face image, determining that the identity verification of the target user is passed; and under the condition that the face image of the target user is inconsistent with the standard face image, determining that the identity verification of the target user is not passed.
S403, sending a confirmation handling request to a short message window of a terminal device of the target user in a rich media message when the identity verification of the target user is passed, wherein the confirmation handling request is used for indicating the target user to carry out handling confirmation of resource transfer.
Under the condition that the identity verification of the target user is passed, a confirmation handling request is sent to a short message window of terminal equipment of the target user through a rich media message; the confirmation handling request may include a text such as "please confirm whether to handle the resource transfer service", for example, the server sends a text such as "please confirm whether to handle the resource transfer service" to the short message window of the terminal device of the target user in a 5G message based on the communication number of the target user when determining that the identity verification of the target user is passed.
After receiving the confirmation handling request, the terminal equipment can return confirmation information for handling resource transfer through the terminal equipment; wherein, the confirmation information is used for indicating that the target user confirms that the resource transfer can be handled.
In the case that the authentication of the target user fails, the server may send a prompt message of "authentication failed" to the terminal device of the target user.
In the resource transfer method provided by the embodiment of the application, the resource transfer certificate is generated according to the resource transfer information, the identity of the target user is verified according to the resource transfer certificate, and under the condition that the identity of the target user passes, a confirmation handling request is sent to a short message window of the terminal equipment of the target user in a rich media message, and the confirmation handling request is used for indicating the target user to handle and confirm the resource transfer. In the method, the identity of the target user is verified by generating the resource transfer certificate, and the target user is confirmed to be transacted in the resource transfer process under the condition that the identity verification of the target user is successful, so that the safety and the accuracy of the resource transfer of the target user are improved.
In one embodiment, as shown in FIG. 6, the embodiment includes the steps of:
s601, receiving confirmation information returned by the terminal equipment when the terminal equipment confirms that the resource transfer is handled.
And under the condition that the target user confirms to handle the resource transfer, the target user sends confirmation information for confirming to handle the resource transfer to the server through a short message window of the terminal equipment, and the server receives the confirmation information returned by the terminal equipment.
S602, determining the handling confirmation result of the target user on the resource transfer according to the sending time of sending the confirmation handling request to the terminal equipment and the receiving time of receiving the confirmation information returned by the terminal equipment.
The sending time refers to the moment when the server sends a confirmation handling request to the terminal equipment, and the receiving time refers to the moment when the server receives confirmation information.
And the server checks whether the resource transfer is in the validity period according to the sending time of sending the confirmation handling request to the terminal equipment and the receiving time of receiving the confirmation information returned by the terminal equipment, and determines the handling confirmation result of the target user on the resource transfer according to whether the resource transfer is in the validity period.
In one embodiment, as shown in fig. 7, determining a transaction confirmation result of the target user for the resource transfer according to a transmission time of transmitting a confirmation transaction request to the terminal device and a reception time of receiving confirmation information transmitted by the terminal device, includes the steps of:
s701, determining the confirmation time length of the resource transfer according to the sending time and the receiving time.
The confirmation time length indicates a time length in which the target user receives a confirmation transaction request and transmits confirmation information, and a time difference between the transmission time and the reception time can be determined as a confirmation time length of the resource transfer.
S702, if the confirmation time is within the preset check time, the transaction confirmation result is that the target user confirms the transaction.
Wherein the check duration represents the time that the user is allowed to confirm.
If the confirmation time of the target user for the resource transfer is within the preset check time, the target user confirms the handling of the resource transfer within the preset check time, and the handling confirmation result of the target user for the resource transfer is the confirmation of the target user for handling the resource transfer.
S703, if the confirmation time is not within the verification time, the transaction confirmation result is that the target user confirms not to be transacted.
If the confirmation time of the target user for the resource transfer is not within the check time, namely the confirmation time of the target user for the resource transfer exceeds the check time, the target user does not confirm to handle the resource transfer within the preset check time, and the result of the transaction confirmation of the target user for the resource transfer is that the target user confirms not to handle the resource transfer.
In the resource transfer method provided by the embodiment of the application, when the terminal equipment confirms that the resource transfer is handled, the confirmation information returned by the terminal equipment is received, and the handling confirmation result of the target user on the resource transfer is determined according to the sending time of the confirmation handling request sent to the terminal equipment and the receiving time of the confirmation information sent by the receiving terminal equipment. In the method, the validity period is judged by the confirmation time of the target user, so that the instantaneity and the accuracy of resource transfer are improved.
In one embodiment, transacting resource transfer to a target user based on resource transfer information, comprising: and sending the resource transfer information to a resource transfer server to instruct the resource transfer server to transact resource transfer for the target user according to the resource transfer information.
And under the condition that the target user confirms to handle the resource transfer, the server can send the resource transfer information of the target user to the resource transfer server, and the resource transfer server handles the resource transfer for the target user according to the received resource transfer information.
After the resource transfer server has completed transferring the resources of the target user, a message of the completion of the resource transfer may also be sent to the server, which will be described in detail below by an embodiment, which, as shown in fig. 8, includes the following steps:
s801, receiving a resource transfer transaction completion message returned by the resource transfer server.
Wherein the resource transfer completion message indicates that the resource transfer server has completed the transfer of the resource of the target user.
After the resource transfer server processes the resource transfer of the target user, a resource transfer processing completion message is returned to the server, and the server receives the resource transfer processing completion message returned by the resource transfer server.
S802, a transaction success message is sent to the terminal equipment to indicate successful transaction of the resource transfer of the target user.
After receiving the resource transfer processing completion message, the server generates a processing success message, wherein the processing success message indicates that the resource transfer processing of the target user is successful, and sends the processing success message to the terminal device.
In the resource transfer method provided by the embodiment of the application, the resource transfer processing completion message returned by the resource transfer server is received, and then the processing success message is sent to the terminal equipment so as to indicate that the resource transfer of the target user is processed successfully. In the method, under the condition that the resource transfer is completed, a message of the completion of the transaction is sent to the terminal equipment, so that a target user can quickly determine the transaction progress of the resource transfer, and the resource transfer progress can be monitored conveniently in real time.
In one embodiment, the embodiment of the application further comprises a resource transfer system, wherein the system comprises a service message generation module, a user information verification module, a resource transfer handling module and a resource transfer record query module.
And the service message generating module is used for generating resource transfer information and resource transfer certificates of corresponding services according to the resource transfer handling process of the target user, and sending the resource transfer certificates to the corresponding terminal equipment in the form of 5G messages according to the communication number of the user. The 5G message acquires the current position of the terminal equipment of the user, opens the 5G message at a fixed point position, and instructs the user to acquire a face image.
And the user information verification module is used for receiving the face image of the user, carrying out identity verification according to the face image of the user, and confirming whether to transact resource transfer or not to the user after the identity verification is successful.
And obtaining the confirmation time of the target user for the resource transfer according to the sending time of the confirmation handling request sent to the terminal equipment and the receiving time of the confirmation information returned by the receiving terminal equipment, and entering a resource transfer handling module if the confirmation time is within the preset validity period.
And the resource transfer handling module is used for sending the resource transfer information of the user to the resource transfer server so as to instruct the resource transfer server to handle the resource transfer according to the resource transfer information.
Wherein, the record data related to the resource transfer of the user is added into the blockchain.
And the resource transfer record inquiry module is used for carrying out record inquiry on the blockchain according to any personal information when any one of the two transfer parties of the resource transfer service has objection to the resource transfer condition.
In an embodiment, the embodiment of the present application further provides a resource transfer method, as shown in fig. 9, where the embodiment includes the following steps:
s901, a server responds to a resource transfer service of a user and generates resource transfer information of the user according to the resource transfer service of the user.
S902, the server sends the resource transfer information to a short message window of the terminal equipment of the user in the form of a 5G message according to the mobile phone number of the user.
The resource transfer information is the resource transfer certificate.
S903, the terminal device checks the resource transfer information sent by the server through the short message window in a preset position.
The resource transfer information is used for indicating the terminal equipment to collect face images of the user and sending the face images to the server.
S904, the server receives the face image sent by the terminal equipment and verifies the identity of the user according to the face image and the face image of the identity document of the user.
S905, after the user identity verification is passed, the server sends a confirmation handling request for whether to handle the resource transfer service to the terminal equipment.
The confirmation handling request is used for indicating the user to handle and confirm the resource transfer service.
S906, the server receives confirmation information of confirming handling the resource transfer service input by the user through the terminal equipment.
S907, the server determines whether the resource transfer service is within the effective period according to the sending time of the sending confirmation handling request and the receiving time of the receiving confirmation information.
S908, if the resource transfer service is in the validity period, the server sends the resource transfer information to the resource transfer server to instruct the resource transfer server to transact the resource transfer service according to the resource transfer information, and returns an identification of successful transacting the resource transfer service to the server.
S909, after receiving the identification of successful business handling sent by the resource transfer server, the server forwards the identification of successful business handling to the terminal equipment.
The whole process of the resource transfer service handled by the user is recorded in the blockchain, and the user can inquire the resource transfer service according to the resource transfer certificate.
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 resource transfer method. The implementation of the solution provided by the device is similar to the implementation described in the above method, so the specific limitation of one or more embodiments of the resource transfer device provided below may be referred to the limitation of the resource transfer method hereinabove, and will not be repeated here.
In one embodiment, as shown in fig. 10, there is provided a resource transfer device 1000 comprising: an acquisition module 1001, a confirmation module 1002, and a transaction module 1003, wherein:
an obtaining module 1001, configured to obtain resource transfer information of a target user in response to a resource transfer handling request of the target user;
a confirmation module 1002, configured to perform a transaction confirmation of resource transfer by sending a rich media message to a short message window of a terminal device of a target user according to the resource transfer information;
and a transacting module 1003, configured to transact resource transfer to the target user according to the resource transfer information and store the resource transfer related record data of the target user in the blockchain when transacting is confirmed.
In one embodiment, the acquisition module 1001 includes:
the acquisition unit is used for acquiring the user information of the target user, the user information of the resource transfer party and the resource transfer quantity;
and the first determining unit is used for determining the resource transfer information of the target user according to the user information of the target user, the user information of the resource transfer party and the resource transfer quantity.
In one embodiment, the validation module 1002 includes:
the generation unit is used for generating a resource transfer certificate according to the resource transfer information;
the identity verification unit is used for carrying out identity verification on the target user according to the resource transfer certificate;
and the confirmation unit is used for sending a confirmation handling request to the short message window of the terminal equipment of the target user in a rich media message under the condition that the identity verification of the target user is passed, wherein the confirmation handling request is used for indicating the target user to carry out handling confirmation of resource transfer.
In one embodiment, the authentication unit comprises:
a sending subunit, configured to send the resource transfer credential to the short message window of the terminal device with a rich media message based on the communication number of the target user; the resource transfer certificate is used for indicating the terminal equipment to collect the face image of the target user;
A receiving subunit, configured to receive a face image of a target user sent by a terminal device;
and the verification subunit is used for carrying out identity verification on the target user according to the face image of the target user.
In one embodiment, the apparatus 1000 further comprises:
the first receiving module is used for receiving confirmation information returned by the terminal equipment under the condition that the target user confirms to transact resource transfer;
and the determining module is used for determining the handling confirmation result of the target user on the resource transfer according to the sending time of the confirmation handling request sent to the terminal equipment and the receiving time of the confirmation information returned by the receiving terminal equipment.
In one embodiment, the determining module includes:
a second determining unit, configured to determine a confirmation duration of the resource transfer according to the sending time and the receiving time;
the first judging unit is used for confirming the transaction for the target user if the confirmation time is within the preset check time;
and the second judging unit is used for checking whether the check duration is within the check duration or not if the check duration is not within the check duration, and checking whether the check result is the target user is checked.
In one embodiment, the transaction module 1003 includes:
and the handling unit is used for sending the resource transfer information to the resource transfer server so as to instruct the resource transfer server to handle the resource transfer to the target user according to the resource transfer information.
In one embodiment, the apparatus 1000 further comprises:
the second receiving module is used for receiving the resource transfer transaction completion message returned by the resource transfer server;
and the sending module is used for sending a transaction success message to the terminal equipment so as to indicate successful transaction of the resource transfer of the target user.
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 may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.
In one embodiment, a computer device is provided, which may be a server, and the internal structure of which may be as shown in fig. 11. The computer device includes a processor, a memory, an Input/Output interface (I/O) and a communication interface. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface is connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is for storing resource transfer data. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a resource transfer method.
It will be appreciated by those skilled in the art that the structure shown in fig. 11 is merely a block diagram of a portion of the structure associated with the present application and is not limiting of the computer device to which the present application applies, and that a particular computer device may include more or fewer components than shown, or may combine some of the components, or have a different arrangement of components.
In an embodiment, there is also provided a computer device comprising a memory and a processor, the memory having stored therein a computer program, the processor implementing the steps of the method embodiments described above when the computer program is executed.
The implementation principle and technical effect of each step implemented by the processor in the embodiment of the present application are similar to those of the above-mentioned resource transfer method, and are not described herein again.
In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored which, when executed by a processor, carries out the steps of the method embodiments described above.
The steps implemented when the computer program is executed by the processor in the embodiment of the present application implement principles and technical effects similar to those of the above-described resource transfer method, and are not described herein again.
In an embodiment, a computer program product is provided, comprising a computer program which, when executed by a processor, implements the steps of the method embodiments described above.
The steps implemented when the computer program is executed by the processor in the embodiment of the present application implement principles and technical effects similar to those of the above-described resource transfer method, and are not described herein again.
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.) referred to in 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 are required to comply with the related laws and regulations and standards of the related countries and regions.
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 the various 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 various embodiments provided herein may include at least one of relational databases and non-relational databases. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic units, quantum computing-based data processing logic units, etc., without being 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 above examples only represent a few embodiments of the present application, which are described in more detail and are not to be construed as limiting the scope of the present application. It should be noted that it would be apparent to those skilled in the art that various modifications and improvements could be made without departing from the spirit of the present application, which would be within the scope of the present application. Accordingly, the scope of protection of the present application shall be subject to the appended claims.

Claims (12)

1. A method of resource transfer, the method comprising:
responding to a resource transfer handling request of a target user, and acquiring resource transfer information of the target user;
according to the resource transfer information, performing handling confirmation of resource transfer by sending rich media information to a short message window of terminal equipment of the target user;
and under the condition of confirming the handling, handling the resource transfer to the target user according to the resource transfer information, and storing the resource transfer related record data of the target user into a blockchain.
2. The method of claim 1, wherein the obtaining the resource transfer information of the target user comprises:
acquiring user information of the target user, user information of a resource transfer party and the resource transfer quantity;
and determining the resource transfer information of the target user according to the user information of the target user, the user information of the resource transfer party and the resource transfer quantity.
3. The method according to claim 1 or 2, wherein the performing the transaction confirmation of the resource transfer by sending a rich media message to the short message window of the terminal device of the target user according to the resource transfer information comprises:
generating a resource transfer credential according to the resource transfer information;
performing identity verification on the target user according to the resource transfer certificate;
and under the condition that the identity verification of the target user is passed, sending a confirmation handling request to a short message window of terminal equipment of the target user by the rich media message, wherein the confirmation handling request is used for indicating the target user to carry out handling confirmation of the resource transfer.
4. A method according to claim 3, wherein said authenticating said target user in accordance with said resource transfer credential comprises:
Based on the communication number of the target user, sending the resource transfer certificate to a short message window of the terminal equipment by the rich media message; the resource transfer certificate is used for indicating the terminal equipment to collect face images of the target user;
receiving a face image of the target user sent by the terminal equipment;
and carrying out identity verification on the target user according to the face image of the target user.
5. A method according to claim 3, characterized in that the method further comprises:
receiving confirmation information returned by the terminal equipment under the condition that the target user confirms to transact the resource transfer;
and determining the handling confirmation result of the target user for the resource transfer according to the sending time of the confirmation handling request sent to the terminal equipment and the receiving time of the confirmation information returned by the terminal equipment.
6. The method according to claim 5, wherein the determining the result of the transaction confirmation of the target user for the resource transfer based on the transmission time of the confirmation transaction request to the terminal device and the reception time of the confirmation information transmitted by the terminal device, comprises:
Determining the confirmation duration of the resource transfer according to the sending time and the receiving time;
if the confirmation time is within the preset check time, the transaction confirmation result is that the target user confirms the transaction;
and if the confirmation time is not within the check time, the transaction confirmation result is that the target user confirms that the transaction is not performed.
7. The method according to claim 1 or 2, wherein said handling resource transfers to the target user according to the resource transfer information comprises:
and sending the resource transfer information to a resource transfer server to instruct the resource transfer server to transact the resource transfer for the target user according to the resource transfer information.
8. The method of claim 7, wherein the method further comprises:
receiving the resource transfer transaction completion message returned by the resource transfer server;
and sending a transaction success message to the terminal equipment to indicate successful transaction of the resource transfer of the target user.
9. A resource transfer device, the device comprising:
the resource transfer processing module is used for responding to the resource transfer processing request of the target user and acquiring the resource transfer information of the target user;
The confirmation module is used for carrying out handling confirmation of resource transfer by sending rich media information to a short message window of terminal equipment of the target user according to the resource transfer information;
and the handling module is used for handling the resource transfer to the target user according to the resource transfer information under the condition of confirming handling, and storing the resource transfer related record data of the target user into a blockchain.
10. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any one of claims 1 to 8 when the computer program is executed.
11. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 8.
12. A computer program product comprising a computer program, characterized in that the computer program, when executed by a processor, implements the steps of the method of any one of claims 1 to 8.
CN202311190415.5A 2023-09-14 2023-09-14 Resource transfer method, apparatus, device, storage medium, and program product Pending CN117372001A (en)

Priority Applications (1)

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CN202311190415.5A CN117372001A (en) 2023-09-14 2023-09-14 Resource transfer method, apparatus, device, storage medium, and program product

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202311190415.5A CN117372001A (en) 2023-09-14 2023-09-14 Resource transfer method, apparatus, device, storage medium, and program product

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Publication Number Publication Date
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