Resource transfer and control method, device, electronic device and storage medium

Abstract

The present application relates to the field of computer technology, and in particular to a resource transfer and its control method, device, electronic device and storage medium, for improving the security of resource transfer. The method includes: in response to a trigger operation of a first object and a target merchant to sign a resource transfer contract, displaying a contract signing guide page containing process information when signing a resource transfer contract; in response to a trigger operation of the first object on a jump control in the contract signing guide page, sending a contract signing request for the target merchant to a second application, so that the second application displays a resource transfer contract signing page according to the contract signing request; after receiving a notification message of a successful contract signing with the target merchant, displaying a notification message. The present application jumps to the second application through the first application to sign a contract, binds the resource transfer account associated with the first object in the second application to the second object, and the first object can supervise the second object when the second object needs to transfer resources, which can effectively improve the security of resource transfer.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a resource transfer and control method, device, electronic device and storage medium. Background Art

[0002] With the development of smart Internet terminal technology, mobile terminal payment has gradually become an emerging form of electronic payment service. People can now easily complete the resource transfer of commodity purchases by scanning codes using mobile terminals such as mobile phones without carrying cash. In related technologies, in application scenarios such as campus payment, students are basically required to own mobile phones, bind bank cards, and have the ability to sign payment contracts. When transferring resources, students use social software or other resource transfer software with resource transfer capabilities to transfer resources. However, due to students' weak security awareness, students are often defrauded and easily defrauded of their money. Therefore, how to improve the security of resource transfer is an urgent problem to be solved. Summary of the Invention

[0003] Embodiments of the present application provide a resource transfer and its control method, device, electronic device and storage medium to improve the security of resource transfer.

[0004] The first resource transfer control method provided in the embodiment of the present application includes:

[0005] In response to a triggering operation of the first object to sign a resource transfer contract with a target merchant, a contract signing guidance page for the target merchant is displayed, wherein the contract signing guidance page displays process information when signing a resource transfer contract with the target merchant;

[0006] In response to a triggering operation of the first object on a jump control in the signing guidance page, sending a signing request for the target merchant to the second application, so that the second application displays a resource transfer signing page for the target merchant according to the signing request, wherein the signing request includes a merchant identifier of the target merchant and an identity identifier of the first object;

[0007] After receiving a notification message of successful signing with the target merchant, the notification message is displayed, wherein the notification message is forwarded by the second application server after the second application responds to the signing confirmation operation triggered by the second object associated with the first object through the resource transfer signing page.

[0008] An embodiment of the present application provides a resource transfer method, including:

[0009] Identify target resources to be transferred;

[0010] Obtaining resource transfer characteristics corresponding to the identity identifier of the second object and geographic location information corresponding to the identity identifier of the second object;

[0011] Determining a resource transfer account associated with the corresponding first object according to the resource transfer feature;

[0012] When the geographic location information matches the contract policy, the resource transfer account associated with the first object performs a resource transfer operation on the target resource.

[0013] The second resource transfer control method provided in the embodiment of the present application includes:

[0014] After receiving a trigger instruction for the first object to sign a resource transfer contract with a target merchant, the first object returns process information of the resource transfer contract with the target merchant to the first application, so that the first application displays a contract signing guidance page for the target merchant, wherein the contract signing guidance page displays the process information;

[0015] Upon receiving a signing request for the target merchant, the signing request is sent to a second application server, which forwards the signing request to a second application, so that the second application displays a resource transfer signing page for the target merchant according to the signing request, wherein the signing request includes the merchant identifier of the target merchant and the identity identifier of the first object, and the signing request is generated and sent by the first application in response to a triggering operation of the first object on a jump control in the signing guidance page;

[0016] Receive a notification message sent by the second application server indicating that the contract with the target merchant has been successfully signed, and forward the notification message to the first application so that the first application displays the notification message, wherein the notification message is generated and sent to the second application server by the second application in response to the contract confirmation operation triggered by the first object through the resource transfer contract page.

[0017] The first resource transfer control device provided in an embodiment of the present application includes:

[0018] a first response unit, configured to, in response to a triggering operation of the first object to sign a resource transfer contract with a target merchant, display a contract signing guidance page for the target merchant, wherein the contract signing guidance page displays process information for signing a resource transfer contract with the target merchant;

[0019] a second responding unit, configured to, in response to a triggering operation of the first object on a jump control in the signing guidance page, send a signing request for the target merchant to a second application, so that the second application displays a resource transfer signing page for the target merchant according to the signing request, wherein the signing request includes a merchant identifier of the target merchant and an identity identifier of the first object;

[0020] A result display unit is used to display the notification message after receiving the notification message of successful signing of the contract with the target merchant, wherein the notification message is forwarded by the second application server after the second application responds to the contract confirmation operation triggered by the second object associated with the first object through the resource transfer contract page.

[0021] An embodiment of the present application provides a resource transfer device, comprising:

[0022] a first determining unit, configured to determine a target resource to be transferred;

[0023] an acquiring unit, configured to acquire a resource transfer feature corresponding to the identity identifier of the second object and geographic location information corresponding to the identity identifier of the second object;

[0024] a second determining unit, configured to determine a resource transfer account associated with the corresponding first object according to the resource transfer feature;

[0025] A resource transfer unit is configured to perform a resource transfer operation on the target resource using the resource transfer account associated with the first object when the geographic location information matches the subscription policy.

[0026] The second resource transfer control device provided in an embodiment of the present application includes:

[0027] a first feedback unit configured to, upon receiving a trigger instruction for the first object to sign a resource transfer contract with a target merchant, return process information of the resource transfer contract with the target merchant to the first application, so that the first application displays a contract signing guidance page for the target merchant, wherein the contract signing guidance page displays the process information;

[0028] a first forwarding unit configured to, upon receiving a signing request for the target merchant, send the signing request to a second application server, which forwards the signing request to a second application, so that the second application displays a resource transfer signing page for the target merchant according to the signing request, wherein the signing request includes a merchant identifier of the target merchant and an identity identifier of the first object, and the signing request is generated and sent by the first application in response to a triggering operation of the first object on a jump control in the signing guidance page;

[0029] The second forwarding unit is used to receive a notification message sent by the second application server indicating that the contract with the target merchant has been successfully signed, and forward the notification message to the first application so that the first application displays the notification message, wherein the notification message is generated and sent to the second application server by the second application in response to the contract confirmation operation triggered by the first object through the resource transfer contract page.

[0030] An electronic device provided by an embodiment of the present application includes a processor and a memory, wherein the memory stores program code, and when the program code is executed by the processor, the processor executes the steps of any one of the above-mentioned resource transfer and control methods.

[0031] An embodiment of the present application provides a computer program product or computer program, which includes computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium and executes the computer instructions, causing the computer device to perform the steps of any of the aforementioned resource transfer and control methods.

[0032] An embodiment of the present application provides a computer-readable storage medium, which includes program code. When the program product is run on an electronic device, the program code is used to enable the electronic device to execute the steps of any one of the above-mentioned resource transfer control methods.

[0033] The beneficial effects of this application are as follows:

[0034] The embodiment of the present application provides a resource transfer and its control method, device, electronic device and storage medium. In the embodiment of the present application, when the first object and the target merchant sign a resource transfer contract, they can jump to the second application through the contract signing guide page in the first application, sign the contract through the second application, bind the resource transfer account associated with the first object in the second application to the second object, and then when the second object and the target merchant transfer resources, they can do so through the resource transfer account of the first object in the second application. In this way, the first object can supervise the second object when it transfers resources, which can effectively improve the security of resource transfer.

[0035] Other features and advantages of the present application will be described in the following description, and in part will become apparent from the description, or will be understood by practicing the present application. The purposes and other advantages of the present application can be realized and obtained by the structures particularly pointed out in the written description, claims, and drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0036] The drawings described herein are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0037] Figure 1 This is an optional schematic diagram of an application scenario in an embodiment of the present application;

[0038] Figure 2 This is a flow chart of a first resource transfer control method according to an embodiment of the present application;

[0039] Figure 3A This is a schematic diagram of a signing guidance page in an embodiment of the present application;

[0040] Figure 3B This is a schematic diagram of a resource transfer signing page in an embodiment of the present application;

[0041] Figure 4 A schematic diagram of a hardware device access and facial information collection process in an embodiment of the present application;

[0042] Figure 5 A schematic diagram of a payment contract process in an embodiment of the present application;

[0043] Figure 6 A schematic diagram of a database storage method for file encryption in an embodiment of the present application;

[0044] Figure 7A A schematic diagram of a face recognition process in an embodiment of the present application;

[0045] Figure 7B This is a schematic diagram of a payment process after signing a contract in an embodiment of the present application;

[0046] Figure 8 A schematic diagram of a resource transfer method in an embodiment of the present application;

[0047] Figure 9 This is a flow chart of a second resource transfer control method according to an embodiment of the present application;

[0048] Figure 10 This is a flow chart of a third resource transfer control method in an embodiment of the present application;

[0049] Figure 11 This is a flowchart of a fourth resource transfer control method in an embodiment of the present application;

[0050] Figure 12 This is a schematic diagram of an optional interaction implementation timing flow in an embodiment of the present application;

[0051] Figure 13 This is a schematic diagram of the composition structure of the first resource transfer control device in an embodiment of the present application;

[0052] Figure 14 This is a schematic diagram of the structure of the second resource transfer control device in an embodiment of the present application;

[0053] Figure 15 A schematic diagram of the structure of a third resource transfer control device in an embodiment of the present application;

[0054] Figure 16 Schematic diagram of the structure of the fourth resource transfer control device in the embodiment of the present application;

[0055] Figure 17 A schematic diagram of the structure of a resource transfer device according to an embodiment of the present application;

[0056] Figure 18 A schematic diagram of the hardware structure of a first electronic device to which the embodiments of the present application are applied;

[0057] Figure 19 A schematic diagram of the hardware structure of a second electronic device to which an embodiment of the present application is applied. DETAILED DESCRIPTION

[0058] To make the purpose, technical solutions, and advantages of the embodiments of this application more clear, the technical solutions of this application will be clearly and completely described below in conjunction with the drawings in the embodiments of this application. Obviously, the described embodiments are part of the embodiments of the technical solutions of this application, but not all of them. Based on the embodiments described in this application document, all other embodiments obtained by ordinary technicians in this field without making creative efforts shall fall within the scope of protection of the technical solutions of this application.

[0059] The following is an introduction to some concepts involved in the embodiments of this application.

[0060] Application operation interface: It is the medium for interaction and information exchange between the application system and the user. It realizes the conversion between the internal form of information and the form acceptable to humans. The purpose is to enable users to operate the application conveniently and efficiently to achieve two-way interaction and complete the work they want to complete with the help of the application. In the embodiment of the present application, the application operation interface includes human-computer interaction and graphical user interface. The specific application operation interface includes a live broadcast page, an editing page, and a voting statistics result page. Among them, different application operation interfaces are used to display different content to users and realize different information interactions between users and applications.

[0061] The contract signing guide page is user-oriented and is used to show users the specific process of signing a contract with the target merchant and guide users in signing the contract. In addition, the contract signing guide page in the embodiment of the present application also includes a jump control. When the first subject clicks the jump control, the user can jump from the contract signing guide page of the first application to the resource transfer contract signing page of the second application to sign the resource transfer contract in the second application.

[0062] Resource transfer signing page: This is a user-facing page that is displayed when a user signs a contract with a target merchant in the second application. Users can use the resource transfer signing page to enter their identity information (such as reference facial image information), select a payment method, and choose a payment account. In this embodiment of the present application, by entering the identity information of the second object, the second object can be bound to the first object. When the second object needs to transfer resources, it can pay based on the resource transfer account associated with the first object in the second application to complete the transaction.

[0063] Proxy: Also known as a network proxy, it is a special network service that allows a network terminal (usually a client) to establish an indirect connection with another network terminal (usually a server) through this service. Some network devices such as gateways and routers have network proxy functions. It is generally believed that proxy services are beneficial to protecting the privacy or security of network terminals and preventing attacks. A computer system or other type of network terminal that provides proxy services is called a proxy server (ProxyServer). In an embodiment of the present application, the merchant applet and the first application can communicate through the Proxy module.

[0064] SDK (Software Development Kit): Generally, it is a collection of development tools used by software engineers to build application software for specific software packages, software frameworks, hardware platforms, operating systems, etc. Generally speaking, SDK is the SDK used to develop applications under the Windows platform. It can simply provide some API (application programming interface) files for a certain programming language, but it may also include complex hardware that can communicate with a certain embedded system. General tools include practical tools for debugging and other purposes. SDK also often includes sample code, supporting technical notes or other supporting documents that clarify doubts for basic reference materials. In the embodiment of the present application, the face recognition hardware used in offline stores is accessed through the face payment terminal SD to provide the most basic capabilities for face payment.

[0065] The following is a brief introduction to the design concept of the embodiment of this application:

[0066] Currently, the most commonly used transaction methods include offline transactions such as counter transactions, and online transactions such as online shopping. These pose financial security risks to groups that require supervision, such as the elderly and minors. For example, offline transactions involve cash payments, and the elderly are prone to losing cash. Online transactions generally involve a series of processes, including browsing web pages, registering, filling in shopping information, adding items to the shopping cart, settling accounts, selecting payment methods, filling in payment verification codes, and filling in payment passwords. These processes are too cumbersome for these groups, and some people even forget their payment passwords, making it impossible to conduct transactions. In addition, they often cannot identify online scams and are easily defrauded of their money.

[0067] For example, in a home-school-enterprise scenario, when students transfer online resources, they are basically required to have their own mobile phones, bind bank cards, and have the ability to sign payment contracts. When making payments, they use some instant messaging software or other payment software with payment functions. Since students have weak security awareness, it is easy for students to be defrauded. In addition, parents are not very confident in activating payment capabilities on their students' mobile phones. On the one hand, it is not easy to control students' consumption behavior, and on the other hand, they are not sure whether students' consumption behavior is normal.

[0068] In view of this, the embodiments of the present application propose a method, device, electronic device and storage medium for controlling resource transfer. In the embodiments of the present application, when a first object and a target merchant sign a resource transfer contract, they can jump to the second application through the contract signing guidance page in the first application, sign the contract through the second application, bind the resource transfer account associated with the first object in the second application to the second object, and then when the second object and the target merchant transfer resources, they can do so through the resource transfer account of the first object in the second application. In this way, the first object can supervise the second object when it transfers resources, which can effectively improve the security of resource transfer.

[0069] The preferred embodiments of the present application are described below in conjunction with the drawings in the specification. It should be understood that the preferred embodiments described herein are only used to illustrate and explain the present application and are not used to limit the present application. In addition, the embodiments and features in the embodiments of the present application can be combined with each other if there is no conflict.

[0070] like Figure 1 As shown, it is a schematic diagram of an application scenario of an embodiment of the present application. The application scenario diagram includes two terminal devices 110 and a server 130, and the application operation interface 120 can be logged in through the terminal device 110. The terminal device 110 and the server 130 can communicate through a communication network.

[0071] Among them, the application operation interface 120 can be a resource transfer signing page, a signing guidance page, etc. In addition, a first application and a second application can be installed in each terminal device. After the user logs in to the application operation interface 120 through the terminal device 110, the corresponding operation can be performed on the application operation interface 120, and there is communication between the terminal device 110 and the server 130. When the first application responds to the trigger operation of the first object to sign a resource transfer contract with the target merchant, the first application sends a trigger instruction for the first object to sign a resource transfer contract with the target merchant to the first application server; after receiving the trigger instruction, the first application server returns the process information of the resource transfer contract with the target merchant to the first application, and so on. No specific limitation is made here.

[0072] In an optional embodiment, the communication network is a wired network or a wireless network. The terminal device 110 and the server 130 can be directly or indirectly connected via wired or wireless communication, which is not limited in this application.

[0073] In the embodiment of the present application, the terminal device 110 is an electronic device used by the user. The electronic device can be a personal computer, mobile phone, tablet computer, notebook, e-book reader, smart home device, or other computer device with certain computing capabilities and running instant messaging software and websites or social networking software and websites. Each terminal device 110 is connected to the server 130 via a wireless network. The server 130 can be an independent physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN (Content Delivery Network), and big data and artificial intelligence platforms.

[0074] Among them, the first application and the second application involved in the embodiment of the present application can be software, or they can be clients such as web pages, mini programs, etc., and the server is an application server corresponding to the software or web pages, mini programs, etc., without limiting the specific type of the client.

[0075] In addition, the first application in the embodiments of the present application may refer to an application that does not have the ability to make external payments, such as some social software, such as instant messaging software, where users can send and receive red envelopes, receive and pay via QR codes, etc., but does not provide the ability to make external payments and cannot purchase goods (of course, the first application may also refer to an application with the ability to make external payments, which is not specifically limited here); the second application refers to an instant messaging application with payment capabilities, or payment software, etc. Therefore, when the first object signs a contract with the target merchant through the first application, it can be implemented based on the second application, and the resource transfer account associated with the first object in the second application can be bound to the second object. Later, when the second object transfers resources with the target merchant, it can be implemented through the resource transfer account of the first object in the second application.

[0076] Among them, the first object and the second object in the embodiment of the present application can be different users. For example, in the scenarios of various payment contracts on campus, combined with the characteristics of home-school enterprises, when students (second objects) pay with their faces in cafeterias, supermarkets, convenience stores and other scenarios, they can directly use the accounts of students’ parents (first objects) to deduct money, reducing the security issues of students using their own payments, and parents can also understand students’ consumption through bill records. At this time, the second object can be users who need to be supervised, such as the elderly, children, and students, but is not limited to the above users. In addition, the first object and the second object can also be the same user. For example, when a teacher pays with his face, he uses his own account in the second application. The problem of home-school enterprises can be solved through flexible control capabilities.

[0077] Among them, campus face-scanning payment is mainly used in closed campus scenarios, and the user group is the student group on campus (a fixed population). Students can make purchases by scanning their faces without having to carry cash or campus cards, which can effectively improve merchant efficiency and avoid problems such as campus card theft, loss, and reissue. In addition to the scenarios of campus face-scanning payment listed above, other payment scenarios can also be used, such as shopping in shopping malls, etc., which are not specifically limited here. The following mainly uses the on-campus face-scanning scenario as an example for illustration.

[0078] The resource transfer account in the embodiment of the present application refers to the user's payment account in the second application, which can be the electronic currency in the second application, the bank card payment account bound by the second application, etc.

[0079] See Figure 2 As shown, it is an implementation flow chart of the first resource transfer control method provided in an embodiment of the present application, which is applied to the first application. The specific implementation process of the method is as follows:

[0080] S21: In response to a triggering operation for the first object to sign a resource transfer contract with a target merchant, a contract signing guide page for the target merchant is displayed, wherein the contract signing guide page displays process information for signing a resource transfer contract with the target merchant;

[0081] S22: In response to the first object triggering an operation on a jump control in the contract signing guidance page, sending a contract signing request for the target merchant to the second application, so that the second application displays a resource transfer contract signing page for the target merchant according to the contract signing request, wherein the contract signing request includes a merchant identifier of the target merchant and an identity identifier of the first object;

[0082] Among them, after the first application responds to the trigger operation of the first object and the target merchant to sign a resource transfer contract, the first application sends a trigger instruction to the first application server; after the first application server receives the trigger instruction of the first object and the target merchant to sign a resource transfer contract, the process information of the resource transfer contract with the target merchant is returned to the first application, and then the first application displays the signing guidance page, through which the first object can view the detailed signing process.

[0083] See Figure 3A As shown, it is a schematic diagram of a signing guidance page listed in the embodiment of the present application, wherein S30 is a jump control listed in the embodiment of the present application. When the first application calls the second application to open the resource transfer page and call the signing process, this can be achieved through the jump control.

[0084] It should be noted that the first application and the second application in the embodiment of the present application also have the ability to communicate across messages. For example, a teacher can use the second application to directly contact the parents or students of the first application; for example, a teacher can use the second application to send or invite parents to sign a contract and provide instructions.

[0085] For example, parents can open the signing process guide on the signing guide page of the first application to view the detailed signing process, and then use the jump control on the signing guide page, such as Figure 3A The jump button to the signing applet shown in S30 can be used to jump to the second application to complete the payment signing process.

[0086] Among them, the button to jump to the signing mini program on the signing guidance page in the embodiment of the present application can be through the mini program jump button: <wx-open-launch-weapp>This is achieved by using the API for redirecting to a mini-program. This provides a button on the page that redirects to the specified mini-program. After using this tag, users must click the tag button on the webpage to redirect to the mini-program, completing the aforementioned process of invoking the second app to open the specified page and initiate the signing process.

[0087] That is to say, in the embodiment of the present application, jumping from the signing guidance page of the first application to the resource transfer signing page of the second application actually refers to jumping from the merchant mini program in the first application to the signing mini program (also called the collection mini program or the face entry mini program) in the second application.

[0088] The following is a detailed introduction to the merchant signing process on the first application side:

[0089] The first object initiates a contract signing request from the merchant's mini-program. At this point, the merchant must confirm that authorized billing permissions have been activated, the template has been approved, and the mini-program's APP ID is bound to the merchant's account. Templates are used for successful contract signing and notifications of different statuses, specifically the fields displayed in the message and the format of the information. After the merchant confirms the contract, the contract signing request parameters are concatenated according to the rules, and the mini-program is redirected to initiate a contract signing request to the contract mini-program.

[0090] Among them, the contract signing request parameters include the merchant identifier of the target merchant and the identity identifier of the first object, wherein the identity identifier of the first object refers to the openid when the first object logs into the merchant mini program, and the merchant identifier of the target merchant refers to the contracted merchant number id of the merchant that the first object wants to sign a contract with. In addition, the contract signing request parameters can also include whether the service provider is connected. If it is a service provider, there will be an additional service provider id. The splicing rule when splicing the contract signing request parameters is actually to append parameters to the path path opened by the mini program, such as pages / index / index? params=xxx. Among them, openid refers to the encrypted second application account, and each user's openid is unique for each mini program or official account.

[0091] When the first application responds to the triggering operation of the jump control in the signing guidance page by the first object, that is, when the first object clicks the jump button shown in S30, the first application server receives the signing request for the target merchant and sends the signing request to the second application server, and the second application server forwards the signing request to the second application; after the second application receives the signing request for the target merchant sent by the first application, it displays the resource transfer signing page for the target merchant according to the signing request.

[0092] After that, the user can sign a resource transfer agreement with the target merchant through the signing applet in the second application. However, the user must first trigger the signing operation through the resource transfer signing page and enter the resource transfer characteristics of the second object.

[0093] In the embodiment of the present application, it specifically refers to facial image information, that is, input facial information. Since in the embodiment of the present application, the purpose is to bind the resource transfer account of the first object with the second object, when collecting facial information, the facial information of the second object is collected as the reference facial image information, and the second application sends the collected reference facial image information and the identity of the first object to the resource transfer server. The resource transfer server (face payment backend) receives the reference facial image information and identity of each (second) object sent by the second application, and extracts features from each reference facial image information to obtain reference feature information of each object; the reference facial image information, reference feature information, identity of the second object and identity of the first object are associated and saved.

[0094] In addition, to facilitate deductions, users must also use the second application to set up payment accounts and payment methods. Specifically, the payment account set can be the payment account of the first object in the second application, that is, the resource transfer account associated with the first object in the embodiment of the present application, which is not limited here. The payment method can be direct payment or payment after confirmation, etc., and can also refer to the order of deductions, such as deducting from the change first, and then deducting from other payment methods when the change is insufficient, such as deducting from a bound bank card.

[0095] See Figure 3B As shown, it is a schematic diagram of a resource transfer signing page listed in the embodiment of this application. When the user chooses to open a password-free payment, it means that the payment method is direct payment. When transferring resources with merchant A later, the money can be directly deducted from the resource transfer account associated with the first object, such as the resource transfer signing page shown on the left. Figure 3B The resource transfer signing page shown on the middle right is a delegated debit signing page. After the user clicks "Pay" or "Pay and Activate Renewal," they can make payments without a password and automatically renew upon expiration.

[0096] After the user completes the contract by selecting a payment method in the second application's contract signing mini-program, the second application returns the contract signing result to the merchant. Specifically, the second application responds to the contract signing confirmation operation triggered by the second object associated with the first object through the resource transfer contract signing page. The second application displays a notification message indicating the successful contract signing with the target merchant and forwards the notification message to the first application server via the second application server. The first application server then forwards the notification message to the first application, thereby implementing step S23. The notification message contains specific contract signing information, such as the identity of the first object, the merchant ID of the target merchant, the contract signing order, the payment method, the payment account, and other information.

[0097] Among them, after the parents complete the debit signing in the resource transfer signing page of the second application, the second application will simultaneously notify the merchant backend (referring to the merchant mini program backend, which refers to the first application server in the embodiment of this application) of the signing notification message through the second application server in an asynchronous notification manner, and forward the notification information to the first application through the proxy module of the merchant backend and the first application to complete the binding of the payment signing.

[0098] S23: After receiving a notification message indicating that the contract with the target merchant has been successfully signed, the notification message is displayed, wherein the notification message is forwarded by the second application server in response to a contract confirmation operation triggered by a second object associated with the first object through a resource transfer contract page.

[0099] In addition, it should be noted that after the above-mentioned contract is completed, the resource transfer can be carried out. In the embodiment of the present application, when performing face-swiping payment, the face-swiping payment hardware device provided by the first application is used or a third-party hardware product is connected. When parents bring students to school, they perform basic face-swiping verification and contract signing at the corresponding payment location. The hardware device is used to collect students' facial information when they pay. In addition, it is also used to scan the QR code to sign the payment contract as prompted in the process. Parents can display the QR code by scanning the QR code using the first application. Figure 3A The signing guidance page is shown, and then the contract is signed by calling the signing applet of the second application.

[0100] The resource transfer terminal associated with the first application can be a face-scanning payment hardware device provided by the first application or a third-party hardware product. In the embodiment of the present application, by accessing the face-scanning recognition hardware used in offline school stores to collect students' or teachers' facial information, and by accessing the facial information collection and recognition capabilities of the second application payment, the most basic capabilities for face-scanning payment can be provided.

[0101] The following combination Figure 4 A schematic diagram of the hardware device access and facial information collection process in the embodiment of the present application specifically includes a face-scanning payment terminal, a face-scanning payment backend, a merchant APP (application), and a service provider backend.

[0102] in, Figure 4 The collection applet shown is the second application contract applet in the embodiment of the present application, and the service provider applet is the first application merchant applet in the embodiment of the present application. Through the merchant applet, you can jump to the contract applet to collect the reference facial image information of the second object associated with the first object to realize the face (payment) activation. In addition, the second application needs to upload the collected reference facial image information to the face payment backend, that is, the resource transfer server in the embodiment of the present application. After the resource transfer server performs a quality analysis on the reference facial image information through the quality score SDK and passes it, it extracts the reference feature information through the feature SDK. Furthermore, through the feature management module of the face payment backend, the reference facial image information (picture), reference feature information (features), and identity identification (ID) of each second object are associated and saved.

[0103] In addition, considering the security of face payment, the credit information related to the second object can also be stored in the face payment background, which is specifically implemented by Figure 4 The risk control, authentication control, entrusted withholding and advance payment deduction shown are partially realized.

[0104] Among them, the face-scanning payment terminal is a resource transfer terminal associated with the first application. The face-scanning payment terminal is connected to a 3D (three-dimensional) camera and is used to collect the user's facial image information through the 3D camera when the user makes a face-scanning payment. The face-scanning payment terminal obtains the facial image information collected by the external 3D camera through the camera SDK. When the face-scanning payment terminal receives a resource transfer request for a target merchant triggered by a second object, it collects the facial image information of the second object and forwards the resource transfer request carrying the facial image information of the second object to the resource transfer server; thereafter, it receives the reference feature information for the second object returned by the resource transfer server, and performs identity verification on the second object based on the facial image information and the reference feature information; after the verification is successful, it generates resource transfer credential information for the resource transfer request and sends the resource transfer credential information to the first application.

[0105] Among them, when performing identity verification, it is first necessary to perform a quality score test on the acquired facial image information through the biopsy optimization quality score SDK. After the quality score test is passed, the acquired facial image information is compared with the corresponding reference facial image information stored in the face-swiping payment background (i.e., the resource transfer server) through the feature extraction and comparison SDK. In addition, after the feature comparison is passed, the credit information of the second object needs to be reviewed, including user information, payment vouchers, security risk control and transaction information. The verification of this part of information needs to refer to the relevant content stored in the face-swiping payment background. After the verification is passed, authentication control can be performed. Finally, the face-swiping payment terminal generates resource transfer voucher information, and the first application generates a resource transfer order based on the resource transfer voucher information, and notifies the first application server. The first application server notifies the second application server to deduct the money.

[0106] In addition, the face-scanning payment terminal in the embodiment of the present application can also communicate with the merchant APP through AIDL (Android Interface Definition Language) calls to achieve cross-process rendering.

[0107] Taking a campus payment scenario as an example, in this embodiment of the present application, the resource transfer terminal associated with the first application can be a terminal device with camera and transaction settlement functions installed in a supermarket, restaurant, or other similar store on campus. When a second party wants to settle a transaction in the store, the second party only needs to stand in front of the resource transfer terminal in the store, and the resource transfer terminal will capture the second party's facial image information.

[0108] For example, when a student selects items in a supermarket and needs to check out, they don't need to carry cash or a mobile phone. Instead, they simply stand in front of the supermarket's resource transfer terminal, which captures the student's facial image and obtains the facial image of the second subject. The resource transfer terminal then adds the captured facial image of the second subject to a resource transfer request, thus including the facial image of the second subject. The resource transfer request may also include information such as the resource transfer terminal ID, the transaction store, the item being traded, the transaction amount, and the transaction time, though these are not limited here.

[0109] Furthermore, the resource transfer terminal compares the acquired facial image information of the second object with the reference facial image information on the resource transfer server side. After the identity verification of the second object is passed, the resource transfer certificate information for the order is generated. Then, the first application generates a resource transfer order based on the resource transfer certificate information obtained from the resource transfer terminal, and notifies the second application server through the first application server. The second application server deducts money based on the resource transfer order.

[0110] Specifically, after receiving the resource transfer order, the second application server determines the first object associated with the second object based on the second object's facial image information. If the payment method is direct payment, the second application server directly deducts the corresponding resources from the resource transfer account associated with the first object based on the order and transfers them to the merchant account.

[0111] If the payment method is pay after confirmation, the second application server will forward the resource transfer order to the second application logged in by the first subject. The second application will receive the resource transfer order from the second application server and display it to the first subject. The first subject can then click to confirm payment or decline payment. When the first subject confirms payment, the second application responds to the first subject's resource transfer operation for the resource transfer order by sending a resource transfer instruction to the second application server. The second application server then performs the resource transfer operation on the resource transfer account associated with the first subject and notifies the second application and the first application server of the resource transfer results. The first application server then forwards the information to the first application, which then displays it to the user.

[0112] In an embodiment of the present application, after completing the contract, students can directly use facial recognition to complete payment when paying in signed restaurants, supermarkets, convenience stores and other places, and the deduction account is the second application account authorized by the parents when signing the contract; if the person signing the contract is a teacher, that is, the first object and the second object are the same user, then the teacher can specify the use of his or her own second application account as the deduction account when signing the contract, and face recognition can also be used to pay directly in these places within the school, which is very convenient.

[0113] The following is a detailed introduction to the facial information collection, contract activation and payment processes in the embodiments of this application in conjunction with the accompanying drawings.

[0114] In this embodiment, facial recognition activation is primarily designed to allow parents to bind their second app account to their student's account and sign up for password-free debits, facilitating subsequent facial recognition and payment processes. Compared to online facial recognition payments, which require a photo comparison with a credit authority, campus facial recognition payment solutions primarily collect photos through a mini-program, and the quality of the photos is crucial.

[0115] See Figure 5 As shown, it is a schematic diagram of a payment signing process in an embodiment of the present application.

[0116] In the process of students and parents signing a payment agreement, they first need to jump from the first application to the second application's face entry applet (i.e., the signing applet), and then use the face entry applet in the second application to collect the reference facial image information of the second subject. The applet confirms and verifies the student information. After the collection is correct, the face photo (color image) is uploaded to the resource transfer server through the applet. The backend performs a color image quality score test. After the test is correct, you can confirm the deduction method and enable password-free payment (or pay after confirmation).

[0117] After the contract is successfully signed, when students or teachers make facial payment, this application adopts offline recognition method, which mainly places the comparison of the on-site photo (facial image information collected when requesting payment) and the background photo (reference facial image information) in the terminal, rather than the background.

[0118] The database for face comparison consists of the background features of all users of the organization. The background feature information is stored in the terminal database. The security of the database storage is a point that needs special consideration. This application adopts a file encryption database storage method.

[0119] See Figure 6 As shown in FIG, it is a schematic diagram of a file encryption database storage method in an embodiment of the present application, including two parts: internal encryption and file encryption.

[0120] First, the collected data, specifically facial image information, needs to be encrypted internally before being written into the database. After encrypting the collected data, a file is generated, and then the file is encrypted again, that is, the entire database and the entire file are encrypted, which can effectively improve the information security of the database.

[0121] See Figure 6 As shown, when the collected data content is internally encrypted, the encryption level is within SQLite (a lightweight database), and the encryption scope is partial fields. This part is not completely encrypted, and the database table structure and other information can still be viewed. The encryption algorithm is XOR encryption. The encryption in this step is just simple encryption, which has low security. It does not support size comparison and fuzzy matching, and the performance loss is 10%. Relatively speaking, the packet size increment is small, which is 10K. Further, the file is encrypted. At this time, the encryption level is outside SQLite, and the encryption scope is all fields. The encryption algorithm is AES (Advanced Encryption Standard). The encryption security of this step is high, and it supports size comparison and fuzzy matching. The performance loss is 5% to 10%. Relatively speaking, the packet size increment is small, which is 600K.

[0122] Among them, AES is the most common symmetric encryption algorithm. The same key is used for encryption and decryption. Mini-programs use this encryption algorithm for encrypted transmission.

[0123] In the embodiment of this application, the two most important indicators of face recognition are the pass rate and the false recognition rate. The higher the pass rate and the lower the false recognition rate, the better the user experience. Figure 7A As shown, it is a schematic diagram of a face recognition process in an embodiment of the present application, which specifically includes the following steps: start recognition -> load features -> terminal optimization -> terminal liveness detection -> terminal quality score detection interception -> terminal feature extraction -> terminal feature comparison.

[0124] Terminal optimization primarily refers to determining whether camera capture quality meets standards, while terminal liveness detection refers to determining whether facial coverage features, etc., are sufficient when capturing facial image information. Terminal quality score detection and interception then analyze the quality of the captured facial image information. If the quality score meets the requirements, facial recognition passes, and the next step is executed. If the quality score does not meet the requirements, the captured facial image information does not meet the requirements and needs to be re-captured.

[0125] After the face recognition is passed, the terminal needs to extract features and compare them. If the comparison is successful, the last four digits of the terminal are verified, where the last four digits of the terminal refer to the terminal identification. The verification of this step is to ensure the rationality of the face payment terminal. After the terminal recognition is successful, the payment process can be carried out. For details, see Figure 7B If the comparison fails, the process returns to the terminal's preferred step.

[0126] See Figure 7B As shown in FIG, it is a schematic diagram of a payment process after a successful contract signing in an embodiment of the present application, which specifically includes the following processes:

[0127] After the resource transfer terminal successfully identifies the resource, it generates a payment voucher (i.e., resource transfer voucher information) and returns the payment voucher to the merchant. The merchant (first application) generates an order based on the voucher, and the backend deducts the money in real time or in a delayed manner, and the payment is successful.

[0128] In the embodiments of this application, the payment process primarily utilizes asynchronous debiting, with payment vouchers generated by the terminal. This is primarily intended to restore the identification scene at the time, requiring as much on-site information as possible. This primarily involves generating a corresponding payment voucher in a weak network environment with poor network quality and latency, and then resuming asynchronous debits after the network is restored.

[0129] In summary, in the embodiments of the present application, when using the home-school enterprise function in the first application, it can provide students with face-swiping payment authentication through payment scenarios in regular consumption places on campus, and at the same time bind the parents' payment accounts. Parents can control the payment amount, which can achieve effective management and control, and let students develop good consumption habits. It also supports different forms of face-swiping payment for teachers and students. Teachers trigger the use of their own personal accounts and distinguish and process them through face recognition and school identity recognition. It mainly solves various payment contract scenarios on campus. Combined with the characteristics of home-school enterprises, when students pay by face in cafeterias, supermarkets, convenience stores and other scenarios, they can directly use the student's parent's account to deduct money, reducing the security issues of students using payment by themselves. Parents can also understand students' consumption through bill records, and teachers use their own second application's resource transfer account for face-swiping payment. Flexible control capabilities can solve the problems of home-school enterprises. Similarly, similar effects can be achieved for other application scenarios.

[0130] The following combination Figure 8 Let's introduce the payment process from the perspective of the first application, in the payment process, the payment is made by the parent account. Refer to Figure 8, which is a flow chart of a resource transfer method in an embodiment of the present application. The specific implementation process of this method is as follows:

[0131] S81: Determine the target resource to be transferred;

[0132] In this embodiment of the present application, the target resource to be transferred refers to the items sold by the target merchant, and in this step, refers to the target item to be paid. For example, if the target merchant is a merchant related to a school supermarket, the target resource can refer to the goods purchased by students in the school supermarket. Alternatively, the target merchant can also be a merchant related to a school cafeteria, and the target resource can refer to the food sold in the cafeteria.

[0133] S82: Obtain resource transfer characteristics corresponding to the identity identifier of the second object and geographic location information corresponding to the identity identifier of the second object;

[0134] Among them, resource transfer features include biometric features, such as face, fingerprint, etc., and also include QR codes, etc. In the embodiments of this application, face payment is mainly used as an example. The biometric feature mainly refers to the face image, of course, it can also be a face video, etc., which is not specifically limited here. In addition, the geographic location information refers to the current location of the second object when the second object initiates a resource transfer request for the target resource. For example, when a student is in a school cafeteria, it specifically refers to the geographic location information of the cafeteria. More specifically, it can also include the cafeteria window information where the student is currently located.

[0135] S83: Determine a resource transfer account associated with the corresponding first object according to the resource transfer feature;

[0136] In an embodiment of the present application, when the resource transfer feature of the second object is obtained, the resource transfer account associated with the previously bound first object, such as the payment account of the student's parents, can be matched based on the feature.

[0137] S84: When the geographic location information matches the contract policy, the resource transfer account associated with the first object performs a resource transfer operation on the target resource.

[0138] The contract policy can specify that payment will only be processed through the student's payment account if the second person makes a purchase within certain geographic coordinates or at a specific machine. The location of a specific machine is fixed, reflecting its location information. Therefore, when the geographic location information matches the contract policy, the student's payment security can be further ensured, and payment can be processed through the student's parent's payment account.

[0139] Optionally, the target resource is a tradable resource associated with the target merchant; before determining the target resource to be transferred, the method further includes:

[0140] Upon receiving a trigger instruction for the first subject to sign a resource transfer contract with a target merchant, a contract signing request is generated based on the target merchant's merchant identifier and the first subject's identity identifier, and the contract signing request for the target merchant is sent to the second application. Upon receiving a notification message indicating a successful contract signing with the target merchant, the second application obtains the resource transfer characteristics of the second subject and the corresponding resource transfer account associated with the first subject in the notification message, and stores the resource transfer characteristics and the resource transfer account in an associated manner. Furthermore, the notification message may be further displayed to the user.

[0141] The above implementation describes the process of a first object signing a contract with a target merchant. In this embodiment, the first object supports payment on behalf of the target merchant by signing a contract with the target merchant, binding the resource transfer feature of the second object to the payment account associated with the first object. The specific implementation method can be found in the above embodiment, and any repetitions will not be repeated here.

[0142] Optionally, performing a resource transfer operation on the target resource by the resource transfer account identified by the first object specifically includes:

[0143] After obtaining the resource transfer voucher information for the target resource, a resource transfer order is generated according to the resource transfer voucher information;

[0144] The resource transfer order is notified to the second application server, and the second application server transfers resources to the resource transfer account associated with the first object according to the resource transfer order.

[0145] The resource transfer credential information is generated by the resource transfer terminal associated with the first application. The specific implementation of this process can be found in the above embodiment, and the repeated parts will not be repeated.

[0146] In addition, considering the payment confirmation and even security policies involved in the payment process, the second application side can also actively send monitoring, specifically:

[0147] Before the resource transfer account associated with the first object performs a resource transfer operation on the target resource, the second application may also send a monitoring instruction to the first application. After the first application receives the monitoring instruction sent by the second application, it obtains a monitoring message for the second object and returns the monitoring message to the second application. The monitoring message includes at least one of resource transfer status information and resource transfer environment information. When the geographic location information matches the contract policy and the monitoring message meets the pre-set security policy, the resource transfer account associated with the first object can perform a resource transfer operation on the target resource.

[0148] The first application can obtain monitoring information based on the associated resource transfer terminal, including one or more of resource transfer status information and resource transfer environment information. Specifically, resource transfer status information can refer to the current status of the second object, such as a student's facial video or image, which can reflect the current status. Furthermore, resource transfer environment information refers to the second object's current environment, such as the audio information in the current environment. This allows the first object to view the child's facial video or image in real time through the second application, or monitor the child's audio in real time, further ensuring the security and reliability of the second object's payment.

[0149] For example, when the second application receives a resource transfer order from the second application server, it displays the resource transfer order to the first party. At this point, the second application can send a monitoring command to the first application, monitoring the second party's facial video or image, as well as voice information in the payment environment, in real time. After ensuring safety, the user clicks to confirm payment. At this point, the second application responds to the first party's resource transfer operation in response to the resource transfer order by sending a resource transfer command to the second application server. Furthermore, upon receiving the resource transfer command from the second application, the second application server performs a payment operation based on the order to the payment account associated with the first party.

[0150] See Figure 9 As shown, it is an implementation flow chart of the second resource transfer control method provided in the embodiment of the present application, which is applied to the second application. The specific implementation process of this method is as follows:

[0151] S91: After receiving a contract signing request for a target merchant sent by the first application, a resource transfer contract signing page for the target merchant is displayed according to the contract signing request, wherein the contract signing request includes the merchant identifier of the target merchant and the identity identifier of the first object. The contract signing request is sent by the first application in response to a triggering operation of the first object on a jump control in a contract signing guidance page. The contract signing guidance page is displayed by the first application in response to a triggering operation of the first object to sign a resource transfer contract with the target merchant. The contract signing guidance page displays process information for signing a resource transfer contract with the target merchant.

[0152] S92: In response to the contract confirmation operation triggered by the second object associated with the first object through the resource transfer contract page, a notification message of successful contract signing with the target merchant is displayed, and the notification message is forwarded to the first application through the second application server, so that the first application displays the notification message after receiving the notification message.

[0153] Optionally, before responding to the signing confirmation operation triggered by the second object associated with the first object through the resource transfer signing page, the method further includes:

[0154] In response to a signing operation triggered through the resource transfer signing page, collecting reference facial image information of the second subject, and sending the reference facial image information and the identity identifier of the first subject to the resource transfer server, so that the resource transfer server extracts features from the reference facial image information to obtain reference feature information, and then associates and stores the reference facial image information, the reference feature information, and the identity identifier; and

[0155] An account identifier of a resource transfer account associated with the first object is obtained, and the account identifier and the identity identifier are sent to the second application server, so that the second application server associates and stores the account identifier and the identity identifier.

[0156] Optionally, the method further includes:

[0157] receiving a resource transfer order sent by the second application server and displaying the resource transfer order, wherein the resource transfer order is generated by the first application based on the resource transfer credential information sent by the associated resource transfer terminal after the first application receives the resource transfer credential information, and the resource transfer credential information is generated and sent by the resource transfer terminal after receiving a resource transfer request for a target merchant triggered by the second object and successfully verifying the identity of the second object;

[0158] In response to a resource transfer operation of the first object for the resource transfer order, sending a resource transfer instruction to the second application server, so that the second application server performs resource transfer on the resource transfer account associated with the first object;

[0159] After receiving the resource transfer result returned by the second application server, the resource transfer result is displayed.

[0160] It should be noted that the specific examples of the various implementation methods applied to the second application listed above can be found above, and the repeated parts will not be repeated here.

[0161] See Figure 10 As shown, it is an implementation flow chart of the second resource transfer control method provided in an embodiment of the present application, which is applied to the first application server. The specific implementation process of this method is as follows:

[0162] S101: After receiving a trigger instruction for the first object to sign a resource transfer contract with a target merchant, the first object returns process information of the resource transfer contract with the target merchant to the first application, so that the first application displays a contract signing guidance page for the target merchant, where the contract signing guidance page displays the process information;

[0163] S102: Upon receiving a contract signing request for the target merchant, the contract signing request is sent to the second application server, which forwards the contract signing request to the second application, so that the second application displays a resource transfer contract signing page for the target merchant according to the contract signing request. The contract signing request includes the merchant identifier of the target merchant and the identity identifier of the first object. The contract signing request is generated and sent by the first application in response to the first object triggering an operation on a jump control in the contract signing guidance page.

[0164] S103: Receive a notification message from the second application server indicating that the contract with the target merchant has been successfully signed, and forward the notification message to the first application so that the first application displays the notification message, wherein the notification message is generated and sent to the second application server by the second application in response to the contract confirmation operation triggered by the first object through the resource transfer contract page.

[0165] Optionally, the method further includes:

[0166] Receive a resource transfer order sent by the first application, and forward the resource transfer order to the second application server, so that the second application server performs a resource transfer operation on the resource transfer account associated with the first object according to the resource transfer order, wherein the resource transfer order is generated by the first application according to the resource transfer credential information after receiving the resource transfer credential information sent by the associated resource transfer terminal, and the resource transfer credential information is generated and sent by the resource transfer terminal after receiving a resource transfer request for a target merchant triggered by the second object and successfully verifying the identity of the second object.

[0167] Optionally, the method further includes:

[0168] After receiving the resource transfer result sent by the second application server, the resource transfer result is sent to the first application so that the first application displays the resource transfer result, wherein the resource transfer result is generated and sent after the second application server transfers the resource to the resource transfer account associated with the first object according to the resource transfer order.

[0169] It should be noted that the specific examples of the various implementation methods applied to the first application server side listed above can be found above, and the repeated parts will not be repeated here.

[0170] See Figure 11 , which is an implementation flow chart of the second resource transfer control method provided in an embodiment of the present application, is applied to the second application server. The specific implementation process of the method is as follows:

[0171] S111: After receiving a signing request for a target merchant sent by the first application server, forward the signing request to the second application, so that the second application displays a resource transfer signing page for the target merchant according to the signing request, wherein the signing request is triggered by the first application in response to a trigger operation of the first object on a jump control in the signing guidance page, and the signing request includes a merchant identifier of the target merchant and an identity identifier of the first object;

[0172] S112: After receiving the contract confirmation instruction triggered by the resource transfer contract page sent by the second application, a contract success notification message is sent to the first application server after the contract is successfully signed. The first application server forwards the notification message to the first application so that the first application displays the notification message.

[0173] Optionally, the method further includes:

[0174] Receive the account identifier of the resource transfer account associated with the first object and the identity identifier of the first object sent by the second application, and save the account identifier and identity identifier in association, where the account identifier and identity identifier are sent by the second application in response to the signing operation triggered by the resource transfer signing page.

[0175] Optionally, the method further includes:

[0176] After receiving the resource transfer order sent by the first application server, forwarding the resource transfer order to the second application, wherein the resource transfer order is generated and sent by the first application to the first application server based on the resource transfer credential information sent by the resource transfer terminal associated with the first application, and the resource transfer credential information is generated and sent by the resource transfer terminal after receiving the resource transfer request for the target merchant triggered by the second object and successfully verifying the identity of the second object;

[0177] After receiving the resource transfer instruction for the resource transfer order from the first object, perform a resource transfer operation on the resource transfer account associated with the first object, and send the resource transfer result to the second application and the first application server, which forwards it to the first application so that the first application and the second application display the resource transfer result.

[0178] It should be noted that the specific examples of the various implementation methods applied to the second application server side listed above can be found above, and the repeated parts will not be repeated here.

[0179] See Figure 12 The following is an interactive sequence diagram of a resource transfer control method. The specific implementation process of this method is as follows:

[0180] Step S1200: In response to a trigger operation for the first object to sign a resource transfer contract with the target merchant, the first application sends a trigger instruction for the first object to sign a resource transfer contract with the target merchant to the first application server;

[0181] Step S1201: After receiving the trigger instruction, the first application server returns the process information of the resource transfer contract with the target merchant to the first application;

[0182] Step S1202: The first application displays a contract signing guide page for the target merchant, where the contract signing guide page displays process information for signing a resource transfer contract with the target merchant;

[0183] Step S1203: The first application sends a contract request for the target merchant to the second application in response to the triggering operation of the first object on the jump control in the contract guidance page;

[0184] Step S1204: the second application displays a resource transfer signing page for the target merchant according to the signing request;

[0185] Step S1205: In response to the signing operation triggered by the resource transfer signing page, the second application collects reference facial image information of the second subject, and sends the reference facial image information and the identity identifier of the first subject to the resource transfer server;

[0186] Step S1206: The second application obtains the account identifier of the resource transfer account associated with the first object, and sends the account identifier and the identity identifier to the second application server;

[0187] Step S1207: The second application server receives the account identifier of the resource transfer account associated with the first object and the identity identifier of the first object sent by the second application, and associates and stores the account identifier and the identity identifier;

[0188] Step S1208: In response to the contract confirmation operation triggered by the second object associated with the first object through the resource transfer contract page, the second application sends a contract confirmation instruction triggered by the resource transfer contract page to the second application server;

[0189] Step S1209: After receiving the contract signing confirmation instruction, the second application server sends a contract signing success notification message to the first application server after the contract signing is successful;

[0190] Step S1210: The first application server forwards the notification message to the first application;

[0191] Step S1211: The first application displays a notification message;

[0192] Step S1212: After receiving the resource transfer credential information sent by the associated resource transfer terminal, the first application generates a resource transfer order according to the resource transfer credential information;

[0193] Step S1213: The first application sends the resource transfer order to the first application server;

[0194] Step S1214: the first application server forwards the resource transfer order to the second application server;

[0195] Step S1215: the second application server performs a resource transfer operation on the resource transfer account associated with the first object according to the resource transfer order, and sends the resource transfer result to the second application;

[0196] Step S1216: The second application displays the resource transfer result.

[0197] It should be noted that the steps S1212 to S1216 in the above embodiment are for password-free payment. When the payment is not password-free, the following steps are further included between steps S1214 and S1215:

[0198] Step 1: After receiving the resource transfer order sent by the first application server, the second application server forwards the resource transfer order to the second application;

[0199] Step 2: The second application receives the resource transfer order sent by the second application server and displays the resource transfer order;

[0200] Step 3: The second application sends a resource transfer instruction to the second application server in response to the resource transfer operation of the first object for the resource transfer order;

[0201] Step 4: The second application server receives the resource transfer instruction sent by the second application.

[0202] It should be noted that in the above embodiment, instead of direct deduction, the second application server sends the relevant information of the resource transfer order to the second application, which displays it to the first object. After confirmation by the first object, the second application server can perform the corresponding resource transfer, deduct money from the resource transfer account associated with the first object, and transfer it to the merchant account of the target merchant.

[0203] Based on the same inventive concept, the embodiment of the present application also provides a control device for resource transfer. Figure 13 As shown, it is a structural diagram of a first resource transfer control device 1300 in an embodiment of the present application, which is applied to a first application and may include:

[0204] The first responding unit 1301 is configured to, in response to a triggering operation of the first object to sign a resource transfer contract with a target merchant, display a contract signing guide page for the target merchant, wherein the contract signing guide page displays process information for signing a resource transfer contract with the target merchant;

[0205] The second responding unit 1302 is configured to, in response to the first object triggering the jump control in the signing guidance page, send a signing request for the target merchant to the second application, so that the second application displays a resource transfer signing page for the target merchant according to the signing request, wherein the signing request includes a merchant identifier of the target merchant and an identity identifier of the first object;

[0206] The result display unit 1303 is used to display the notification message after receiving the notification message of successful signing with the target merchant, wherein the notification message is forwarded by the second application server after the second application responds to the signing confirmation operation triggered by the second object associated with the first object through the resource transfer signing page.

[0207] Optionally, after displaying the notification message, the result display unit 1303 is further configured to:

[0208] After receiving the resource transfer credential information sent by the associated resource transfer terminal, generating a resource transfer order according to the resource transfer credential information, wherein the resource transfer credential information is generated and sent by the resource transfer terminal after receiving a resource transfer request for the target merchant triggered by the second object and successfully verifying the identity of the second object;

[0209] The resource transfer order is sent to the first application server, so that the first application server forwards the resource transfer order to the second application server, and the second application server transfers resources to the resource transfer account associated with the first object according to the resource transfer order.

[0210] Optionally, the result display unit 1303 is further configured to:

[0211] After receiving the resource transfer result sent by the first application server, the resource transfer result is displayed, wherein the resource transfer result is generated and sent to the first application server after the second application server transfers resources to the resource transfer account associated with the first object according to the resource transfer order.

[0212] Based on the same inventive concept, the embodiment of the present application also provides a control device for resource transfer. Figure 14 As shown, it is a structural diagram of the second resource transfer control device 1400 in an embodiment of the present application, which is applied to the second application and may include:

[0213] Page display unit 1401 is configured to, upon receiving a contract signing request for a target merchant sent by the first application, display a resource transfer contract signing page for the target merchant in accordance with the contract signing request, wherein the contract signing request includes the merchant identifier of the target merchant and the identity identifier of the first object. The contract signing request is sent by the first application in response to a triggering operation of the first object on a jump control in a contract signing guidance page. The contract signing guidance page is displayed by the first application in response to a triggering operation of the first object to sign a resource transfer contract with the target merchant. The contract signing guidance page displays process information for signing a resource transfer contract with the target merchant.

[0214] The message notification unit 1402 is used to display a notification message of successful signing with the target merchant in response to a signing confirmation operation triggered by the second object associated with the first object through the resource transfer signing page, and forward the notification message to the first application through the second application server, so that the first application displays the notification message after receiving the notification message.

[0215] Optionally, before responding to the signing confirmation operation triggered by the second object associated with the first object through the resource transfer signing page, the message notification unit 1402 is further configured to:

[0216] In response to a signing operation triggered through the resource transfer signing page, collecting reference facial image information of the second subject, and sending the reference facial image information and the identity identifier of the first subject to the resource transfer server, so that the resource transfer server extracts features from the reference facial image information to obtain reference feature information, and then associates and stores the reference facial image information, the reference feature information, and the identity identifier; and

[0217] An account identifier of a resource transfer account associated with the first object is obtained, and the account identifier and the identity identifier are sent to the second application server, so that the second application server associates and stores the account identifier and the identity identifier.

[0218] Optionally, the device further comprises:

[0219] Resource transfer unit 1403 is configured to receive a resource transfer order sent by the second application server and display the resource transfer order. The resource transfer order is generated by the first application based on resource transfer credential information sent by the associated resource transfer terminal after the first application receives the resource transfer credential information. The resource transfer credential information is generated and sent by the resource transfer terminal after receiving a resource transfer request for a target merchant triggered by the second object and successfully verifying the identity of the second object.

[0220] In response to a resource transfer operation of the first object for the resource transfer order, sending a resource transfer instruction to the second application server, so that the second application server performs resource transfer on the resource transfer account associated with the first object;

[0221] After receiving the resource transfer result returned by the second application server, the resource transfer result is displayed.

[0222] Based on the same inventive concept, the embodiment of the present application also provides a control device for resource transfer. Figure 15 As shown, it is a structural diagram of a third resource transfer control device 1500 in an embodiment of the present application, which is applied to a first application server and may include:

[0223] The first feedback unit 1501 is configured to, upon receiving a trigger instruction for the first object to sign a resource transfer contract with a target merchant, return process information of the resource transfer contract with the target merchant to the first application, so that the first application displays a contract signing guidance page for the target merchant, where the contract signing guidance page displays the process information;

[0224] The first forwarding unit 1502 is configured to, upon receiving a contract signing request for a target merchant, send the contract signing request to the second application server, which forwards the contract signing request to the second application, so that the second application displays a resource transfer contract signing page for the target merchant according to the contract signing request. The contract signing request includes the merchant identifier of the target merchant and the identity identifier of the first object. The contract signing request is generated and sent by the first application in response to a trigger operation of the first object on a jump control in the contract signing guidance page.

[0225] The second forwarding unit 1503 is used to receive a notification message sent by the second application server indicating that a contract has been successfully signed with the target merchant, and forward the notification message to the first application so that the first application displays the notification message, wherein the notification message is generated and sent to the second application server by the second application in response to a contract confirmation operation triggered by the first object through the resource transfer contract page.

[0226] Optionally, the device further comprises:

[0227] The third forwarding unit 1504 is used to receive the resource transfer order sent by the first application and forward the resource transfer order to the second application server, so that the second application server performs a resource transfer operation on the resource transfer account associated with the first object according to the resource transfer order, wherein the resource transfer order is generated by the first application according to the resource transfer credential information after receiving the resource transfer credential information sent by the associated resource transfer terminal, and the resource transfer credential information is generated and sent by the resource transfer terminal after receiving the resource transfer request for the target merchant triggered by the second object and successfully verifying the identity of the second object.

[0228] Optionally, the device further comprises:

[0229] The second feedback unit 1505 is used to send the resource transfer result to the first application after receiving the resource transfer result sent by the second application server, so that the first application displays the resource transfer result, wherein the resource transfer result is generated and sent after the second application server transfers resources to the resource transfer account associated with the first object according to the resource transfer order.

[0230] Based on the same inventive concept, the embodiment of the present application also provides a control device for resource transfer. Figure 16 As shown, it is a structural diagram of a fourth resource transfer control device 1600 in an embodiment of the present application, which is applied to a second application server and may include:

[0231] A first forwarding unit 1601 is configured to, upon receiving a signing request for a target merchant sent by the first application server, forward the signing request to the second application, so that the second application displays a resource transfer signing page for the target merchant according to the signing request, wherein the signing request is triggered by the first application in response to a trigger operation of the first object on a jump control in the signing guidance page, and includes a merchant identifier of the target merchant and an identity identifier of the first object;

[0232] The message notification unit 1602 is used to receive the signing confirmation instruction triggered by the resource transfer signing page sent by the second application, and send a notification message of successful signing to the first application server after the signing is successful. The first application server forwards the notification message to the first application so that the first application displays the notification message.

[0233] Optionally, the device further comprises:

[0234] Storage unit 1603 is used to receive the account identifier of the resource transfer account associated with the first object and the identity identifier of the first object sent by the second application, and to associate and save the account identifier and the identity identifier, wherein the account identifier and the identity identifier are sent by the second application in response to the signing operation triggered by the resource transfer signing page.

[0235] Optionally, the device further comprises:

[0236] The second forwarding unit 1604 is configured to forward the resource transfer order to the second application after receiving the resource transfer order sent by the first application server, wherein the resource transfer order is generated and sent by the first application to the first application server based on resource transfer credential information sent by a resource transfer terminal associated with the first application, and the resource transfer credential information is generated and sent by the resource transfer terminal after receiving a resource transfer request for a target merchant triggered by the second object and successfully verifying the identity of the second object;

[0237] After receiving the resource transfer instruction for the resource transfer order from the first object, perform a resource transfer operation on the resource transfer account associated with the first object, and send the resource transfer result to the second application and the first application server, which forwards it to the first application so that the first application and the second application display the resource transfer result.

[0238] Based on the same inventive concept, the embodiment of the present application also provides a control device for resource transfer. Figure 17 As shown, it is a structural diagram of a resource transfer device 1700 in an embodiment of the present application, which is applied to the first application and may include:

[0239] A first determining unit 1701 is configured to determine a target resource to be transferred;

[0240] An acquiring unit 1702 is configured to acquire a resource transfer feature corresponding to the identity identifier of the second object and geographic location information corresponding to the identity identifier of the second object;

[0241] The second determining unit 1703 is configured to determine a resource transfer account associated with the corresponding first object according to the resource transfer feature;

[0242] The resource transfer unit 1704 is configured to perform a resource transfer operation on the target resource using the resource transfer account associated with the first object when the geographic location information matches the subscription policy.

[0243] Optionally, the target resource is a tradable resource associated with the target merchant; the device further includes:

[0244] The signing unit 1705 is configured to, upon receiving a trigger instruction for the first object to sign a resource transfer contract with the target merchant, generate a signing request based on the merchant identifier of the target merchant and the identity identifier of the first object, and send the signing request for the target merchant to the second application before determining the target resource to be transferred;

[0245] After receiving the notification message of successful contract signing with the target merchant, the resource transfer feature of the second object in the notification message and the resource transfer account associated with the corresponding first object are obtained, and the resource transfer feature and the resource transfer account are associated and saved.

[0246] Optionally, the resource transfer unit 1704 is specifically configured to:

[0247] After obtaining the resource transfer voucher information for the target resource, a resource transfer order is generated according to the resource transfer voucher information;

[0248] The resource transfer order is notified to the second application server, and the second application server transfers resources to the resource transfer account associated with the first object according to the resource transfer order.

[0249] Optionally, the resource transfer unit 1704 is further configured to:

[0250] Before the resource transfer account associated with the first object performs a resource transfer operation on the target resource, upon receiving a monitoring instruction sent by the second application, obtaining a monitoring message for the second object and returning the monitoring message to the second application, the monitoring message including at least one of resource transfer status information and resource transfer environment information;

[0251] The resource transfer unit 1704 is specifically configured to:

[0252] When the geographic location information matches the contract policy and the monitored message satisfies the preset security policy, the resource transfer account associated with the first object performs a resource transfer operation on the target resource.

[0253] For the convenience of description, the above parts are divided into modules (or units) according to their functions and described separately. Of course, when implementing this application, the functions of each module (or unit) can be implemented in the same or multiple software or hardware.

[0254] After introducing the resource transfer control method and apparatus according to an exemplary embodiment of the present application, an electronic device according to another exemplary embodiment of the present application is introduced next.

[0255] Those skilled in the art will appreciate that various aspects of the present application can be implemented as systems, methods, or program products. Therefore, various aspects of the present application can be specifically implemented in the following forms: a complete hardware implementation, a complete software implementation (including firmware, microcode, etc.), or an implementation that combines hardware and software aspects, which may be collectively referred to herein as a "circuit," "module," or "system."

[0256] Based on the same inventive concept as the above method embodiment, an electronic device is also provided in the embodiment of the present application. The electronic device can be used for transfer control of resource objects. In one embodiment, the electronic device can be a server, such as Figure 1 In this embodiment, the structure of the electronic device can be as follows: Figure 18 As shown, it includes a memory 1801 , a communication module 1803 and one or more processors 1802 .

[0257] Memory 1801 is used to store computer programs executed by processor 1802. Memory 1801 may primarily include a program storage area and a data storage area. The program storage area may store an operating system and programs required for running instant messaging functions, while the data storage area may store various instant messaging messages and operating instruction sets.

[0258] Memory 1801 may be a volatile memory, such as random-access memory (RAM); a non-volatile memory, such as read-only memory, flash memory, a hard disk drive (HDD), or a solid-state drive (SSD); or any other medium capable of carrying or storing desired program code in the form of instructions or data structures and accessible by a computer, but is not limited thereto. Memory 1801 may be a combination of the aforementioned memories.

[0259] The processor 1802 may include one or more central processing units (CPUs) or digital processing units, etc. The processor 1802 is configured to implement the above-mentioned resource transfer control method when calling the computer program stored in the memory 1801 .

[0260] The communication module 1803 is used to communicate with terminal devices and other servers.

[0261] The specific connection medium between the memory 1801, the communication module 1803 and the processor 1802 is not limited in the embodiment of the present application. Figure 18 In the embodiment, the memory 1801 and the processor 1802 are connected via a bus 1804. Figure 18 The connections between the other components are shown in bold lines, which are only for illustration and are not intended to be limiting. The bus 1804 can be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, Figure 18 Only one thick line is used in the diagram, but this does not mean that there is only one bus or one type of bus.

[0262] The memory 1801 stores a computer storage medium, which stores computer executable instructions. The computer executable instructions are used to implement the resource transfer control method of the embodiment of the present application. The processor 1802 is used to execute the resource transfer control method on the server side, such as Figure 10 or Figure 11 shown.

[0263] In another embodiment, the electronic device may also be other electronic devices, such as Figure 1 The terminal device 110 shown in FIG. In this embodiment, the structure of the electronic device can be as follows: Figure 19 As shown, it includes: a communication component 1910, a memory 1920, a display unit 1930, a camera 1940, a sensor 1950, an audio circuit 1960, a Bluetooth module 1970, a processor 1980 and other components.

[0264] The communication component 1910 is used to communicate with the server. In some embodiments, it can include a WiFi (Wireless Fidelity) module. The WiFi module is a short-range wireless transmission technology. Electronic devices can help users send and receive information through the WiFi module.

[0265] The memory 1920 can be used to store software programs and data. The processor 1980 executes various functions and data processing of the terminal device 110 by running the software programs or data stored in the memory 1920. The memory 1920 may include high-speed random access memory and may also include non-volatile memory, such as at least one disk storage device, flash memory device, or other volatile solid-state storage device. The memory 1920 stores an operating system that enables the terminal device 110 to run. In the present application, the memory 1920 can store the operating system and various application programs, and may also store code for executing the resource transfer control method of the embodiment of the present application.

[0266] The display unit 1930 can also be used to display information input by the user or information provided to the user, as well as a graphical user interface (GUI) of various menus of the terminal device 110. Specifically, the display unit 1930 may include a display screen 1932 provided on the front of the terminal device 110. The display screen 1932 may be configured in the form of a liquid crystal display, a light-emitting diode, etc. The display unit 1930 can be used to display the application operation interface 120 in the embodiments of the present application.

[0267] The display unit 1930 can also be used to receive input digital or character information and generate signal input related to user settings and function control of the terminal device 110. Specifically, the display unit 1930 may include a touch screen 1931 set on the front of the terminal device 110, which can collect user touch operations on or near it, such as clicking a button, dragging a scroll box, etc.

[0268] The touch screen 1931 can be covered on the display screen 1932, or the touch screen 1931 and the display screen 1932 can be integrated to realize the input and output functions of the terminal device 110. The integrated touch screen can be simply referred to as a touch display screen. In this application, the display unit 1930 can display applications and corresponding operation steps.

[0269] The camera 1940 can be used to capture static images, and the user can send the images captured by the camera 1940 to the resource transfer server through the second application. The camera 1940 can be one or more. The object generates an optical image through the lens and projects it onto the photosensitive element. The photosensitive element can be a charge coupled device (CCD) or a complementary metal-oxide-semiconductor (CMOS) phototransistor. The photosensitive element converts the light signal into an electrical signal, and then transmits the electrical signal to the processor 1980 to convert it into a digital image signal.

[0270] The terminal device may further include at least one sensor 1950, such as an acceleration sensor 1951, a distance sensor 1952, a fingerprint sensor 1953, and a temperature sensor 1954. The terminal device may also be configured with other sensors such as a gyroscope, a barometer, a hygrometer, a thermometer, an infrared sensor, a light sensor, and a motion sensor.

[0271] The audio circuit 1960, speaker 1961, and microphone 1962 can provide an audio interface between the user and the terminal device 110. The audio circuit 1960 can convert the received audio data into an electrical signal and transmit it to the speaker 1961, which converts it into a sound signal for output. The terminal device 110 can also be equipped with a volume button for adjusting the volume of the sound signal. On the other hand, the microphone 1962 converts the collected sound signal into an electrical signal, which is received by the audio circuit 1960 and converted into audio data. The audio data is then output to the communication component 1910 for transmission to, for example, another terminal device 110, or the audio data is output to the memory 1920 for further processing.

[0272] The Bluetooth module 1970 is used to exchange information with other Bluetooth devices having a Bluetooth module through the Bluetooth protocol. For example, the terminal device can establish a Bluetooth connection with a wearable electronic device (such as a smart watch) that also has a Bluetooth module through the Bluetooth module 1970 to exchange data.

[0273] The processor 1980 is the control center of the terminal device, which uses various interfaces and lines to connect various parts of the entire terminal, and executes various functions of the terminal device and processes data by running or executing software programs stored in the memory 1920, and calling data stored in the memory 1920. In some embodiments, the processor 1980 may include one or more processing units; the processor 1980 may also integrate an application processor and a baseband processor, wherein the application processor mainly processes the operating system, user interface, and application programs, etc., and the baseband processor mainly processes wireless communications. It can be understood that the above-mentioned baseband processor may not be integrated into the processor 1980. In the present application, the processor 1980 can run the operating system, application programs, user interface display and touch response, as well as the resource transfer on the application side of the embodiment of the present application and its control method, for example Figure 2 or Figure 8 or Figure 9 In addition, the processor 1980 is coupled to the display unit 1930 .

[0274] In some possible implementations, various aspects of the resource transfer control method provided in the present application may also be implemented in the form of a program product, which includes program code. When the program product is run on a computer device, the program code is used to enable the computer device to execute the steps of the resource transfer and control method according to various exemplary embodiments of the present application described above in this specification. For example, the computer device may execute the following steps: Figure 2 or Figure 8 or Figure 9 or Figure 10 or Figure 11 Follow the steps shown in .

[0275] The program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or component, or any combination thereof. More specific examples of readable storage media (a non-exhaustive list) include: an electrical connection with one or more wires, a portable disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof.

[0276] The program product of the embodiment of the present application may be a portable compact disc read-only memory (CD-ROM) and include program code, and can be run on a computing device. However, the program product of the present application is not limited thereto. In this document, a readable storage medium may be any tangible medium containing or storing a program that can be used by or in conjunction with a command execution system, device, or device.

[0277] A readable signal medium may include a data signal transmitted in baseband or as part of a carrier wave, which carries readable program code. Such a transmitted data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. A readable signal medium may also be any readable medium other than a readable storage medium that can transmit, propagate, or transfer a program for use by or in conjunction with a command execution system, apparatus, or device.

[0278] The program code embodied on the readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

[0279] Those skilled in the art will understand that all or part of the steps of implementing the above-mentioned method embodiments can be completed by hardware related to program instructions, and the aforementioned program can be stored in a computer-readable storage medium. When the program is executed, it executes the steps of the above-mentioned method embodiments; and the aforementioned storage medium includes: mobile storage devices, read-only memory (ROM), random access memory (RAM), magnetic disks or optical disks, and other media that can store program codes.

[0280] Alternatively, if the above-mentioned integrated unit of the embodiment of the present application is implemented in the form of a software function module and sold or used as an independent product, it can also be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the embodiment of the present application is essentially or the part that contributes to the relevant technology can be embodied in the form of a software product, which is stored in a storage medium and includes a number of instructions for enabling a computer device (which can be a personal computer, a server, or a network device, etc.) to execute all or part of the methods described in each embodiment of the embodiment of the present application. The aforementioned storage medium includes: various media that can store program codes, such as mobile storage devices, ROM, RAM, magnetic disks or optical disks.

[0281] Although preferred embodiments of the present application have been described, those skilled in the art may make additional changes and modifications to these embodiments once they are aware of the basic inventive concepts. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications that fall within the scope of this application. Obviously, those skilled in the art may make various changes and modifications to this application without departing from the spirit and scope of this application. Thus, if such changes and modifications fall within the scope of the claims of this application and their equivalents, then this application is intended to include such changes and modifications.

Claims

1. A method for controlling resource transfer, characterized in that: Applied to the first application, the method includes: In response to a triggering operation of the first object to sign a resource transfer contract with a target merchant, a contract signing guidance page for the target merchant is displayed, wherein the contract signing guidance page displays process information when signing a resource transfer contract with the target merchant; In response to the first object triggering an operation on a jump control in the signing guidance page, a signing request for the target merchant is sent to the second application, so that the second application displays a resource transfer signing page for the target merchant according to the signing request; the first application and the second application have cross-message communication capabilities; the signing request is initiated by the first application to the second application via a mini-program jump after the target merchant completes confirmation, by splicing signing request parameters based on preset rules; the signing request parameters include the merchant identifier of the target merchant and the identity identifier of the first object; After receiving a notification message indicating a successful contract signing with the target merchant, the notification message is displayed, wherein the notification message is forwarded by the second application server in response to a contract confirmation operation triggered by a second object associated with the first object through the resource transfer contract signing page; the contract confirmation operation is used to bind the resource transfer account associated with the first object in the second application to the second object; After receiving the resource transfer credential information sent by the associated resource transfer terminal, the resource transfer order generated according to the resource transfer credential information is sent to the first application server, so that the first application server forwards the resource transfer order to the second application server, and the second application server performs resource transfer on the resource transfer account associated with the first object according to the resource transfer order; the resource transfer credential information is generated and sent by the resource transfer terminal after receiving the resource transfer request for the target merchant triggered by the second object and successfully verifying the identity of the second object; wherein, before the resource transfer, it must be satisfied that the geographic location information of the second object matches the contract policy.

2. The method according to claim 1, wherein The method further comprises: After receiving the resource transfer result sent by the first application server, the resource transfer result is displayed, wherein the resource transfer result is generated and sent to the first application server after the second application server transfers resources to the resource transfer account associated with the first object according to the resource transfer order.

3. A resource transfer method, characterized in that: include: Upon receiving a trigger instruction for the first object to sign a resource transfer contract with a target merchant, a contract signing request is generated based on the merchant identifier of the target merchant and the identity identifier of the first object, and the contract signing request for the target merchant is sent to the second application; after receiving a notification message of successful contract signing with the target merchant, the resource transfer characteristics of the second object and the corresponding resource transfer account associated with the first object in the notification message are obtained, and the resource transfer characteristics and the resource transfer account are associated and saved; wherein, the first application and the second application have the ability to communicate across messages; the contract signing request is initiated by the first application to the second application through a mini-program jump by splicing contract signing request parameters based on preset rules after the target merchant completes the confirmation; the contract signing request parameters include the merchant identifier of the target merchant and the identity identifier of the first object; Identify target resources to be transferred; Obtaining resource transfer characteristics corresponding to the identity identifier of the second object and geographic location information corresponding to the identity identifier of the second object; Determining a resource transfer account associated with the corresponding first object in the second application based on the resource transfer feature; the resource transfer account is bound to the second object after the second application responds to a contract confirmation operation triggered by a resource transfer contract page on the second object associated with the first object; When the geographic location information matches the contract policy and the resource transfer credential information for the target resource is obtained, a resource transfer order is generated based on the resource transfer credential information; the resource transfer order is notified to the second application server, and the second application server transfers resources to the resource transfer account associated with the first object based on the resource transfer order.

4. The method according to claim 3, wherein: Before the resource transfer account performs the resource transfer operation on the target resource, the method further includes: After receiving the monitoring instruction sent by the second application, obtaining a monitoring message for the second object and returning the monitoring message to the second application, the monitoring message including at least one of resource transfer status information and resource transfer environment information; The geographical location information matches the contract policy, further comprising: The geographical location information matches the subscription policy, and the monitoring message satisfies a preset security policy.

5. A method for controlling resource transfer, characterized in that: Applied to a first application server, the method includes: After receiving a trigger instruction for the first object to sign a resource transfer contract with a target merchant, the first object returns process information of the resource transfer contract with the target merchant to the first application, so that the first application displays a contract signing guidance page for the target merchant, wherein the contract signing guidance page displays the process information; Upon receiving a signing request for the target merchant, the signing request is sent to a second application server, which forwards the signing request to a second application, so that the second application displays a resource transfer signing page for the target merchant according to the signing request, wherein the signing request is a response from the first application to the triggering operation of the jump control in the signing guidance page by the first object, and after the target merchant completes the confirmation, the signing request parameters are spliced ​​based on preset rules and sent to the second application through the mini program jump method; the first application and the second application have the ability to communicate across messages; the signing request parameters include the merchant identifier of the target merchant and the identity identifier of the first object; Receive a notification message sent by the second application server indicating that a contract has been successfully signed with the target merchant, and forward the notification message to the first application so that the first application displays the notification message, wherein the notification message is generated and sent to the second application server by the second application in response to a contract confirmation operation triggered by the first object through the resource transfer contract page; the contract confirmation operation is used to bind the resource transfer account associated with the first object in the second application to the second object; the resource transfer account transfers resources in the following manner: when the geographic location information of the second object matches the contract policy and the monitoring message for the second object meets the pre-set security policy, the resource transfer account performs a resource transfer operation on the target resource to be transferred; Receive a resource transfer order sent by the first application, and forward the resource transfer order to the second application server, so that the second application server performs a resource transfer operation on the resource transfer account associated with the first object according to the resource transfer order, wherein the resource transfer order is generated by the first application based on the resource transfer credential information sent by the associated resource transfer terminal after receiving the resource transfer credential information, and the resource transfer credential information is generated and sent by the resource transfer terminal after receiving a resource transfer request for the target merchant triggered by the second object and successfully verifying the identity of the second object.

6. The method according to claim 5, wherein The method further comprises: After receiving the resource transfer result sent by the second application server, the resource transfer result is sent to the first application so that the first application displays the resource transfer result, wherein the resource transfer result is generated and sent after the second application server transfers resources to the resource transfer account associated with the first object according to the resource transfer order.

7. A resource transfer control device, characterized in that: include: a first response unit, configured to, in response to a triggering operation of the first object to sign a resource transfer contract with a target merchant, display a contract signing guidance page for the target merchant, wherein the contract signing guidance page displays process information for signing a resource transfer contract with the target merchant; a second response unit, configured to, in response to a triggering operation of the first object on a jump control in the signing guidance page, send a signing request for the target merchant to a second application, so that the second application displays a resource transfer signing page for the target merchant according to the signing request; and the first application and the second application have cross-message communication capabilities; The signing request is initiated by the first application to the second application through a mini-program jump after the target merchant completes the confirmation by splicing the signing request parameters based on preset rules; The contract signing request parameters include the merchant identifier of the target merchant and the identity identifier of the first object; a result display unit, configured to display a notification message indicating a successful contract signing with the target merchant upon receipt of the notification message, wherein the notification message is forwarded by the second application server in response to a contract signing confirmation operation triggered by a second object associated with the first object through the resource transfer contract signing page; The contract confirmation operation is used to send a resource transfer order generated according to the resource transfer credential information sent by the associated resource transfer terminal to the first application server after the first object is associated with the second application, so that the first application server forwards the resource transfer order to the second application server, and the second application server performs resource transfer on the resource transfer account associated with the first object according to the resource transfer order; the resource transfer credential information is generated and sent after the resource transfer terminal receives the resource transfer request for the target merchant triggered by the second object and successfully verifies the identity of the second object; wherein, before the resource transfer, it must be satisfied that the geographic location information of the second object matches the contract policy.

8. A resource transfer device, characterized in that: include: The signing unit is configured to generate a signing request based on the merchant identifier of the target merchant and the identity identifier of the first object when receiving a trigger instruction for the first object to sign a resource transfer contract with the target merchant, and send the signing request for the target merchant to the second application; after receiving a notification message of successful signing with the target merchant, obtain the resource transfer characteristics of the second object in the notification message and the corresponding resource transfer account associated with the first object, and associate and save the resource transfer characteristics and the resource transfer account; wherein the first application and the second application have the ability to communicate across messages; the signing request is initiated by the first application to the second application through a mini-program jump by splicing signing request parameters based on preset rules after the target merchant completes the confirmation; the signing request parameters include the merchant identifier of the target merchant and the identity identifier of the first object; a first determining unit, configured to determine a target resource to be transferred; an acquiring unit, configured to acquire a resource transfer feature corresponding to the identity identifier of the second object and geographic location information corresponding to the identity identifier of the second object; a second determining unit, configured to determine, based on the resource transfer feature, a resource transfer account associated with the corresponding first object in the second application; the resource transfer account being bound to the second object after the second application responds to a contract confirmation operation triggered by a resource transfer contract page on the second object associated with the first object; A resource transfer unit is used to generate a resource transfer order based on the resource transfer credential information when the geographic location information matches the contract policy and the resource transfer credential information for the target resource is obtained; notify the second application server of the resource transfer order, and the second application server transfers resources to the resource transfer account associated with the first object according to the resource transfer order.

9. A resource transfer control device, characterized in that: include: a first feedback unit configured to, upon receiving a trigger instruction for the first object to sign a resource transfer contract with a target merchant, return process information of the resource transfer contract with the target merchant to the first application, so that the first application displays a contract signing guidance page for the target merchant, wherein the contract signing guidance page displays the process information; A first forwarding unit is configured to, upon receiving a signing request for the target merchant, send the signing request to a second application server, which forwards the signing request to a second application, so that the second application displays a resource transfer signing page for the target merchant according to the signing request, wherein the signing request includes the merchant identifier of the target merchant and the identity identifier of the first object, and the signing request is a response by the first application to the triggering operation of the jump control in the signing guidance page by the first object, and after the target merchant completes the confirmation, the signing request parameters are spliced ​​based on preset rules and sent to the second application through a mini-program jump method; the first application and the second application have the ability to communicate across messages; the signing request parameters include the merchant identifier of the target merchant and the identity identifier of the first object; A second forwarding unit is used to receive a notification message sent by the second application server indicating that a contract with the target merchant has been successfully signed, and forward the notification message to the first application so that the first application displays the notification message, wherein the notification message is generated and sent to the second application server by the second application in response to a contract confirmation operation triggered by the first object through the resource transfer contract page; the contract confirmation operation is used to bind the resource transfer account associated with the first object in the second application to the second object; the resource transfer account transfers resources in the following manner: when the geographic location information of the second object matches the contract policy and the monitoring message for the second object meets the preset security policy, the resource transfer account performs a resource transfer operation on the target resource to be transferred; The third forwarding unit is used to receive the resource transfer order sent by the first application and forward the resource transfer order to the second application server, so that the second application server performs a resource transfer operation on the resource transfer account associated with the first object according to the resource transfer order, wherein the resource transfer order is generated by the first application according to the resource transfer credential information after receiving the resource transfer credential information sent by the associated resource transfer terminal, and the resource transfer credential information is generated and sent by the resource transfer terminal after receiving the resource transfer request for the target merchant triggered by the second object and successfully verifying the identity of the second object.

10. An electronic device, characterized in that: It includes a processor and a memory, wherein the memory stores program code, and when the program code is executed by the processor, the processor executes the steps of the method described in any one of claims 1 to 2, the steps of the method described in any one of claims 3 to 4, or the steps of the method described in any one of claims 5 to 6.

11. A computer-readable storage medium, characterized in that It includes program code, which, when running on an electronic device, is used to enable the electronic device to execute the steps of any one of the methods described in claims 1 to 2, or the steps of any one of the methods described in claims 3 to 4, or the steps of any one of the methods described in claims 5 to 6.

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