WO2016101480A1 - 资源转移方法及装置 - Google Patents

资源转移方法及装置 Download PDF

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Publication number
WO2016101480A1
WO2016101480A1 PCT/CN2015/077858 CN2015077858W WO2016101480A1 WO 2016101480 A1 WO2016101480 A1 WO 2016101480A1 CN 2015077858 W CN2015077858 W CN 2015077858W WO 2016101480 A1 WO2016101480 A1 WO 2016101480A1
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WO
WIPO (PCT)
Prior art keywords
transfer
physiological feature
resource
account
mobile device
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2015/077858
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English (en)
French (fr)
Inventor
尚敏
舒真才
陈鹏飞
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Xiaomi Inc
Original Assignee
Xiaomi Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Xiaomi Inc filed Critical Xiaomi Inc
Priority to RU2015127423A priority Critical patent/RU2629447C2/ru
Priority to KR1020157017281A priority patent/KR101743193B1/ko
Priority to MX2015008809A priority patent/MX361666B/es
Priority to BR112015016012A priority patent/BR112015016012A2/pt
Priority to JP2016565541A priority patent/JP2017506401A/ja
Priority to US14/800,711 priority patent/US20160191492A1/en
Publication of WO2016101480A1 publication Critical patent/WO2016101480A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0876—Network architectures or network communication protocols for network security for authentication of entities based on the identity of the terminal or configuration, e.g. MAC address, hardware or software configuration or device fingerprint
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/12—Applying verification of the received information
    • H04L63/126—Applying verification of the received information the source of the received data
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication
    • H04W12/065—Continuous authentication

Definitions

  • the present disclosure relates to the field of computer technologies, and in particular, to a resource transfer method and apparatus.
  • Resource transfer refers to the process of transferring resources from the first repository to the second repository.
  • various passwords are used to secure the transfer of resources, such as transfer passwords, login passwords, and SMS verification codes.
  • the resource requested for transfer can be transferred only when the password entered by the user is correct.
  • the present disclosure provides a resource transfer method and apparatus.
  • the technical solution is as follows:
  • a resource transfer method comprising:
  • the resource is transferred when the physiological feature matches the stored physiological feature model of the transfer account.
  • the detecting whether the physiological feature collected by the mobile device bound to the transfer account is received includes:
  • the method further includes:
  • the method further includes:
  • the physiological feature model of the transfer account is established by using the received physiological feature
  • the physiological feature model of the transfer account is stored, if the physiological feature matches the physiological feature model, the physiological feature model of the transferred account is modified by using the received physiological feature.
  • the method further includes:
  • the abnormal prompt condition including the acquired device identifier sent together with the physiological feature being historically bound Transferring the account and not currently binding to the transfer account, or not receiving the physiological feature sent by the mobile device bound to the transfer account within a predetermined time period;
  • the abnormal prompt information is sent to the transfer account.
  • the transferring the resource includes:
  • Transferring the resource according to a simplified resource transfer process the direct transfer of the resource, or at least skipping a transfer password, a verification code, or a received dynamic information required to transfer the resource At least one of the resources transferred after verification.
  • the method further includes:
  • the resource is transferred by using a default resource transfer process, where the default resource transfer process includes at least a transfer required when the resource is transferred.
  • the password is verified.
  • a resource transfer apparatus comprising:
  • a first receiving module configured to receive a resource transfer request for requesting transfer of resources, which is sent by using a transfer account
  • the first detecting module is configured to detect whether a physiological feature collected by the mobile device bound to the transfer account is received;
  • the first transfer module is configured to: when the first detecting module detects that the physiological feature collected by the mobile device bound to the transfer account is received, the physiological feature model of the transferred account in the physiological feature and the stored When matching, the resource is transferred.
  • the first detecting module includes:
  • Determining a submodule configured to determine a receiving moment at which the resource transfer request is received
  • the detecting submodule is configured to detect whether a physiological feature collected by the mobile device bound to the transfer account is received within a predetermined time period including the receiving moment determined by the determining submodule.
  • the device further includes:
  • a second receiving module configured to receive a setting command for binding the mobile device to the transfer account
  • the binding module is configured to bind the device identifier of the selected mobile device selected by the second receiving module to the transfer account.
  • the device further includes:
  • Establishing a module configured to establish a physiological feature model of the transfer account by using the received physiological feature when the physiological feature model of the transfer account is not stored;
  • a correction module configured to: when the physiological feature model of the transfer account is stored, if the physiological feature matches the physiological feature model, correct the physiological feature model of the transferred account by using the received physiological feature .
  • the device further includes:
  • the second detecting module is configured to detect whether the abnormal prompt condition is met when receiving the physiological feature sent by the mobile device bound to the transfer account, where the abnormal prompt condition includes the acquired device sent together with the physiological feature
  • the identifier is bound to the transfer account by history and is not currently bound to the transfer account, or the physiological feature sent by the mobile device bound to the transfer account is not received within a predetermined duration;
  • the sending module is configured to send abnormal prompt information to the transfer account when the second detecting module detects that the abnormal prompt condition exists.
  • the first transfer module is further configured to:
  • Transferring the resource according to a simplified resource transfer process the direct transfer of the resource, or at least skipping a transfer password, a verification code, or a received dynamic information required to transfer the resource At least one of the resources transferred after verification.
  • the device further includes:
  • a second transfer module configured to transfer the resource by using a default resource transfer process when the physiological feature does not match the stored physiological feature model of the transfer account, where the default resource transfer process includes at least The transfer password required for the resource is verified.
  • a resource transfer apparatus comprising:
  • a memory for storing the processor executable instructions
  • processor is configured to:
  • the resource is transferred when the physiological feature matches the stored physiological feature model of the transfer account.
  • the transfer resource When the transfer resource is requested to transfer the resource, if the received physiological feature is detected to match the physiological feature model of the transfer account, the requested resource is transferred; since the server can match the received physiological feature with the physiological feature model, And directly transfer the resources after the matching succeeds, thus solving the problem that the resource transfer process is complicated when the various passwords need to utilize various passwords to ensure the security of resource transfer, and the security is guaranteed. At the same time, the effect of the complexity of the resource transfer process is reduced.
  • FIG. 1 is a schematic diagram of an implementation environment involved in a resource transfer method, according to some exemplary embodiments
  • FIG. 2 is a flowchart of a resource transfer method according to an exemplary embodiment
  • FIG. 3A is a flowchart of a resource transfer method according to another exemplary embodiment
  • FIG. 3B is a flowchart showing a process of binding a transfer account and a device identifier according to an exemplary embodiment
  • 3C is a flow chart showing establishing a physiological feature model and updating according to an exemplary embodiment
  • FIG. 3D is a flowchart showing an abnormal reminder according to an exemplary embodiment
  • FIG. 4 is a block diagram of a resource transfer apparatus according to an exemplary embodiment
  • FIG. 5 is a block diagram of a resource transfer apparatus according to another exemplary embodiment
  • FIG. 6 is a block diagram of an apparatus for transferring resources, according to an exemplary embodiment.
  • the implementation environment may include at least one mobile device 120, a server 140, and a transfer request terminal 160.
  • the mobile device 120 is typically provided with a sensor for collecting physiological characteristics of the user, such as heart rate, blood pressure, arm swing amplitude, fingerprint, face information, and the like.
  • the mobile device 120 here is usually a device that the user often carries or wears, such as a smart bracelet, a smart keychain, a smart watch, a smart tie clip, a smart ring, and the like, which can be worn on the user, so that the physiological characteristics of the user can be collected at any time. .
  • the transfer requesting terminal 160 may be an electronic device for requesting transfer of resources, and the electronic device may be a smart phone with a resource transfer function, a tablet, a smart TV, an e-book reader, a multimedia player, a laptop portable computer, and a desktop Computer and so on.
  • the server 140 can be connected to the mobile device 120 and the transfer request terminal 160 by a wired network method or a wireless network method, respectively.
  • the server 140 can receive the physiological features collected and transmitted by the mobile device 120 in real time, and can receive the resource transfer request sent by the transfer request terminal 160, and process the resource transfer request according to the physiological feature.
  • the server 140 referred to herein may be a server, or a server cluster composed of several servers, or a cloud computing service center.
  • the server 140 can be a backend server for payment.
  • the transfer requesting terminal 160 Based on the information, it is determined whether or not the resource requested by the transfer requesting terminal 160 can avoid the transfer process such as transferring the password.
  • FIG. 2 is a flowchart of a resource transfer method according to an exemplary embodiment. As shown in FIG. 2, the resource is shown in FIG. The transfer method is applied to the server 140 in the implementation environment shown in FIG. 1, and includes the following steps.
  • step 201 a resource transfer request for requesting transfer of resources sent by the transfer account is received.
  • step 202 it is detected whether a physiological feature collected by the mobile device bound to the transfer account is received.
  • step 203 if it is detected that the physiological feature collected by the mobile device bound to the transfer account is received, the resource is transferred when the physiological feature matches the stored physiological feature model of the transfer account.
  • the server may calculate a matching degree between the physiological feature and the stored physiological feature module of the transfer account, when the calculated matching value is greater than a predetermined match. At the threshold, it is determined that the physiological feature matches the stored physiological feature model of the transfer account.
  • the resource transfer method when receiving the transfer account request to transfer the resource, if it is detected that the physiological feature received within the predetermined time period matches the physiological feature model of the transfer account, Transfer the requested resource; because the server can match the received physiological features with the physiological feature model and directly transfer the resources after the matching is successful, it is solved that various passwords need to be utilized in the resource transfer process to ensure resource transfer.
  • the security of the resource transfer process is more complicated; it achieves the effect of ensuring the security and reducing the complexity of the resource transfer process.
  • FIG. 3A is a flowchart of a resource transfer method according to another exemplary embodiment. As shown in FIG. 3A, the resource transfer method is applied to the server 140 in the implementation environment shown in FIG. 1, and includes the following steps.
  • step 301 a resource transfer request for requesting a transfer resource sent by using the transfer account is received, and a receiving moment of receiving the resource transfer request is determined.
  • the server may record the time when the resource transfer request is received, that is, the receiving time.
  • the resource transfer request carries a transfer account.
  • the resource transfer request is sent by the transfer request terminal 160 in the implementation environment of FIG. 1, for example, after the user logs in the transfer account on the transfer request terminal 160, and requests transfer under the transfer account.
  • the transfer requesting terminal 160 may send the resource transfer request to the server under the control of the user, where the resource transfer request carries the transfer account and the resource value that needs to be transferred.
  • the resource transfer request further includes an identifier of the first resource pool where the resource corresponding to the resource value is located, and an identifier of the second resource library to which the resource is to be transferred. That is to say, the resource transfer request is generally used to indicate that the transfer account request transfers the resource having the specified resource value in the first resource pool to the second resource pool.
  • the information carried in the resource transfer request may be set according to the actual usage scenario.
  • the information carried in the resource transfer request is not specifically limited in this embodiment.
  • step 302 it is detected whether a physiological feature collected by the mobile device bound to the transfer account is received within a predetermined time period including the reception time.
  • the mobile device may be provided with a sensor, which may be used to collect some physiological characteristics of the user, and the physiological features may include heart rate, blood pressure, swing amplitude and frequency of the arm, fingerprint information, face information, Weight information, etc.
  • a sensor which may be used to collect some physiological characteristics of the user, and the physiological features may include heart rate, blood pressure, swing amplitude and frequency of the arm, fingerprint information, face information, Weight information, etc.
  • some sensors can collect the user's heart rate
  • some sensors can collect the user's blood pressure
  • some sensors can capture the amplitude and frequency of the arm's swing when the user walks.
  • the physiological characteristics collected by different mobile devices may be different.
  • a mobile device can acquire at least one physiological feature.
  • the collected physiological feature may be sent to the server every predetermined time interval or in real time.
  • the server may receive the physiological feature collected by the server.
  • the predetermined time interval mentioned here can be set according to actual needs. When it is required to frequently send physiological features to the server to ensure or improve the security when the resource is transferred, the predetermined time interval can be set relatively small, and when the server and the mobile are When the network status between the devices is not good, the predetermined time interval may be set to be relatively large, and the specific value of the predetermined time interval is not specifically limited in the disclosure.
  • the server detects whether the physiological feature collected by the mobile device bound to the transfer account is received within a predetermined time period including the receiving time, the server includes the following steps:
  • the server may store the binding relationship between the device identifier of the mobile device and the transfer account.
  • the server may find the binding with the transfer account according to the stored binding relationship. Device identification.
  • the server may obtain the binding relationship between the device identifier of the stored mobile device and the transfer account from another device or the server, and obtain the binding relationship according to the obtained resource transfer request sent by the transfer account. Find the device ID bound to the transfer account.
  • the server may further send a lookup request to the device or server that stores the binding relationship between the device identifier of the mobile device and the transfer account when receiving the resource transfer request sent by the transfer account, where the search request is used for Requesting to find the device identifier bound to the transfer account, and receiving the device identifier that the device or server finds according to the lookup request.
  • the method for determining the device identifier of the mobile device to be bound to the transfer account is not limited to the above.
  • a physiological feature transmitted together with the device identifier of the mobile device is received within a predetermined time period in which the reception time is the specified time, and the designated time is the start time, the end time or the intermediate time of the predetermined time period.
  • the server may detect whether a physiological feature transmitted with the device identifier of the mobile device is received within a predetermined time period in which the receiving time is the starting time. That is to say, after receiving the resource transfer request, the server may detect whether the physiological feature sent together with the device identifier of the mobile device is received within a predetermined time period from the receiving time.
  • the server may detect whether a physiological feature transmitted with the device identifier of the mobile device is received within a predetermined time period in which the receiving time is the ending time.
  • the server may detect whether a physiological feature transmitted with the device identifier of the mobile device is received within a predetermined time period in which the receiving time is the intermediate time.
  • predetermined time period including the reception time
  • it is not limited to only the start time and the end time.
  • the engraved or intermediate moment is the receiving moment.
  • the predetermined time period may also be a time period before the receiving time of the ending time, or the predetermined time period may also be a time period after the receiving time, the receiving time and the predetermined time period.
  • the relationship can be set according to actual requirements and cannot be used to limit the scope of protection of the present disclosure.
  • the mobile device can send the physiological feature to the server, and when the physiological feature is sent to the server, in order to facilitate the mobile device to transmit the physiological feature, the mobile device is transmitting.
  • the physiological characteristics are also transmitted together with the device identification of the mobile device, and the device identification referred to herein is used to uniquely identify the mobile device.
  • step 303 if it is detected that the physiological feature collected by the mobile device bound to the transfer account is received within a predetermined time period including the receiving time, the physiological feature model of the transferred account in the physiological feature and the stored When matching, the resource is transferred.
  • the server may calculate a match between the physiological feature and the stored physiological feature module of the transferred account. And, when the calculated matching value is greater than the predetermined matching threshold, determining that the physiological feature matches the stored physiological feature model of the transferred account.
  • the predetermined matching threshold value may be set according to the actual situation.
  • the specific value of the predetermined matching threshold is not specifically limited in this embodiment. Generally, when the predetermined matching threshold is larger, the calculated matching value is greater than the predetermined matching threshold, indicating that the physiological feature matches the stored physiological feature model of the transferred account.
  • the physiological feature matches the stored physiological feature model of the transfer account, it usually indicates that the resource transfer at this time is relatively safe, and various passwords (such as transfer) are required to reduce security in resource transfer.
  • the transfer complexity caused by the password, the verification password, etc. can be transferred according to the simplified resource transfer process.
  • the simplified resource transfer process mentioned here is to directly transfer the resource, or at least skip the transfer of the resource. The resource transfer performed after at least one of the required transfer password, verification code, or received dynamic information is verified.
  • the resource transfer process usually includes verifying the transfer password, verifying the verification code, or verifying the received dynamic information
  • the verification of one or more of the multiple can be skipped at this time. And then proceed directly to the process that was not skipped to complete the resource transfer.
  • the resource transfer process includes verification of the transfer password and verification of the verification code. If the verification of the verification code is skipped, only the transfer password is verified at this time, and after the verification is successful, the resource is transferred.
  • step 304 when the physiological feature does not match the stored physiological feature model of the transfer account, the resource is transferred by using a default resource transfer process, and the default resource transfer process includes at least a transfer required when the resource is transferred.
  • the password is verified.
  • the server calculates a matching degree between the physiological feature and the stored physiological characteristic module of the transfer account. When the calculated matching value is less than a predetermined matching threshold, determining that the physiological feature and the stored physiological feature model of the transferred account are not match.
  • the physiological feature matches the stored physiological feature model of the transfer account, it usually indicates that the resource is transferred at this time. It is not safe to move. For example, an illegal user uses a mobile device of a legitimate user to request resource transfer.
  • the default resource transfer process can be used for resource transfer, such as the default resource transfer. The process includes at least verification of the transfer password required to transfer the resource.
  • the default resource transfer process may include verifying the verification password required when transferring the resource.
  • the resource transfer method when receiving the transfer account request to transfer the resource, if it is detected that the physiological feature received within the predetermined time period matches the physiological feature model of the transfer account, Transfer the requested resource; because the server can match the received physiological features with the physiological feature model and directly transfer the resources after the matching is successful, it is solved that various passwords need to be utilized in the resource transfer process to ensure resource transfer.
  • the security of the resource transfer process is more complicated; it achieves the effect of ensuring the security and reducing the complexity of the resource transfer process.
  • the resource transfer method provided in the embodiment of the present disclosure uses the default resource by detecting that the physiological feature received in the predetermined time period does not match the physiological feature model of the transfer account when the transfer account is requested to transfer the resource.
  • the transfer process transfers the resource; since the default resource transfer process also includes the verification process of transferring the password when transferring the resource, the security of the transferred account can be guaranteed.
  • the server may first bind the transfer account with the device identifier of the mobile device set by the user, and store the transfer account and the Binding relationship between the device IDs bound to the transfer account.
  • FIG. 3B it is a flowchart when binding a transfer account and a device identifier according to an exemplary embodiment.
  • the binding process of the resource transfer method is:
  • the user can select which mobile devices to use and the transfer account to be used for binding.
  • the setting terminal used by the user receives the device identifier of the mobile device selected by the user, and sends a transfer to the server for logging in to the server.
  • the account binding mobile device setting command correspondingly, the server can receive a setting command for binding the mobile device to the transfer account.
  • the server may send a binding recommendation to the transfer account to notify the user that the mobile device can be bound to shorten the process of resource transfer.
  • the server may bind the device identifier of the selected mobile device in the setting command to the transfer account, and store the binding relationship between the transfer account and the device identifier. .
  • the user may also cancel the binding relationship between the mobile device and the transfer account, for example, when the user is bound to the transfer account.
  • the user can benefit
  • the unbind request is sent to the server by using the transfer account, where the unbind request carries the device identifier that is to be canceled.
  • the server may cancel the transfer account.
  • the device identifier carried in the binding unbind request may be determined as the device identifier that is bound to the transfer account history.
  • the resource transfer method binds and stores the transfer account and the device identifier, so as to receive the resource transfer request sent by the transfer account, according to the bound device identifier.
  • the corresponding physiological characteristics determine whether the resources are directly transferred, thereby simplifying the verification process when the resources are transferred.
  • FIG. 3C is a flowchart for establishing a physiological feature model and updating according to an exemplary embodiment.
  • the resource transfer method may further include:
  • the server may first determine the device identifier of the mobile device bound to the transfer account, and then according to these The device identification finds the physiological features received with the device identification, that is, receives the physiological features collected by the at least one mobile device bound to the transfer account.
  • the physiological feature model of the transfer account is established by using the received physiological feature.
  • the server may use the received physiological feature to establish a physiological feature model of the transfer account.
  • the physiological feature may be further corrected when the physiological feature matches the physiological feature model.
  • the physiological feature model of the transfer account is
  • the physiological feature When the physiological feature does not match the physiological feature model, it usually indicates that the mobile device that collects the physiological feature has an abnormal situation. In this case, in order to avoid interference with the physiological feature model of the transferred account, the received information may not be utilized.
  • the physiological feature corrects the physiological feature model of the transfer account.
  • the server may save the abnormal situation, so that the server selects different payment processes according to the abnormal conditions and transfers the resources corresponding to the transfer account later.
  • the resource transfer method establishes a physiological feature model for the transfer account by using the received physiological feature collected by the at least one mobile device bound to the transfer account, or A physiological feature model of the transfer account is stored and the physiological feature is matched with the physiological feature model, and the physiological feature model of the transferred account is modified by using the received physiological feature; the physiological feature model is established according to the learning process, and is continuously updated and improved.
  • the physiological feature model so that the physiological feature model can more accurately identify the corresponding account for the transfer account Households, thereby improving the security of resource transfer.
  • FIG. 3D is a flowchart when an abnormal reminder is displayed according to an exemplary embodiment
  • the resource transfer method may further include :
  • the abnormal prompt condition mentioned here includes that the acquired device identifier sent together with the physiological feature is historically bound to the transfer account and is not currently bound to the transfer account, or is not received in the predetermined duration.
  • the physiological characteristics transmitted by the mobile device includes that the acquired device identifier sent together with the physiological feature is historically bound to the transfer account and is not currently bound to the transfer account, or is not received in the predetermined duration.
  • the server can acquire the device identifier sent together with the physiological feature when receiving the physiological feature.
  • the legitimate user usually cancels the binding of the mobile device to the transfer account, so as to prevent the physiological feature collected by the mobile device from continuing to modify the physiological feature model of the user transfer account. As a result, the physiological feature model is inaccurate.
  • the physiological feature sent by the mobile device bound to the transfer account is not received within the predetermined duration, it usually indicates that the mobile device is not connected for a long time, or the mobile device is refreshed (updated)
  • the device identifier of the mobile device of the system may be refreshed. Therefore, the server cannot obtain or recognize the physiological characteristics acquired by the mobile device, and thus the physiological feature model cannot be corrected in real time. At this time, it is considered that an abnormal situation has occurred, that is, the abnormality is met.
  • the prompt condition requires an exception prompt to the user.
  • the server may save the abnormal prompt information, and record the save time. If the predetermined time period from the save time, the server receives the resource transfer request sent by the transfer account.
  • the resource transfer process is used to transfer the resource.
  • the default resource transfer process includes at least verifying the transfer password required to transfer the resource to ensure the security of the resource transfer.
  • the default resource transfer process is used to transfer the requested transfer resource, and the default resource transfer process. At least include verification of the transfer password required to transfer the resource.
  • the resource transfer method acquires the device identifier sent together with the physiological feature when the physiological feature is received, when the device identifier is historically bound to the transfer account and is not currently
  • the abnormal prompt information is sent to the transfer account; thus, the abnormal situation can be notified to the user in time, thereby improving the user experience and security.
  • the resource transfer method provided in the embodiment of the present disclosure, after sending an abnormal situation to the transfer account, if If the resource transfer request sent by the transfer account is received within the predetermined time period, the resource is transferred by using the default resource transfer process to ensure the security of the resource transfer.
  • FIG. 3A may be separately implemented as a resource transfer method, or may be implemented as a resource transfer method in one, two or all of FIG. 3B, FIG. 3C, and FIG.
  • FIG. 4 is a block diagram of a resource transfer apparatus, which is applied to a server 140 in the implementation environment shown in FIG. 1 according to an exemplary embodiment.
  • the resource transfer apparatus includes but not The method is limited to: a first receiving module 402, a first detecting module 404, and a first transferring module 406.
  • the first receiving module 402 is configured to receive a resource transfer request for requesting transfer of resources, which is sent by using a transfer account.
  • the first detecting module 404 is configured to detect whether a physiological feature collected by the mobile device bound to the transfer account is received;
  • the first transfer module 406 is configured to detect, when the first detection module 404 detects the physiological feature collected by the mobile device bound to the transfer account, when the physiological feature matches the stored physiological feature model of the transfer account , transfer the resource.
  • the resource transfer apparatus when receiving the transfer account requesting to transfer the resource, if it is detected that the physiological feature received within the predetermined time period matches the physiological feature model of the transfer account, Transfer the requested resource; because the server can match the received physiological features with the physiological feature model and directly transfer the resources after the matching is successful, it is solved that various passwords need to be utilized in the resource transfer process to ensure resource transfer.
  • the security of the resource transfer process is more complicated; it achieves the effect of ensuring the security and reducing the complexity of the resource transfer process.
  • FIG. 5 is a block diagram of a resource transfer apparatus according to another exemplary embodiment. As shown in FIG. 5, the resource transfer apparatus is applied to a server 140 in the implementation environment shown in FIG. 1, and the resource transfer apparatus includes It is not limited to: the first receiving module 502, the first detecting module 504, and the first transferring module 506.
  • the first receiving module 502 is configured to receive a resource transfer request for requesting transfer of resources, which is sent by using a transfer account.
  • the first detecting module 504 is configured to detect whether a physiological feature collected by the mobile device bound to the transfer account is received;
  • the first transfer module 506 is configured to detect, when the first detection module 504 detects the physiological feature collected by the mobile device bound to the transfer account, when the physiological feature matches the stored physiological feature model of the transfer account. , transfer the resource.
  • the first detecting module 504 can include: determining the submodule 504a and detecting Sub-module 504b.
  • a determining submodule 504a configured to determine a receiving moment at which the resource transfer request is received
  • the detection sub-module 504b is configured to detect whether a physiological feature collected by the mobile device bound to the transfer account is received within a predetermined time period including the reception time determined by the determination sub-module 504a.
  • the resource transfer apparatus may further include: a second receiving module 508 and a binding module 510.
  • the second receiving module 508 is configured to receive a setting command for binding the mobile device to the transfer account.
  • the binding module 510 is configured to bind the device identifier of the selected mobile device selected by the second receiving module 508 to the transfer account.
  • the resource transfer apparatus may further include: an establishing module 514 and a modifying module 516.
  • the establishing module 514 is configured to: when the physiological feature model of the transfer account is not stored, establish a physiological feature model of the transfer account by using the received physiological feature;
  • the correction module 516 is configured to, when the physiological feature model of the transfer account is stored, if the physiological feature matches the physiological feature model, correct the physiological feature model of the transferred account by using the received physiological feature.
  • the resource transfer apparatus may further include: a second detection module 518 and a sending module 520.
  • the second detecting module 518 is configured to detect, according to the physiological feature sent by the mobile device bound to the transfer account, whether the abnormal prompt condition is met, the abnormal prompt condition including the acquired device identifier sent together with the physiological feature is The history is bound to the transfer account and is not currently bound to the transfer account, or the physiological feature sent by the mobile device bound to the transfer account is not received within the predetermined time period;
  • the sending module 520 is configured to send the abnormal prompt information to the transfer account when the second detecting module 518 detects that the abnormal prompt condition exists.
  • the first transfer module 506 is further configured to:
  • the resource is transferred according to a simplified resource transfer process, and the simplified resource transfer process is to directly transfer the resource, or at least one of forwarding password, verification code, or received dynamic information required to transfer the resource. Resource transfer after verification.
  • the resource transfer apparatus may further include: a second transfer module 522.
  • the second transfer module 522 is configured to transfer the resource by using a default resource transfer process when the physiological feature does not match the stored physiological feature model of the transfer account.
  • the default resource transfer process includes at least transferring the resource.
  • the required transfer password is verified.
  • the resource transfer apparatus when receiving the transfer account requesting to transfer the resource, if it is detected that the physiological feature received within the predetermined time period matches the physiological feature model of the transfer account, Transfer the requested resource; because the server can match the received physiological characteristics with the physiological feature model and directly transfer the resources after the matching is successful, it is solved that various passwords need to be utilized in the resource transfer process to ensure resources.
  • the security of the transfer is made, the resulting resource transfer process is more complicated; the effect of reducing the complexity of the resource transfer process is achieved while ensuring security.
  • the resource transfer apparatus uses the default resource by detecting that the physiological feature received in the predetermined time period does not match the physiological feature model of the transfer account when the transfer account is requested to transfer the resource.
  • the transfer process transfers the resource; since the default resource transfer process also includes the verification process of transferring the password when transferring the resource, the security of the transferred account can be guaranteed.
  • the resource transfer apparatus provided in the embodiment of the present disclosure is configured to bind and store the transfer account and the device identifier, so as to be determined according to the physiological characteristics corresponding to the bound device identifier when receiving the resource transfer request sent by the transfer account. Whether to transfer resources directly, which simplifies the verification process when resources are transferred.
  • the resource transfer apparatus provided in the embodiment of the present disclosure establishes a physiological feature model for the transfer account by using the received physiological feature collected by the at least one mobile device bound to the transfer account, or when the transfer account is stored a physiological characteristic model and the physiological characteristic is matched with the physiological characteristic model, and the physiological characteristic model of the transferred account is modified by using the received physiological feature; the physiological feature model is established according to the learning process, and the physiological feature model is continuously updated and improved, Therefore, the physiological feature model can more accurately identify the user corresponding to the transfer account, thereby improving the security of resource transfer.
  • the resource transfer apparatus acquires a device identifier sent together with the physiological feature when receiving the physiological feature, and when the device identifier is historically bound to the transfer account and is not currently associated with the transfer account When binding, the abnormal prompt information is sent to the transfer account; thus, the abnormal situation can be notified to the user in time, thereby improving the user experience and security.
  • An exemplary embodiment of the present disclosure provides a resource transfer apparatus, which is applicable to the resource transfer method provided by the present disclosure.
  • the resource transfer apparatus includes: a processor, and is used in a server 140 in the implementation environment shown in FIG. a memory that stores processor executable instructions;
  • processor is configured to:
  • the transfer is performed. Resources.
  • FIG. 6 is a block diagram of an apparatus for transferring resources, according to an exemplary embodiment.
  • device 600 Can be provided as a server.
  • apparatus 600 includes a processing component 602 that further includes one or more processors, and memory resources represented by memory 604 for storing instructions executable by processing component 602, such as an application.
  • An application stored in memory 604 can include one or more modules each corresponding to a set of instructions.
  • processing component 602 is configured to execute instructions to perform the resource transfer method described above.
  • Device 600 may also include a power supply component 606 configured to perform power management of device 600, a wired or wireless network interface 608 configured to connect device 600 to the network, and an input/output (I/O) interface 610.
  • Device 600 can operate based on an operating system stored in memory 604, such as Windows ServerTM, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM or the like.

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Abstract

本公开揭示了一种资源转移方法及装置，属于计算机技术领域。所述资源转移方法包括：接收利用转移账号发送的用于请求转移资源的资源转移请求；检测是否接收到与所述转移账号绑定的移动设备采集的生理特征；若检测接收到与所述转移账号绑定的移动设备采集的生理特征，则在所述生理特征与存储的所述转移账号的生理特征模型匹配时，转移所述资源。解决了在资源转移过程中需要利用各种各样的密码以保证资源转移的安全性时，导致的资源转移流程较为复杂的问题；达到了在保证安全性的同时，降低了资源转移流程的复杂度的效果。

Description

资源转移方法及装置
本申请基于申请号为201410829482.1、申请日为2014年12月27日的中国专利申请提出，并要求该中国专利申请的优先权，该中国专利申请的全部内容在此引入本申请作为参考。
技术领域
本公开涉及计算机技术领域，特别涉及一种资源转移方法及装置。
背景技术
随着电子商务行业的快速发展，通过网上平台进行资源转移等操作越来越受到人们的欢迎。资源转移是指将资源从第一资源库转移到第二资源库的过程。
在进行资源转移时，会通过各种各样的密码来保证转移资源时的安全，比如转移密码、登录密码以及短信验证码等。只有在用户所输入的密码正确时，才能将请求转移的资源转移出去。
发明内容
本公开提供一种资源转移方法及装置。所述技术方案如下：
根据本公开实施例的第一方面，提供一种资源转移方法，所述方法包括：
接收利用转移账号发送的用于请求转移资源的资源转移请求；
检测是否接收到与所述转移账号绑定的移动设备采集的生理特征；
若检测接收到与所述转移账号绑定的移动设备采集的生理特征，则在所述生理特征与存储的所述转移账号的生理特征模型匹配时，转移所述资源。
可选的，所述检测是否接收到与所述转移账号绑定的移动设备采集的生理特征，包括：
确定接收到所述资源转移请求的接收时刻；
检测在包含有所述接收时刻的预定时间段内是否接收到与所述转移账号绑定的移动设备采集的生理特征。
可选的，所述方法还包括：
接收为所述转移账号绑定移动设备的设置命令；
将所述设置命令中选定的移动设备的设备标识与所述转移账号进行绑定。
可选的，所述方法还包括：
当未存储有所述转移账号的生理特征模型时，利用接收到的所述生理特征建立所述转移账号的生理特征模型；
当存储有所述转移账号的生理特征模型时，若所述生理特征与所述生理特征模型匹配，则利用接收到的所述生理特征修正所述转移账号的生理特征模型。
可选的，所述方法还包括：
在接收与所述转移账号绑定的移动设备发送的生理特征时，检测是否符合异常提示条件，所述异常提示条件包括获取的与所述生理特征一起发送的设备标识被历史绑定过所述转移账号且当前不与所述转移账号绑定，或，在预定时长内未接收到与所述转移账号绑定的移动设备发送的生理特征；
若存在所述异常提示条件，则向所述转移账号发送异常提示信息。
可选的，所述转移所述资源，包括：
按照简化的资源转移流程转移所述资源，所述简化的资源转移流程为直接转移所述资源，或为至少跳过对转移所述资源时所需的转移密码、验证码或接收到的动态信息中至少一种进行验证后所进行的资源转移。
可选的，所述方法还包括：
在所述生理特征与存储的所述转移账号的生理特征模型不匹配时，利用默认的资源转移流程转移所述资源，所述默认的资源转移流程至少包括对转移所述资源时所需的转移密码进行验证。
根据本公开实施例的第二方面，提供一种资源转移装置，所述装置包括：
第一接收模块，被配置为接收利用转移账号发送的用于请求转移资源的资源转移请求；
第一检测模块，被配置为检测是否接收到与所述转移账号绑定的移动设备采集的生理特征；
第一转移模块，被配置为在所述第一检测模块检测接收到与所述转移账号绑定的移动设备采集的生理特征，则在所述生理特征与存储的所述转移账号的生理特征模型匹配时，转移所述资源。
可选的，所述第一检测模块，包括：
确定子模块，被配置为确定接收到所述资源转移请求的接收时刻；
检测子模块，被配置为检测在包含有所述确定子模块确定的所述接收时刻的预定时间段内是否接收到与所述转移账号绑定的移动设备采集的生理特征。
可选的，所述装置还包括：
第二接收模块，被配置为接收为所述转移账号绑定移动设备的设置命令；
绑定模块，被配置为将所述第二接收模块接收到的所述设置命令中选定的移动设备的设备标识与所述转移账号进行绑定。
可选的，所述装置还包括：
建立模块，被配置为当未存储有所述转移账号的生理特征模型时，利用接收到的所述生理特征建立所述转移账号的生理特征模型；
修正模块，被配置为当存储有所述转移账号的生理特征模型时，若所述生理特征与所述生理特征模型匹配，则利用接收到的所述生理特征修正所述转移账号的生理特征模型。
可选的，所述装置还包括：
第二检测模块，被配置为在接收与所述转移账号绑定的移动设备发送的生理特征时，检测是否符合异常提示条件，所述异常提示条件包括获取的与所述生理特征一起发送的设备标识被历史绑定过所述转移账号且当前不与所述转移账号绑定，或，在预定时长内未接收到与所述转移账号绑定的移动设备发送的生理特征；
发送模块，被配置为在所述第二检测模块检测到存在所述异常提示条件时，向所述转移账号发送异常提示信息。
可选的，所述第一转移模块，还被配置为：
按照简化的资源转移流程转移所述资源，所述简化的资源转移流程为直接转移所述资源，或为至少跳过对转移所述资源时所需的转移密码、验证码或接收到的动态信息中至少一种进行验证后所进行的资源转移。
可选的，所述装置还包括：
第二转移模块，被配置为在所述生理特征与存储的所述转移账号的生理特征模型不匹配时，利用默认的资源转移流程转移所述资源，所述默认的资源转移流程至少包括对转移所述资源时所需的转移密码进行验证。
根据本公开实施例的第三方面，提供一种资源转移装置，所述装置包括：
处理器；
用于存储所述处理器可执行指令的存储器；
其中，所述处理器被配置为：
接收利用转移账号发送的用于请求转移资源的资源转移请求；
检测是否接收到与所述转移账号绑定的移动设备采集的生理特征；
若检测接收到与所述转移账号绑定的移动设备采集的生理特征，则在所述生理特征与存储的所述转移账号的生理特征模型匹配时，转移所述资源。
本公开的实施例提供的技术方案可以包括以下有益效果：
通过在接收到转移账号请求转移资源时，若检测所接收到的生理特征与转移账号的生理特征模型匹配，则转移请求的资源；由于服务器可以将接收到的生理特征与生理特征模型进行匹配，并在匹配成功后直接转移资源，因此解决了在资源转移过程中需要利用各种各样的密码以保证资源转移的安全性时，导致的资源转移流程较为复杂的问题；达到了在保证安全性的同时，降低了资源转移流程的复杂度的效果。
应当理解的是，以上的一般描述和后文的细节描述仅是示例性的，并不能限制本公开。
附图说明
此处的附图被并入说明书中并构成本说明书的一部分，示出了符合本公开的实施例，并于说明书一起用于解释本公开的原理。
图1是根据部分示例性实施例示出的一种资源转移方法所涉及的实施环境的示意图；
图2是根据一示例性实施例示出的一种资源转移方法的流程图；
图3A是根据另一示例性实施例示出的一种资源转移方法的流程图；
图3B是根据一示例性实施例示出的将转移账号以及设备标识进行绑定时的流程图；
图3C是根据一示例性实施例示出的建立生理特征模型并更新的流程图；
图3D是根据一示例性实施例示出的异常提醒时的流程图；
图4是根据一示例性实施例示出的一种资源转移装置的框图；
图5是根据另一示例性实施例示出的一种资源转移装置的框图；
图6是根据一示例性实施例示出的一种转移资源的装置的框图。
具体实施方式
这里将详细地对示例性实施例进行说明，其示例表示在附图中。下面的描述涉及附图时，除非另有表示，不同附图中的相同数字表示相同或相似的要素。以下示例性实施例中所描述的实施方式并不代表与本公开相一致的所有实施方式。相反，它们仅是与如所附权利要求书中所详述的、本公开的一些方面相一致的装置和方法的例子。
图1是根据部分示例性实施例示出的一种资源转移方法所涉及的实施环境的示意图，如图1所示，该实施环境可以包括至少一个移动设备120、服务器140以及转移请求终端160。
移动设备120上通常设置有传感器，该传感器用于采集用户的生理特征，比如心率、血压、手臂摇摆幅度、指纹、人脸信息等。这里的移动设备120通常是用户经常携带或穿戴的设备，比如智能手环、智能钥匙扣、智能手表、智能领带夹、智能戒指等可穿戴在用户身上的设备，这样可以随时采集用户的生理特征。
转移请求终端160可以为用于请求转移资源的电子设备，该电子设备可以是具有资源转移功能的智能手机、平板电脑、智能电视、电子书阅读器、多媒体播放器、膝上型便携计算机和台式计算机等等。
服务器140可以通过有线网络方式或无线网络方式分别与移动设备120以及转移请求终端160连接。
服务器140可以接收到移动设备120实时采集并发送的生理特征，并可以接收到转移请求终端160发送的资源转移请求，并根据生理特征对资源转移请求进行处理。这里所讲的服务器140可以是一台服务器，或者由若干台服务器组成的服务器集群，或者是一个云计算服务中心。该服务器140可以是支付的后台服务器。
根据这些信息确定出转移请求终端160所请求转移的资源是否能够避免转移密码等确认流程进行转移。
图2是根据一示例性实施例示出的一种资源转移方法的流程图，如图2所示，该资源 转移方法应用于图1所示的实施环境中的服务器140中，包括以下步骤。
在步骤201中，接收利用转移账号发送的用于请求转移资源的资源转移请求。
在步骤202中，检测是否接收到与该转移账号绑定的移动设备采集的生理特征。
在步骤203中，若检测接收到与该转移账号绑定的移动设备采集的生理特征，则在该生理特征与存储的该转移账号的生理特征模型匹配时，转移该资源。
若检测接收到与该转移账号绑定的移动设备采集的生理特征，服务器可以计算该生理特征与存储的该转移账号的生理特征模块之间的匹配度，当计算得到的匹配度值大于预定匹配阈值时，则确定该生理特征与存储的该转移账号的生理特征模型匹配。
综上所述，本公开实施例中提供的资源转移方法，通过在接收到转移账号请求转移资源时，若检测到预定时间段内所接收到的生理特征与转移账号的生理特征模型匹配，则转移请求的资源；由于服务器可以将接收到的生理特征与生理特征模型进行匹配，并在匹配成功后直接转移资源，因此解决了在资源转移过程中需要利用各种各样的密码以保证资源转移的安全性时，导致的资源转移流程较为复杂的问题；达到了在保证安全性的同时，降低了资源转移流程的复杂度的效果。
图3A是根据另一示例性实施例示出的一种资源转移方法的流程图，如图3A所示，该资源转移方法应用于图1所示的实施环境中的服务器140中，包括以下步骤。
在步骤301中，接收利用转移账号发送的用于请求转移资源的资源转移请求，确定接收到资源转移请求的接收时刻。
服务器在接收到利用转移账号发送的用于请求转移资源的资源转移请求时，可以记录下接收到该资源转移请求时的时刻，即接收时刻。
可选的，资源转移请求中携带有转移账号。
可选的，该资源转移请求是图1实施环境中的转移请求终端160发送的，举例来讲，当用户在该转移请求终端160上登录了该转移账号之后，并在该转移账号下请求转移某些资源时，则该转移请求终端160则可以在用户的控制下向服务器发送该资源转移请求，该资源转移请求中携带有转移账号以及需要转移的资源值。通常，该资源转移请求中还包括该资源值所对应的资源所在的第一资源库的标识，以及该资源将要被转移至的第二资源库的标识。也就是说，资源转移请求通常用于指示转移账号请求将第一资源库中具有指定资源值的资源转移至第二资源库中。
实际应用中，资源转移请求中所携带的信息可以根据实际使用场景设定，本实施例对资源转移请求中携带的信息不作具体限定。
在步骤302中，检测在包含有该接收时刻的预定时间段内是否接收到与该转移账号绑定的移动设备采集的生理特征。
在实际实现时，移动设备上可以设置有传感器，该传感器可以用于采集用户的一些生理特征，生理特征可以包括心率、血压、臂膀的摆动幅度和频率、指纹信息、人脸信息、 体重信息等。举例来讲，有些传感器可以采集用户的心率，有些传感器可以采集用户的血压，有些传感器可以采集用户走路时臂膀的摆动幅度和频率等。可选的，不同的移动设备采集到的生理特征可以不同。可选的，一个移动设备可以采集至少一种生理特征。
可选的，当移动设备采集到生理特征之后，可以每隔预定时间间隔或实时地向服务器发送采集到的生理特征，对应的，服务器可以接收到服务器采集到的生理特征。这里所讲的预定时间间隔可以根据实际需要设定，当需要频繁的向服务器发送生理特征以保证或提高资源转移时的安全性时，该预定时间间隔可以设置的比较小，而当服务器和移动设备之间的网络状态不佳时，可以将该预定时间间隔设置的比较大，本公开对该预定时间间隔的具体取值不作具体限定。
服务器检测在包含有所述接收时刻的预定时间段内是否接收到与所述转移账号绑定的移动设备采集的生理特征时，包括如下步骤：
第一，确定出与该转移账号绑定的移动设备的设备标识；
服务器中可以存储有移动设备的设备标识与转移账号之间的绑定关系，当服务器接收到转移账号发送的资源转移请求时，则可以根据存储的绑定关系，查找出与该转移账号绑定的设备标识。
可选的，服务器还可以从其他设备或服务器上获取存储的移动设备的设备标识与转移账号之间的绑定关系，并在接收到转移账号发送的资源转移请求时，根据获取的绑定关系，查找出与该转移账号绑定的设备标识。
可选的，服务器还可以在接收到转移账号发送的资源转移请求时，向其他存储有移动设备的设备标识与转移账号之间的绑定关系的设备或服务器发送查找请求，该查找请求用于请求查找与该转移账号绑定的设备标识，并接收这些设备或服务器根据查找请求查找到的设备标识。
服务器在确定与该转移账号绑定的移动设备的设备标识的方式除了以上几种，还可以存在其他易于思及的方式，本实施例对此不作具体限定。
第二，检测在以接收时刻为指定时刻的预定时间段内是否接收到与移动设备的设备标识一起发送的生理特征，指定时刻为预定时间段的起始时刻、结束时刻或中间时刻。
一种情况下，服务器可以检测以接收时刻为起始时刻的预定时间段内是否接收到与移动设备的设备标识一起发送的生理特征。也就是说，服务器在接收到资源转移请求后，可以检测接收时刻起的预定时间段内是否接收到与移动设备的设备标识一起发送的生理特征。
或者，另一种情况下，服务器可以检测以接收时刻为结束时刻的预定时间段内是否接收到与移动设备的设备标识一起发送的生理特征。
或者，再一种情况下，服务器可以检测以接收时刻为中间时刻的预定时间段内是否接收到与移动设备的设备标识一起发送的生理特征。
很显然，只要是包含该接收时刻的预定时间段均可以，并不限于仅起始时刻、结束时 刻或中间时刻为该接收时刻。易于思及的是，该预定时间段还可以为结束时刻在该接收时刻之前的时间段，或者该预定时间段还可以为起始时刻在该接收时刻之后的时间段，接收时刻与预定时间段的关系可以根据实际要求进行设定，并不能用于限定本公开的保护范围。
通常来讲，移动设备在采集到生理特征之后，可以将该生理特征发送给服务器，而在将生理特征发送给服务器时，为了便于服务器分别该生理特征是哪个移动设备发送的，移动设备在发送生理特征的同时还一起发送该移动设备的设备标识，这里所讲的设备标识用于唯一标识移动设备。
在步骤303中，若检测到在包含有该接收时刻的预定时间段内接收到与该转移账号绑定的移动设备采集的生理特征，则在该生理特征与存储的该转移账号的生理特征模型匹配时，转移该资源。
若检测到在包含有该接收时刻的预定时间段内接收到与该转移账号绑定的移动设备采集的生理特征，服务器可以计算该生理特征与存储的该转移账号的生理特征模块之间的匹配度，当计算得到的匹配度值大于预定匹配阈值时，则确定该生理特征与存储的该转移账号的生理特征模型匹配。
这里的预定匹配阈值可以根据实际情况进行设定，本实施例对预定匹配阈值的具体取值不作具体限定。一般来讲，当预定匹配阈值越大，则计算得到的匹配度值大于预定匹配阈值时，则表明该生理特征与存储的该转移账号的生理特征模型越匹配。
当在该生理特征与存储的该转移账号的生理特征模型匹配时，通常表明此时的资源转移是比较安全的，为了降低资源转移时安全性所需考虑的各种各样的密码(比如转移密码、验证密码等)所造成的转移复杂度，可以按照简化的资源转移流程转移该资源，这里所讲的简化的资源转移流程为直接转移该资源，或为至少跳过对转移该资源时所需的转移密码、验证码或接收到的动态信息中至少一种进行验证后所进行的资源转移。
也就是说，当资源转移流程中通常包括对转移密码进行验证、对验证码进行验证，或者对接收到动态信息进行验证等时，此时可以跳过对其中的一项或多项进行的验证，然后直接进行未被跳过的流程以完成资源转移。比如，资源转移流程中包括对转移密码进行的验证以及对验证码进行的验证，如果跳过对验证码进行的验证，此时则仅需要进行转移密码的验证，在验证成功后，转移资源。
在步骤304中，在该生理特征与存储的该转移账号的生理特征模型不匹配时，利用默认的资源转移流程转移该资源，该默认的资源转移流程至少包括对转移该资源时所需的转移密码进行验证。
服务器计算该生理特征与存储的该转移账号的生理特征模块之间的匹配度，当计算得到的匹配度值小于预定匹配阈值时，则确定该生理特征与存储的该转移账号的生理特征模型不匹配。
当在该生理特征与存储的该转移账号的生理特征模型匹配时，通常表明此时的资源转 移是不太安全的，比如非法用户使用了合法用户的移动设备以请求资源转移，此时为了保证资源转移时的安全性，可以使用默认的资源转移流程进行资源转移，比如该默认的资源转移流程至少包括对转移该资源时所需的转移密码进行验证。
一般的，根据实际转移需要，默认的资源转移流程可以包括对转移资源时所需要的验证密码进行验证等。
综上所述，本公开实施例中提供的资源转移方法，通过在接收到转移账号请求转移资源时，若检测到预定时间段内所接收到的生理特征与转移账号的生理特征模型匹配，则转移请求的资源；由于服务器可以将接收到的生理特征与生理特征模型进行匹配，并在匹配成功后直接转移资源，因此解决了在资源转移过程中需要利用各种各样的密码以保证资源转移的安全性时，导致的资源转移流程较为复杂的问题；达到了在保证安全性的同时，降低了资源转移流程的复杂度的效果。
本公开实施例中提供的资源转移方法，通过在接收到转移账号请求转移资源时，若检测到预定时间段内所接收到的生理特征与转移账号的生理特征模型不匹配，则利用默认的资源转移流程转移该资源；由于默认的资源转移流程在转移资源时还包括转移密码的验证过程，因此可以保证转移账号在转移资源的安全性。
基于图3A所示的实施例，在一种可选的实现方式中，服务器在进行资源转移时，可以先将转移账号与用户设置的移动设备的设备标识进行绑定，并存储转移账号以及与该转移账号绑定的设备标识之间的绑定关系。请参见图3B所示，其是根据一示例性实施例示出的将转移账号以及设备标识进行绑定时的流程图，此时，该资源转移方法还可以的绑定过程为：
b1，接收为转移账号绑定移动设备的设置命令。
在实际应用中，用户可以选中与将哪些使用的移动设备与使用的转移账号进行绑定，比如，用户所用的设置终端接收用户选择的移动设备的设备标识，向服务器发送为该用户登录的转移账号绑定移动设备的设置命令，对应的，服务器可以接收到为该转移账号绑定移动设备的设置命令。
可选的，当用户的转移账号还未被绑定过移动设备时，服务器可以向该转移账号发送绑定推荐，以告知用户可以绑定移动设备，以缩短资源转移时的流程。
b2，将设置命令中选定的移动设备的设备标识与该转移账号进行绑定。
服务器在接收为转移账号绑定移动设备的设置命令之后，可以将设置命令中选定的移动设备的设备标识与该转移账号进行绑定，并存储该转移账号以及设备标识之间的绑定关系。
可选的，当用户的转移账号被绑定过之后，用户还可以取消某个或某些移动设备与该转移账号之间的绑定关系，比如，当用户某个与转移账号绑定的移动设备丢失时，为了确保该转移账号的安全性，并保证与该转移账号对应的生理特征模型的精确度，用户可以利 用该转移账号向服务器发送取消绑定请求，其中该取消绑定请求中携带想要取消的设备标识，对应的，服务器在接收到转移账号发送的取消绑定请求之后，可以取消该转移账号所绑定的该取消绑定请求携带的这些设备标识，还可以将该取消绑定请求中携带的设备标识确定为与该转移账号历史绑定过的设备标识。
综上所述，本公开实施例中提供的资源转移方法，通过将转移账号以及设备标识进行绑定并存储，以便在接收到转移账号发送的资源转移请求时，可以根据绑定的设备标识所对应的生理特征确定是否直接转移资源，从而简化了资源转移时的验证流程。
基于图3A所示的实施例，在一种可选的实现方式中，请参见图3C所示，其是根据一示例性实施例示出的建立生理特征模型并更新的流程图，此时，该资源转移方法还可以包括：
c1，接收与该转移账号绑定的至少一个移动设备采集到的生理特征。
由于移动设备在向服务器发送生理特征时，总是同时向服务器发送采集到的生理特征以及移动设备的设备标识，因此服务器可以先确定出与转移账号绑定的移动设备的设备标识，然后根据这些设备标识查找到与这些设备标识一起接收到的生理特征，也即接收与该转移账号绑定的至少一个移动设备采集到的生理特征。
c2，当未存储有该转移账号的生理特征模型时，利用接收到的生理特征建立该转移账号的生理特征模型。
当服务器还未为该转移账号建立过生理特征模型时，则服务器可以利用接收到的生理特征建立该转移账号的生理特征模型。
c3，当存储有该转移账号的生理特征模型时，若该生理特征与该生理特征模型匹配，则利用接收到的生理特征修正该转移账号的生理特征模型。
当服务器已经为该转移账号建立过生理特征模型时，为了提高生理特征模型对该转移账号的用户的标识精度，可以进一步在该生理特征与该生理特征模型匹配时，利用接收到的生理特征修正该转移账号的生理特征模型。
而当该生理特征与该生理特征模型不匹配时，通常表明采集该生理特征的移动设备出现了异常情况，此时为了避免对该转移账号的生理特征模型的干扰，可以不利用该接收到的生理特征修正该转移账号的生理特征模型。可选的，服务器可以将这种异常情况进行保存，以便于服务器根据这些异常情况，在后期对该转移账号所对应的资源转移时选用不同的支付流程。
综上所述，本公开实施例中提供的资源转移方法，通过利用接收到的与该转移账号绑定的至少一个移动设备采集到的生理特征，为该转移账号建立生理特征模型，或，当存储有该转移账号的生理特征模型且该生理特征与该生理特征模型匹配，利用接收到的生理特征修正该转移账号的生理特征模型；根据学习的过程建立生理特征模型，并不断的更新和完善该生理特征模型，从而使得该生理特征模型能更精确的标识该转移账号所对应的用 户，进而提高了资源转移的安全性。
基于图3A所示的实施例，在一种可选的实现方式中，请参见图3D所示，其是根据一示例性实施例示出的异常提醒时的流程图，该资源转移方法还可以包括：
d1，在接收与转移账号绑定的移动设备发送的生理特征时，检测是否符合异常提示条件。
这里所讲的异常提示条件包括获取的与生理特征一起发送的设备标识被历史绑定过该转移账号且当前不与该转移账号绑定，或，在预定时长内未接收到与该转移账号绑定的移动设备发送的生理特征。
由于移动设备在向服务器发送生理特征时，总是同时向服务器发送采集到的生理特征以及移动设备的设备标识，因此服务器在接收到生理特征时，可以获取与该生理特征一起发送的设备标识。当与该转移账号绑定的移动设备丢失后，合法用户通常会取消该移动设备与该转移账号的绑定，以避免该移动设备采集到的生理特征继续修正该用户转移账号的生理特征模型，从而导致生理特征模型不准确，因此当某个移动设备的设备标识被历史过绑定某个转移账号，但后来又被取消了与该转移账号的绑定，如果再次接收到该移动设备发送的生理特征，则认为发生了异常情况，即符合异常提示条件，需要对用户进行异常提示。
在另一种情况下，当预定时长内未接收到与该转移账号绑定的移动设备发送的生理特征，则通常表明该移动设备长时间未连接，或者该移动设备被刷新了系统(被刷新系统的移动设备的设备标识可能会被刷新)，因此服务器无法获得或识别出该移动设备获取的生理特征，因此无法实时进行生理特征模型的修正，此时则认为发生了异常情况，即符合异常提示条件，需要对用户进行异常提示。
d2，若存在异常提示条件，则向该转移账号发送异常提示信息。
可选的，服务器在向该转移账号发送异常提示信息之后，可以将该异常提示信息进行保存，并记录保存时刻，如果从保存时刻起的预定时长时，接收到了该转移账号发送的资源转移请求，则利用默认的资源转移流程转移该资源，该默认的资源转移流程至少包括对转移该资源时所需的转移密码进行验证，以保证资源转移的安全性。
可选的，在向该转移账号发送异常提示信息之后，如果后续接收到资源转移请求，为了保证资源转移的安全性，则会利用默认的资源转移流程转移请求转移的资源，默认的资源转移流程至少包括对转移资源时所需的转移密码进行验证。
综上所述，本公开实施例中提供的资源转移方法，通过在接收到生理特征时，获取与该生理特征一起发送的设备标识，当该设备标识被历史绑定过该转移账号且当前不与该转移账号的绑定时，向该转移账号发送异常提示信息；从而可以将异常情况及时告知给用户，提高了用户的使用体验以及安全性。
本公开实施例中提供的资源转移方法，通过在向该转移账号发送异常情况之后，如果 预定时长内接收到了该转移账号发送的资源转移请求，则利用默认的资源转移流程转移该资源，以保证资源转移的安全性。
需要补充说明的是，上述图3A可以单独实施成为资源转移方法，也可以与图3B、图3C和图3D中的一种、两种或全部实施成为资源转移方法。
下述为本公开装置实施例，可以用于执行本公开方法实施例。对于本公开装置实施例中未披露的细节，请参照本公开方法实施例。
图4是根据一示例性实施例示出的一种资源转移装置的框图，如图4所示，该资源转移装置应用于图1所示实施环境中的服务器140中，该资源转移装置包括但不限于：第一接收模块402、第一检测模块404和第一转移模块406。
该第一接收模块402，被配置为接收利用转移账号发送的用于请求转移资源的资源转移请求；
该第一检测模块404，被配置为检测是否接收到与该转移账号绑定的移动设备采集的生理特征；
该第一转移模块406，被配置为在第一检测模块404检测接收到与该转移账号绑定的移动设备采集的生理特征，则在该生理特征与存储的该转移账号的生理特征模型匹配时，转移该资源。
综上所述，本公开实施例中提供的资源转移装置，通过在接收到转移账号请求转移资源时，若检测到预定时间段内所接收到的生理特征与转移账号的生理特征模型匹配，则转移请求的资源；由于服务器可以将接收到的生理特征与生理特征模型进行匹配，并在匹配成功后直接转移资源，因此解决了在资源转移过程中需要利用各种各样的密码以保证资源转移的安全性时，导致的资源转移流程较为复杂的问题；达到了在保证安全性的同时，降低了资源转移流程的复杂度的效果。
图5是根据另一示例性实施例示出的一种资源转移装置的框图，如图5所示，该资源转移装置应用于图1所示实施环境中的服务器140中，该资源转移装置包括但不限于：第一接收模块502、第一检测模块504和第一转移模块506。
该第一接收模块502，被配置为接收利用转移账号发送的用于请求转移资源的资源转移请求；
该第一检测模块504，被配置为检测是否接收到与该转移账号绑定的移动设备采集的生理特征；
该第一转移模块506，被配置为在第一检测模块504检测接收到与该转移账号绑定的移动设备采集的生理特征，则在该生理特征与存储的该转移账号的生理特征模型匹配时，转移该资源。
在一种可选的实现方式中，该第一检测模块504可以包括：确定子模块504a和检测 子模块504b。
确定子模块504a，被配置为确定接收到该资源转移请求的接收时刻；
检测子模块504b，被配置为检测在包含有该确定子模块504a确定的该接收时刻的预定时间段内是否接收到与该转移账号绑定的移动设备采集的生理特征。
在一种可选的实现方式中，该资源转移装置还可以包括：第二接收模块508和绑定模块510。
第二接收模块508，被配置为接收为该转移账号绑定移动设备的设置命令；
绑定模块510，被配置为将第二接收模块508接收到的设置命令中选定的移动设备的设备标识与该转移账号进行绑定。
在一种可选的实现方式中，该资源转移装置还可以包括：建立模块514和修正模块516。
建立模块514，被配置为当未存储有该转移账号的生理特征模型时，利用接收到的生理特征建立该转移账号的生理特征模型；
修正模块516，被配置为当存储有该转移账号的生理特征模型时，若该生理特征与该生理特征模型匹配，则利用接收到的该生理特征修正该转移账号的生理特征模型。
在一种可选的实现方式中，该资源转移装置还可以包括：第二检测模块518和发送模块520。
第二检测模块518，被配置为在接收与该转移账号绑定的移动设备发送的生理特征时，检测是否符合异常提示条件，该异常提示条件包括获取的与该生理特征一起发送的设备标识被历史绑定过该转移账号且当前不与该转移账号绑定，或，在预定时长内未接收到与该转移账号绑定的移动设备发送的生理特征；
发送模块520，被配置为在该第二检测模块518检测到存在该异常提示条件时，向该转移账号发送异常提示信息。
在一种可选的实现方式中，该第一转移模块506，还可以被配置为：
按照简化的资源转移流程转移该资源，简化的资源转移流程为直接转移该资源，或为至少跳过对转移该资源时所需的转移密码、验证码或接收到的动态信息中至少一种进行验证后所进行的资源转移。
在一种可选的实现方式中，该资源转移装置还可以包括：第二转移模块522。
第二转移模块522，被配置为在该生理特征与存储的该转移账号的生理特征模型不匹配时，利用默认的资源转移流程转移该资源，该默认的资源转移流程至少包括对转移该资源时所需的转移密码进行验证。
综上所述，本公开实施例中提供的资源转移装置，通过在接收到转移账号请求转移资源时，若检测到预定时间段内所接收到的生理特征与转移账号的生理特征模型匹配，则转移请求的资源；由于服务器可以将接收到的生理特征与生理特征模型进行匹配，并在匹配成功后直接转移资源，因此解决了在资源转移过程中需要利用各种各样的密码以保证资源 转移的安全性时，导致的资源转移流程较为复杂的问题；达到了在保证安全性的同时，降低了资源转移流程的复杂度的效果。
本公开实施例中提供的资源转移装置，通过在接收到转移账号请求转移资源时，若检测到预定时间段内所接收到的生理特征与转移账号的生理特征模型不匹配，则利用默认的资源转移流程转移该资源；由于默认的资源转移流程在转移资源时还包括转移密码的验证过程，因此可以保证转移账号在转移资源的安全性。
本公开实施例中提供的资源转移装置，通过将转移账号以及设备标识进行绑定并存储，以便在接收到转移账号发送的资源转移请求时，可以根据绑定的设备标识所对应的生理特征确定是否直接转移资源，从而简化了资源转移时的验证流程。
本公开实施例中提供的资源转移装置，通过利用接收到的与该转移账号绑定的至少一个移动设备采集到的生理特征，为该转移账号建立生理特征模型，或，当存储有该转移账号的生理特征模型且该生理特征与该生理特征模型匹配，利用接收到的生理特征修正该转移账号的生理特征模型；根据学习的过程建立生理特征模型，并不断的更新和完善该生理特征模型，从而使得该生理特征模型能更精确的标识该转移账号所对应的用户，进而提高了资源转移的安全性。
本公开实施例中提供的资源转移装置，通过在接收到生理特征时，获取与该生理特征一起发送的设备标识，当该设备标识被历史绑定过该转移账号且当前不与该转移账号的绑定时，向该转移账号发送异常提示信息；从而可以将异常情况及时告知给用户，提高了用户的使用体验以及安全性。
关于上述实施例中的装置，其中各个模块执行操作的具体方式已经在有关该方法的实施例中进行了详细描述，此处将不做详细阐述说明。
本公开一示例性实施例提供了一种资源转移装置，应用于图1所示实施环境中的服务器140中，能够实现本公开提供的资源转移方法，该资源转移装置包括：处理器、用于存储处理器可执行指令的存储器；
其中，处理器被配置为：
接收利用转移账号发送的用于请求转移资源的资源转移请求，记录接收时刻；
检测在包含有该接收时刻的预定时间段内是否接收到与该转移账号绑定的移动设备采集的生理特征；
若检测到在包含有该接收时刻的预定时间段内接收到与该转移账号绑定的移动设备采集的生理特征，则在该生理特征与存储的该转移账号的生理特征模型匹配时，转移该资源。
图6是根据一示例性实施例示出的一种用于转移资源的装置的框图。例如，装置600 可以被提供为一服务器。参照图6，装置600包括处理组件602，其进一步包括一个或多个处理器，以及由存储器604所代表的存储器资源，用于存储可由处理组件602的执行的指令，例如应用程序。存储器604中存储的应用程序可以包括一个或一个以上的每一个对应于一组指令的模块。此外，处理组件602被配置为执行指令，以执行上述资源转移方法。
装置600还可以包括一个电源组件606被配置为执行装置600的电源管理，一个有线或无线网络接口608被配置为将装置600连接到网络，和一个输入输出(I/O)接口610。装置600可以操作基于存储在存储器604的操作系统，例如Windows ServerTM，Mac OS XTM，UnixTM，LinuxTM，FreeBSDTM或类似。
本领域技术人员在考虑说明书及实践这里公开的发明后，将容易想到本公开的其它实施方案。本申请旨在涵盖本公开的任何变型、用途或者适应性变化，这些变型、用途或者适应性变化遵循本公开的一般性原理并包括本公开未公开的本技术领域中的公知常识或惯用技术手段。说明书和实施例仅被视为示例性的，本公开的真正范围和精神由下面的权利要求指出。
应当理解的是，本公开并不局限于上面已经描述并在附图中示出的精确结构，并且可以在不脱离其范围进行各种修改和改变。本公开的范围仅由所附的权利要求来限制。

Claims (15)

  1. 一种资源转移方法，其特征在于，所述方法包括：
    接收利用转移账号发送的用于请求转移资源的资源转移请求；
    检测是否接收到与所述转移账号绑定的移动设备采集的生理特征；
    若检测接收到与所述转移账号绑定的移动设备采集的生理特征，则在所述生理特征与存储的所述转移账号的生理特征模型匹配时，转移所述资源。
  2. 根据权利要求1所述的方法，其特征在于，所述检测是否接收到与所述转移账号绑定的移动设备采集的生理特征，包括：
    确定接收到所述资源转移请求的接收时刻；
    检测在包含有所述接收时刻的预定时间段内是否接收到与所述转移账号绑定的移动设备采集的生理特征。
  3. 根据权利要求1所述的方法，其特征在于，所述方法还包括：
    接收为所述转移账号绑定移动设备的设置命令；
    将所述设置命令中选定的移动设备的设备标识与所述转移账号进行绑定。
  4. 根据权利要求1所述的方法，其特征在于，所述方法还包括：
    当未存储有所述转移账号的生理特征模型时，利用接收到的所述生理特征建立所述转移账号的生理特征模型；
    当存储有所述转移账号的生理特征模型时，若所述生理特征与所述生理特征模型匹配，则利用接收到的所述生理特征修正所述转移账号的生理特征模型。
  5. 根据权利要求1所述的方法，其特征在于，所述方法还包括：
    在接收与所述转移账号绑定的移动设备发送的生理特征时，检测是否符合异常提示条件，所述异常提示条件包括获取的与所述生理特征一起发送的设备标识被历史绑定过所述转移账号且当前不与所述转移账号绑定，或，在预定时长内未接收到与所述转移账号绑定的移动设备发送的生理特征；
    若存在所述异常提示条件，则向所述转移账号发送异常提示信息。
  6. 根据权利要求1所述的方法，其特征在于，所述转移所述资源，包括：
    按照简化的资源转移流程转移所述资源，所述简化的资源转移流程为直接转移所述资源，或为至少跳过对转移所述资源时所需的转移密码、验证码或接收到的动态信息中至少一种进行验证后所进行的资源转移。
  7. 根据权利要求1至6中任一所述的方法，其特征在于，所述方法还包括：
    在所述生理特征与存储的所述转移账号的生理特征模型不匹配时，利用默认的资源转移流程转移所述资源，所述默认的资源转移流程至少包括对转移所述资源时所需的转移密码进行验证。
  8. 一种资源转移装置，其特征在于，所述装置包括：
    第一接收模块，被配置为接收利用转移账号发送的用于请求转移资源的资源转移请求；
    第一检测模块，被配置为检测是否接收到与所述转移账号绑定的移动设备采集的生理特征；
    第一转移模块，被配置为在所述第一检测模块检测接收到与所述转移账号绑定的移动设备采集的生理特征，则在所述生理特征与存储的所述转移账号的生理特征模型匹配时，转移所述资源。
  9. 根据权利要求8所述的装置，其特征在于，所述第一检测模块，包括：
    确定子模块，被配置为确定接收到所述资源转移请求的接收时刻；
    检测子模块，被配置为检测在包含有所述确定子模块确定的所述接收时刻的预定时间段内是否接收到与所述转移账号绑定的移动设备采集的生理特征。
  10. 根据权利要求8所述的装置，其特征在于，所述装置还包括：
    第二接收模块，被配置为接收为所述转移账号绑定移动设备的设置命令；
    绑定模块，被配置为将所述第二接收模块接收到的所述设置命令中选定的移动设备的设备标识与所述转移账号进行绑定。
  11. 根据权利要求8所述的装置，其特征在于，所述装置还包括：
    建立模块，被配置为当未存储有所述转移账号的生理特征模型时，利用接收到的所述生理特征建立所述转移账号的生理特征模型；
    修正模块，被配置为当存储有所述转移账号的生理特征模型时，若所述生理特征与所述生理特征模型匹配，则利用接收到的所述生理特征修正所述转移账号的生理特征模型。
  12. 根据权利要求8所述的装置，其特征在于，所述装置还包括：
    第二检测模块，被配置为在接收与所述转移账号绑定的移动设备发送的生理特征时，检测是否符合异常提示条件，所述异常提示条件包括获取的与所述生理特征一起发送的设备标识被历史绑定过所述转移账号且当前不与所述转移账号绑定，或，在预定时长内未接收到与所述转移账号绑定的移动设备发送的生理特征；
    发送模块，被配置为在所述第二检测模块检测到存在所述异常提示条件时，向所述转 移账号发送异常提示信息。
  13. 根据权利要求8所述的装置，其特征在于，所述第一转移模块，还被配置为：
    按照简化的资源转移流程转移所述资源，所述简化的资源转移流程为直接转移所述资源，或为至少跳过对转移所述资源时所需的转移密码、验证码或接收到的动态信息中至少一种进行验证后所进行的资源转移。
  14. 根据权利要求8至13中任一所述的装置，其特征在于，所述装置还包括：
    第二转移模块，被配置为在所述生理特征与存储的所述转移账号的生理特征模型不匹配时，利用默认的资源转移流程转移所述资源，所述默认的资源转移流程至少包括对转移所述资源时所需的转移密码进行验证。
  15. 一种资源转移装置，其特征在于，所述装置包括：
    处理器；
    用于存储所述处理器可执行指令的存储器；
    其中，所述处理器被配置为：
    接收利用转移账号发送的用于请求转移资源的资源转移请求；
    检测是否接收到与所述转移账号绑定的移动设备采集的生理特征；
    若检测接收到与所述转移账号绑定的移动设备采集的生理特征，则在所述生理特征与存储的所述转移账号的生理特征模型匹配时，转移所述资源。
PCT/CN2015/077858 2014-12-27 2015-04-29 资源转移方法及装置 Ceased WO2016101480A1 (zh)

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RU2015127423A (ru) 2017-01-13
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CN104574048A (zh) 2015-04-29
KR20160091248A (ko) 2016-08-02
CN104574048B (zh) 2018-04-06
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US20160191492A1 (en) 2016-06-30

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