Numerical transfer methods, systems, devices, terminals and storage media

Abstract

This application discloses a numerical transfer method, system, apparatus, terminal, and storage medium, belonging to the field of network technology. In response to a first user's touch operation on a numerical transfer option, if the network signal strength of the first terminal is below a signal threshold, the first terminal obtains the first user's identity verification information based on a local verification interface, thereby enabling the first terminal to authenticate the first user. If the authentication is successful, a numerical transfer credential is generated. If the network signal strength of the first terminal is above the signal threshold, a settlement request is sent to the server, causing the server to execute the numerical transfer operation in response to the settlement request. The numerical transfer method in this application does not rely on near-field communication, enabling authentication in environments without or with weak network coverage, thus improving the security of the numerical transfer process in such environments.

Description

Technical Field

[0001] This application relates to the field of network technology, and in particular to a numerical transfer method, system, device, terminal and storage medium. Background Technology

[0002] With the development of network technology, users can perform data transfer operations (such as online payments) anytime and anywhere based on their terminals. Typically, data transfer operations require both the terminals of the data transfer parties to have a good network environment.

[0003] Currently, in environments without or with weak network coverage, the terminals of both parties involved in the data transfer can establish a near-field communication connection (such as Bluetooth or RF connection) and then transmit order information during the data transfer process based on the near-field communication connection, thereby enabling data transfer operations in environments without or with weak network coverage. Summary of the Invention

[0004] This application provides a numerical transfer method, system, apparatus, terminal, and storage medium, which can solve the problem of poor security during numerical transfer in environments without or with weak network coverage. The technical solution is as follows:

[0005] On the one hand, a numerical transfer method is provided, which includes:

[0006] In response to the first user's touch operation on the value transfer option in the target page, if the network signal strength of the first terminal is lower than the signal threshold, the identity verification information of the first user is obtained based on the local verification interface. The value transfer option is used to trigger the value transfer to the second user. The first terminal corresponds to the first user.

[0007] If the identity verification information passes the verification, a value transfer certificate is generated, which carries the first user information, the second user information, and the target value.

[0008] The identification code of the value transfer certificate is displayed in the value transfer interface. The identification code is used to provide the scanning object to the second terminal, which corresponds to the second user.

[0009] If the network signal strength of the first terminal is higher than the signal threshold, a settlement request carrying the value transfer certificate is sent to the server. The settlement request is used to request the server to respond to the settlement request and perform a value transfer operation to transfer the target value to the second user.

[0010] In one possible implementation, after sending a settlement request carrying the numerical transfer certificate to the server, the method further includes:

[0011] The system receives the settlement result returned by the server based on the settlement request, and updates the account balance of the first user according to the settlement result. The account balance is the value obtained by subtracting the target value from the original value.

[0012] In one possible implementation, obtaining the identity verification information of the first user based on the local verification interface includes:

[0013] Call the local password verification interface to obtain the password entered by the first user; or,

[0014] Call the local biometrics interface to obtain the biometrics information of the first user.

[0015] In one possible implementation, generating the numerical transfer certificate includes:

[0016] Obtain the second user information, target item price, and target item quantity from the page where the value transfer option is located;

[0017] The target value is determined based on the price and quantity of the target item, wherein the target value is obtained by multiplying the price and quantity of the target item.

[0018] The value transfer certificate is generated based on the first user's first user information, the second user information, and the target value.

[0019] In one possible implementation, the step of responding to a first user's touch operation on a value transfer option in the target page, if the network signal strength of the first terminal is lower than a signal threshold, and obtaining the first user's identity verification information based on a local verification interface includes:

[0020] In response to the first user's touch operation on the value transfer option in the target page, the current wireless network signal strength and mobile communication signal strength are obtained. If the wireless network signal strength is lower than the first signal threshold and the mobile communication signal strength is lower than the second signal threshold, the step of obtaining identity verification information is executed.

[0021] On the one hand, a numerical transfer method is provided, which includes:

[0022] If the network signal strength of the second terminal is lower than the signal threshold, scan the identification code of the value transfer certificate displayed by the first terminal, parse the identification code of the value transfer certificate, and obtain the first user information, the second user information and the target value carried in the value transfer certificate. The first terminal corresponds to the first user and the second terminal corresponds to the second user.

[0023] If the second user information is verified, the value transfer certificate is stored;

[0024] If the network signal strength of the second terminal is higher than the signal threshold, a settlement request carrying the value transfer certificate is sent to the server. The settlement request is used to request the server to respond to the settlement request and perform a value transfer operation to transfer the target value to the second user.

[0025] The value transfer credential is generated by the first terminal in response to the first user's touch operation on the value transfer option in the target page. If the network signal strength of the first terminal is lower than the signal threshold, the first terminal obtains the identity verification information of the first user based on the local verification interface. If the identity verification information is verified successfully, the value transfer option is used to trigger the value transfer to the second user.

[0026] On the one hand, a numerical transfer system is provided, the system including a first terminal and a second terminal, the first terminal corresponding to a first user and the second terminal corresponding to a second user;

[0027] The first terminal is configured to respond to a first user's touch operation on a value transfer option on a target page. If the network signal strength of the first terminal is lower than a signal threshold, it obtains the first user's identity verification information based on a local verification interface. The value transfer option is used to trigger a value transfer to a second user. If the first terminal verifies the identity verification information, it generates a value transfer credential, which carries the first user information, the second user information, and the target value. The identification code of the value transfer credential is displayed in the value transfer interface, and the identification code is used to provide a scanning object to the second terminal.

[0028] The second terminal is configured to scan the identifier code of the value transfer certificate displayed by the first terminal if the network signal strength of the second terminal is lower than the signal threshold, parse the identifier code of the value transfer certificate, and obtain the first user information, the second user information, and the target value carried in the value transfer certificate; if the second terminal verifies the second user information, it stores the value transfer certificate.

[0029] If the network signal strength of either the first terminal or the second terminal is higher than the signal threshold, the device sends a settlement request carrying the value transfer certificate to the server. The settlement request is used to request the server to respond to the settlement request and perform a value transfer operation to transfer the target value to the second user.

[0030] On the one hand, a numerical transfer device is provided, the device comprising:

[0031] The acquisition module is used to respond to the first user's touch operation on the value transfer option in the target page. If the network signal strength of the first terminal is lower than the signal threshold, the identity verification information of the first user is obtained based on the local verification interface. The value transfer option is used to trigger the value transfer to the second user. The first terminal corresponds to the first user.

[0032] The generation module is used to generate a value transfer certificate if the identity verification information is verified successfully. The value transfer certificate carries first user information, second user information and target value.

[0033] The display module is used to display the identification code of the value transfer certificate in the value transfer interface. The identification code is used to provide a scanning object to the second terminal, which corresponds to the second user.

[0034] The sending module is configured to send a settlement request carrying the value transfer certificate to the server if the network signal strength of the first terminal is higher than the signal threshold. The settlement request is used to request the server to respond to the settlement request and perform a value transfer operation to transfer the target value to the second user.

[0035] In one possible implementation, the device further includes:

[0036] The system receives the settlement result returned by the server based on the settlement request, and updates the account balance of the first user according to the settlement result. The account balance is the value obtained by subtracting the target value from the original value.

[0037] In one possible implementation, the acquisition module is used to:

[0038] Call the local password verification interface to obtain the password entered by the first user; or,

[0039] Call the local biometrics interface to obtain the biometrics information of the first user.

[0040] In one possible implementation, the generation module is used to:

[0041] Obtain the second user information, target item price, and target item quantity from the page where the value transfer option is located;

[0042] The target value is determined based on the price and quantity of the target item, wherein the target value is obtained by multiplying the price and quantity of the target item.

[0043] The value transfer certificate is generated based on the first user's first user information, the second user information, and the target value.

[0044] In one possible implementation, the acquisition module is used to:

[0045] In response to the first user's touch operation on the value transfer option in the target page, the current wireless network signal strength and mobile communication signal strength are obtained. If the wireless network signal strength is lower than the first signal threshold and the mobile communication signal strength is lower than the second signal threshold, the step of obtaining identity verification information is executed.

[0046] On the one hand, a numerical transfer device is provided, the device comprising:

[0047] The scanning and parsing module is used to scan the identification code of the value transfer certificate displayed by the first terminal if the network signal strength of the second terminal is lower than the signal threshold, parse the identification code of the value transfer certificate, and obtain the first user information, the second user information and the target value carried in the value transfer certificate. The first terminal corresponds to the first user and the second terminal corresponds to the second user.

[0048] The storage module is used to store the value transfer certificate if the second user information is verified successfully.

[0049] The sending module is configured to send a settlement request carrying the value transfer certificate to the server if the network signal strength of the second terminal is higher than the signal threshold. The settlement request is used to request the server to respond to the settlement request and perform a value transfer operation to transfer the target value to the second user.

[0050] The value transfer credential is generated by the first terminal in response to the first user's touch operation on the value transfer option in the target page. If the network signal strength of the first terminal is lower than the signal threshold, the first terminal obtains the identity verification information of the first user based on the local verification interface. If the identity verification information is verified successfully, the value transfer option is used to trigger the value transfer to the second user.

[0051] On one hand, a terminal is provided, comprising one or more processors and one or more memories, wherein at least one piece of program code is stored in the one or more memories, the at least one piece of program code being loaded and executed by the one or more processors to perform the operations performed by the numerical transfer method as described in any of the above possible implementations.

[0052] On the one hand, a storage medium is provided that stores at least one line of program code, which is loaded and executed by a processor to perform the operations performed by the numerical transfer method as described in any of the possible implementations above.

[0053] The beneficial effects of the technical solutions provided in this application include at least the following:

[0054] In response to a first user's touch operation on the value transfer option, if the network signal strength of the first terminal is lower than the signal threshold, the identity verification information of the first user is obtained based on the local verification interface. The value transfer option is used to trigger a value transfer to the second user, thereby enabling the first terminal to authenticate the first user. If the identity verification information is verified successfully, a value transfer certificate is generated. This value transfer certificate carries the first user information, the second user information, and the target value, ensuring that the value transfer certificate is only generated under the condition of successful identity verification, and displaying the identification code of the value transfer certificate. If the network signal strength of the first terminal is higher than the signal threshold, a settlement request is sent to the server, causing the server to respond to the settlement request and execute the value transfer operation to transfer the target value to the second user. Since identity verification is based on the local verification interface and the value transfer certificate is generated directly locally, the value transfer method in this application does not rely on near-field communication. That is to say, the two parties to the value transfer operation do not need to establish near-field communication to perform value transfer, and identity verification can be achieved in environments without network or with weak network, thus improving the security of the value transfer process in environments without network or with weak network. Attached Figure Description

[0055] To more clearly illustrate the technical solutions in the embodiments of this application, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0056] Figure 1 This is a schematic diagram of the implementation environment of a numerical transfer method provided in an embodiment of this application;

[0057] Figure 2 This is a flowchart of a numerical transfer method provided in an embodiment of this application;

[0058] Figure 3 This is an interactive flowchart of a numerical transfer method provided in an embodiment of this application;

[0059] Figure 4 This is a schematic diagram of the structure of a numerical transfer device provided in an embodiment of this application;

[0060] Figure 5 This is a schematic diagram of the structure of a numerical transfer device provided in an embodiment of this application;

[0061] Figure 6 A structural block diagram of a terminal 600 provided in an exemplary embodiment of this application is shown. Detailed Implementation

[0062] To make the objectives, technical solutions, and advantages of this application clearer, the embodiments of this application will be described in further detail below with reference to the accompanying drawings.

[0063] Figure 1 This is a schematic diagram illustrating the implementation environment of a numerical transfer method provided in an embodiment of this application. See also... Figure 1 This implementation environment may include a first terminal 101, a second terminal 102, and a server 103, which will be described in detail below:

[0064] In the above implementation environment, the first terminal 101 can correspond to the first user. For example, the first user can be the value transferor in a value transfer process, that is, the first user is usually the buyer in the value transfer process.

[0065] Optionally, an application client can be installed on the first terminal 101 to enable the first terminal 101 to implement the numerical transfer method in this embodiment based on the application client. The application client can be used to provide numerical transfer services for a target object, which can be any actual commodity or service, such as clothing, food, or daily necessities.

[0066] In the above implementation environment, the second terminal 102 can correspond to a second user. For example, the second user can be the value transferee in a value transfer process, that is, the second user is usually the seller user in the value transfer process.

[0067] Optionally, an application client may also be installed on the second terminal 102. In some embodiments, the second terminal 102 may also be equipped with a scanning device, so that the second terminal 102 can scan the identification code presented by the first terminal 101 through the scanning device, thereby enabling the data transfer operation to be completed conveniently and quickly.

[0068] It should be noted that the application clients installed on the first terminal 101 and the second terminal 102 can be different versions. For example, the first terminal 101 may have a buyer version application client installed, while the second terminal 102 may have a seller version application client installed. Different versions of the application client can provide different display interfaces.

[0069] For example, in the buyer version of the application client, options such as product search, product recommendation, and consumption bill can be displayed on the homepage. In the seller version of the application client, options such as withdrawal, inventory update, and today's earnings can be displayed on the homepage, thus facilitating value transfer operations for users with different identities.

[0070] Optionally, server 103 corresponds to the application client and is used to provide background value transfer services for the application client.

[0071] Indicatively, in some scenarios, a first user can register a first account on server 103 based on the application client of the first terminal 101, and a second user can register a second account on server 103 based on the application client of the second terminal 102. Thus, the first user and the second user can transfer values ​​from the first user's first account to the second user's second account through server 103 based on their respective application clients.

[0072] Based on the above implementation environment, Figure 2 This is a flowchart of a numerical transfer method provided in an embodiment of this application. See also... Figure 2 This embodiment can be applied to the first terminal in the above-described implementation environment, and includes the following steps:

[0073] 201. In response to a first user’s touch operation on a value transfer option on a target page, if the network signal strength of the first terminal is lower than the signal threshold, the first terminal obtains the identity verification information of the first user based on a local verification interface. The value transfer option is used to trigger a value transfer to a second user. The first terminal corresponds to the first user.

[0074] 202. If the identity verification information is verified, the first terminal generates a value transfer certificate, which carries the first user information, the second user information and the target value.

[0075] 203. The first terminal displays the identification code of the value transfer certificate in the value transfer interface. The identification code is used to provide the scanning object to the second terminal, which corresponds to the second user.

[0076] 204. If the network signal strength of the first terminal is higher than the signal threshold, the first terminal sends a settlement request carrying the value transfer certificate to the server. The settlement request is used to request the server to respond to the settlement request and perform a value transfer operation to transfer the target value to the second user.

[0077] The method provided in this application, in response to a first user's touch operation on a value transfer option, if the network signal strength of the first terminal is lower than a signal threshold, obtains the identity verification information of the first user based on a local verification interface. The value transfer option is used to trigger a value transfer to a second user, thereby enabling the first terminal to authenticate the first user. If the identity verification information is verified successfully, a value transfer certificate is generated. This value transfer certificate carries the first user information, the second user information, and the target value, ensuring that the value transfer certificate is only generated under the condition of successful identity verification, and displaying the identifier code of the value transfer certificate. If the network signal strength of the first terminal is higher than the signal threshold, a settlement request is sent to the server, causing the server to respond to the settlement request and execute a value transfer operation to transfer the target value to the second user. Since identity verification is based on a local verification interface and the value transfer certificate is generated locally, the value transfer method in this application does not rely on near-field communication. That is to say, the two parties in the value transfer operation do not need to establish near-field communication to perform value transfer, and identity verification can be achieved in environments without network or with weak network, improving the security of the value transfer process in environments without network or with weak network.

[0078] In one possible implementation, after sending a settlement request carrying the numerical transfer certificate to the server, the method further includes:

[0079] Receive the settlement result returned by the server based on the settlement request, and update the account balance of the first user according to the settlement result. The account balance is the value obtained by subtracting the target value from the original value.

[0080] In one possible implementation, obtaining the identity verification information of the first user based on a local verification interface includes:

[0081] Call the local password verification interface to retrieve the password entered by the first user; or,

[0082] Call the local biometrics interface to obtain the biometrics information of the first user.

[0083] In one possible implementation, generating a numerical transfer certificate includes:

[0084] Retrieve the second user information, target item price, and target item quantity from the page where the value transfer option is located;

[0085] The target value is determined based on the price and quantity of the target item. The target value is obtained by multiplying the price and quantity of the target item.

[0086] Based on the first user's first user information, the second user information, and the target value, generate the value transfer certificate.

[0087] In one possible implementation, in response to a first user's touch operation on a value transfer option on a target page, if the network signal strength of the first terminal is lower than a signal threshold, obtaining the first user's identity verification information based on a local verification interface includes:

[0088] In response to the first user's touch operation on the value transfer option in the target page, the current wireless network signal strength and mobile communication signal strength are obtained. If the wireless network signal strength is lower than the first signal threshold and the mobile communication signal strength is lower than the second signal threshold, the step of obtaining identity verification information is executed.

[0089] All of the above-mentioned optional technical solutions can be combined in any way to form optional embodiments of this disclosure, and will not be described in detail here.

[0090] Figure 3 This is an interactive flowchart of a numerical transfer method provided in an embodiment of this application. See also... Figure 3 This embodiment is applied to the interaction process between a first terminal and a second terminal, and includes:

[0091] 301. The first terminal displays the target page, which includes the value transfer option, second user information, target item price, and target item quantity.

[0092] In this context, the first terminal corresponds to the first user, who can be the data transferor in the data transfer process. Correspondingly, the second terminal corresponds to the second user, who can be the data transferee in the data transfer process. For example, the first user is the buyer in the data transfer process, and the second user is the seller in the data transfer process.

[0093] It should be noted that "first user" and "second user" are merely distinguishing designations for users with different roles during a specific value transfer process. In some value transfer processes, a single user may be both the first user and the second user, meaning that the user is transferring value from one of their accounts to another of their own accounts. Of course, a single user may be the first user in one value transfer process and the second user in another.

[0094] Optionally, an application client may be installed on the first terminal, which can be used to provide numerical transfer services for the target object.

[0095] In the above process, after logging into the application client on the terminal, the first user can browse the details page of each target item in the application client. When the first user wants to purchase a target item, he / she can click the order option in the details page of the target item. The first terminal responds to the first user's click operation on the order option and displays the target page. The target page includes the value transfer option, the second user information, the price of the target item, and the quantity of the target item. After the first user verifies that the second user information, the price of the target item, and the quantity of the target item are correct, he / she can perform a touch operation on the value transfer option in the target page and perform the following step 302.

[0096] Here, the target item refers to any actual commodity or service, the target item price refers to the selling price set by the second user for the target item, and the target item quantity refers to the quantity of the target item that the first user intends to purchase. Furthermore, the second user information may include the second user's username, second user account, etc.

[0097] 302. In response to the first user's touch operation on the value transfer option in the target page, if the network signal strength of the first terminal is lower than the signal threshold, the first terminal obtains the identity verification information of the first user based on the local verification interface, and the value transfer option is used to trigger the value transfer to the second user.

[0098] Optionally, the network signal strength of the first terminal can refer to the strength of the mobile communication signal of the first terminal, such as 2G (2-Generation wireless telephone technology), 3G (3-Generation wireless telephone technology), 4G (4-Generation wireless telephone technology), 5G (5-Generation wireless telephone technology), etc. Of course, the network signal strength of the second terminal can also refer to the strength of the wireless network signal, such as WiFi (wireless fidelity) signal. This application embodiment does not specifically limit which type of signal strength is referred to.

[0099] Optionally, when the first user touches the value transfer option on the target page, the first terminal, in response to the first user's touch operation on the value transfer option on the target page, can obtain the current wireless network signal strength and mobile communication signal strength. If the wireless network signal strength is lower than a first signal threshold and the mobile communication signal strength is lower than a second signal threshold, then the step of obtaining identity verification information is executed, wherein the first signal threshold and the second signal threshold are either values ​​greater than 0.

[0100] In the above process, when the network signal strength is higher than the signal threshold, the first terminal can prompt the user to enter identity information in advance and store the user's entered identity information locally. Then, after the first user clicks the value transfer option on the target page, if the network signal strength is lower than the signal threshold, the first terminal will respond to the first user's touch operation on the value transfer option, and collect the above identity verification information by calling the local verification interface. The collected identity verification information is compared with the locally stored identity information. If they are consistent, that is, the identity verification information is verified and the following step 303 is executed.

[0101] In some embodiments, during authentication, the first terminal may call a local password verification interface to obtain the password entered by the first user; or, the first terminal may call a local biometric interface to obtain the biometric information of the first user. Optionally, the biometric interface may include at least one of a fingerprint recognition interface, a voiceprint recognition interface, or a face recognition interface. Of course, the password may also include a text password or a pattern password, etc.

[0102] Specifically, when the fingerprint recognition interface is called, the biometric information obtained can be a fingerprint; when the voiceprint recognition interface is called, the biometric information obtained can be a voiceprint; and when the face recognition interface is called, the biometric information obtained can be a face image.

[0103] It should be noted that when determining which verification interface to call, the first terminal can first determine the type of locally stored identity information. Then, among the verification interfaces corresponding to that type of identity information, the terminal determines the verification interface to call based on the target priority. This target priority can be set by the first terminal by default or by the first user.

[0104] For example, if the first user has pre-registered a password, fingerprint, and facial image on the first terminal in a good network environment (network signal strength above the signal threshold), and in a no-network / weak-network environment (signal strength below the signal threshold), the first terminal determines that the locally stored identity information includes password, fingerprint, and facial image. Based on the type of identity information, it determines the verifiable interfaces that can be called, including password verification interface, fingerprint recognition interface, and facial recognition interface. Assuming that the first terminal's default target priority is voiceprint > fingerprint > facial image > password, since the first user has not registered a voiceprint, the first terminal can determine the fingerprint recognition interface, which is currently available and has the highest target priority, as the verification interface to be called this time.

[0105] In the aforementioned process, when using biometric interfaces such as fingerprint recognition, voiceprint recognition, or facial recognition, the biometric information of the first user can be directly verified, resulting in higher security and reliability. Conversely, using password verification interfaces for identity verification allows for faster and more convenient authentication. Furthermore, combining multiple verification methods provides multi-layered checks, maximizing the security of data transfer in offline / weak network environments.

[0106] 303. If the identity verification information is verified, the first terminal obtains the second user information, target price and target quantity on the page where the value transfer option is located.

[0107] The page containing this value transfer option is also the target page in step 301 above.

[0108] During the above process, the first terminal can compare the obtained identity verification information with the locally stored identity information. If the two match, the identity verification information is considered to have been verified. If the two do not match, step 302 can be repeated to complete the verification process. If the verification fails after reaching the target number of times, a message indicating identity verification failure can be displayed on the target page, and the current value transfer operation can be terminated.

[0109] If the verification is successful during the above process, the first terminal can capture the second user information, the price of the target item, and the quantity of the target item on the target page. Optionally, the above capture operation can be implemented based on the API (application programming interface) provided in the application client or the terminal's native library.

[0110] 304. The first terminal determines the target value based on the price and quantity of the target item. The target value is obtained by multiplying the price and quantity of the target item.

[0111] In the above process, the first terminal can directly determine the target value as the value obtained by multiplying the price of the target item by the quantity of the target item.

[0112] In some embodiments, if the server corresponding to the application client pushes coupons, vouchers, or other ticket resources to the first user, and if the deduction conditions of any coupon resource are met, the first terminal can also determine the value obtained by multiplying the price of the target item by the quantity of the target item as the first value, determine the deduction value of the coupon resource as the second value, and determine the value obtained by subtracting the first value from the second value as the target value.

[0113] 305. The first terminal generates a value transfer certificate based on the first user information, the second user information, and the target value, and stores the value transfer certificate.

[0114] In step 303 above, the first terminal obtains the second user information. In step 304 above, the first terminal obtains the target value. The first terminal can determine the first user's currently logged-in first account in the application client as the first user information. Then, according to the encryption algorithm, the first user information, the second user information, and the target value are encrypted. The encrypted ciphertext is obtained as a value transfer credential and stored. The encryption algorithm can be a symmetric encryption algorithm or an asymmetric encryption algorithm, etc.

[0115] In some embodiments, before the first terminal performs encryption, a one-way hash function can be used to process the first user information, the second user information, and the target value to obtain a digital digest. Then, the first user information, the second user information, the target value, and the digital digest are encrypted to obtain the value transfer credential.

[0116] In the above process, when the network signal strength of the first terminal is lower than the signal threshold, the first terminal may perform one or more value transfer operations. Each value transfer operation will generate a corresponding value transfer certificate. Therefore, when storing the value transfer certificates, each value transfer certificate can be stored in the buffer of the first terminal according to the certificate generation time. Once the network signal strength of the first terminal is higher than the signal threshold, one or more value transfer certificates in the buffer can be sent to the server through the following step 310.

[0117] In steps 303-305 above, the first terminal can calculate the target value by capturing the second user information, the price of the target item, and the quantity of the target item from the target page. Based on the first user information, the second user information, and the target value, a value transfer certificate can be generated, which carries the first user information, the second user information, and the target value.

[0118] 306. The first terminal displays the identification code of the value transfer certificate in the value transfer interface. The identification code is used to provide the scanning object to the second terminal, which corresponds to the second user.

[0119] In the above process, when the first terminal clicks the value transfer option on the target page, if the first terminal successfully authenticates the first user, the first terminal can jump from the target page to the value transfer interface, which displays the identification code of the value transfer certificate. Optionally, the identification code can be a graphic identification code in the form of a barcode or QR code, or a text identification code in the form of a string.

[0120] In the above process, when the first terminal displays the graphic identification code of the value transfer certificate, the second terminal can easily scan the graphic identification code directly, which speeds up the value transfer. Optionally, in some embodiments, when the first terminal displays the text identification code of the value transfer certificate, the second user can manually input the string corresponding to the text identification code, which can avoid the problem that the graphic identification code can be easily scanned by other devices and then fraudulently used, thus enhancing the security of the value transfer.

[0121] 307. If the network signal strength of the second terminal is lower than the signal threshold, the second terminal scans the identification code of the numerical transfer certificate displayed by the first terminal. The first terminal corresponds to the first user, and the second terminal corresponds to the second user.

[0122] The value transfer credential is generated by the first terminal in response to the first user's touch operation on the value transfer option in the target page. If the network signal strength of the first terminal is lower than the signal threshold, the identity verification information of the first user is obtained based on the local verification interface. If the identity verification information is verified successfully, the value transfer option is used to trigger the value transfer to the second user.

[0123] It should be noted that when the second terminal determines whether the network signal strength is lower than the signal threshold, it can perform a similar operation to the first terminal's determination of whether the network signal strength is lower than the signal threshold in step 302 above, which will not be elaborated here.

[0124] In the above process, an application client can also be installed on the second terminal. Optionally, the second terminal can also be configured with a scanning device. Different graphic identification codes can correspond to different scanning devices. For example, the scanning device corresponding to a barcode can be a cash register scanner, while the scanning device corresponding to a QR code can be a camera.

[0125] In step 307 above, the second terminal can scan the graphic identification code displayed by the first terminal using a scanning device. If the first terminal displays a text identification code, the second user can also manually enter the string corresponding to the text identification code on the second terminal and then proceed to step 309 below.

[0126] 308. The second terminal parses the identifier code of the value transfer certificate to obtain the first user information, the second user information, and the target value carried in the value transfer certificate.

[0127] In step 307 above, the second user can log in to the application client on the second terminal and call the scanning device to scan the graphic identification code displayed on the first terminal to obtain the optical image corresponding to the graphic identification code. The scanning device converts the scanned optical image into a digital signal through a photoelectric converter, and parses the digital signal into a value transfer certificate. Then, the value transfer certificate is decrypted through a decryption algorithm to obtain the first user information, the second user information, and the target value. The decryption algorithm of the second terminal corresponds to the encryption algorithm of the first terminal.

[0128] In some embodiments, if the value transfer certificate also carries a digital digest, after the second terminal performs the decryption step, it can obtain the first user information, the second user information, the target value, and the digital digest. At this time, the second terminal can use a one-way hash function to process the first user information, the second user information, and the target value to obtain another digital digest. The second digital digest is then matched with the decrypted digital digest using regular expressions. If the two are matched, the verification process in step 309 below is then performed. Otherwise, if the two are matched, the value transfer certificate is deleted.

[0129] 309. The second terminal verifies the second user information. If the second user information is verified, the value transfer certificate is stored.

[0130] In the above process, the second terminal can perform regular expression matching between the second user information and the second user information logged in on the current application client. When the two match, the verification of the second user information is confirmed to be successful, and the value transfer certificate is stored. If the two do not match, that is, the verification fails, the value transfer certificate is deleted.

[0131] 310. If the network signal strength of either the first terminal or the second terminal is higher than the signal threshold, the device sends a settlement request carrying the value transfer certificate to the server. The settlement request is used to request the server to respond to the settlement request and perform a value transfer operation to transfer the target value to the second user.

[0132] During the above process, either the first terminal or the second terminal can execute the above-mentioned operation of sending a settlement request when the network signal strength is higher than the signal threshold. Specifically, it can be determined that the network signal strength of the device is higher than the signal threshold as long as the wireless network signal strength of the device is higher than the first signal threshold or the mobile communication signal strength is higher than the second signal threshold.

[0133] Optionally, the first or second terminal can immediately encapsulate one or more value transfer credentials stored in the buffer into a settlement request and send the settlement request to the server once it detects that the network signal strength is higher than the signal threshold, thereby enabling real-time settlement of the value transfer operation.

[0134] In some embodiments, the first terminal or the second terminal may also attempt to send a settlement request once every first target duration. If the network signal strength is lower than the signal threshold, the settlement request fails to be sent and waits for the next first target duration to send it again until the network signal strength is higher than the signal threshold, at which point the transmission is successful, and step 311 is executed, thereby enabling asynchronous settlement of the value transfer operation. The first terminal and the second terminal may have different first target durations, which can be any value greater than 0.

[0135] 311. In response to the settlement request, the server verifies the settlement request. If the verification is successful, the server performs a value transfer operation to transfer the target value to the second user and returns the settlement result to the first terminal and the second terminal.

[0136] In the above process, when the server receives a settlement request from either the first terminal or the second terminal, it parses the settlement request to obtain one or more value transfer vouchers. For each value transfer voucher, the server can first preliminarily verify whether the first user information and the second user information in the value transfer voucher are valid, and then verify a second time whether the balance in the first user's first account is greater than or equal to the target value. When both verifications pass, the server waits for the other terminal to send the same value transfer voucher. If the server subsequently receives the same value transfer voucher from the other terminal, it can be considered that the value transfer voucher has been fully verified, and the value transfer operation of transferring the target value to the second user can be executed.

[0137] In the above process, if the second terminal fails to verify the second user information, it will delete the scanned value transfer certificate. Therefore, if the server does not receive two identical value transfer certificates, it can be considered that the value transfer has failed and return a transfer failure response to the first terminal and the second terminal.

[0138] In some embodiments, when the server receives a settlement request, it can store one or more value transfer vouchers parsed from the settlement request in a cache. Whenever a new value transfer voucher arrives, it queries the existing value transfer vouchers. If any existing value transfer voucher is found, the value transfer voucher is considered to have been verified. The target value is deducted from the value stored corresponding to the first user's first account and added to the value stored corresponding to the second user's second account. When the deduction and addition are completed, a transfer success response is returned to the first terminal and the second terminal. The transfer success response carries the settlement result and the value transfer voucher is deleted from the cache.

[0139] In one possible implementation, in order to save server storage space, whenever the server stores a new value transfer certificate in the cache, a validity period can be set for the new value transfer certificate. The verification is considered successful only if the same value transfer certificate sent by another terminal is received within the validity period. Once the validity period is exceeded, the value transfer is directly determined to have failed, and a transfer failure response is sent.

[0140] 312. The first terminal receives the settlement result returned by the server based on the settlement request, and updates the account balance of the first user according to the settlement result. The account balance is the value obtained by subtracting the target value from the original value.

[0141] In the above process, the first terminal can receive a transfer success response from the server, parse the transfer success response to obtain the settlement result, and update the balance of the first user's first account based on the settlement result. Correspondingly, the second terminal executes step 313 below. Optionally, the above settlement result may not be carried in the transfer success response, but may be sent directly by the server separately.

[0142] 313. The second terminal receives the settlement result returned by the server based on the settlement request, and updates the account balance of the second user according to the settlement result. The account balance is the value obtained by adding the target value to the original value.

[0143] Step 313 above is similar to step 312 above, and will not be repeated here.

[0144] All of the above-mentioned optional technical solutions can be combined in any way to form optional embodiments of this disclosure, and will not be described in detail here.

[0145] The method provided in this application, in response to a first user's touch operation on a value transfer option, if the network signal strength of the first terminal is lower than a signal threshold, obtains the identity verification information of the first user based on a local verification interface. The value transfer option is used to trigger a value transfer to a second user, thereby enabling the first terminal to authenticate the first user. If the identity verification information is verified successfully, a value transfer certificate is generated. This value transfer certificate carries the first user information, the second user information, and the target value, ensuring that the value transfer certificate is only generated under the condition of successful identity verification, and displaying the identifier code of the value transfer certificate. If the network signal strength of the first terminal is higher than the signal threshold, a settlement request is sent to the server, causing the server to respond to the settlement request and execute a value transfer operation to transfer the target value to the second user. Since identity verification is based on a local verification interface and the value transfer certificate is generated locally, the value transfer method in this application does not rely on near-field communication. That is to say, the two parties in the value transfer operation do not need to establish near-field communication to perform value transfer, and identity verification can be achieved in environments without network or with weak network, improving the security of the value transfer process in environments without network or with weak network.

[0146] Figure 4 This is a schematic diagram of the structure of a numerical transfer device provided in an embodiment of this application. See also... Figure 4 The device includes:

[0147] The acquisition module 401 is used to respond to the touch operation of the first user on the value transfer option in the target page. If the network signal strength of the first terminal is lower than the signal threshold, the identity verification information of the first user is obtained based on the local verification interface. The value transfer option is used to trigger the value transfer to the second user. The first terminal corresponds to the first user.

[0148] The generation module 402 is used to generate a value transfer certificate if the identity verification information is verified successfully. The value transfer certificate carries the first user information, the second user information and the target value.

[0149] Display module 403 is used to display the identification code of the value transfer certificate in the value transfer interface. The identification code is used to provide the scanning object to the second terminal, which corresponds to the second user.

[0150] The sending module 404 is used to send a settlement request carrying the value transfer certificate to the server if the network signal strength of the first terminal is higher than the signal threshold. The settlement request is used to request the server to respond to the settlement request and perform a value transfer operation to transfer the target value to the second user.

[0151] The apparatus provided in this application, in response to a first user's touch operation on a value transfer option, if the network signal strength of the first terminal is lower than a signal threshold, obtains the identity verification information of the first user based on a local verification interface. The value transfer option is used to trigger a value transfer to a second user, thereby enabling the first terminal to authenticate the first user. If the identity verification information is verified successfully, a value transfer certificate is generated. This value transfer certificate carries the first user information, the second user information, and the target value, ensuring that the value transfer certificate is only generated under the condition of successful identity verification, and displays the identifier code of the value transfer certificate. If the network signal strength of the first terminal is higher than the signal threshold, a settlement request is sent to the server, causing the server to respond to the settlement request and execute a value transfer operation to transfer the target value to the second user. Since identity verification is based on a local verification interface and the value transfer certificate is generated locally, the value transfer method in this application does not rely on near-field communication. That is to say, the two parties to the value transfer operation do not need to establish near-field communication to perform value transfer, and identity verification can be achieved in environments without network or with weak network, thus improving the security of the value transfer process in environments without network or with weak network.

[0152] In one possible implementation, based on Figure 4 The device comprises:

[0153] Receive the settlement result returned by the server based on the settlement request, and update the account balance of the first user according to the settlement result. The account balance is the value obtained by subtracting the target value from the original value.

[0154] In one possible implementation, the acquisition module 401 is used for:

[0155] Call the local password verification interface to retrieve the password entered by the first user; or,

[0156] Call the local biometrics interface to obtain the biometrics information of the first user.

[0157] In one possible implementation, the generation module 402 is used for:

[0158] Retrieve the second user information, target item price, and target item quantity from the page where the value transfer option is located;

[0159] The target value is determined based on the price and quantity of the target item. The target value is obtained by multiplying the price and quantity of the target item.

[0160] Based on the first user's first user information, the second user information, and the target value, generate the value transfer certificate.

[0161] In one possible implementation, the acquisition module 401 is used for:

[0162] In response to the first user's touch operation on the value transfer option in the target page, the current wireless network signal strength and mobile communication signal strength are obtained. If the wireless network signal strength is lower than the first signal threshold and the mobile communication signal strength is lower than the second signal threshold, the step of obtaining identity verification information is executed.

[0163] All of the above-mentioned optional technical solutions can be combined in any way to form optional embodiments of this disclosure, and will not be described in detail here.

[0164] It should be noted that the numerical transfer device provided in the above embodiments is only illustrated by the division of the above functional modules when transferring values. In actual applications, the above functions can be assigned to different functional modules as needed, that is, the internal structure of the terminal can be divided into different functional modules to complete all or part of the functions described above. In addition, the numerical transfer device and the numerical transfer method embodiments provided in the above embodiments belong to the same concept, and the specific implementation process can be found in the numerical transfer method embodiments, which will not be repeated here.

[0165] Figure 5 This is a schematic diagram of the structure of a numerical transfer device provided in an embodiment of this application. See also... Figure 5 The device includes:

[0166] The scanning and parsing module 501 is used to scan the identification code of the value transfer certificate displayed by the first terminal if the network signal strength of the second terminal is lower than the signal threshold, parse the identification code of the value transfer certificate, and obtain the first user information, the second user information and the target value carried in the value transfer certificate. The first terminal corresponds to the first user and the second terminal corresponds to the second user.

[0167] Storage module 502 is used to store the value transfer certificate if the second user information is verified.

[0168] The sending module 503 is used to send a settlement request carrying the value transfer certificate to the server if the network signal strength of the second terminal is higher than the signal threshold. The settlement request is used to request the server to respond to the settlement request and perform a value transfer operation to transfer the target value to the second user.

[0169] The value transfer credential is generated by the first terminal in response to the first user's touch operation on the value transfer option in the target page. If the network signal strength of the first terminal is lower than the signal threshold, the identity verification information of the first user is obtained based on the local verification interface. If the identity verification information is verified successfully, the value transfer option is used to trigger the value transfer to the second user.

[0170] The apparatus provided in this application embodiment scans the identifier code of a value transfer certificate displayed by the first terminal if the network signal strength of the second terminal is lower than the signal threshold. The identifier code is then parsed to obtain the first user information, second user information, and target value carried in the value transfer certificate. The second user information is then verified. If the verification is successful, the value transfer is considered valid, and the value transfer certificate is stored. This allows the second terminal to send a settlement request carrying the value transfer certificate to the server if the network signal strength is higher than the signal threshold. The server then responds to the settlement request and performs a value transfer operation to transfer the target value to the second user. Since the scanning process of the identifier code by the second terminal does not rely on near-field communication (NFC), the two parties involved in the value transfer operation can perform the transfer without establishing NFC. Furthermore, after parsing the identifier code and obtaining the second user information, the device verifies whether the second user information matches its own information. Therefore, identity verification can be achieved on the second terminal side even in environments with no or weak network coverage, thereby improving the security of the value transfer process in such environments.

[0171] It should be noted that the numerical transfer device provided in the above embodiments is only illustrated by the division of the above functional modules when transferring values. In actual applications, the above functions can be assigned to different functional modules as needed, that is, the internal structure of the terminal can be divided into different functional modules to complete all or part of the functions described above. In addition, the numerical transfer device and the numerical transfer method embodiments provided in the above embodiments belong to the same concept, and the specific implementation process can be found in the numerical transfer method embodiments, which will not be repeated here.

[0172] Figure 6 This diagram illustrates a structural block diagram of a terminal 600 provided in an exemplary embodiment of this application. The terminal 600 may be the first terminal or the second terminal described in the above embodiments. The terminal 600 may be a smartphone, tablet computer, MP3 player (Moving Picture Experts Group Audio Layer III), MP4 player (Moving Picture Experts Group Audio Layer IV), laptop computer, or desktop computer. The terminal 600 may also be referred to as a user device, portable terminal, laptop terminal, desktop terminal, or other names.

[0173] Typically, terminal 600 includes a processor 601 and a memory 602.

[0174] Processor 601 may include one or more processing cores, such as a quad-core processor, an octa-core processor, etc. Processor 601 may be implemented using at least one hardware form selected from DSP (Digital Signal Processing), FPGA (Field-Programmable Gate Array), and PLA (Programmable Logic Array). Processor 601 may also include a main processor and a coprocessor. The main processor, also known as a CPU (Central Processing Unit), is used to process data in the wake-up state; the coprocessor is a low-power processor used to process data in the standby state. In some embodiments, processor 601 may integrate a GPU (Graphics Processing Unit), which is responsible for rendering and drawing the content to be displayed on the screen. In some embodiments, processor 601 may also include an AI (Artificial Intelligence) processor, which is used to handle computational operations related to machine learning.

[0175] The memory 602 may include one or more computer-readable storage media, which may be non-transitory. The memory 602 may also include high-speed random access memory and non-volatile memory, such as one or more disk storage devices or flash memory devices. In some embodiments, the non-transitory computer-readable storage media in the memory 602 are used to store at least one instruction, which is executed by the processor 601 to implement the value transfer methods provided in the various embodiments of this application.

[0176] In some embodiments, the terminal 600 may also optionally include a peripheral device interface 603 and at least one peripheral device. The processor 601, memory 602, and peripheral device interface 603 can be connected via a bus or signal line. Each peripheral device can be connected to the peripheral device interface 603 via a bus, signal line, or circuit board. Specifically, the peripheral device includes at least one of the following: a radio frequency circuit 604, a touch display screen 605, a camera assembly 606, an audio circuit 607, a positioning assembly 608, and a power supply 609.

[0177] Peripheral interface 603 can be used to connect at least one I / O (Input / Output) related peripheral device to processor 601 and memory 602. In some embodiments, processor 601, memory 602 and peripheral interface 603 are integrated on the same chip or circuit board; in some other embodiments, any one or two of processor 601, memory 602 and peripheral interface 603 can be implemented on separate chips or circuit boards, which is not limited in this embodiment.

[0178] The radio frequency (RF) circuit 604 is used to receive and transmit RF (Radio Frequency) signals, also known as electromagnetic signals. The RF circuit 604 communicates with communication networks and other communication devices via electromagnetic signals. The RF circuit 604 converts electrical signals into electromagnetic signals for transmission, or converts received electromagnetic signals back into electrical signals. Optionally, the RF circuit 604 includes: an antenna system, an RF transceiver, one or more amplifiers, a tuner, an oscillator, a digital signal processor, a codec chipset, a user identity module card, etc. The RF circuit 604 can communicate with other terminals through at least one wireless communication protocol. This wireless communication protocol includes, but is not limited to: metropolitan area networks (MANs), various generations of mobile communication networks (2G, 3G, 4G, and 5G), wireless local area networks (WLANs), and / or WiFi (Wireless Fidelity) networks. In some embodiments, the RF circuit 604 may also include circuitry related to NFC (Near Field Communication), which is not limited in this application.

[0179] Display screen 605 is used to display a UI (User Interface). This UI may include graphics, text, icons, videos, and any combination thereof. When display screen 605 is a touch display screen, it also has the ability to collect touch signals on or above its surface. These touch signals can be input as control signals to processor 601 for processing. In this case, display screen 605 can also be used to provide virtual buttons and / or a virtual keyboard, also known as soft buttons and / or a soft keyboard. In some embodiments, there may be one display screen 605, which serves as the front panel of terminal 600; in other embodiments, there may be at least two display screens, respectively disposed on different surfaces of terminal 600 or in a folded design; in still other embodiments, display screen 605 may be a flexible display screen, disposed on a curved or folded surface of terminal 600. Furthermore, display screen 605 may be configured as a non-rectangular, irregular shape, i.e., a non-rectangular screen. Display screen 605 may be made of materials such as LCD (Liquid Crystal Display) or OLED (Organic Light-Emitting Diode).

[0180] The camera assembly 606 is used to acquire images or videos. Optionally, the camera assembly 606 includes a front-facing camera and a rear-facing camera. Typically, the front-facing camera is located on the front panel of the terminal, and the rear-facing camera is located on the back of the terminal. In some embodiments, there are at least two rear-facing cameras, which are any one of a main camera, a depth-sensing camera, a wide-angle camera, and a telephoto camera, to achieve background blurring by fusion of the main camera and the depth-sensing camera, panoramic shooting by fusion of the main camera and the wide-angle camera, VR (Virtual Reality) shooting, or other fusion shooting functions. In some embodiments, the camera assembly 606 may also include a flash. The flash can be a single-color temperature flash or a dual-color temperature flash. A dual-color temperature flash refers to a combination of a warm light flash and a cool light flash, which can be used for light compensation at different color temperatures.

[0181] The audio circuit 607 may include a microphone and a speaker. The microphone is used to collect sound waves from the user and the environment, converting the sound waves into electrical signals that are input to the processor 601 for processing, or input to the radio frequency circuit 604 for voice communication. For stereo sound acquisition or noise reduction purposes, multiple microphones may be used, each located at a different part of the terminal 600. The microphone may also be an array microphone or an omnidirectional microphone. The speaker is used to convert the electrical signals from the processor 601 or the radio frequency circuit 604 into sound waves. The speaker may be a conventional diaphragm speaker or a piezoelectric ceramic speaker. When the speaker is a piezoelectric ceramic speaker, it can convert electrical signals not only into audible sound waves but also into inaudible sound waves for purposes such as distance measurement. In some embodiments, the audio circuit 607 may also include a headphone jack.

[0182] The positioning component 608 is used to determine the current geographic location of the terminal 600 in order to enable navigation or LBS (Location Based Service). The positioning component 608 can be a positioning component based on the US GPS (Global Positioning System), China's BeiDou system, Russia's Granas system, or the European Union's Galileo system.

[0183] Power supply 609 is used to supply power to the various components in terminal 600. Power supply 609 can be AC ​​power, DC power, a disposable battery, or a rechargeable battery. When power supply 609 includes a rechargeable battery, the rechargeable battery can support wired or wireless charging. The rechargeable battery can also be used to support fast charging technology.

[0184] In some embodiments, the terminal 600 further includes one or more sensors 610. The one or more sensors 610 include, but are not limited to: an accelerometer 611, a gyroscope 612, a pressure sensor 613, a fingerprint sensor 614, an optical sensor 615, and a proximity sensor 616.

[0185] Accelerometer 611 can detect the magnitude of acceleration along the three axes of a coordinate system established by terminal 600. For example, accelerometer 611 can be used to detect the components of gravitational acceleration along the three axes. Processor 601 can control touchscreen 605 to display the user interface in landscape or portrait view based on the gravitational acceleration signal acquired by accelerometer 611. Accelerometer 611 can also be used for games or for acquiring user motion data.

[0186] The gyroscope sensor 612 can detect the orientation and rotation angle of the terminal 600. The gyroscope sensor 612, in conjunction with the accelerometer sensor 611, can collect 3D motion data from the user on the terminal 600. Based on the data collected by the gyroscope sensor 612, the processor 601 can perform the following functions: motion sensing (e.g., changing the UI based on the user's tilt), image stabilization during shooting, game control, and inertial navigation.

[0187] The pressure sensor 613 can be installed on the side bezel of the terminal 600 and / or on the lower layer of the touch display screen 605. When the pressure sensor 613 is installed on the side bezel of the terminal 600, it can detect the user's grip signal on the terminal 600, and the processor 601 can perform left / right hand recognition or quick operation based on the grip signal collected by the pressure sensor 613. When the pressure sensor 613 is installed on the lower layer of the touch display screen 605, the processor 601 can control the operable controls on the UI interface based on the user's pressure operation on the touch display screen 605. The operable controls include at least one of the following: button controls, scroll bar controls, icon controls, and menu controls.

[0188] The fingerprint sensor 614 is used to collect a user's fingerprint. The processor 601 identifies the user based on the fingerprint collected by the fingerprint sensor 614, or vice versa. When the user's identity is identified as trusted, the processor 601 authorizes the user to perform relevant sensitive operations, including unlocking the screen, viewing encrypted information, downloading software, making payments, and changing settings. The fingerprint sensor 614 can be located on the front, back, or side of the terminal 600. When the terminal 600 has physical buttons or a manufacturer's logo, the fingerprint sensor 614 can be integrated with the physical buttons or manufacturer's logo.

[0189] An optical sensor 615 is used to collect ambient light intensity. In one embodiment, the processor 601 can control the display brightness of the touch screen 605 based on the ambient light intensity collected by the optical sensor 615. Specifically, when the ambient light intensity is high, the display brightness of the touch screen 605 is increased; when the ambient light intensity is low, the display brightness of the touch screen 605 is decreased. In another embodiment, the processor 601 can also dynamically adjust the shooting parameters of the camera assembly 606 based on the ambient light intensity collected by the optical sensor 615.

[0190] The proximity sensor 616, also known as a distance sensor, is typically located on the front panel of the terminal 600. The proximity sensor 616 is used to detect the distance between the user and the front of the terminal 600. In one embodiment, when the proximity sensor 616 detects that the distance between the user and the front of the terminal 600 is gradually decreasing, the processor 601 controls the touchscreen display 605 to switch from a screen-on state to a screen-off state; when the proximity sensor 616 detects that the distance between the user and the front of the terminal 600 is gradually increasing, the processor 601 controls the touchscreen display 605 to switch from a screen-off state to a screen-on state.

[0191] Those skilled in the art will understand that Figure 6 The structure shown does not constitute a limitation on terminal 600, and may include more or fewer components than shown, or combine certain components, or use different component arrangements.

[0192] In an exemplary embodiment, a computer-readable storage medium is also provided, such as a memory including at least one line of program code, which can be executed by a processor in a terminal to perform the value transfer method described above. For example, the computer-readable storage medium may be ROM (Read-Only Memory), RAM (Random-Access Memory), CD-ROM (Compact Disc Read-Only Memory), magnetic tape, floppy disk, and optical data storage device, etc.

[0193] Those skilled in the art will understand that all or part of the steps of the above embodiments can be implemented by hardware or by a program instructing related hardware. The program can be stored in a computer-readable storage medium, such as a read-only memory, a disk, or an optical disk.

[0194] The above description is only a preferred embodiment of this application and is not intended to limit this application. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this application should be included within the protection scope of this application.

Claims

1. A numerical transfer method, characterized in that, The method includes: The first terminal responds to the first user's touch operation on the value transfer option in the target page, obtains the current wireless network signal strength and mobile communication signal strength, and if the wireless network signal strength is lower than the first signal threshold and the mobile communication signal strength is lower than the second signal threshold, obtains the identity verification information of the first user based on the local verification interface, and the value transfer option is used to trigger the value transfer to the second user, and the first terminal corresponds to the first user; If the first terminal verifies the identity verification information, it generates a value transfer certificate. The value transfer certificate carries the first user information, the second user information, and the target value. The value transfer certificate is stored in the cache of the first terminal. The first terminal displays the identification code of the value transfer certificate in the value transfer interface. The identification code is used to provide the scanning object to the second terminal, which corresponds to the second user. If the wireless network signal strength of the second terminal is lower than the first signal threshold and the mobile communication signal strength is lower than the second signal threshold, scan the identification code of the value transfer certificate displayed by the first terminal, parse the identification code of the value transfer certificate, and obtain the first user information, the second user information and the target value carried in the value transfer certificate. If the second terminal verifies the second user information, the value transfer certificate is stored in the cache area; If the wireless network signal strength of either the first terminal or the second terminal is higher than the first signal threshold or the mobile communication signal strength is higher than the second signal threshold, the device sends a settlement request to the server carrying the value transfer certificate in the cache. The settlement request requests the server to respond to the settlement request by storing one or more value transfer certificates parsed from the settlement request in the cache, setting a validity period for the value transfer certificate, and performing a value transfer operation to transfer the target value to the second user when the same value certificate is received from another terminal within the validity period.

2. The method according to claim 1, characterized in that, After sending a settlement request carrying the numerical transfer certificate to the server, the method further includes: The system receives the settlement result returned by the server based on the settlement request, and updates the account balance of the first user according to the settlement result. The account balance is the value obtained by subtracting the target value from the original value.

3. The method according to claim 1, characterized in that, The process of obtaining the identity verification information of the first user through the local verification interface includes: Call the local password verification interface to obtain the password entered by the first user; or, Call the local biometrics interface to obtain the biometrics information of the first user.

4. The method according to claim 1, characterized in that, The generation of the numerical transfer certificate includes: Obtain the second user information, target item price, and target item quantity from the page where the value transfer option is located; The target value is determined based on the price and quantity of the target item, wherein the target value is obtained by multiplying the price and quantity of the target item. The value transfer certificate is generated based on the first user's first user information, the second user information, and the target value.

5. A numerical transfer system, characterized in that, The system includes a first terminal and a second terminal, wherein the first terminal corresponds to a first user and the second terminal corresponds to a second user; The first terminal is configured to respond to a first user's touch operation on a value transfer option on a target page, obtain the current wireless network signal strength and mobile communication signal strength, and if the wireless network signal strength is lower than a first signal threshold and the mobile communication signal strength is lower than a second signal threshold, obtain the first user's identity verification information based on a local verification interface. The value transfer option is used to trigger a value transfer to a second user. If the first terminal verifies the identity verification information, it generates a value transfer credential, which carries the first user information, the second user information, and the target value. The value transfer credential is stored in the cache of the first terminal. The identification code of the value transfer credential is displayed on the value transfer interface, and the identification code is used to provide a scanning target to the second terminal. The second terminal is configured to scan the identifier code of the value transfer certificate displayed by the first terminal if the wireless network signal strength of the second terminal is lower than the first signal threshold and the mobile communication signal strength is lower than the second signal threshold, parse the identifier code of the value transfer certificate, and obtain the first user information, the second user information and the target value carried in the value transfer certificate; if the second terminal verifies the second user information, it stores the value transfer certificate in the cache area. If the wireless network signal strength of either the first terminal or the second terminal is higher than the first signal threshold or the mobile communication signal strength is higher than the second signal threshold, the device sends a settlement request to the server carrying the value transfer certificate in the cache. The settlement request requests the server to respond to the settlement request by storing one or more value transfer certificates parsed from the settlement request in the cache, setting a validity period for the value transfer certificate, and performing a value transfer operation to transfer the target value to the second user when the same value certificate is received from another terminal within the validity period.

6. A numerical transfer device, characterized in that, The device includes: The acquisition module is used to acquire the wireless network signal strength and mobile communication signal strength at the current moment in response to the first user's touch operation on the value transfer option in the target page. If the wireless network signal strength is lower than a first signal threshold and the mobile communication signal strength is lower than a second signal threshold, the first user's identity verification information is acquired based on the local verification interface. The value transfer option is used to trigger the value transfer to the second user. The first terminal corresponds to the first user. The generation module is used to generate a value transfer certificate if the identity verification information is verified successfully. The value transfer certificate carries first user information, second user information and target value. The value transfer certificate is stored in the cache area of ​​the first terminal. The display module is used to display the identification code of the value transfer certificate in the value transfer interface. The identification code is used to provide a scanning object to the second terminal, which corresponds to the second user. The scanning and parsing module is used to scan the identification code of the value transfer certificate displayed by the first terminal if the wireless network signal strength of the second terminal is lower than the first signal threshold and the mobile communication signal strength is lower than the second signal threshold, and to parse the identification code of the value transfer certificate to obtain the first user information, the second user information and the target value carried in the value transfer certificate. The storage module is used to store the value transfer certificate in the cache area if the second user information is verified successfully; The sending module is configured to, if the wireless network signal strength of either the first terminal or the second terminal is higher than the first signal threshold or the mobile communication signal strength is higher than the second signal threshold, send a settlement request carrying the value transfer certificate to the server. The settlement request is used to request the server to respond to the settlement request by storing one or more value transfer certificates parsed from the settlement request in a cache area, setting a validity period for the value transfer certificate, and performing a value transfer operation to transfer the target value to the second user when the same value certificate is received from another terminal within the validity period.

7. A terminal, characterized in that, The terminal includes one or more processors and one or more memories, wherein at least one piece of program code is stored in the one or more memories, and the at least one piece of program code is loaded and executed by the one or more processors to perform the operations performed by the numerical transfer method as described in any one of claims 1 to 4.

8. A storage medium, characterized in that, The storage medium stores at least one piece of program code, which is loaded and executed by a processor to perform the operations of the numerical transfer method as described in any one of claims 1 to 4.

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