WO2016169269A1 - 数值转移方法、终端及云端服务器 - Google Patents

数值转移方法、终端及云端服务器 Download PDF

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Publication number
WO2016169269A1
WO2016169269A1 PCT/CN2015/095190 CN2015095190W WO2016169269A1 WO 2016169269 A1 WO2016169269 A1 WO 2016169269A1 CN 2015095190 W CN2015095190 W CN 2015095190W WO 2016169269 A1 WO2016169269 A1 WO 2016169269A1
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Prior art keywords
value
user
information
terminal
value transfer
Prior art date
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Ceased
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PCT/CN2015/095190
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English (en)
French (fr)
Inventor
蒋黎峰
江波
李锋
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Xiaomi Inc
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Xiaomi Inc
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Publication date
Application filed by Xiaomi Inc filed Critical Xiaomi Inc
Priority to JP2017513312A priority Critical patent/JP2017515253A/ja
Priority to KR1020167006676A priority patent/KR20160135696A/ko
Priority to RU2016134770A priority patent/RU2644076C1/ru
Priority to MX2016002665A priority patent/MX2016002665A/es
Publication of WO2016169269A1 publication Critical patent/WO2016169269A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/306—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using TV related infrastructures
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Definitions

  • the present disclosure relates to the field of the Internet, and in particular, to a numerical transfer method, a terminal, and a cloud server.
  • Smart TVs have a fully open platform and are equipped with an operating system that allows users to install and uninstall applications themselves. Therefore, smart TVs are increasingly favored by users and gradually replace traditional TVs. In addition, with the prevalence of online transactions, the method of conducting online transactions through smart TVs has also received much attention.
  • a network transaction is performed through a smart TV, some value transfer to a virtual currency or an actual currency is usually involved, and when the value is transferred, the user is often required to manually input the value for transfer on the smart TV.
  • the account and account passwords are used to complete the value transfer.
  • the present disclosure provides a numerical transfer method, a terminal, and a cloud server.
  • a numerical transfer method comprising:
  • the value transfer request carries user feature information, a user account currently registered by the terminal, and a target value currently performing value transfer, and the user feature information is that the terminal performs feature extraction on the target image. get;
  • a value transfer is performed based on the credit information, the historical value transfer record, and the target value.
  • the performing the value transfer based on the credit information, the historical value transfer record, and the target value includes:
  • the target address information is address information currently undergoing numerical transfer.
  • the that is based on the credit limit, the remaining value of the user account, the target value, and the cloud are converted to values, including:
  • the target value is deducted from the remaining value of the user account, and the deducted target value is added to the remaining value of the cloud server;
  • the acquiring the user's credit information and the historical value transfer record based on the user feature information and the user account including:
  • the obtaining, according to the identity identifier of the user, the acquiring the credit information of the user includes:
  • the found credit information is determined as the credit information of the user.
  • the correspondence between the stored identity identifier and the credit information based on the identity identifier of the user After finding the corresponding credit information also includes:
  • the information acquisition request is sent to the credit information server, where the information acquisition request carries the identity identifier of the user;
  • the received credit information is determined as the credit information of the user.
  • a numerical transfer method comprising:
  • a cloud server includes:
  • a receiving module configured to receive a value transfer request sent by the terminal, where the value transfer request carries user feature information, a user account currently logged in by the terminal, and a target value currently performing value transfer, where the user feature information is the terminal pair Feature image extraction is performed on the target image;
  • An obtaining module configured to acquire, according to the user feature information and the user account, a credit information and a historical value transfer record of the user;
  • a value transfer module configured to perform value transfer based on the credit information, the historical value transfer record, and the target value.
  • the value transfer module includes:
  • a determining unit configured to determine a credit limit of the user based on the credit information and the historical value transfer record
  • a first obtaining unit configured to acquire at least one common address information from a correspondence between the stored user account and the common address information based on the user account;
  • a sending unit configured to send the at least one common address information to the terminal, so that the terminal displays the at least one common address information
  • a value transfer unit configured to: when receiving the target address information sent by the terminal based on the at least one common address information, based on the credit limit, the remaining value of the user account, the target value, and the remaining of the cloud server The value is transferred, and the target address information is address information currently undergoing numerical transfer.
  • the value transfer unit includes:
  • a first deduction subunit configured to: when the remaining value of the user account is greater than or equal to the target value, deduct the target value from the remaining value of the user account, and add the deducted target value to the cloud server Of the remaining values;
  • a determining subunit configured to determine, when the remaining value of the user account is less than the target value, whether the credit limit is greater than the target value
  • a calculating subunit configured to calculate a difference between a remaining value of the user account and the target value when the credit limit is greater than the target value
  • a second deduction subunit configured to deduct the remaining value of the user account, and add the deducted remaining value to the remaining value of the cloud server;
  • a setting subunit configured to set a to-be-processed value of the user account to the difference value, and set a processing period for the to-be-processed value, so that the terminal is in the user account before the processing deadline Increase the difference.
  • the acquiring module includes:
  • a second acquiring unit configured to perform correspondence between the stored feature information and the identity identifier based on the user feature information In the relationship, obtain the identity of the user;
  • a third obtaining unit configured to acquire credit information of the user based on the identity identifier of the user
  • the fourth obtaining unit is configured to obtain a corresponding historical value transfer record from the correspondence between the stored user account and the historical value transfer record based on the user account.
  • the third acquiring unit includes:
  • a searching subunit configured to search for corresponding credit information from a correspondence between the stored identity and the credit information based on the identity of the user
  • the first determining subunit is configured to determine the found credit information as the credit information of the user if the corresponding credit information is found.
  • the third acquiring unit further includes:
  • a sending subunit configured to send an information obtaining request to the credit information server if the corresponding credit information is not found, where the information acquiring request carries the identity identifier of the user;
  • a second determining subunit configured to determine the received credit information as the credit information of the user when receiving the credit information sent by the credit information server.
  • a terminal comprising:
  • An image acquisition module configured to perform image collection on a user currently using the terminal when receiving the numerical value transfer instruction, to obtain a target image
  • An extraction module configured to extract user feature information in the target image
  • a first sending module configured to send a value transfer request to the cloud server, so that the cloud server performs a value transfer based on the value transfer request, where the value transfer request carries the user feature information, and the user account currently logged in by the terminal And the target value of the current value transfer.
  • a cloud server includes:
  • a memory for storing processor executable instructions
  • processor is configured to:
  • the value transfer request carries user feature information, a user account currently registered by the terminal, and a target value currently performing value transfer, and the user feature information is that the terminal performs feature extraction on the target image. get;
  • a value transfer is performed based on the credit information, the historical value transfer record, and the target value.
  • a terminal comprising:
  • a memory for storing processor executable instructions
  • processor is configured to:
  • the technical solution provided by the embodiment of the present disclosure may include the following beneficial effects: in the embodiment of the present disclosure, when the terminal receives the value transfer instruction, performing image acquisition on the user currently using the terminal to obtain a target image, by extracting the target The user characteristic information of the image prevents the user from manually inputting the account and password for numerical transfer, and the operation is simple, and the security of the numerical transfer is also improved. Moreover, the cloud server transfers the value by acquiring the user's credit information and historical value transfer records, and further ensures the security of the value transfer.
  • FIG. 1 is a flow chart showing a method of numerical transfer according to an exemplary embodiment.
  • FIG. 2 is a flow chart showing a method of numerical transfer according to an exemplary embodiment.
  • FIG. 3 is a flow chart showing a method of numerical transfer according to an exemplary embodiment.
  • FIG. 4 is a block diagram of a cloud server according to an exemplary embodiment.
  • FIG. 5 is a block diagram of a value transfer module, according to an exemplary embodiment.
  • FIG. 6 is a block diagram of a terminal according to an exemplary embodiment.
  • FIG. 7 is a block diagram of a terminal, according to an exemplary embodiment.
  • FIG. 8 is a block diagram of a cloud server according to an exemplary embodiment.
  • FIG. 9 is a block diagram of a terminal, according to an exemplary embodiment.
  • FIG. 1 is a flow chart showing a method of numerical transfer according to an exemplary embodiment. As shown in FIG. 1, the value transfer method is used in a cloud server, and includes the following steps.
  • step 101 a value transfer request sent by the terminal is received, where the value transfer request carries user feature information, and the The user account currently logged in by the terminal and the target value of the current value transfer.
  • the user feature information is obtained by the terminal extracting the feature image of the target image.
  • step 102 based on the user feature information and the user account, the user's credit information and historical value transfer records are acquired.
  • step 103 the value transfer is performed based on the credit information, the historical value transfer record, and the target value.
  • the terminal prevents the user from manually inputting the account and the password for performing the value transfer by extracting the user feature information of the target image, and the operation is simple, and the security of the value transfer is also improved.
  • the cloud server performs value transfer by acquiring the user's credit information and historical value transfer records, does not involve an account for performing numerical transfer, and further ensures the security of the value transfer through the user's credit.
  • the value transfer is performed based on the credit information, the historical value transfer record, and the target value, including:
  • the target address information When receiving the target address information sent by the terminal based on the at least one common address information, performing value transfer based on the credit limit of the user, the remaining value of the user account, the target value, and the remaining value of the cloud server, where the target address information is The address information currently being transferred by value.
  • the value transfer is performed based on the credit line of the user, the remaining value of the user account, the target value, and the remaining value of the cloud server, including:
  • the target value is subtracted from the remaining value of the user account, and the deducted target value is added to the remaining value of the cloud server;
  • the value to be processed of the user account is set to the calculated difference value, and a processing period is set for the value to be processed, so that the terminal adds the difference to the user account before the processing deadline.
  • the user's credit information and historical value transfer records are obtained based on the user feature information and the user account, including:
  • the corresponding historical value transfer record is obtained from the correspondence between the stored user account and the historical value transfer record.
  • acquiring credit information of the user based on the identity of the user includes:
  • the found credit information is determined as the credit information of the user.
  • the method further includes:
  • the information acquisition request is sent to the credit information server, where the information acquisition request carries the identity identifier of the user;
  • the received credit information is determined as the credit information of the user.
  • FIG. 2 is a flowchart of a value transfer method according to an exemplary embodiment. As shown in FIG. 2, the value transfer method is used in a terminal, and includes the following steps.
  • step 201 when a numerical value transfer instruction is received, image acquisition is performed on the user currently using the terminal to obtain a target image.
  • step 202 user feature information in the target image is extracted.
  • step 203 the value transfer request is sent to the cloud server, so that the cloud server performs a value transfer based on the value transfer request, and the value transfer request carries the user characteristic information, the user account currently registered by the terminal, and the target value of the current value transfer.
  • the terminal when the terminal receives the value transfer instruction, the user who currently uses the terminal performs image collection to obtain a target image, and by extracting user feature information of the target image, the user is prevented from manually inputting the account for performing numerical transfer. And password, easy to operate, and also improve the security of the value transfer.
  • the method after sending the value transfer request to the cloud server, the method further includes:
  • Target address information based on the at least one common address information, where the target address information is address information currently performing value transfer;
  • determining the target address information based on the at least one common address information includes:
  • the designated common address information is determined as the target address information
  • the address information determined by the user in a specified manner is received, and the target address information is determined based on the received address information, where the specified manner includes a voice, a remote controller, or a bit Positioning.
  • determining the target address information based on the received address information includes:
  • the corrected address information is determined as the target address information.
  • FIG. 3 is a flow chart showing a method of numerical transfer according to an exemplary embodiment. As shown in FIG. 3, the numerical transfer method may include the following steps.
  • step 301 when the terminal receives the value transfer instruction, the user who currently uses the terminal performs image acquisition to obtain a target image.
  • the terminal may perform image acquisition on the user currently using the terminal through the image acquisition device to obtain a target image.
  • the image collection device may include a camera that is provided by the terminal, an external camera of the terminal, a fingerprint collection device, and the like.
  • the body that triggers the value transfer instruction may be a user, that is, the user may submit a value transfer instruction to the terminal through the first specified operation.
  • the first specified operation may be a sliding operation, a voice operation, a click value transfer button, and the like, and the embodiment of the present disclosure does not specifically limit this.
  • the terminal may be not only a smart TV, but also a terminal such as a computer, a mobile phone, or a PAD.
  • step 303 the terminal extracts user feature information in the target image.
  • the target image may be a face image of a user using the terminal, an iris image of the user's eyes, and, of course, a fingerprint image of the user.
  • the terminal may perform facial feature extraction on the target image to obtain user feature information.
  • the user feature information may include a contour of the face and a position of the facial features. The embodiment of the present disclosure does not specifically limit this.
  • the terminal may perform iris feature extraction on the target image to obtain user feature information.
  • the user characteristic information may include the color of the iris, the shape of the iris, and the size of the iris. Etc., the embodiments of the present disclosure are also not specifically limited thereto.
  • the terminal may perform fingerprint feature extraction on the target image to obtain user feature information.
  • the user feature information may include a start position, an end position, and an intersection position of the fingerprint.
  • the embodiments of the present disclosure are also not specifically limited thereto.
  • the method for performing facial feature extraction, iris feature extraction, and fingerprint feature extraction on the target image may refer to related technologies, which is not described in detail in the embodiments of the present disclosure.
  • the terminal obtains the user feature information through the foregoing steps
  • the following manner may be adopted.
  • the value transfer is performed to prevent the user from inputting the account and password for the value transfer on the terminal, the operation is simple, the user is not easily seen, and the security is high, especially for the smart TV often placed in the living room.
  • step 304 the terminal sends a value transfer request to the cloud server, where the value transfer request carries the user feature information, the user account currently registered by the terminal, and the target value of the current value transfer.
  • the terminal may generate a value transfer request based on the user feature information, the user account currently logged in by the terminal, and the target value of the current value transfer, and send the value transfer request to the cloud server.
  • the user feature, the user account, and the target value may be directly carried in the value transfer request.
  • the user may also be specified in a specified manner.
  • the feature, the user account and the target value are encapsulated, and the encapsulated information is carried in the value transfer request.
  • the user feature, the user account, and the target value can be concatenated by specifying a string, if the specified string is #, the user attribute is feature 1, the user account is 122456, and the target value is 60.
  • the encapsulated information is: Feature 1#122456#60.
  • the user account currently logged in by the terminal is obtained by registering the terminal in the cloud server, that is, the user account currently logged in by the terminal may be a communication account.
  • step 305 when the cloud server receives the value transfer request sent by the terminal, the user's credit information and the historical value transfer record are acquired based on the user feature information and the user account.
  • the cloud server can store the user account and the value transfer record of the value transfer in the correspondence between the user account and the historical value transfer record. And then, when the cloud server receives the value transfer request sent by the terminal, the cloud server may obtain the user characteristic information carried by the value transfer request, and obtain the user from the correspondence between the stored feature information and the identity identifier. The identity identifier is obtained, and the credit information of the user is obtained based on the identity of the user; and the corresponding historical value transfer record is obtained from the correspondence between the stored user account and the historical value transfer record based on the user account.
  • the historical value transfer record may include a historical target value size for performing historical value transfer, a remaining value of the user account when the historical value is transferred, and the like, which is not specifically limited in the embodiment of the present disclosure.
  • the user feature information carried by the value transfer request is feature information 1, and the user account number is 1654663.
  • the cloud server may perform the user feature information 1 carried by the value transfer request according to the correspondence between the stored feature information and the identity identifier as shown in Table 1 below. Obtaining the identity of the user as ID1, obtaining the credit information of the user as credit information 1 based on the identity ID1 of the user, and transferring the record from the user account and the historical value shown in Table 2 below based on the user account 1654663 In the correspondence between the two, the corresponding historical value transfer record is obtained as record 1.
  • the operation of obtaining the credit information of the user by the cloud server may include: searching, according to the identity identifier of the user, the corresponding credit information from the correspondence between the stored identity identifier and the credit information; If the corresponding credit information is found, the found credit information is determined as the credit information of the user. If the corresponding credit information is not found, the information acquisition request is sent to the credit information server, where the information acquisition request carries the identity identifier of the user.
  • the corresponding credit information may be obtained from the stored correspondence between the identity identifier and the credit information based on the identity identifier of the user, and the obtained credit information is sent to the credit information.
  • Cloud server When the cloud server receives the credit information sent by the credit information server, the received credit information is determined as the credit information of the user.
  • the cloud server when the cloud server obtains the credit information of the user from the credit information server for the first time, the cloud server may store the correspondence between the identity of the user and the credit information. In this way, when the user subsequently performs value transfer, the cloud server does not need to obtain the credit information of the user again from the credit information server, thereby reducing the number of interactions between the cloud server and the credit information server, and improving the credit information acquisition efficiency.
  • the cloud server may further re-acquire the corresponding credit information from the credit information server according to each identity identifier in the correspondence between the stored identity and the credit information every specified duration, to store the identity identifier.
  • the correspondence between the credit information and the credit information is updated to ensure the real-time and accuracy of the credit information stored by the cloud server.
  • the specified duration may be set in advance, for example, the specified duration may be 3 hours, 1 day, etc., and the embodiment of the present disclosure does not specifically limit this.
  • the identity of the user may be the ID number of the user, and the correspondence between the feature information and the identity identifier may be acquired in advance and stored in the cloud server.
  • the credit information of the user may include the user's loan information, the real estate information, the motor vehicle information, the social security, the personal income tax information, and the like, which are not specifically limited in the embodiment of the present disclosure.
  • the user's credit information may be used in multiple systems, such as the banking system, therefore, cloud services
  • the method for obtaining the credit information of the user may include a plurality of methods.
  • the cloud server may also send an information acquisition request to a server of another system to obtain the credit information of the user from a server of another system. .
  • step 306 the cloud server determines the credit line of the user based on the credit information and the historical value transfer record.
  • the credit information and the historical value transfer record of the user are used to identify the credit degree of the user. Therefore, in the embodiment of the present disclosure, the cloud server may determine the credit limit of the user based on the credit information and the historical value transfer record of the user.
  • the credit information can be numerically converted to obtain a credit value
  • the historical value transfer record is numerically converted to obtain a historical transfer value
  • the credit information and the historical value transfer record are separately recorded in advance. Setting a corresponding weight, and then multiplying the credit value by the weight corresponding to the credit information to obtain a first value, multiplying the historical transfer value by the weight corresponding to the historical value transfer record to obtain a second value, and the first value Adding to the second value to obtain the credit line of the user.
  • the credit value is 500
  • the historical value is transferred and recorded
  • the historical transfer value is 300
  • the weight corresponding to the credit information is 0.8
  • the weight corresponding to the historical value transfer record is 0.2.
  • the credit value 500 is multiplied by the weight corresponding to the credit information of 0.8
  • the first value is 400
  • the historical transfer value 300 is multiplied by the weight corresponding to the historical value transfer record by 0.2
  • the second value is 60.
  • a value 400 is added to the second value 60 to obtain a credit limit of 460 for the user.
  • an average value between the credit value and the historical transfer value can be calculated, and the average value is determined as the credit limit of the user. If, the average value between the calculated credit value 500 and the historical transfer value 300 is 400, the average value 400 is determined as the user's credit limit.
  • each credit information may be divided into multiple credit levels, each credit level corresponding to a certain credit value, and then the historical value transfer record is divided into a plurality of record levels, and each record level also corresponds to a certain record value. Determining the credit level to which the acquired credit information belongs, and the record level to which the historical value transfer record belongs, and further determining the credit value corresponding to the credit level to which the acquired credit information belongs, and the record value corresponding to the record level to which the historical value transfer record belongs, and calculating The average of the credit value and the recorded value is determined as the credit limit of the user.
  • the method for determining the credit limit is not specifically limited in the embodiment of the present disclosure, and reference may be made to related technologies.
  • the cloud server obtains at least one common address information from the corresponding relationship between the stored user account and the common address information, and sends the at least one common address information to the terminal.
  • the cloud server when the cloud server sends the at least one common address information to the terminal, the at least one common address information may be stored in the common address information table, and the common address information table is sent to the terminal.
  • the common address information table is directly displayed.
  • the cloud server may also directly send the at least one common address information to the terminal, so that the terminal displays the at least one common address information in a list, and of course, may display in other manners. The embodiment of the present disclosure does not specifically limit this.
  • the at least one common address information includes address information 1, address information 2, and address information 3.
  • the three common address information are stored in the address information table shown in Table 3 below, and sent to the terminal.
  • step 308 when the terminal receives the at least one common address information, the at least one common address information is displayed, and based on the at least one common address information, the target address information is determined, and the target address information is sent to the cloud server.
  • the target address information needs to be determined. Therefore, when the terminal receives the at least one common address information, when the terminal displays the at least one common address information, the user may use the at least one commonly used address.
  • the specified address information is selected in the address information, and when the terminal receives the selection instruction for the specified common address information in the at least one common address information, the designated common address information is determined as the target address information.
  • the terminal when the terminal receives the at least one common address information, displaying the at least one common address information, when the terminal does not receive the selection instruction for the specified common address information in the at least one common address information, and receives the address information.
  • the terminal may receive the address information determined by the user in a specified manner, and determine the target address information based on the received address information, and the specified manner may include voice, a remote controller, or a position fix.
  • the operation of determining the target address information based on the received address information may be: directly determining the received address information as the target address information.
  • the user may also correct the received address information.
  • the user may submit an address information modification instruction to the terminal. .
  • the terminal After receiving the address information modification instruction, the terminal receives the modified address information obtained by modifying the received address information by the user; and determining the modified address information as the target address information.
  • the terminal information 2 is determined as the target address information. If the terminal does not receive the selection instruction and receives the address information input instruction, the terminal can receive the address information determined by the user in the specified manner as the address information 6, and the user corrects the address information 6, the user The address information modification instruction can be submitted to the terminal. After receiving the address information modification instruction, the terminal receives the modified address information obtained by modifying the address information 6 by the user as the address information 61; and determines the address information 61 as the target address information.
  • the target address information may be determined based on the at least one common address information, and may be determined by other means, for example, the frequency of use of the at least one common address information may be determined. Select the most frequently used address information with the highest frequency and determine the target address information based on the selected common address information. Alternatively, from the at least one common address information, the common address information that is closest to the current time may be selected, and the target address information is determined based on the selected common address information.
  • the terminal may receive address information input by the user through voice.
  • the terminal can receive the address information input by the user through the remote controller.
  • the terminal may locate the location where the terminal is currently located, obtain location information of the terminal, and determine location information of the terminal as the received address information.
  • the address information modification instruction may be that the user submits through the second specified operation, and the second designated operation may be a voice operation, a designated button of the remote controller, a remote control, etc., and the embodiment of the present disclosure does not specifically limited.
  • step 309 when the cloud server receives the target address information sent by the terminal based on the at least one common address information, based on the credit limit of the user, the remaining value of the user account, the target value, and the remaining value of the cloud server, Numerical transfer.
  • the cloud server receives the target address information sent by the terminal based on the at least one common address information, comparing the remaining value of the user account with the target value, when the remaining value of the user account is greater than or equal to the target value, Deducting the target value from the remaining value of the user account, and adding the deducted target value to the remaining value of the cloud server; when the remaining value of the user account is less than the target value, determining whether the user's credit limit is greater than the target value; When the user's credit limit is greater than the target value, the difference between the remaining value of the user account and the target value is calculated; and the remaining value of the user account is deducted, and the deducted remaining value is added to the remaining value of the cloud server; The value to be processed of the user account is set to the difference, and a processing period is set for the value to be processed, so that the terminal adds a difference to the user account before the processing deadline.
  • the user's credit limit is 460
  • the remaining value of the user account is 200
  • the target value is 350
  • the remaining value of the cloud server is 1000
  • the difference between the remaining value 200 of the user account and the target value 350 can be calculated, and the remaining value 200 of the user account is deducted, and the deducted remaining value 200 is added to the remaining value of the cloud server.
  • 1200 is obtained.
  • the value to be processed of the user account is set to 150, and the processing period is set to 10 days for the value to be processed, so that the terminal is in the 10 closest to the current time, and the user account is Increase by 150.
  • the target value may be directly deducted from the remaining value of the user account without considering the credit of the user; and when the remaining value of the user account is less than the target value
  • the cloud server needs to pad a part of the value for the user account.
  • the credit degree of the user needs to be considered, that is, the user's credit limit is compared with the target value, when the user When the credit limit is greater than the target value, the cloud server can also complete the value transfer, but the user needs to add the cloud server pad to the user account before the processing deadline, that is, add the difference to the User account.
  • the cloud server can deduct the added difference in the user account, and add the deducted difference to the remaining value of the cloud server, so as to repay the value of the cloud server before the pad, thereby increasing the convenience of the value transfer.
  • the terminal when the terminal receives the value transfer instruction, the image is collected by the user currently using the terminal to obtain a target image, and the user characteristic information of the target image is extracted to prevent the user from manually inputting the value.
  • the moved account and password are simple to operate and also improve the security of the value transfer.
  • the cloud server transfers the value by acquiring the user's credit information and historical value transfer records, and further ensures the security of the value transfer. Further, the cloud server may further acquire at least one common address information of the user. If the target address information of the current value transfer is one of the at least one common address information, the user may directly select from the at least one common address information. There is no need to input in other ways, and the convenience is higher, thereby improving the efficiency of numerical transfer.
  • FIG. 4 is a block diagram of a cloud server according to an exemplary embodiment.
  • the cloud server includes a receiving module 401, an obtaining module 402, and a value transfer module 403.
  • the receiving module 401 is configured to receive a value transfer request sent by the terminal, where the value transfer request carries user feature information, a user account currently registered by the terminal, and a target value currently performing value transfer, where the user feature information is that the terminal performs the target image.
  • Feature extraction a value transfer request sent by the terminal, where the value transfer request carries user feature information, a user account currently registered by the terminal, and a target value currently performing value transfer, where the user feature information is that the terminal performs the target image.
  • the obtaining module 402 is configured to acquire the credit information and the historical value transfer record of the user based on the user feature information and the user account;
  • the value transfer module 403 is configured to perform value transfer based on the credit information of the user, the historical value transfer record, and the target value.
  • the value transfer module 403 includes:
  • a determining unit 4031 configured to determine a credit limit of the user based on the credit information of the user and the historical value transfer record
  • the first obtaining unit 4032 is configured to obtain, according to the user account, at least one common address information from a correspondence between the stored user account and the common address information;
  • the sending unit 4033 is configured to send the at least one common address information to the terminal, so that the terminal displays the at least one common address information;
  • the value transfer unit 4034 is configured to, when receiving the target address information sent by the terminal based on the at least one common address information, based on the credit limit of the user, the remaining value of the user account, the target value, and the remaining value of the cloud server.
  • the value transfer, the target address information is the address information currently undergoing numerical transfer.
  • the value transfer unit 4034 includes:
  • a first deduction subunit configured to: when the remaining value of the user account is greater than or equal to the target value, subtract the target value from the remaining value of the user account, and add the deducted target value to the remaining value of the cloud server;
  • a determining subunit configured to determine, when the remaining value of the user account is less than the target value, whether the credit limit of the user is greater than a target value
  • a calculating subunit configured to calculate a difference between a remaining value of the user account and a target value when the credit limit of the user is greater than a target value
  • a second deduction subunit configured to deduct the remaining value of the user account, and adding the deducted remaining value to the remaining value of the cloud server;
  • the deadline is such that the terminal adds the difference to the user account before the processing deadline.
  • the obtaining module 402 includes:
  • a second acquiring unit configured to acquire, according to the user feature information, the identity identifier of the user from the correspondence between the stored feature information and the identity identifier;
  • a third obtaining unit configured to acquire credit information of the user based on the identity of the user
  • the fourth obtaining unit is configured to obtain a corresponding historical value transfer record from the correspondence between the stored user account and the historical value transfer record based on the user account.
  • the third obtaining unit includes:
  • the finding subunit is configured to search for corresponding credit information from the correspondence between the stored identity and the credit information based on the identity of the user;
  • the first determining subunit is configured to determine the found credit information as the credit information of the user if the corresponding credit information is found.
  • the third obtaining unit further includes:
  • a sending subunit configured to send an information obtaining request to the credit information server, where the information obtaining request carries the identity identifier of the user;
  • the second determining subunit is configured to determine the received credit information as the credit information of the user when receiving the credit information sent by the credit information server.
  • the terminal prevents the user from manually inputting the account and the password for performing the value transfer by extracting the user feature information of the target image, and the operation is simple, and the security of the value transfer is also improved.
  • the cloud server performs value transfer by acquiring the user's credit information and historical value transfer records, does not involve an account for performing numerical transfer, and further ensures the security of the value transfer through the user's credit.
  • FIG. 6 is a block diagram of a terminal according to an exemplary embodiment.
  • the terminal includes an image acquisition module 601, an extraction module 602, and a first transmission module 603.
  • the image acquisition module 601 is configured to: when receiving the numerical value transfer instruction, perform image collection on the user currently using the terminal to obtain a target image;
  • the first sending module 603 is configured to send a value transfer request to the cloud server, so that the cloud server performs a value transfer based on the value transfer request, where the value transfer request carries the user feature information, the user account currently logged in by the terminal, and the current value transfer.
  • the target value is configured to send a value transfer request to the cloud server, so that the cloud server performs a value transfer based on the value transfer request, where the value transfer request carries the user feature information, the user account currently logged in by the terminal, and the current value transfer.
  • the target value is configured to send a value transfer request to the cloud server, so that the cloud server performs a value transfer based on the value transfer request, where the value transfer request carries the user feature information, the user account currently logged in by the terminal, and the current value transfer.
  • the terminal further includes:
  • the receiving module 604 is configured to receive at least one common address information sent by the cloud server;
  • a display module 605, configured to display the at least one common address information
  • the determining module 606 is configured to determine target address information based on the at least one common address information, where the target address information is address information currently performing value transfer;
  • the second sending module 607 is configured to send the target address information to the cloud server.
  • the determining module 606 includes:
  • a first determining subunit configured to determine the specified common address information as the target address information when receiving the selection instruction of the specified common address information in the at least one common address information
  • a second determining subunit configured to: when receiving the selection instruction and receiving the address information input instruction, receive the address information determined by the user by using a specified manner, and determine the target address information based on the received address information, where the specified manner includes voice , remote control or position fix.
  • the second determining subunit is specifically configured to:
  • the corrected address information is determined as the target address information.
  • the terminal when the terminal receives the value transfer instruction, the user who currently uses the terminal performs image collection to obtain a target image, and by extracting user feature information of the target image, the user is prevented from manually inputting the account for performing numerical transfer. And password, easy to operate, and also improve the security of the value transfer.
  • FIG. 8 is a block diagram of a cloud server 800 for numerical transfer, according to an exemplary embodiment.
  • cloud server 800 includes a processing component 822 that further includes one or more processors, and memory resources represented by memory 832 for storing instructions executable by processing component 822, such as an application.
  • An application stored in memory 832 may include one or more modules each corresponding to a set of instructions.
  • processing component 822 is configured to execute instructions to perform the numerical transfer methods described below, including:
  • a value transfer request carries user feature information, a user account currently logged in by the terminal, and a target value currently performing value transfer, wherein the user feature information is that the terminal performs feature extraction on the target image;
  • the value transfer is performed based on the credit information, the historical value transfer record, and the target value.
  • the value transfer is performed based on the credit information, the historical value transfer record, and the target value, including:
  • the target address information When receiving the target address information sent by the terminal based on the at least one common address information, performing value transfer based on the credit limit of the user, the remaining value of the user account, the target value, and the remaining value of the cloud server, where the target address information is The address information currently being transferred by value.
  • the value transfer is performed based on the credit line of the user, the remaining value of the user account, the target value, and the remaining value of the cloud server, including:
  • the target value is subtracted from the remaining value of the user account, and the deducted target value is added to the remaining value of the cloud server;
  • the value to be processed of the user account is set to the calculated difference value, and a processing period is set for the value to be processed, so that the terminal adds the difference to the user account before the processing deadline.
  • the user's credit information and historical value transfer records are obtained based on the user feature information and the user account, including:
  • the corresponding historical value transfer record is obtained from the correspondence between the stored user account and the historical value transfer record.
  • acquiring credit information of the user based on the identity of the user includes:
  • the found credit information is determined as the credit information of the user.
  • the method further includes:
  • the information acquisition request is sent to the credit information server, where the information acquisition request carries the identity identifier of the user;
  • the received credit information is determined as the credit information of the user.
  • the cloud server 800 can also include a power component 826 configured to perform power management of the cloud server 800, a wired or wireless network interface 850 configured to connect the cloud server 800 to the network, and an input/output (I/O) interface 858 .
  • the cloud server 800 can operate based on an operating system stored in the storage 832, such as Windows. ServerTM, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM or similar.
  • FIG. 9 is a block diagram of a terminal 900 for numerical transfer, according to an exemplary embodiment.
  • the terminal 900 can be a mobile phone, a computer, a digital broadcast terminal, a messaging device, a game console, a tablet device, a medical device, a fitness device, a personal digital assistant, and the like.
  • terminal 900 can include one or more of the following components: processing component 902, memory 904, power component 906, multimedia component 908, audio component 910, input/output (I/O) interface 912, sensor component 914, And a communication component 916.
  • Processing component 902 typically controls the overall operation of terminal 900, such as operations associated with display, telephone calls, data communications, camera operations, and recording operations.
  • Processing component 802 can include one or more processors 920 to execute instructions to perform all or part of the steps described above.
  • processing component 902 can include one or more modules to facilitate interaction between component 902 and other components.
  • processing component 902 can include a multimedia module to facilitate interaction between multimedia component 908 and processing component 902.
  • the memory 904 is configured to store various types of data to support operation at the terminal 900. Examples of such data include instructions for any application or method operating on terminal 900, contact data, phone book data, messages, pictures, videos, and the like.
  • the memory 904 can be implemented by any type of volatile or non-volatile storage device, or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read only memory (EEPROM), erasable.
  • SRAM static random access memory
  • EEPROM electrically erasable programmable read only memory
  • EPROM Programmable Read Only Memory
  • PROM Programmable Read Only Memory
  • ROM Read Only Memory
  • Magnetic Memory Flash Memory
  • Disk Disk or Optical Disk.
  • Power component 906 provides power to various components of terminal 900.
  • Power component 906 can include a power management system, one or more power sources, and other components associated with generating, managing, and distributing power for terminal 900.
  • the multimedia component 908 includes a screen between the terminal 900 and the user that provides an output interface.
  • the screen can include a liquid crystal display (LCD) and a touch panel (TP). If the screen includes a touch panel, the screen can be implemented as a touch screen to receive input signals from the user.
  • the touch panel includes one or more touch sensors to sense touches, slides, and gestures on the touch panel. The touch sensor may sense not only the boundary of the touch or sliding action, but also the duration and pressure associated with the touch or slide operation.
  • the multimedia component 908 includes a front camera and/or a rear camera. When the terminal 900 is in an operation mode, such as a shooting mode or a video mode, the front camera and/or the rear camera can receive external multimedia data. Each front and rear camera can be a fixed optical lens system or have focal length and optical zoom capabilities.
  • the audio component 910 is configured to output and/or input an audio signal.
  • the audio component 910 includes a microphone (MIC) that is configured to receive an external audio signal when the terminal 900 is in an operational mode, such as a call mode, a recording mode, and a voice recognition mode.
  • the received audio signal may be further stored in memory 904 or transmitted via communication component 916.
  • the audio component 910 also includes a speaker for outputting an audio signal.
  • the I/O interface 912 provides an interface between the processing component 902 and the peripheral interface module, which may be a keyboard, a click wheel, a button, or the like. These buttons can include, but are not limited to, home button, volume button, start button, and lock Button.
  • Sensor component 914 includes one or more sensors for providing terminal 900 with various aspects of status assessment.
  • sensor component 914 can detect an open/closed state of terminal 900, a relative positioning of components, such as the display and keypad of terminal 900, and sensor component 914 can also detect a change in position of a component of terminal 900 or terminal 900. The presence or absence of contact of the user with the terminal 900, the orientation or acceleration/deceleration of the terminal 900 and the temperature change of the terminal 900.
  • Sensor assembly 914 can include a proximity sensor configured to detect the presence of nearby objects without any physical contact.
  • Sensor assembly 914 may also include a light sensor, such as a CMOS or CCD image sensor, for use in imaging applications.
  • the sensor component 914 can also include an acceleration sensor, a gyro sensor, a magnetic sensor, a pressure sensor, or a temperature sensor.
  • Communication component 916 is configured to facilitate wired or wireless communication between terminal 900 and other devices.
  • the terminal 900 can access a wireless network based on a communication standard such as WiFi, 2G or 3G, or a combination thereof.
  • the communication component 916 receives a broadcast signal or broadcast associated information from an external broadcast management system via a broadcast channel.
  • the communication component 916 also includes a near field communication (NFC) module to facilitate short range communication.
  • NFC near field communication
  • the NFC module can be implemented based on radio frequency identification (RFID) technology, infrared data association (IrDA) technology, ultra-wideband (UWB) technology, Bluetooth (BT) technology, and other technologies.
  • RFID radio frequency identification
  • IrDA infrared data association
  • UWB ultra-wideband
  • Bluetooth Bluetooth
  • terminal 900 may be implemented by one or more application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable A gate array (FPGA), controller, microcontroller, microprocessor, or other electronic component implementation for performing the above methods.
  • ASICs application specific integrated circuits
  • DSPs digital signal processors
  • DSPDs digital signal processing devices
  • PLDs programmable logic devices
  • FPGA field programmable A gate array
  • controller microcontroller, microprocessor, or other electronic component implementation for performing the above methods.
  • non-transitory computer readable storage medium comprising instructions, such as a memory 904 comprising instructions executable by processor 920 of terminal 900 to perform the above method.
  • the non-transitory computer readable storage medium may be a ROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, and an optical data storage device.
  • a non-transitory computer readable storage medium when instructions in the storage medium are executed by a processor of a terminal, to enable a terminal to perform a numerical transfer method, the method comprising:
  • the value transfer request is sent to the cloud server, so that the cloud server performs value transfer based on the value transfer request, and the value transfer request carries the user characteristic information, the user account currently logged in by the terminal, and the target value of the current value transfer.
  • the method after sending the value transfer request to the cloud server, the method further includes:
  • Target address information based on the at least one common address information, where the target address information is address information currently performing value transfer;
  • determining the target address information based on the at least one common address information includes:
  • the designated common address information is determined as the target address information
  • the address information determined by the user in a specified manner is received, and the target address information is determined based on the received address information, and the specified manner includes voice, a remote controller, or a position fix.
  • determining the target address information based on the received address information includes:
  • the corrected address information is determined as the target address information.
  • the terminal when the terminal receives the value transfer instruction, the user who currently uses the terminal performs image collection to obtain a target image, and by extracting user feature information of the target image, the user is prevented from manually inputting the account for performing numerical transfer. And password, easy to operate, and also improve the security of the value transfer.

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Abstract

本公开是关于一种数值转移方法、终端及云端服务器。所述方法包括：接收终端发送的数值转移请求，所述数值转移请求携带用户特征信息、所述终端当前登录的用户账号和当前进行数值转移的目标数值，所述用户特征信息是所述终端对目标图像进行特征提取得到；基于所述用户特征信息和所述用户账号，获取用户的信用信息和历史数值转移记录；基于所述信用信息、所述历史数值转移记录和所述目标数值，进行数值转移。本公开通过提取该目标图像的用户特征信息，避免用户手动输入进行数值转移的账户和密码，操作简单，也提高了数值转移的安全性。

Description

数值转移方法、终端及云端服务器
本申请基于申请号为201510189000.5、申请日为2015/4/21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
本公开涉及互联网领域，尤其涉及一种数值转移方法、终端及云端服务器。
背景技术
智能电视具有全开放式平台，且搭载了操作系统，可以由用户自行安装和卸载应用程序，因此，智能电视越来越受到广大用户的青睐，并且逐渐取代了传统电视。另外，随着网络交易的盛行，通过智能电视进行网络交易的方法也备受关注。目前，在相关技术中，通过智能电视进行网络交易时，通常会涉及到一些对虚拟货币或者实际货币进行数值转移，而进行数值转移时，往往需要用户手动地在智能电视上输入用于数值转移的账户和账户密码，从而完成数值转移。
发明内容
为克服相关技术中存在的问题，本公开提供一种数值转移方法、终端及云端服务器。
根据本公开实施例的第一方面，提供了一种数值转移方法，所述方法包括：
接收终端发送的数值转移请求，所述数值转移请求携带用户特征信息、所述终端当前登录的用户账号和当前进行数值转移的目标数值，所述用户特征信息是所述终端对目标图像进行特征提取得到；
基于所述用户特征信息和所述用户账号，获取用户的信用信息和历史数值转移记录；
基于所述信用信息、所述历史数值转移记录和所述目标数值，进行数值转移。
结合第一方面，在上述第一方面的第一种可能的实现方式中，所述基于所述信用信息、所述历史数值转移记录和所述目标数值，进行数值转移，包括：
基于所述信用信息和所述历史数值转移记录，确定所述用户的信用额度；
基于所述用户账号，从存储的用户账号与常用地址信息之间的对应关系中，获取至少一个常用地址信息；
将所述至少一个常用地址信息发送给所述终端，使所述终端显示所述至少一个常用地址信息；
当接收到所述终端基于所述至少一个常用地址信息发送的目标地址信息时，基于所述信用额度、所述用户账号的剩余数值、所述目标数值和云端服务器的剩余数值，进行数值转移，所述目标地址信息为当前进行数值转移的地址信息。
结合第一方面的第一种可能的实现方式，在上述第一方面的第二种可能的实现方式中，所述基于所述信用额度、所述用户账号的剩余数值、所述目标数值和云端服务器的剩余数值，进行数值转移，包括：
当所述用户账号的剩余数值大于或等于所述目标数值时，从所述用户账号的剩余数值中扣除所述目标数值，并将扣除的目标数值增加到云端服务器的剩余数值中；
当所述用户账号的剩余数值小于所述目标数值时，判断所述信用额度是否大于所述目标数值；
当所述信用额度大于所述目标数值时，计算所述用户账号的剩余数值与所述目标数值之间的差值；
扣除所述用户账号的剩余数值，并将扣除的剩余数值增加到所述云端服务器的剩余数值中；
将所述用户账号的待处理数值设置为所述差值，并为所述待处理数值设置处理期限，使所述终端在所述处理期限之前，向所述用户账号中增加所述差值。
结合第一方面，在上述第一方面的第三种可能的实现方式中，所述基于所述用户特征信息和所述用户账号，获取用户的信用信息和历史数值转移记录，包括：
基于所述用户特征信息，从存储的特征信息与身份标识之间的对应关系中，获取用户的身份标识；
基于所述用户的身份标识，获取所述用户的信用信息；
基于所述用户账号，从存储的用户账号与历史数值转移记录之间的对应关系中，获取对应的历史数值转移记录。
结合第一方面的第三种可能的实现方式，在上述第一方面的第四种可能的实现方式中，所述基于所述用户的身份标识，获取所述用户的信用信息，包括：
基于所述用户的身份标识，从存储的身份标识与信用信息之间的对应关系中，查找对应的信用信息；
如果查找到对应的信用信息，则将查找的信用信息确定为所述用户的信用信息。
结合第一方面的第四种可能的实现方式，在上述第一方面的第五种可能实现方式中，所述基于所述用户的身份标识，从存储的身份标识与信用信息之间的对应关系中，查找对应的信用信息之后，还包括：
如果未查找到对应的信用信息，则向信用信息服务器发送信息获取请求，所述信息获取请求中携带所述用户的身份标识；
当接收到所述信用信息服务器发送的信用信息时，将接收的信用信息确定为所述用户的信用信息。
根据本公开实施例的第二方面，提供了一种数值转移方法，所述方法包括：
当接收到数值转移指令时，对当前使用终端的用户进行图像采集，得到目标图像；
提取所述目标图像中的用户特征信息；
向云端服务器发送数值转移请求，使所述云端服务器基于所述数值转移请求进行数值转移，所述数值转移请求携带所述用户特征信息、所述终端当前登录的用户账号和当前进行数值转移的目标数值。
根据本公开实施例的第三方面，提供了一种云端服务器，所述云端服务器包括：
接收模块，用于接收终端发送的数值转移请求，所述数值转移请求携带用户特征信息、所述终端当前登录的用户账号和当前进行数值转移的目标数值，所述用户特征信息是所述终端对目标图像进行特征提取得到；
获取模块，用于基于所述用户特征信息和所述用户账号，获取用户的信用信息和历史数值转移记录；
数值转移模块，用于基于所述信用信息、所述历史数值转移记录和所述目标数值，进行数值转移。
结合第三方面，在上述第三方面的第一种可能的实现方式中，所述数值转移模块包括：
确定单元，用于基于所述信用信息和所述历史数值转移记录，确定所述用户的信用额度；
第一获取单元，用于基于所述用户账号，从存储的用户账号与常用地址信息之间的对应关系中，获取至少一个常用地址信息；
发送单元，用于将所述至少一个常用地址信息发送给所述终端，使所述终端显示所述至少一个常用地址信息；
数值转移单元，用于当接收到所述终端基于所述至少一个常用地址信息发送的目标地址信息时，基于所述信用额度、所述用户账号的剩余数值、所述目标数值和云端服务器的剩余数值，进行数值转移，所述目标地址信息为当前进行数值转移的地址信息。
结合第三方面的第一种可能的实现方式，在上述第三方面的第二种可能的实现方式中，所述数值转移单元包括：
第一扣除子单元，用于当所述用户账号的剩余数值大于或等于所述目标数值时，从所述用户账号的剩余数值中扣除所述目标数值，并将扣除的目标数值增加到云端服务器的剩余数值中；
判断子单元，用于当所述用户账号的剩余数值小于所述目标数值时，判断所述信用额度是否大于所述目标数值；
计算子单元，用于当所述信用额度大于所述目标数值时，计算所述用户账号的剩余数值与所述目标数值之间的差值；
第二扣除子单元，用于扣除所述用户账号的剩余数值，并将扣除的剩余数值增加到所述云端服务器的剩余数值中；
设置子单元，用于将所述用户账号的待处理数值设置为所述差值，并为所述待处理数值设置处理期限，使所述终端在所述处理期限之前，向所述用户账号中增加所述差值。
结合第三方面，在上述第三方面的第三种可能的实现方式中，所述获取模块包括：
第二获取单元，用于基于所述用户特征信息，从存储的特征信息与身份标识之间的对应 关系中，获取用户的身份标识；
第三获取单元，用于基于所述用户的身份标识，获取所述用户的信用信息；
第四获取单元，用于基于所述用户账号，从存储的用户账号与历史数值转移记录之间的对应关系中，获取对应的历史数值转移记录。
结合第三方面的第三种可能的实现方式，在上述第三方面的第四种可能的实现方式中，所述第三获取单元包括：
查找子单元，用于基于所述用户的身份标识，从存储的身份标识与信用信息之间的对应关系中，查找对应的信用信息；
第一确定子单元，用于如果查找到对应的信用信息，则将查找的信用信息确定为所述用户的信用信息。
结合第三方面的第四种可能的实现方式，在上述第三方面的第五种可能的实现方式中，所述第三获取单元还包括：
发送子单元，用于如果未查找到对应的信用信息，则向信用信息服务器发送信息获取请求，所述信息获取请求中携带所述用户的身份标识；
第二确定子单元，用于当接收到所述信用信息服务器发送的信用信息时，将接收的信用信息确定为所述用户的信用信息。
根据本公开实施例的第四方面，提供了一种终端，所述终端包括：
图像采集模块，用于当接收到数值转移指令时，对当前使用终端的用户进行图像采集，得到目标图像；
提取模块，用于提取所述目标图像中的用户特征信息；
第一发送模块，用于向云端服务器发送数值转移请求，使所述云端服务器基于所述数值转移请求进行数值转移，所述数值转移请求携带所述用户特征信息、所述终端当前登录的用户账号和当前进行数值转移的目标数值。
根据本公开实施例的第五方面，提供了一种云端服务器，所述云端服务器包括：
处理器；
用于存储处理器可执行指令的存储器；
其中，所述处理器被配置为：
接收终端发送的数值转移请求，所述数值转移请求携带用户特征信息、所述终端当前登录的用户账号和当前进行数值转移的目标数值，所述用户特征信息是所述终端对目标图像进行特征提取得到；
基于所述用户特征信息和所述用户账号，获取用户的信用信息和历史数值转移记录；
基于所述信用信息、所述历史数值转移记录和所述目标数值，进行数值转移。
根据本公开实施例的第六方面，提供了一种终端，所述终端包括：
处理器；
用于存储处理器可执行指令的存储器；
其中，所述处理器被配置为：
当接收到数值转移指令时，对当前使用终端的用户进行图像采集，得到目标图像；
提取所述目标图像中的用户特征信息；
向云端服务器发送数值转移请求，使所述云端服务器基于所述数值转移请求进行数值转移，所述数值转移请求携带所述用户特征信息、所述终端当前登录的用户账号和当前进行数值转移的目标数值。
本公开的实施例提供的技术方案可以包括以下有益效果：在本公开实施例中，当终端接收到数值转移指令时，对当前使用该终端的用户进行图像采集，得到目标图像，通过提取该目标图像的用户特征信息，避免用户手动输入进行数值转移的账户和密码，操作简单，也提高了数值转移的安全性。并且，云端服务器通过获取用户的信用信息和历史数值转移记录，进行数值转移，更进一步保证数值转移的安全性。
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和解释性的，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，示出了符合本发明的实施例，并与说明书一起用于解释本发明的原理。
图1是根据一示例性实施例示出的一种数值转移方法的流程图。
图2是根据一示例性实施例示出的一种数值转移方法的流程图。
图3是根据一示例性实施例示出的一种数值转移方法的流程图。
图4是根据一示例性实施例示出的一种云端服务器的框图。
图5是根据一示例性实施例示出的一种数值转移模块的框图。
图6是根据一示例性实施例示出的一种终端的框图。
图7是根据一示例性实施例示出的一种终端的框图。
图8是根据一示例性实施例示出的一种云端服务器的框图。
图9是根据一示例性实施例示出的一种终端的框图。
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发明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、本发明的一些方面相一致的装置和方法的例子。
图1是根据一示例性实施例示出的一种数值转移方法的流程图。如图1所示，该数值转移方法用于云端服务器中，包括以下步骤。
在步骤101中，接收终端发送的数值转移请求，该数值转移请求携带用户特征信息、该 终端当前登录的用户账号和当前进行数值转移的目标数值，该用户特征信息是该终端对目标图像进行特征提取得到。
在步骤102中，基于该用户特征信息和该用户账号，获取用户的信用信息和历史数值转移记录。
在步骤103中，基于该信用信息、该历史数值转移记录和目标数值，进行数值转移。
在本公开实施例中，终端通过提取该目标图像的用户特征信息，避免用户手动输入进行数值转移的账户和密码，操作简单，也提高了数值转移的安全性。并且，云端服务器通过获取用户的信用信息和历史数值转移记录，进行数值转移，没有涉及到进行数值转移的账户，并且通过用户的信用度更进一步保证数值转移的安全性。
在本公开的另一实施例中，基于该信用信息、历史数值转移记录和目标数值，进行数值转移，包括：
基于该信用信息和历史数值转移记录，确定该用户的信用额度；
基于该用户账号，从存储的用户账号与常用地址信息之间的对应关系中，获取至少一个常用地址信息；
将该至少一个常用地址信息发送给该终端，使该终端显示该至少一个常用地址信息；
当接收到该终端基于该至少一个常用地址信息发送的目标地址信息时，基于该用户的信用额度、该用户账号的剩余数值、目标数值和云端服务器的剩余数值，进行数值转移，目标地址信息为当前进行数值转移的地址信息。
在本公开的另一实施例中，基于该用户的信用额度、该用户账号的剩余数值、目标数值和云端服务器的剩余数值，进行数值转移，包括：
当该用户账号的剩余数值大于或等于目标数值时，从该用户账号的剩余数值中扣除目标数值，并将扣除的目标数值增加到云端服务器的剩余数值中；
当该用户账号的剩余数值小于目标数值时，判断该用户的信用额度是否大于目标数值；
当该用户的信用额度大于目标数值时，计算该用户账号的剩余数值与目标数值之间的差值；
扣除该用户账号的剩余数值，并将扣除的剩余数值增加到云端服务器的剩余数值中；
将该用户账号的待处理数值设置为计算的差值，并为待处理数值设置处理期限，使该终端在该处理期限之前，向该用户账号中增加该差值。
在本公开的另一实施例中，基于该用户特征信息和该用户账号，获取用户的信用信息和历史数值转移记录，包括：
基于该用户特征信息，从存储的特征信息与身份标识之间的对应关系中，获取用户的身份标识；
基于该用户的身份标识，获取该用户的信用信息；
基于该用户账号，从存储的用户账号与历史数值转移记录之间的对应关系中，获取对应的历史数值转移记录。
在本公开的另一实施例中，基于该用户的身份标识，获取该用户的信用信息，包括：
基于该用户的身份标识，从存储的身份标识与信用信息之间的对应关系中，查找对应的信用信息；
如果查找到对应的信用信息，则将查找的信用信息确定为该用户的信用信息。
在本公开的另一实施例中，基于该用户的身份标识，从存储的身份标识与信用信息之间的对应关系中，查找对应的信用信息之后，还包括：
如果未查找到对应的信用信息，则向信用信息服务器发送信息获取请求，该信息获取请求中携带该用户的身份标识；
当接收到信用信息服务器发送的信用信息时，将接收的信用信息确定为该用户的信用信息。
上述所有可选技术方案，均可按照任意结合形成本公开的可选实施例，本公开实施例对此不再一一赘述。
图2是根据一示例性实施例示出的一种数值转移方法的流程图，如图2所示，该数值转移方法用于终端中，包括以下步骤。
在步骤201中，当接收到数值转移指令时，对当前使用终端的用户进行图像采集，得到目标图像。
在步骤202中，提取目标图像中的用户特征信息。
在步骤203中，向云端服务器发送数值转移请求，使云端服务器基于该数值转移请求进行数值转移，该数值转移请求携带用户特征信息、该终端当前登录的用户账号和当前进行数值转移的目标数值。
在本公开实施例中，当终端接收到数值转移指令时，对当前使用该终端的用户进行图像采集，得到目标图像，通过提取该目标图像的用户特征信息，避免用户手动输入进行数值转移的账户和密码，操作简单，也提高了数值转移的安全性。
在本公开的另一实施例中，向云端服务器发送数值转移请求之后，还包括：
接收云端服务器发送的至少一个常用地址信息；
显示该至少一个常用地址信息；
基于该至少一个常用地址信息，确定目标地址信息，目标地址信息为当前进行数值转移的地址信息；
将该目标地址信息发送给云端服务器。
在本公开的另一实施例中，基于该至少一个常用地址信息，确定目标地址信息，包括：
当接收到对该至少一个常用地址信息中的指定常用地址信息的选择指令时，将该指定常用地址信息确定为目标地址信息；或者，
当没有接收到该选择指令且接收到地址信息输入指令时，接收该用户通过指定方式确定的地址信息，基于接收的地址信息确定目标地址信息，该指定方式包括语音、遥控器或者位 置定位。
在本公开的另一实施例中，基于接收的地址信息确定目标地址信息，包括：
当接收到地址信息修改指令后，接收该用户对接收的地址信息进行修改之后得到的修正地址信息；
将该修正地址信息确定为目标地址信息。
上述所有可选技术方案，均可按照任意结合形成本公开的可选实施例，本公开实施例对此不再一一赘述。
图3是根据一示例性实施例示出的一种数值转移方法的流程图。如图3所示，该数值转移方法可以包括以下步骤。
在步骤301中，当终端接收到数值转移指令时，对当前使用该终端的用户进行图像采集，得到目标图像。
当终端接收到数值转移指令时，该终端可以通过图像采集设备，对当前使用该终端的用户进行图像采集，得到目标图像。其中，图像采集设备可以包括终端自带的摄像头、该终端外接的摄像头、指纹采集设备等等。
在本公开实施例中，触发数值转移指令的主体可以为用户，也即是，用户可以通过第一指定操作向终端提交数值转移指令。而第一指定操作可以为滑动操作、语音操作、点击数值转移按钮等操作，本公开实施例对此不做具体限定。
需要说明的是，在本公开实施例中，终端不仅可以为智能电视，还可以为电脑、手机、PAD等终端，本公开实施例对此不做具体限定。
在步骤303中，终端提取该目标图像中的用户特征信息。
在本公开实施例中，该目标图像可以为使用该终端的用户的人脸图像，还可以为该用户眼睛的虹膜图像，当然，还可以为该用户的指纹图像。
当该目标图像为该用户的人脸图像时，终端可以对该目标图像进行人脸特征提取，得到用户特征信息，此时，该用户特征信息中可以包括人脸的轮廓、人脸五官的位置和大小等等，本公开实施例对此不做具体限定。
当该目标图像为该用户眼睛的虹膜图像时，终端可以对该目标图像进行虹膜特征提取，得到用户特征信息，此时，该用户特性信息中可以包括虹膜的颜色、虹膜的形态、虹膜的大小等等，本公开实施例同样对此不做具体限定。
当该目标图像为该用户的指纹图像时，该终端可以对该目标图像进行指纹特征提取，得到用户特征信息，此时，该用户特征信息中可以包括指纹的起点位置、终点位置和交叉点位置等等，本公开实施例同样对此不做具体限定。
需要说明的是，在本公开实施例中，对目标图像进行人脸特征提取、虹膜特征提取和指纹特征提取的方法可以参考相关技术，本公开实施例对此不做详细阐述。
在本公开实施例中，当终端通过上述步骤获取到用户特征信息后，可以通过如下的方式 进行数值转移，避免用户在终端上输入用于数值转移的账户和密码，操作简单，不容易被其他用户看见，安全性较高，尤其对于经常放置在客厅的智能电视。
在步骤304中，终端向云端服务器发送数值转移请求，该数值转移请求携带该用户特征信息、终端当前登录的用户账号和当前进行数值转移的目标数值。
当终端得到用户特征信息时，该终端可以基于该用户特征信息、终端当前登录的用户账号和当前进行数值转移的目标数值，生成数值转移请求，并将该数值转移请求发送给云端服务器。
其中，生成数值转移请求时，可以直接将该用户特征、该用户账号和目标数值直接携带在该数值转移请求中，而在本公开的另一实施例中，还可以按照指定方式，将该用户特征、该用户账号和目标数值进行封装，将封装后的信息携带在数值转移请求中。比如，可以通过指定字符串，将该用户特征、该用户账号和目标数值进行串联，假如，指定字符串为#，用户特性为特征1，用户账号为122456，目标数值为60，此时，将该用户特征、该用户账号和目标数值，按照指定方式进行封装之后，得到封装后的信息为：特征1#122456#60。
需要说明的是，该终端当前登录的用户账号为该终端在云端服务器中进行注册得到，也即是，终端当前登录的用户账号可以为通讯账号。
在步骤305中，当云端服务器接收到该终端发送的数值转移请求时，基于该用户特征信息和该用户账号，获取用户的信用信息和历史数值转移记录。
为了确定用户的信用额度，来提高数值转移的安全性，每进行一次数值转移，云端服务器可以将该数值转移的用户账号和数值转移记录，存储在用户账号与历史数值转移记录之间的对应关系，之后，当云端服务器接收到该终端发送的数值转移请求时，该云端服务器可以基于该数值转移请求携带的用户特征信息，从存储的特征信息与身份标识之间的对应关系中，获取该用户的身份标识；基于该用户的身份标识，获取该用户的信用信息；并基于该用户账号，从存储的用户账号与历史数值转移记录之间的对应关系中，获取对应的历史数值转移记录。其中，历史数值转移记录可以包括进行历史数值转移的历史目标数值大小、进行历史数值转移时该用户账户的剩余数值等等，本公开实施例对此不做具体限定。
比如，该数值转移请求携带的用户特征信息为特征信息1，用户账号为1654663。当云端服务器接收到该终端发送的数值转移请求时，该云端服务器可以基于该数值转移请求携带的用户特征信息1，从如下表1所示的存储的特征信息与身份标识之间的对应关系中，获取该用户的身份标识为ID1，基于该用户的身份标识ID1，获取该用户的信用信息为信用信息1，并基于该用户账号1654663，从如下表2所示的用户账号与历史数值转移记录之间的对应关系中，获取对应的历史数值转移记录为记录1。
表1
特征信息 身份标识
特征信息1 ID1
特征信息2 ID2
…… ……
表2
用户账号 历史数值转移记录
1654663 记录1
1246536 记录2
…… ……
需要说明的是，在本公开实施例中，以上述表1和表2所示的数值为例进行说明，并不对本公开实施例构成限定。
其中，云端服务器基于该用户的身份标识，获取该用户的信用信息的操作可以包括：基于该用户的身份标识，从存储的身份标识与信用信息之间的对应关系中，查找对应的信用信息；如果查找到对应的信用信息，则将查找的信用信息确定为所述用户的信用信息。如果未查找到对应的信用信息，则向信用信息服务器发送信息获取请求，该信息获取请求中携带该用户的身份标识。当信用信息服务器接收到该信息获取请求时，可以基于该用户的身份标识，从存储的身份标识与信用信息之间的对应关系中，获取对应的信用信息，并将获取的信用信息发送给该云端服务器。当云端服务器接收到该信用信息服务器发送的信用信息时，将接收的信用信息确定为该用户的信用信息。
在本公开实施例中，当云端服务器第一次从信用信息服务器中获取到该用户的信用信息时，该云端服务器可以存储该用户的身份标识与信用信息之间的对应关系。如此，当该用户后续进行数值转移时，云端服务器无需从信用信息服务器中再次获取该用户的信用信息，减少了云端服务器与信用信息服务器之间的交互次数，提高了信用信息获取效率。
进一步地，云端服务器还可以每隔指定时长，基于存储的身份标识与信用信息之间的对应关系中的每个身份标识，从信用信息服务器中重新获取对应的信用信息，以对存储的身份标识与信用信息之间的对应关系进行更新，保证云端服务器存储的信用信息的实时性、准确性。其中，指定时长可以是事先设置的，比如，指定时长可以为3小时、1天等，本公开实施例对此不做具体限定。
需要说明的是，用户的身份标识可以为用户的身份证号码，且特征信息与身份标识之间的对应关系可以事先获取并存储在云端服务器中。另外，该用户的信用信息可以包括用户的贷款信息、房产信息、机动车辆信息、社保、个人所得税信息等，本公开实施例对此不做具体限定。而该用户的信用信息可能会在多个系统中使用，比如，银行系统，因此，云端服务 器基于该用户的身份标识，获取该用户的信用信息的方法可以包括很多，比如，该云端服务器还可以向其他系统的服务器发送信息获取请求，以从其他系统的服务器中获取该用户的信用信息。
在步骤306中，该云端服务器基于该信用信息和该历史数值转移记录，确定该用户的信用额度。
该用户的信用信息和历史数值转移记录用于标识该用户的信用度，因此，在本公开实施例中，该云端服务器可以基于该用户的信用信息和历史数值转移记录，确定该用户的信用额度。
而确定该用户的信用额度的方法很多，比如，可以将信用信息进行数值转换，得到信用数值，将历史数值转移记录进行数值转换，得到历史转移数值，并事先为信用信息和历史数值转移记录分别设置对应的权重，之后，将信用数值与该信用信息对应的权重相乘，得到第一数值，将历史转移数值与该历史数值转移记录对应的权重相乘，得到第二数值，将第一数值和第二数值进行相加，得到该用户的信用额度。假如，将信用信息进行数值转换，得到信用数值为500，将历史数值转移记录进行数值转换，得到历史转移数值为300，信用信息对应的权重为0.8，历史数值转移记录对应的权重为0.2，此时，将信用数值500与信用信息对应的权重0.8相乘，得到第一数值为400，将历史转移数值300与该历史数值转移记录对应的权重0.2相乘，得到第二数值为60，将第一数值400与第二数值60相加，得到该用户的信用额度为460。
再比如，可以计算信用数值与历史转移数值之间的平均值，将该平均值确定为该用户的信用额度。假如，计算信用数值500与历史转移数值300之间的平均值为400，将该平均值400确定为该用户的信用额度。
再比如，可以将每个信用信息分为多个信用等级，每个信用等级对应一定的信用数值，再将历史数值转移记录划分为多个记录等级，每个记录等级也对应一定的记录数值，可以确定获取的信用信息所属的信用等级，以及历史数值转移记录所属的记录等级，并进一步确定获取的信用信息所属信用等级对应的信用数值，以及历史数值转移记录所属记录等级对应的记录数值，计算该信用数值和记录数值的平均值，将该平均值确定为该用户的信用额度。
因此，本公开实施例对信用额度的确定方法不做具体限定，可以参考相关技术。
在步骤307中，云端服务器基于该用户账号，从存储的用户账号与常用地址信息之间的对应关系中，获取至少一个常用地址信息，并将该至少一个常用地址信息发送给该终端。
在本公开实施例中，云端服务器将该至少一个常用地址信息发送给该终端时，可以将该至少一个常用地址信息存储在常用地址信息表中，并将该常用地址信息表发送给该终端。当终端接收到该常用地址信息表时，直接显示该常用地址信息表。在本公开的另一实施例中，云端服务器还可以直接将该至少一个常用地址信息发送给该终端，使终端将该至少一个常用地址信息进行列表显示，当然，还可以以其他的方式进行显示，本公开实施例对此不做具体限定。
比如，该至少一个常用地址信息包括地址信息1、地址信息2、地址信息3，将该3个常用地址信息存储在如下表3所示的地址信息表中，并发送给该终端。
表3
常用地址信息
地址信息1
地址信息2
地址信息3
在步骤308中，当该终端接收到该至少一个常用地址信息时，显示该至少一个常用地址信息，并基于该至少一个常用地址信息，确定目标地址信息，并将目标地址信息发送给云端服务器。
在本公开实施例中，为了完成数值转移，需要确定目标地址信息，因此，当该终端接收到该至少一个常用地址信息时，显示该至少一个常用地址信息时，该用户可以从该至少一个常用地址信息中选择指定地址信息，当该终端接收到对该至少一个常用地址信息中的指定常用地址信息的选择指令时，将该指定常用地址信息确定为目标地址信息。或者，当该终端接收到该至少一个常用地址信息时，显示该至少一个常用地址信息，当该终端没有接收到对该至少一个常用地址信息中的指定常用地址信息的选择指令且接收到地址信息输入指令时，该终端可以接收用户通过指定方式确定的地址信息，基于接收的地址信息确定目标地址信息，该指定方式可以包括语音、遥控器或者位置定位。
其中，基于接收的地址信息确定目标地址信息的操作可以为：可以直接将接收的地址信息确定为目标地址信息。而为了保证目标地址信息的准确性，当终端接收到用户通过指定方式确定的地址信息时，该用户还可以对接收的地址信息进行修正，此时，该用户可以向该终端提交地址信息修改指令。当该终端接收到该地址信息修改指令后，接收该用户对接收的地址信息进行修改之后得到的修正地址信息；将该修正地址信息确定为目标地址信息。
比如，当该终端接收到对该至少一个常用地址信息中的地址信息2的选择指令时，将该地址信息2确定为目标地址信息。假如，当该终端没有接收到选择指令且接收到地址信息输入指令时，该终端可以接收用户通过指定方式确定的地址信息为地址信息6，并且该用户对该地址信息6进行修正时，该用户可以向该终端提交地址信息修改指令。当该终端接收到该地址信息修改指令后，接收该用户对地址信息6进行修改之后得到的修正地址信息为地址信息61；将地址信息61确定为目标地址信息。
在本公开实施例中，不仅可以通过上述两种方式，基于该至少一个常用地址信息，确定目标地址信息，还可以通过其他的方式来确定，比如，可以确定该至少一个常用地址信息的使用频率，选择使用频率最高的一个常用地址信息，并基于选择的常用地址信息确定目标地址信息。或者，从该至少一个常用地址信息中，可以选择使用时间离当前时间最近的常用地址信息，基于选择的常用地址信息确定目标地址信息。
由于指定方式可以包括语音、遥控器或者位置定位，所以，当该指定方式为语音时，该终端可以接收用户通过语音输入的地址信息。而当该指定方式为遥控器时，该终端可以接收用户通过遥控器输入的地址信息。当该指定方式为位置定位时，该终端可以对该终端当前所处的位置进行定位，得到该终端的位置信息，并将该终端的位置信息确定为接收的地址信息。
需要说明的是，地址信息修改指令可以是用户通过第二指定操作提交，而第二指定操作可以为语音操作、按遥控器的指定按钮、摇动遥控器等操作，本公开实施例对此不作具体限定。
在步骤309中，当云端服务器接收到该终端基于该至少一个常用地址信息发送的目标地址信息时，基于该用户的信用额度、该用户账号的剩余数值、目标数值和云端服务器的剩余数值，进行数值转移。
当云端服务器接收到该终端基于该至少一个常用地址信息发送的目标地址信息时，将该用户账号的剩余数值与目标数值进行比较，当该用户账号的剩余数值大于或等于目标数值时，从该用户账号的剩余数值中扣除目标数值，并将扣除的目标数值增加到云端服务器的剩余数值中；当该用户账号的剩余数值小于目标数值时，判断该用户的信用额度是否大于目标数值；当该用户的信用额度大于目标数值时，计算该用户账号的剩余数值与目标数值之间的差值；并扣除该用户账号的剩余数值，并将扣除的剩余数值增加到云端服务器的剩余数值中；以及将该用户账号的待处理数值设置为该差值，并为待处理数值设置处理期限，使该终端在该处理期限之前，向该用户账号中增加差值。
比如，该用户的信用额度为460，该用户账号的剩余数值为200，目标数值为350，云端服务器的剩余数值为1000，确定该用户账号的剩余数值小于目标数值，且该用户的信用额度大于目标数值，此时，可以计算该用户账号的剩余数值200与目标数值350之间的差值为150，并扣除该用户账号的剩余数值200，将扣除的剩余数值200增加到云端服务器的剩余数值1000中，得到1200，此时，将该用户账号的待处理数值设置为150，并为待处理数值设置处理期限为10天，使该终端在离当前时间之后最近的10内，向该用户账号中增加150。
进一步地，当该用户账号的剩余数值大于或等于目标数值时，可以无需考虑用户的信用度，直接从该用户账号的剩余数值中扣除该目标数值；而当该用户账号的剩余数值小于目标数值时，为了方便用户完成数值转移，云端服务器需要为该用户账号先垫一部分的数值，此时，需要考虑该用户的信用度，也即是，将该用户的信用额度与目标数值进行比较，当该用户的信用额度大于目标数值时，云端服务器还可以照样完成数值转移，只不过需要用户在处理期限之前，将该云端服务器垫的添加到该用户账号中，也即是，将该差值添加到该用户账号中。当用户通过该终端在该处理期限之前，向该用户账号中增加差值。之后，云端服务器可以将该用户账号中增加的差值进行扣除，并将扣除的差值增加到云端服务器的剩余数值中，以将云端服务器之前垫的数值进行偿还，增加了数值转移的方便性。
在本公开实施例中，当终端接收到数值转移指令时，对当前使用该终端的用户进行图像采集，得到目标图像，通过提取该目标图像的用户特征信息，避免用户手动输入进行数值转 移的账户和密码，操作简单，也提高了数值转移的安全性。并且，云端服务器通过获取用户的信用信息和历史数值转移记录，进行数值转移，更进一步保证数值转移的安全性。进一步地，云端服务器还可以获取该用户的至少一个常用地址信息，如果当前进行数值转移的目标地址信息为该至少一个常用地址信息中的一个，用户可以直接从该至少一个常用地址信息中进行选择，而无需再通过其他的方式进行输入，便捷性更高，进而提高了数值转移的效率。
图4是根据一示例性实施例示出的一种云端服务器的框图。参照图4，该云端服务器包括接收模块401、获取模块402和数值转移模块403。
接收模块401，用于接收终端发送的数值转移请求，该数值转移请求携带用户特征信息、该终端当前登录的用户账号和当前进行数值转移的目标数值，该用户特征信息是该终端对目标图像进行特征提取得到；
获取模块402，用于基于该用户特征信息和该用户账号，获取用户的信用信息和历史数值转移记录；
数值转移模块403，用于基于该用户的信用信息、该历史数值转移记录和目标数值，进行数值转移。
在本公开的另一实施例中，参见图5，数值转移模块403包括：
确定单元4031，用于基于该用户的信用信息和历史数值转移记录，确定该用户的信用额度；
第一获取单元4032，用于基于该用户账号，从存储的用户账号与常用地址信息之间的对应关系中，获取至少一个常用地址信息；
发送单元4033，用于将该至少一个常用地址信息发送给该终端，使该终端显示该至少一个常用地址信息；
数值转移单元4034，用于当接收到该终端基于该至少一个常用地址信息发送的目标地址信息时，基于该用户的信用额度、该用户账号的剩余数值、目标数值和云端服务器的剩余数值，进行数值转移，目标地址信息为当前进行数值转移的地址信息。
在本公开的另一实施例中，数值转移单元4034包括：
第一扣除子单元，用于当该用户账号的剩余数值大于或等于目标数值时，从该用户账号的剩余数值中扣除目标数值，并将扣除的目标数值增加到云端服务器的剩余数值中；
判断子单元，用于当该用户账号的剩余数值小于目标数值时，判断该用户的信用额度是否大于目标数值；
计算子单元，用于当该用户的信用额度大于目标数值时，计算该用户账号的剩余数值与目标数值之间的差值；
第二扣除子单元，用于扣除该用户账号的剩余数值，并将扣除的剩余数值增加到云端服务器的剩余数值中；
设置子单元，用于将该用户账号的待处理数值设置为该差值，并为待处理数值设置处理 期限，使该终端在该处理期限之前，向该用户账号中增加该差值。
在本公开的另一实施例中，获取模块402包括：
第二获取单元，用于基于该用户特征信息，从存储的特征信息与身份标识之间的对应关系中，获取用户的身份标识；
第三获取单元，用于基于该用户的身份标识，获取该用户的信用信息；
第四获取单元，用于基于该用户账号，从存储的用户账号与历史数值转移记录之间的对应关系中，获取对应的历史数值转移记录。
在本公开的另一实施例中，第三获取单元包括：
查找子单元，用于基于该用户的身份标识，从存储的身份标识与信用信息之间的对应关系中，查找对应的信用信息；
第一确定子单元，用于如果查找到对应的信用信息，则将查找的信用信息确定为该用户的信用信息。
在本公开的另一实施例中，第三获取单元还包括：
发送子单元，用于如果未查找到对应的信用信息，则向信用信息服务器发送信息获取请求，该信息获取请求中携带该用户的身份标识；
第二确定子单元，用于当接收到信用信息服务器发送的信用信息时，将接收的信用信息确定为该用户的信用信息。
在本公开实施例中，终端通过提取该目标图像的用户特征信息，避免用户手动输入进行数值转移的账户和密码，操作简单，也提高了数值转移的安全性。并且，云端服务器通过获取用户的信用信息和历史数值转移记录，进行数值转移，没有涉及到进行数值转移的账户，并且通过用户的信用度更进一步保证数值转移的安全性。
关于上述实施例中的终端，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。
图6是根据一示例性实施例示出的一种终端的框图。参照图6，该终端包括图像采集模块601、提取模块602和第一发送模块603。
图像采集模块601，用于当接收到数值转移指令时，对当前使用终端的用户进行图像采集，得到目标图像；
提取模块602，用于提取目标图像中的用户特征信息；
第一发送模块603，用于向云端服务器发送数值转移请求，使云端服务器基于该数值转移请求进行数值转移，该数值转移请求携带该用户特征信息、该终端当前登录的用户账号和当前进行数值转移的目标数值。
在本公开的另一实施例中，参见图7，该终端还包括：
接收模块604，用于接收云端服务器发送的至少一个常用地址信息；
显示模块605，用于显示该至少一个常用地址信息；
确定模块606，用于基于该至少一个常用地址信息，确定目标地址信息，目标地址信息为当前进行数值转移的地址信息；
第二发送模块607，用于将目标地址信息发送给云端服务器。
在本公开的另一实施例中，确定模块606包括：
第一确定子单元，用于当接收到对该至少一个常用地址信息中的指定常用地址信息的选择指令时，将该指定常用地址信息确定为目标地址信息；或者，
第二确定子单元，用于当没有接收到该选择指令且接收到地址信息输入指令时，接收该用户通过指定方式确定的地址信息，基于接收的地址信息确定目标地址信息，该指定方式包括语音、遥控器或者位置定位。
在本公开的另一实施例中，所述第二确定子单元，具体用于：
当没有接收到该选择指令且接收到地址信息输入指令时，接收该用户通过指定方式确定的地址信息；
当接收到地址信息修改指令后，接收该用户对接收的地址信息进行修改之后得到的修正地址信息；
将该修正地址信息确定为目标地址信息。
在本公开实施例中，当终端接收到数值转移指令时，对当前使用该终端的用户进行图像采集，得到目标图像，通过提取该目标图像的用户特征信息，避免用户手动输入进行数值转移的账户和密码，操作简单，也提高了数值转移的安全性。
关于上述实施例中的终端，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。
图8是根据一示例性实施例示出的一种用于数值转移的云端服务器800的框图。参照图8，云端服务器800包括处理组件822，其进一步包括一个或多个处理器，以及由存储器832所代表的存储器资源，用于存储可由处理部件822的执行的指令，例如应用程序。存储器832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822被配置为执行指令，以执行下述数值转移方法，包括：
接收终端发送的数值转移请求，该数值转移请求携带用户特征信息、该终端当前登录的用户账号和当前进行数值转移的目标数值，该用户特征信息是该终端对目标图像进行特征提取得到；
基于该用户特征信息和该用户账号，获取用户的信用信息和历史数值转移记录；
基于该信用信息、该历史数值转移记录和目标数值，进行数值转移。
在本公开的另一实施例中，基于该信用信息、历史数值转移记录和目标数值，进行数值转移，包括：
基于该信用信息和历史数值转移记录，确定该用户的信用额度；
基于该用户账号，从存储的用户账号与常用地址信息之间的对应关系中，获取至少一个 常用地址信息；
将该至少一个常用地址信息发送给该终端，使该终端显示该至少一个常用地址信息；
当接收到该终端基于该至少一个常用地址信息发送的目标地址信息时，基于该用户的信用额度、该用户账号的剩余数值、目标数值和云端服务器的剩余数值，进行数值转移，目标地址信息为当前进行数值转移的地址信息。
在本公开的另一实施例中，基于该用户的信用额度、该用户账号的剩余数值、目标数值和云端服务器的剩余数值，进行数值转移，包括：
当该用户账号的剩余数值大于或等于目标数值时，从该用户账号的剩余数值中扣除目标数值，并将扣除的目标数值增加到云端服务器的剩余数值中；
当该用户账号的剩余数值小于目标数值时，判断该用户的信用额度是否大于目标数值；
当该用户的信用额度大于目标数值时，计算该用户账号的剩余数值与目标数值之间的差值；
扣除该用户账号的剩余数值，并将扣除的剩余数值增加到云端服务器的剩余数值中；
将该用户账号的待处理数值设置为计算的差值，并为待处理数值设置处理期限，使该终端在该处理期限之前，向该用户账号中增加该差值。
在本公开的另一实施例中，基于该用户特征信息和该用户账号，获取用户的信用信息和历史数值转移记录，包括：
基于该用户特征信息，从存储的特征信息与身份标识之间的对应关系中，获取用户的身份标识；
基于该用户的身份标识，获取该用户的信用信息；
基于该用户账号，从存储的用户账号与历史数值转移记录之间的对应关系中，获取对应的历史数值转移记录。
在本公开的另一实施例中，基于该用户的身份标识，获取该用户的信用信息，包括：
基于该用户的身份标识，从存储的身份标识与信用信息之间的对应关系中，查找对应的信用信息；
如果查找到对应的信用信息，则将查找的信用信息确定为该用户的信用信息。
在本公开的另一实施例中，基于该用户的身份标识，从存储的身份标识与信用信息之间的对应关系中，查找对应的信用信息之后，还包括：
如果未查找到对应的信用信息，则向信用信息服务器发送信息获取请求，该信息获取请求中携带该用户的身份标识；
当接收到信用信息服务器发送的信用信息时，将接收的信用信息确定为该用户的信用信息。
云端服务器800还可以包括一个电源组件826被配置为执行云端服务器800的电源管理，一个有线或无线网络接口850被配置为将云端服务器800连接到网络，和一个输入输出(I/O)接口858。云端服务器800可以操作基于存储在存储器832的操作系统，例如Windows  ServerTM，Mac OS XTM，UnixTM,LinuxTM，FreeBSDTM或类似。
图9是根据一示例性实施例示出的一种用于数值转移的终端900的框图。例如，终端900可以是移动电话，计算机，数字广播终端，消息收发设备，游戏控制台，平板设备，医疗设备，健身设备，个人数字助理等。
参照图9，终端900可以包括以下一个或多个组件：处理组件902，存储器904，电源组件906，多媒体组件908，音频组件910，输入/输出(I/O)的接口912，传感器组件914，以及通信组件916。
处理组件902通常控制终端900的整体操作，诸如与显示，电话呼叫，数据通信，相机操作和记录操作相关联的操作。处理元件802可以包括一个或多个处理器920来执行指令，以完成上述的方法的全部或部分步骤。此外，处理组件902可以包括一个或多个模块，便于处理组件902和其他组件之间的交互。例如，处理部件902可以包括多媒体模块，以方便多媒体组件908和处理组件902之间的交互。
存储器904被配置为存储各种类型的数据以支持在终端900的操作。这些数据的示例包括用于在终端900上操作的任何应用程序或方法的指令，联系人数据，电话簿数据，消息，图片，视频等。存储器904可以由任何类型的易失性或非易失性存储设备或者它们的组合实现，如静态随机存取存储器(SRAM)，电可擦除可编程只读存储器(EEPROM)，可擦除可编程只读存储器(EPROM)，可编程只读存储器(PROM)，只读存储器(ROM)，磁存储器，快闪存储器，磁盘或光盘。
电力组件906为终端900的各种组件提供电力。电力组件906可以包括电源管理系统，一个或多个电源，及其他与为终端900生成、管理和分配电力相关联的组件。
多媒体组件908包括在所述终端900和用户之间的提供一个输出接口的屏幕。在一些实施例中，屏幕可以包括液晶显示器(LCD)和触摸面板(TP)。如果屏幕包括触摸面板，屏幕可以被实现为触摸屏，以接收来自用户的输入信号。触摸面板包括一个或多个触摸传感器以感测触摸、滑动和触摸面板上的手势。所述触摸传感器可以不仅感测触摸或滑动动作的边界，而且还检测与所述触摸或滑动操作相关的持续时间和压力。在一些实施例中，多媒体组件908包括一个前置摄像头和/或后置摄像头。当终端900处于操作模式，如拍摄模式或视频模式时，前置摄像头和/或后置摄像头可以接收外部的多媒体数据。每个前置摄像头和后置摄像头可以是一个固定的光学透镜系统或具有焦距和光学变焦能力。
音频组件910被配置为输出和/或输入音频信号。例如，音频组件910包括一个麦克风(MIC)，当终端900处于操作模式，如呼叫模式、记录模式和语音识别模式时，麦克风被配置为接收外部音频信号。所接收的音频信号可以被进一步存储在存储器904或经由通信组件916发送。在一些实施例中，音频组件910还包括一个扬声器，用于输出音频信号。
I/O接口912为处理组件902和外围接口模块之间提供接口，上述外围接口模块可以是键盘，点击轮，按钮等。这些按钮可包括但不限于：主页按钮、音量按钮、启动按钮和锁定 按钮。
传感器组件914包括一个或多个传感器，用于为终端900提供各个方面的状态评估。例如，传感器组件914可以检测到终端900的打开/关闭状态，组件的相对定位，例如所述组件为终端900的显示器和小键盘，传感器组件914还可以检测终端900或终端900一个组件的位置改变，用户与终端900接触的存在或不存在，终端900方位或加速/减速和终端900的温度变化。传感器组件914可以包括接近传感器，被配置用来在没有任何的物理接触时检测附近物体的存在。传感器组件914还可以包括光传感器，如CMOS或CCD图像传感器，用于在成像应用中使用。在一些实施例中，该传感器组件914还可以包括加速度传感器，陀螺仪传感器，磁传感器，压力传感器或温度传感器。
通信组件916被配置为便于终端900和其他设备之间有线或无线方式的通信。终端900可以接入基于通信标准的无线网络，如WiFi，2G或3G，或它们的组合。在一个示例性实施例中，通信部件916经由广播信道接收来自外部广播管理系统的广播信号或广播相关信息。在一个示例性实施例中，所述通信部件916还包括近场通信(NFC)模块，以促进短程通信。例如，在NFC模块可基于射频识别(RFID)技术，红外数据协会(IrDA)技术，超宽带(UWB)技术，蓝牙(BT)技术和其他技术来实现。
在示例性实施例中，终端900可以被一个或多个应用专用集成电路(ASIC)、数字信号处理器(DSP)、数字信号处理设备(DSPD)、可编程逻辑器件(PLD)、现场可编程门阵列(FPGA)、控制器、微控制器、微处理器或其他电子元件实现，用于执行上述方法。
在示例性实施例中，还提供了一种包括指令的非临时性计算机可读存储介质，例如包括指令的存储器904，上述指令可由终端900的处理器920执行以完成上述方法。例如，所述非临时性计算机可读存储介质可以是ROM、随机存取存储器(RAM)、CD-ROM、磁带、软盘和光数据存储设备等。
一种非临时性计算机可读存储介质，当所述存储介质中的指令由终端的处理器执行时，使得终端能够执行一种数值转移方法，所述方法包括：
当接收到数值转移指令时，对当前使用终端的用户进行图像采集，得到目标图像；
提取目标图像中的用户特征信息；
向云端服务器发送数值转移请求，使云端服务器基于该数值转移请求进行数值转移，该数值转移请求携带用户特征信息、该终端当前登录的用户账号和当前进行数值转移的目标数值。
在本公开的另一实施例中，向云端服务器发送数值转移请求之后，还包括：
接收云端服务器发送的至少一个常用地址信息；
显示该至少一个常用地址信息；
基于该至少一个常用地址信息，确定目标地址信息，目标地址信息为当前进行数值转移的地址信息；
将该目标地址信息发送给云端服务器。
在本公开的另一实施例中，基于该至少一个常用地址信息，确定目标地址信息，包括：
当接收到对该至少一个常用地址信息中的指定常用地址信息的选择指令时，将该指定常用地址信息确定为目标地址信息；或者，
当没有接收到该选择指令且接收到地址信息输入指令时，接收该用户通过指定方式确定的地址信息，基于接收的地址信息确定目标地址信息，该指定方式包括语音、遥控器或者位置定位。
在本公开的另一实施例中，基于接收的地址信息确定目标地址信息，包括：
当接收到地址信息修改指令后，接收该用户对接收的地址信息进行修改之后得到的修正地址信息；
将该修正地址信息确定为目标地址信息。
在本公开实施例中，当终端接收到数值转移指令时，对当前使用该终端的用户进行图像采集，得到目标图像，通过提取该目标图像的用户特征信息，避免用户手动输入进行数值转移的账户和密码，操作简单，也提高了数值转移的安全性。
本领域技术人员在考虑说明书及实践这里公开的发明后，将容易想到本发明的其它实施方案。本申请旨在涵盖本发明的任何变型、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发明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，本发明的真正范围和精神由下面的权利要求指出。
应当理解的是，本发明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。本发明的范围仅由所附的权利要求来限制。

Claims (16)

  1. 一种数值转移方法，其特征在于，所述方法包括：
    接收终端发送的数值转移请求，所述数值转移请求携带用户特征信息、所述终端当前登录的用户账号和当前进行数值转移的目标数值，所述用户特征信息是所述终端对目标图像进行特征提取得到；
    基于所述用户特征信息和所述用户账号，获取用户的信用信息和历史数值转移记录；
    基于所述信用信息、所述历史数值转移记录和所述目标数值，进行数值转移。
  2. 如权利要求1所述的方法，其特征在于，所述基于所述信用信息、所述历史数值转移记录和所述目标数值，进行数值转移，包括：
    基于所述信用信息和所述历史数值转移记录，确定所述用户的信用额度；
    基于所述用户账号，从存储的用户账号与常用地址信息之间的对应关系中，获取至少一个常用地址信息；
    将所述至少一个常用地址信息发送给所述终端，使所述终端显示所述至少一个常用地址信息；
    当接收到所述终端基于所述至少一个常用地址信息发送的目标地址信息时，基于所述信用额度、所述用户账号的剩余数值、所述目标数值和云端服务器的剩余数值，进行数值转移，所述目标地址信息为当前进行数值转移的地址信息。
  3. 如权利要求2所述的方法，其特征在于，所述基于所述信用额度、所述用户账号的剩余数值、所述目标数值和云端服务器的剩余数值，进行数值转移，包括：
    当所述用户账号的剩余数值大于或等于所述目标数值时，从所述用户账号的剩余数值中扣除所述目标数值，并将扣除的目标数值增加到云端服务器的剩余数值中；
    当所述用户账号的剩余数值小于所述目标数值时，判断所述信用额度是否大于所述目标数值；
    当所述信用额度大于所述目标数值时，计算所述用户账号的剩余数值与所述目标数值之间的差值；
    扣除所述用户账号的剩余数值，并将扣除的剩余数值增加到所述云端服务器的剩余数值中；
    将所述用户账号的待处理数值设置为所述差值，并为所述待处理数值设置处理期限，使所述终端在所述处理期限之前，向所述用户账号中增加所述差值。
  4. 如权利要求1所述的方法，其特征在于，所述基于所述用户特征信息和所述用户账号，获取用户的信用信息和历史数值转移记录，包括：
    基于所述用户特征信息，从存储的特征信息与身份标识之间的对应关系中，获取用户的 身份标识；
    基于所述用户的身份标识，获取所述用户的信用信息；
    基于所述用户账号，从存储的用户账号与历史数值转移记录之间的对应关系中，获取对应的历史数值转移记录。
  5. 如权利要求4所述的方法，其特征在于，所述基于所述用户的身份标识，获取所述用户的信用信息，包括：
    基于所述用户的身份标识，从存储的身份标识与信用信息之间的对应关系中，查找对应的信用信息；
    如果查找到对应的信用信息，则将查找的信用信息确定为所述用户的信用信息。
  6. 如权利要求5所述的方法，其特征在于，所述基于所述用户的身份标识，从存储的身份标识与信用信息之间的对应关系中，查找对应的信用信息之后，还包括：
    如果未查找到对应的信用信息，则向信用信息服务器发送信息获取请求，所述信息获取请求中携带所述用户的身份标识；
    当接收到所述信用信息服务器发送的信用信息时，将接收的信用信息确定为所述用户的信用信息。
  7. 一种数值转移方法，其特征在于，所述方法包括：
    当接收到数值转移指令时，对当前使用终端的用户进行图像采集，得到目标图像；
    提取所述目标图像中的用户特征信息；
    向云端服务器发送数值转移请求，使所述云端服务器基于所述数值转移请求进行数值转移，所述数值转移请求携带所述用户特征信息、所述终端当前登录的用户账号和当前进行数值转移的目标数值。
  8. 一种云端服务器，其特征在于，所述云端服务器包括：
    接收模块，用于接收终端发送的数值转移请求，所述数值转移请求携带用户特征信息、所述终端当前登录的用户账号和当前进行数值转移的目标数值，所述用户特征信息是所述终端对目标图像进行特征提取得到；
    获取模块，用于基于所述用户特征信息和所述用户账号，获取用户的信用信息和历史数值转移记录；
    数值转移模块，用于基于所述信用信息、所述历史数值转移记录和所述目标数值，进行数值转移。
  9. 如权利要求8所述的云端服务器，其特征在于，所述数值转移模块包括：
    确定单元，用于基于所述信用信息和所述历史数值转移记录，确定所述用户的信用额度；
    第一获取单元，用于基于所述用户账号，从存储的用户账号与常用地址信息之间的对应关系中，获取至少一个常用地址信息；
    发送单元，用于将所述至少一个常用地址信息发送给所述终端，使所述终端显示所述至少一个常用地址信息；
    数值转移单元，用于当接收到所述终端基于所述至少一个常用地址信息发送的目标地址信息时，基于所述信用额度、所述用户账号的剩余数值、所述目标数值和云端服务器的剩余数值，进行数值转移，所述目标地址信息为当前进行数值转移的地址信息。
  10. 如权利要求9所述的云端服务器，其特征在于，所述数值转移单元包括：
    第一扣除子单元，用于当所述用户账号的剩余数值大于或等于所述目标数值时，从所述用户账号的剩余数值中扣除所述目标数值，并将扣除的目标数值增加到云端服务器的剩余数值中；
    判断子单元，用于当所述用户账号的剩余数值小于所述目标数值时，判断所述信用额度是否大于所述目标数值；
    计算子单元，用于当所述信用额度大于所述目标数值时，计算所述用户账号的剩余数值与所述目标数值之间的差值；
    第二扣除子单元，用于扣除所述用户账号的剩余数值，并将扣除的剩余数值增加到所述云端服务器的剩余数值中；
    设置子单元，用于将所述用户账号的待处理数值设置为所述差值，并为所述待处理数值设置处理期限，使所述终端在所述处理期限之前，向所述用户账号中增加所述差值。
  11. 如权利要求8所述的云端服务器，其特征在于，所述获取模块包括：
    第二获取单元，用于基于所述用户特征信息，从存储的特征信息与身份标识之间的对应关系中，获取用户的身份标识；
    第三获取单元，用于基于所述用户的身份标识，获取所述用户的信用信息；
    第四获取单元，用于基于所述用户账号，从存储的用户账号与历史数值转移记录之间的对应关系中，获取对应的历史数值转移记录。
  12. 如权利要求11所述的云端服务器，其特征在于，所述第三获取单元包括：
    查找子单元，用于基于所述用户的身份标识，从存储的身份标识与信用信息之间的对应关系中，查找对应的信用信息；
    第一确定子单元，用于如果查找到对应的信用信息，则将查找的信用信息确定为所述用户的信用信息。
  13. 如权利要求12所述的云端服务器，其特征在于，所述第三获取单元还包括：
    发送子单元，用于如果未查找到对应的信用信息，则向信用信息服务器发送信息获取请求，所述信息获取请求中携带所述用户的身份标识；
    第二确定子单元，用于当接收到所述信用信息服务器发送的信用信息时，将接收的信用信息确定为所述用户的信用信息。
  14. 一种终端，其特征在于，所述终端包括：
    图像采集模块，用于当接收到数值转移指令时，对当前使用终端的用户进行图像采集，得到目标图像；
    提取模块，用于提取所述目标图像中的用户特征信息；
    第一发送模块，用于向云端服务器发送数值转移请求，使所述云端服务器基于所述数值转移请求进行数值转移，所述数值转移请求携带所述用户特征信息、所述终端当前登录的用户账号和当前进行数值转移的目标数值。
  15. 一种云端服务器，其特征在于，所述云端服务器包括：
    处理器；
    用于存储处理器可执行指令的存储器；
    其中，所述处理器被配置为：
    接收终端发送的数值转移请求，所述数值转移请求携带用户特征信息、所述终端当前登录的用户账号和当前进行数值转移的目标数值，所述用户特征信息是所述终端对目标图像进行特征提取得到；
    基于所述用户特征信息和所述用户账号，获取用户的信用信息和历史数值转移记录；
    基于所述信用信息、所述历史数值转移记录和所述目标数值，进行数值转移。
  16. 一种终端，其特征在于，所述终端包括：
    处理器；
    用于存储处理器可执行指令的存储器；
    其中，所述处理器被配置为：
    当接收到数值转移指令时，对当前使用终端的用户进行图像采集，得到目标图像；
    提取所述目标图像中的用户特征信息；
    向云端服务器发送数值转移请求，使所述云端服务器基于所述数值转移请求进行数值转移，所述数值转移请求携带所述用户特征信息、所述终端当前登录的用户账号和当前进行数值转移的目标数值。
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