Resource transfer method and apparatus, computer device, and storage medium

Abstract

The application relates to a resource transfer method and device, computer equipment, a storage medium and a computer program product. The method involves artificial intelligence technology, comprising: in response to a resource transfer trigger event, acquiring a face image of a resource transfer user to be subjected to resource transfer; when it is determined based on the face image that the resource transfer user belongs to a preset face type of a shielding face recognition resource transfer mode, a resource transfer interface of the shielding face recognition resource transfer mode is displayed, and the face of the preset face type has face recognition deviation; and resource transfer is performed from a resource account corresponding to the resource transfer user through a target resource transfer mode corresponding to the resource transfer interface. The method can improve the processing efficiency of resource transfer.

Description

[0001] This application is a divisional application filed with the Chinese Patent Office on November 25, 2020, with application number 2020113363136 and titled "Resource Transfer Method, Apparatus, Computer Equipment and Storage Medium", the entire contents of which are incorporated herein by reference. Technical Field

[0002] This application relates to the field of computer technology, and in particular to a resource transfer method, apparatus, computer equipment, storage medium, and computer program product. Background Technology

[0003] With the rapid development of computer technology, more and more users are choosing to transfer various resources through terminals, such as shopping payments and fund transfers. The methods of resource transfer are also becoming increasingly diverse, including password transfer, QR code transfer, and facial recognition transfer.

[0004] Currently, resource transfer methods based on face recognition suffer from repeated failures in face recognition, resulting in ineffective resource transfer and low processing efficiency. Summary of the Invention

[0005] Therefore, it is necessary to provide a resource transfer method, apparatus, computer equipment, storage medium, and computer program product that can improve the efficiency of resource transfer processing in response to the above-mentioned technical problems.

[0006] A resource transfer method, the method comprising:

[0007] In response to a resource transfer trigger event, obtain the facial image of the user to be transferred;

[0008] When the user for resource transfer is determined to belong to the preset face type of the resource transfer method that blocks face recognition based on the face image, the resource transfer interface that blocks face recognition is displayed, and the face corresponding to the preset face type has face recognition deviation.

[0009] Resources are transferred from the resource account of the user using the target resource transfer method specified in the resource transfer interface.

[0010] A resource transfer device, the device comprising:

[0011] The face image acquisition module is used to acquire the face image corresponding to the user to be transferred in response to the resource transfer trigger event;

[0012] The resource transfer interface display module is used to display the resource transfer interface that blocks the face recognition resource transfer method when the user for resource transfer is determined to belong to the preset face type based on the face image. The face corresponding to the preset face type has face recognition deviation.

[0013] The resource transfer processing module is used to transfer resources from the resource account of the resource transfer user through the target resource transfer method corresponding to the resource transfer interface.

[0014] In one embodiment, the resource transfer interface display module is further configured to display a resource transfer interface when it is determined from a face image that the user transferring the resource belongs to a preset face type that blocks the face recognition resource transfer method, and to display a set of candidate resource transfer methods that block the face recognition resource transfer method on the resource transfer interface; the resource transfer device further includes a candidate method selection module, configured to respond to a selection operation on a candidate resource transfer method in the set of candidate resource transfer methods, and to use the candidate resource transfer method selected by the selection operation as the target resource transfer method.

[0015] In one embodiment, the candidate method selection module is further configured to display, on the resource transfer interface, various candidate resource transfer methods from the set of candidate resource transfer methods that block the face recognition resource transfer method, according to a preset display method.

[0016] In one embodiment, the resource transfer device further includes a blocking prompt module and a blocking deblocking module; wherein: the blocking prompt module is used to display blocking prompt information on the resource transfer interface; the blocking deblocking module is used to deblock the face recognition resource transfer method in response to the triggering operation of the blocking prompt information; and in response to the triggering operation of the blocking prompt information, to re-block the face recognition resource transfer method that has been deblocked.

[0017] In one embodiment, the face image acquisition module is further configured to perform object detection within a preset range to obtain object detection results; when the object detection results meet the resource transfer triggering conditions, determine the resource transfer user to be transferred; and capture a photo of the resource transfer user to obtain a face image corresponding to the resource transfer user.

[0018] In one embodiment, the face image acquisition module includes a lighting adjustment module and an image acquisition module; wherein: the lighting adjustment module is used to trigger a lighting adjustment command corresponding to the face type recognition in response to a resource transfer trigger event, so that the lighting adjustment device performs lighting adjustment in response to the lighting adjustment command; the image acquisition module is used to acquire a face image when it is determined that the lighting adjustment device has completed the lighting adjustment, so as to obtain the face image corresponding to the resource transfer user to be transferred.

[0019] In one embodiment, the resource transfer device is further configured to determine recognition deviation conditions, the recognition deviation conditions including at least one of face recognition accuracy being lower than an accuracy threshold and accuracy ranking being after a preset ranking; and to determine the face type that meets the recognition deviation conditions as the preset face type.

[0020] A computer device includes a memory and a processor, the memory storing a computer program, and the processor executing the computer program performing the following steps:

[0021] In response to a resource transfer trigger event, obtain the facial image of the user to be transferred;

[0022] When the user for resource transfer is determined to belong to the preset face type of the resource transfer method that blocks face recognition based on the face image, the resource transfer interface that blocks face recognition is displayed, and the face corresponding to the preset face type has face recognition deviation.

[0023] Resources are transferred from the resource account of the user using the target resource transfer method specified in the resource transfer interface.

[0024] A computer-readable storage medium having a computer program stored thereon, the computer program performing the following steps when executed by a processor:

[0025] In response to a resource transfer trigger event, obtain the facial image of the user to be transferred;

[0026] When the user for resource transfer is determined to belong to the preset face type of the resource transfer method that blocks face recognition based on the face image, the resource transfer interface that blocks face recognition is displayed, and the face corresponding to the preset face type has face recognition deviation.

[0027] Resources are transferred from the resource account of the user using the target resource transfer method specified in the resource transfer interface.

[0028] A computer program product includes a computer program that, when executed by a processor, performs the following steps:

[0029] In response to a resource transfer trigger event, obtain the facial image of the user to be transferred;

[0030] When the user for resource transfer is determined to belong to the preset face type of the resource transfer method that blocks face recognition based on the face image, the resource transfer interface that blocks face recognition is displayed, and the face corresponding to the preset face type has face recognition deviation.

[0031] Resources are transferred from the resource account of the user using the target resource transfer method specified in the resource transfer interface.

[0032] The aforementioned resource transfer method, apparatus, computer equipment, storage medium, and computer program product, when determining, based on the facial image of the user to be transferred, that the user's face has a facial recognition deviation and belongs to a preset face type for the face recognition-blocked resource transfer method, displays a resource transfer interface that blocks the face recognition-blocked resource transfer method, and performs resource transfer through the target resource transfer method corresponding to the displayed interface. During the resource transfer process, for users whose faces have facial recognition deviations and belong to the preset face type for the face recognition-blocked resource transfer method, displaying the face recognition-blocked resource transfer interface avoids the problem of resource transfer failure due to the face recognition-blocked resource transfer method, thus reducing resource transfer efficiency. This ensures that the user transfers resources through an effective target resource transfer method, thereby improving the processing efficiency of resource transfer.

[0033] A resource transfer method, the method comprising:

[0034] Obtain the facial image of the user whose resources are to be transferred;

[0035] Perform face type recognition on the face image to obtain the identified face type;

[0036] The recognized face type is compared with the preset face type. When the comparison result is consistent, the transfer method blocking information is sent to the resource transfer terminal so that the resource transfer terminal displays a resource transfer interface that blocks the face recognition resource transfer method. The resource is then transferred from the resource account corresponding to the resource transfer user through the target resource transfer method corresponding to the resource transfer interface. The preset face type is the face type that blocks the face recognition resource transfer method.

[0037] A resource transfer device, the device comprising:

[0038] The face image acquisition module is used to acquire the face image of the user to be transferred.

[0039] The face type recognition module is used to perform face type recognition on face images to obtain the recognized face type;

[0040] The transfer method masking module is used to compare the recognized face type with the preset face type. When the comparison result is consistent, it sends transfer method masking information to the resource transfer terminal, so that the resource transfer terminal displays a resource transfer interface that masks the face recognition resource transfer method, and transfers resources from the resource account corresponding to the resource transfer user through the target resource transfer method corresponding to the resource transfer interface; the preset face type is the face type that masks the face recognition resource transfer method.

[0041] In one embodiment, the face type recognition module is further configured to perform image quality detection on the face image to obtain a quality detection result; when the quality detection result is a pass, perform liveness detection based on the face image to obtain a liveness detection result; when the liveness detection result is a pass, perform face type recognition based on the face image to obtain the recognized face type of the resource transfer user.

[0042] In one embodiment, the face type recognition module is further configured to determine a liveness detection image from the face image that has passed the quality detection when the quality detection result is "detection passed"; and perform liveness detection based on the liveness detection image to obtain a liveness detection result.

[0043] A computer device includes a memory and a processor, the memory storing a computer program, and the processor executing the computer program performing the following steps:

[0044] Obtain the facial image of the user whose resources are to be transferred;

[0045] Perform face type recognition on the face image to obtain the identified face type;

[0046] The recognized face type is compared with the preset face type. When the comparison result is consistent, the transfer method blocking information is sent to the resource transfer terminal so that the resource transfer terminal displays a resource transfer interface that blocks the face recognition resource transfer method. The resource is then transferred from the resource account corresponding to the resource transfer user through the target resource transfer method corresponding to the resource transfer interface. The preset face type is the face type that blocks the face recognition resource transfer method.

[0047] A computer-readable storage medium having a computer program stored thereon, the computer program performing the following steps when executed by a processor:

[0048] Obtain the facial image of the user whose resources are to be transferred;

[0049] Perform face type recognition on the face image to obtain the identified face type;

[0050] The recognized face type is compared with the preset face type. When the comparison result is consistent, the transfer method blocking information is sent to the resource transfer terminal so that the resource transfer terminal displays a resource transfer interface that blocks the face recognition resource transfer method. The resource is then transferred from the resource account corresponding to the resource transfer user through the target resource transfer method corresponding to the resource transfer interface. The preset face type is the face type that blocks the face recognition resource transfer method.

[0051] A computer program product includes a computer program that, when executed by a processor, performs the following steps:

[0052] Obtain the facial image of the user whose resources are to be transferred;

[0053] Perform face type recognition on the face image to obtain the identified face type;

[0054] The recognized face type is compared with the preset face type. When the comparison result is consistent, the transfer method blocking information is sent to the resource transfer terminal so that the resource transfer terminal displays a resource transfer interface that blocks the face recognition resource transfer method. The resource is then transferred from the resource account corresponding to the resource transfer user through the target resource transfer method corresponding to the resource transfer interface. The preset face type is the face type that blocks the face recognition resource transfer method.

[0055] The aforementioned resource transfer method, apparatus, computer equipment, storage medium, and computer program product perform face type recognition on the facial image corresponding to the user to be transferred. When the recognized face type matches the preset face type, transfer method masking information is sent to the resource transfer terminal. This causes the resource transfer terminal to display a resource transfer interface that masks the face recognition resource transfer method, and the resource transfer is performed using the target resource transfer method corresponding to the displayed interface. During the resource transfer process, for users whose faces have face recognition deviations and belong to the preset face type that masks the face recognition resource transfer method, the transfer method masking information causes the resource transfer terminal to display a resource transfer interface that masks the face recognition resource transfer method. This avoids the problem of resource transfer failure due to the face recognition resource transfer method, which reduces resource transfer efficiency. It ensures that the user transfers resources using an effective target resource transfer method, thereby improving the processing efficiency of resource transfer. Attached Figure Description

[0056] Figure 1 This is a diagram illustrating the application environment of a resource transfer method in one embodiment;

[0057] Figure 2This is a flowchart illustrating a resource transfer method in one embodiment;

[0058] Figure 3 This is a diagram illustrating the application environment of a resource transfer method in one embodiment;

[0059] Figure 4 This is a schematic diagram of the desktop interface of a resource transfer terminal in one embodiment;

[0060] Figure 5 This is a schematic diagram of the resource transfer interface in one embodiment;

[0061] Figure 6 This is a schematic diagram of the QR code payment interface in one embodiment;

[0062] Figure 7 This is a schematic diagram of the interface for voiceprint payment in one embodiment;

[0063] Figure 8 This is a schematic diagram of an interface that disables facial recognition payment in one embodiment;

[0064] Figure 9 This is a schematic diagram of the interface for unblocking face payment in one embodiment;

[0065] Figure 10 This is an application environment diagram for adjusting the fill light lamp in one embodiment;

[0066] Figure 11 This is a schematic diagram of the face payment interface in one embodiment;

[0067] Figure 12 This is a schematic diagram of the resource transfer process in one embodiment;

[0068] Figure 13 This is a structural block diagram of a payment terminal in one embodiment;

[0069] Figure 14 This is a diagram illustrating the application environment of a resource transfer method in one embodiment;

[0070] Figure 15 This is a structural block diagram of a resource transfer device in one embodiment;

[0071] Figure 16 Another embodiment shows a structural block diagram of the resource transfer device;

[0072] Figure 17 This is an internal structural diagram of a computer device in one embodiment;

[0073] Figure 18 This is an internal structural diagram of a computer device in one embodiment. Detailed Implementation

[0074] To make the objectives, technical solutions, and advantages of this application clearer, the following detailed description is provided in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the scope of this application.

[0075] Artificial intelligence (AI) is the theory, methods, technology, and application systems that use digital computers or machines controlled by digital computers to simulate, extend, and expand human intelligence, perceive the environment, acquire knowledge, and use that knowledge to achieve optimal results. In other words, AI is a comprehensive technology within computer science that attempts to understand the essence of intelligence and produce a new kind of intelligent machine that can react in a way similar to human intelligence. AI studies the design principles and implementation methods of various intelligent machines, enabling them to possess the functions of perception, reasoning, and decision-making.

[0076] Artificial intelligence (AI) is a comprehensive discipline encompassing a wide range of fields, including both hardware and software technologies. Fundamental AI technologies generally include sensors, dedicated AI chips, cloud computing, distributed storage, big data processing, operating / interactive systems, and mechatronics. AI software technologies primarily include computer vision, speech processing, natural language processing, and machine learning / deep learning.

[0077] Computer vision (CV) is the science that studies how to enable machines to "see." More specifically, it refers to machine vision, which uses cameras and computers to replace human eyes in recognizing and measuring targets, and then performs image processing to create images more suitable for human observation or transmission to instruments. As a scientific discipline, computer vision studies related theories and technologies, attempting to build artificial intelligence systems capable of extracting information from images or multidimensional data. Computer vision technologies typically include image processing, image recognition, image semantic understanding, image retrieval, OCR, video processing, video semantic understanding, video content / behavior recognition, 3D object reconstruction, 3D technology, virtual reality, augmented reality, simultaneous localization and mapping (SLAM), and common biometric recognition technologies such as facial recognition and fingerprint recognition.

[0078] Machine Learning (ML) is a multidisciplinary field involving probability theory, statistics, approximation theory, convex analysis, and algorithm complexity theory. It specifically studies how computers can simulate or implement human learning behavior to acquire new knowledge or skills and reorganize existing knowledge structures to continuously improve their performance. Machine learning is the core of artificial intelligence and the fundamental way to endow computers with intelligence; its applications span all areas of artificial intelligence. Machine learning and deep learning typically include techniques such as artificial neural networks, belief networks, reinforcement learning, transfer learning, inductive learning, and instructional learning.

[0079] The solutions provided in this application involve artificial intelligence technologies such as computer vision and machine learning, which are specifically illustrated through the following embodiments.

[0080] The resource transfer method provided in this application can be applied to, for example... Figure 1 In the application environment shown, terminal 102 communicates with server 104 via a network. In response to a resource transfer trigger event, such as when a user clicks on terminal 102 to transfer resources, terminal 102 acquires the facial image of the user to be transferred and sends it to server 104 for face type recognition. If, based on the facial image, it is determined that the face of the user to be transferred has a face recognition deviation and belongs to a preset face type for the face recognition-blocked resource transfer method, terminal 102 displays a resource transfer interface that blocks the face recognition-blocked resource transfer method and performs the resource transfer using the target resource transfer method corresponding to the displayed resource transfer interface.

[0081] In another embodiment, the resource transfer method provided in this application can be applied to, for example, Figure 1 In the server 104 shown, the server 104 acquires the face image corresponding to the user to be transferred, which is collected by the terminal 102. The server 104 performs face type recognition on the face image. When the comparison result between the recognized face type and the preset face type is consistent, the server 104 sends transfer method blocking information to the terminal 102, so that the terminal 102 displays a resource transfer interface that blocks the face recognition resource transfer method, and performs resource transfer through the target resource transfer method corresponding to the displayed resource transfer interface.

[0082] The terminal 102 can be, but is not limited to, various personal computers, laptops, smartphones, tablets and portable wearable devices, and the server 104 can be implemented by a standalone server or a server cluster consisting of multiple servers.

[0083] In one embodiment, such as Figure 2As shown, a resource transfer method is provided, which can be applied to... Figure 1 Taking the terminal in the example, the explanation includes the following steps:

[0084] Step 202: In response to the resource transfer trigger event, obtain the face image corresponding to the user to be transferred.

[0085] In this context, resources are assets that can be exchanged for goods or services. Resources can include funds, electronic vouchers, shopping coupons, and virtual red envelopes, with virtual red envelopes being virtual objects possessing a certain monetary value. For example, funds can be exchanged for goods of equivalent value after a transaction. Resource transfer refers to the exchange of resources, involving both the resource transferor and the resource recipient. Resources are transferred from the resource transferor to the resource transferee, such as funds being transferred as a resource during the payment process for shopping. A resource transfer triggering event refers to an event that triggers a resource transfer, which may include, but is not limited to, operations or instructions that trigger a resource transfer. For example, starting a resource transfer terminal can trigger a resource transfer triggering event; similarly, a resource transfer triggering event can be triggered when the resource transfer terminal receives a triggering instruction from the server. A resource transfer user is a user who needs to perform resource transfer processing; resource transfer is the transfer or exchange of resources within the resource account corresponding to that user. A facial image is an image of the facial features obtained by capturing images of the user undergoing resource transfer. For example, when the resource transfer terminal is equipped with a camera, the camera on the resource transfer terminal can be used to capture images of the user undergoing resource transfer, thereby obtaining the facial image of the user.

[0086] Specifically, the resource transfer terminal detects the presence of a resource transfer trigger event, which can be performed in real-time or periodically. If a resource transfer trigger event is detected, indicating that a resource transfer is required, the resource transfer terminal responds by acquiring the facial image of the user to be transferred. Specifically, the facial image can be captured by a camera installed on the resource transfer terminal, and the terminal acquires the facial image of the user being transferred captured by the camera.

[0087] In practical applications, such as Figure 3As shown, the resource transfer terminal is equipped with a display screen and a camera. The camera can include, but is not limited to, various types such as visible light cameras, depth cameras, and infrared cameras. The resource transfer terminal can detect and identify people within a certain range to determine if someone is approaching and resource transfer is needed, such as whether a shopping payment is required. When the resource transfer terminal detects that a user is approaching and resource transfer is needed, a resource transfer trigger event is triggered. In response to this resource transfer trigger event, the resource transfer terminal acquires the facial image of the user to be transferred. Specifically, the camera on the resource transfer terminal takes a picture of the user to be transferred to obtain the facial image of the user.

[0088] In another specific application, such as Figure 4 As shown, when no resource transfer is triggered, the resource transfer terminal displays a default desktop interface. When a user seeking to transfer resources touches the terminal's display screen, a resource transfer trigger event is triggered. The terminal responds to this event by acquiring the facial image of the user. Furthermore, the resource transfer trigger event can be triggered whenever any location on the terminal's display screen is touched, ensuring efficient response. Alternatively, a trigger area can be defined on the screen, and the event is only triggered when the user touches that area, preventing accidental touches.

[0089] In addition, a resource transfer trigger event can be triggered when the corresponding resource transfer service is started on the resource transfer terminal; alternatively, the resource transfer trigger event can be triggered by a command sent by the server. The resource transfer trigger event can be flexibly configured according to actual needs.

[0090] Step 204: When it is determined from the face image that the user transferring the resource belongs to the preset face type of the face recognition-blocked resource transfer method, the resource transfer interface of the face recognition-blocked resource transfer method is displayed, and the face corresponding to the preset face type has face recognition deviation.

[0091] Face types are categorized based on facial features. Faces can be classified into types suitable for face recognition and types unsuitable for it. Face recognition resource transfer refers to the processing methods that transfer face recognition resources, such as payment methods that use face recognition for shopping. Face recognition is a biometric technology that identifies individuals based on their facial features. Specifically, it uses cameras or webcams to capture images or video streams containing faces, automatically detects and identifies faces in the images, and then performs face recognition on the detected faces. Currently, face recognition technology faces technical recognition problems, resulting in significant differences in recognition results. There is a face recognition bias corresponding to preset face types. Face recognition bias refers to the larger error and lower accuracy of the face recognition result corresponding to the preset face type compared to other non-preset face types. In practical implementation, face recognition bias can be quantified and defined according to actual needs, allowing for the on-demand classification and setting of preset face types. The presence of facial recognition bias can be manually set or automatically determined by computer equipment. For example, it could automatically classify face types that meet the bias criteria as preset face types for the face recognition resource transfer blocking method. Bias criteria can include face recognition accuracy being lower than an accuracy threshold or ranking after a preset order. For instance, assuming face type A has a 96% accuracy rate and face type B has a 99% accuracy rate, with an accuracy threshold of 98%, then face type A belongs to the preset face types for the face recognition resource transfer blocking method, while face type B does not. The preset order is from highest to lowest accuracy; higher accuracy results in a higher ranking.

[0092] The resource transfer interface is used to display resource transfer methods. In practice, the resource transfer interface can display various resource transfer methods, such as QR code transfer, password transfer, verification code transfer, and various biometric transfer methods such as fingerprint transfer, voiceprint transfer, and iris transfer.

[0093] Specifically, after obtaining the facial image of the user to be transferred, if it is determined from the facial image that the user belongs to the preset facial type that blocks the facial recognition resource transfer method, it indicates that there is a facial recognition deviation in the face of the user. If the resource transfer is carried out through the facial recognition resource transfer method, the transfer is likely to fail, thus affecting the processing efficiency of the resource transfer. In this case, the resource transfer terminal displays a resource transfer interface that blocks the facial recognition resource transfer method. In the displayed resource transfer interface, the facial recognition resource transfer method is blocked, that is, the user cannot select the facial recognition resource transfer method to transfer resources in the resource transfer interface.

[0094] In practical applications, if the resources are transferred to the payment process in shopping transactions, facial recognition can be performed on the user when making payment. If there is a deviation in the facial recognition of the user's face, such as low accuracy of facial recognition, the payment terminal displays a payment interface that blocks facial recognition payment methods, such as displaying a payment interface that includes QR code payment and password payment, so that the user can choose the appropriate payment method to make payment.

[0095] Step 206: Transfer resources from the resource account corresponding to the resource transfer user through the target resource transfer method specified in the resource transfer interface.

[0096] The target resource transfer method is the selected resource transfer method in the resource transfer interface. The resource account is the account where the resource transfer user stores resources. The resource transfer process is achieved by exchanging and transferring resources corresponding to the resource account of the resource transfer user.

[0097] Specifically, after the resource transfer terminal displays a resource transfer interface that blocks facial recognition, the user selects the target resource transfer method in the resource transfer interface to transfer resources from the resource account corresponding to the user. For example, resources in the resource account corresponding to the user are transferred to the account of the recipient, thus achieving efficient resource transfer processing.

[0098] In the aforementioned resource transfer method, when it is determined, based on the facial image of the user to be transferred, that the user's face has a facial recognition error and belongs to a preset face type for the face recognition-blocked resource transfer method, a resource transfer interface for the face recognition-blocked method is displayed. The resource transfer is then performed using the target resource transfer method corresponding to the displayed interface. During the resource transfer process, displaying a face-blocked resource transfer interface for users with facial recognition errors avoids resource transfer failures caused by the face recognition-based method, thus preventing reduced efficiency. This ensures that the user transfers resources using an effective target method, thereby improving processing efficiency.

[0099] In one embodiment, when it is determined from a facial image that the user transferring resources belongs to a preset face type for the face recognition-blocked resource transfer method, displaying the resource transfer interface for the face recognition-blocked resource transfer method includes: when it is determined from a facial image that the user transferring resources belongs to a preset face type for the face recognition-blocked resource transfer method, displaying the resource transfer interface and displaying a set of candidate resource transfer methods for the face recognition-blocked resource transfer method on the resource transfer interface.

[0100] The candidate resource transfer method set includes various candidate resource transfer methods, but excludes facial recognition resource transfer methods. For example, specific candidate resource transfer methods can include QR code transfer, voiceprint transfer, verification code transfer, iris recognition, and other resource transfer methods. The candidate resource transfer method set can be pre-configured according to actual needs, with corresponding combinations of candidate resource transfer methods forming the set. For example, based on the historical data of users of the resource transfer terminal, the resource transfer methods used by users during resource transfer can be determined, thus identifying the most frequently used methods as candidate resource transfer methods, and constructing a candidate resource transfer method set based on these methods. Furthermore, the arrangement and display effect of various candidate resource transfer methods in the candidate resource transfer method set can also be set according to actual needs. For example, various candidate resource transfer methods can be sorted from high to low usage frequency, thus prioritizing the display of the most frequently used candidate resource transfer methods. Regarding the display of various candidate resource transfer methods, the most frequently used, preset number of candidate resource transfer methods can be highlighted, for example, through a combination of text and images. Other candidate resource transfer methods can be displayed only with text, making it easier for users to select the desired method on the resource transfer interface. Furthermore, when the candidate resource transfer method set includes only one method, or when a default method is set, the resource transfer interface can directly display the resource transfer processing interface corresponding to that candidate method or the default method. This directly designates it as the target resource transfer method, such as displaying the QR code for the scan-to-transfer method directly on the resource transfer interface, thus eliminating the need to select a target resource transfer method and further improving resource transfer processing efficiency.

[0101] Specifically, when it is determined from the face image that the resource transfer user belongs to the preset face type of the face transfer method that blocks face recognition, it indicates that there is a face recognition deviation for the face of the current resource transfer user. The resource transfer user is not suitable for the face recognition resource transfer method. Then the resource transfer terminal displays the resource transfer interface, which displays a set of candidate resource transfer methods that block face recognition. The set of candidate resource transfer methods includes various candidate resource transfer methods displayed according to a predetermined candidate display method.

[0102] In a specific application, such as Figure 5 As shown, when the user being transferred is determined to have a preset face type that blocks face recognition resource transfer methods based on their facial image, the resource transfer terminal's display screen shows various candidate resource transfer methods, specifically various payment methods, excluding the blocked face recognition resource transfer methods, i.e., face payment methods. Users who need to make a payment can select a candidate payment method from the payment method set through the selection operation on the resource transfer interface to complete the payment.

[0103] Furthermore, the resource transfer method also includes: in response to a selection operation for a candidate resource transfer method in the set of candidate resource transfer methods, using the candidate resource transfer method selected by the selection operation as the target resource transfer method.

[0104] Specifically, after displaying a set of candidate resource transfer methods that block face recognition resource transfer on the resource transfer interface, the resource transfer terminal responds to the selection operation of the candidate resource transfer methods in the set. Specifically, the resource transfer terminal can detect when the resource transfer user selects a candidate resource transfer method on the resource transfer interface and determine the selected candidate resource transfer method as the target resource transfer method.

[0105] In a specific application, such as Figure 6 As shown, the resource transfer terminal is a payment terminal. After the user selects QR code payment on the payment method interface, the payment terminal displays the corresponding QR code and prompts the user to scan the code to complete the payment. In another application, such as... Figure 7 As shown, the resource transfer terminal is a payment terminal. After the user selects voiceprint payment as the payment method on the payment method interface, the terminal displays the characteristic text corresponding to the voiceprint payment and prompts the user to make the payment by reading the characteristic text aloud. Furthermore, the payment interface can also display a payment method selection control. By triggering this control, the user can return to the interface for selecting the target payment method and reselect the desired method.

[0106] In this embodiment, a set of candidate resource transfer methods is displayed on the resource transfer interface, excluding the face recognition resource transfer method that has been blocked. The target resource transfer method is determined based on the selection operation of the set of candidate resource transfer methods for resource transfer processing. This can prevent users with face recognition errors from transferring resources through the face recognition resource transfer method, thereby reducing the failure rate of resource transfer and improving the processing efficiency of resource transfer.

[0107] In one embodiment, the resource transfer method further includes: displaying a blocking prompt message on the resource transfer interface; and, in response to a triggering operation on the blocking prompt message, removing the blocking of the face recognition resource transfer method.

[0108] The blocking prompt message is used to indicate whether the resource transfer method is blocked. This can include various forms of prompts, such as text or graphics. Displaying the blocking prompt message on the resource transfer interface can inform the user that the face recognition resource transfer method is blocked, and can also remove the block on the face recognition resource transfer method by using the blocking prompt message.

[0109] Specifically, the resource transfer terminal can also display a blocking prompt message on the resource transfer interface. This blocking prompt message can be pre-set according to actual needs, and may include at least one of graphics, images, text, or multimedia, to inform the user that the face recognition resource transfer method has been blocked. Furthermore, the user can trigger the blocking prompt message displayed on the resource transfer interface. In response to this trigger, the resource transfer terminal unblocks the face recognition resource transfer method, thus displaying the blocked method for the user to select. In practical implementation, in response to the trigger of the blocking prompt message, the resource transfer terminal can directly display the resource transfer processing interface corresponding to the face recognition method, allowing resource transfer processing to be performed using that method. Furthermore, when the face recognition resource transfer method is unblocked, the resource transfer terminal can re-block it in response to the trigger of the blocking prompt message.

[0110] In a specific application, such as Figure 8 As shown, on the self-service payment terminal, the resource transfer interface, i.e., the payment method interface, displays various candidate payment methods that are not blocked. It also displays a blocking notification for facial recognition payment, which includes a folded symbol and a text description. Payment users can trigger actions based on the blocking notification, such as... Figure 9As shown, the face payment method is now unblocked and displayed on the payment method interface, allowing users to choose it for payment.

[0111] In this embodiment, a blocking prompt message is displayed on the resource transfer interface to inform the user that the face recognition resource transfer method is blocked. At the same time, by responding to the trigger operation of the blocking prompt message, the blocking of the face recognition resource transfer method can be lifted, and the face recognition resource transfer method can be re-displayed on the resource transfer interface for the user to select the resource transfer method. Thus, the blocking and display of the face recognition resource transfer method can be adjusted according to the needs of the user.

[0112] In one embodiment, in response to a resource transfer trigger event, acquiring the face image corresponding to the resource transfer user to be transferred includes: in response to the resource transfer trigger event, triggering a light adjustment command corresponding to the face type recognition, so that the light adjustment device performs light adjustment in response to the light adjustment command; when it is determined that the light adjustment device has completed the light adjustment, performing face image acquisition to obtain the face image corresponding to the resource transfer user to be transferred.

[0113] The lighting adjustment command is used to adjust the lighting during face image acquisition for face type recognition, preventing lighting issues from affecting the accuracy of face type recognition. The lighting adjustment command operates on a lighting adjustment device, which can emit light to adjust the lighting. This device can be a flash, fill light, or other light-emitting devices.

[0114] Specifically, when acquiring the facial image of the user to be transferred, the resource transfer terminal responds to the resource transfer trigger event by triggering a lighting adjustment command corresponding to the facial type recognition. This can be configured to trigger the lighting adjustment command immediately upon the resource transfer trigger event, or it can be further configured to trigger the lighting adjustment command when the current lighting environment meets the lighting adjustment conditions, such as when the current light intensity is lower than a preset light intensity threshold. The lighting adjustment device responds to the lighting adjustment command and performs lighting adjustment. Once the lighting adjustment is complete, such as when the lighting adjustment has been performed for a preset duration or when the current light intensity meets the image acquisition light intensity threshold, facial image acquisition is performed to obtain the facial image of the user to be transferred.

[0115] In a specific application, such as Figure 10As shown, the resource transfer terminal is equipped with a supplementary light. In response to the resource transfer trigger event, the resource transfer terminal triggers the light adjustment command corresponding to the face type recognition, so that the supplementary light responds to the light adjustment command to provide supplementary lighting. After confirming that the supplementary light has provided supplementary lighting, the face image is captured to obtain the face image of the user to be transferred.

[0116] In this embodiment, the light adjustment device is controlled by the light adjustment command to adjust the light, thereby improving the acquisition environment for facial images during face type recognition and preventing light problems from affecting the accuracy of face type recognition. This can improve the accuracy of face type recognition and thus improve the processing efficiency of resource transfer.

[0117] In one embodiment, before face type detection, liveness detection can be performed based on the face image to determine whether the resource transfer user corresponding to the captured face image is a real living object, i.e., whether the captured face is a real face or a fake face attack. Specifically, the resource transfer terminal can be equipped with multiple cameras, such as visible light cameras, depth cameras, and infrared cameras, which can capture color images, depth images, and infrared images respectively. Among them, the depth image, also known as the distance image, refers to the image where the distance (depth) from the image acquisition device to each point in the scene is used as the pixel value, which directly reflects the geometry of the visible surface of the object. Based on the color image and the depth image, liveness detection can be performed on the face image to determine whether the resource transfer user corresponding to the face image is a real living object. In addition, during liveness detection, the resource transfer terminal can perform quality inspection on each frame of the image captured by the camera to ensure that the face quality meets the requirements of face type detection, such as occlusion range, blur range, illumination range, pose angle, and face size. Based on quality detection, high-quality color images are identified from each frame of images captured by the camera, and liveness detection is performed by combining the corresponding depth image or infrared image of the color image to obtain the liveness detection result.

[0118] In one embodiment, the resource transfer method further includes: when it is determined from the face image that the resource transfer user belongs to a non-preset face type, displaying a standard resource transfer interface with the face recognition resource transfer method not masked; receiving a selection operation for the face recognition resource transfer method through the standard resource transfer interface; and in response to the selection operation, transferring resources from the resource account corresponding to the resource transfer user through the face recognition resource transfer method.

[0119] Specifically, when the user whose face image corresponds to a resource transfer method belongs to a non-preset face type (meaning there is no face recognition deviation and accurate face recognition is possible), the resource transfer terminal displays a standard resource transfer interface without masking the face recognition resource transfer method. This standard interface includes various resource transfer methods, including face recognition. The user can select a transfer method based on this interface to transfer resources using that method. Further, if the user selects face recognition as the target method, the terminal receives the selection request for face recognition via the standard interface and, in response, transfers resources from the user's account using the face recognition method.

[0120] In a specific application, such as Figure 11 As shown, after the resource transfer terminal receives the selection operation for the face recognition resource transfer method through the standard resource transfer interface, the resource transfer terminal performs resource transfer processing through the face recognition resource transfer method.

[0121] In this embodiment, when the resource transfer user corresponding to the face image belongs to a non-preset face type, that is, when the face of the resource transfer user corresponding to the face image does not have face recognition deviation and face recognition can be accurately performed, the resource transfer terminal can display a standard resource transfer interface including the face recognition resource transfer method, so that accurate and efficient resource transfer processing can be performed based on the face recognition resource transfer method.

[0122] In one embodiment, such as Figure 12 As shown, a resource transfer method is provided, which can be applied to... Figure 1 Taking the server in the example, the following steps are included:

[0123] Step 1902: Obtain the facial image of the user to be transferred.

[0124] In this context, resources are assets that can be exchanged for a counterparty. Resource transfer refers to the exchange of resources, involving both the resource transferor and the resource recipient. Resources are transferred from the resource transferor to the resource transferee; for example, in the payment process of shopping, funds are transferred as resources. A resource transfer user is a user who needs to undergo resource transfer processing; resource transfer is the transfer or exchange of resources within the resource account corresponding to that user. A facial image is an image of the facial features obtained by capturing images of the user's face. For example, when the resource transfer terminal is equipped with a camera, the camera can be used to photograph the user undergoing the resource transfer, obtaining their facial image.

[0125] Specifically, when the server needs to perform resource transfer processing, such as when a resource transfer event is triggered, it acquires the facial image of the user to be transferred. This can be achieved by the server obtaining the facial image captured by the camera of the resource transfer terminal.

[0126] Step 1904: Perform face type recognition on the face image to obtain the recognized face type.

[0127] Among them, face type represents the facial features of the resource transfer user corresponding to the face image, and different face images correspond to different facial features. Face type can be set according to actual classification needs.

[0128] Specifically, the server performs face type recognition on the acquired face images to obtain the identified face type. The identified face type reflects the face type of the resource transfer user corresponding to the face image. For example, the server can detect the face image to identify the face type of the resource transfer user corresponding to the face image, and obtain the face type recognition result. Based on the face type recognition result, it can be determined whether the resource transfer user is suitable for resource transfer using the face recognition resource transfer method.

[0129] Step 1906: Compare the recognized face type with the preset face type. When the comparison result is consistent, send transfer method blocking information to the resource transfer terminal so that the resource transfer terminal displays a resource transfer interface that blocks the face recognition resource transfer method. Then, transfer resources from the resource account corresponding to the resource transfer user through the target resource transfer method corresponding to the resource transfer interface. The preset face type is the face type that blocks the face recognition resource transfer method.

[0130] Among these, the preset face type exhibits face recognition bias. Face recognition bias refers to the larger error and lower accuracy of face recognition results for faces corresponding to the preset face type compared to other non-preset face types. In practical implementation, face recognition bias can be quantified and defined according to actual needs, allowing for the on-demand classification and setting of preset face types. Face recognition resource transfer refers to the processing methods through face recognition resource transfer, such as payment methods using face recognition for shopping. Face recognition is a biometric technology that identifies individuals based on their facial features. Specifically, it uses cameras or webcams to capture images or video streams containing faces, automatically detects and identifies faces in the images, and then performs face recognition on the detected faces. Currently, face recognition technology suffers from technical bias; the recognition results vary significantly for different types of faces. The resource transfer interface displays various resource transfer methods, such as QR code transfer, password transfer, verification code transfer, and various biometric transfer methods such as fingerprint transfer, voiceprint transfer, and iris recognition. The target resource transfer method is the one selected for transfer in the resource transfer interface. The resource account is the account where the resource transfer user stores their resources. Resource transfer is achieved by exchanging and transferring resources from the resource account corresponding to the resource transfer user.

[0131] Specifically, the server compares the recognized face type corresponding to the face image with a preset face type to determine whether the resource transfer user corresponding to the face image belongs to the face type that blocks the face recognition resource transfer method. The server makes this judgment based on the comparison result of the recognized face type and the preset face type. If the comparison result is consistent, it indicates that the recognized face type meets the conditions for blocking the face recognition resource transfer method. The server then sends transfer method blocking information to the resource transfer terminal, causing the resource transfer terminal to display a resource transfer interface that blocks the face recognition resource transfer method. Resources are then transferred from the resource account corresponding to the resource transfer user through the target resource transfer method corresponding to the resource transfer interface. The transfer method blocking information is used to control the resource transfer terminal to display the resource transfer interface that blocks the face recognition resource transfer method. The transfer method blocking information can be a blocking command or data from the resource transfer interface that blocks the face recognition resource transfer method.

[0132] In practical applications, if the resource transfer is to the payment process in a shopping transaction, the server can perform facial recognition on the user during payment. If there is a facial recognition error, such as determining that the accuracy of facial recognition is low, the server sends a transfer method blocking information to the payment terminal. This causes the payment terminal to display a payment interface that blocks facial recognition payment methods, such as displaying a payment interface that includes QR code payment and password payment, allowing the user to choose the appropriate payment method. This avoids the user choosing facial recognition payment, increases the payment success rate, and thus improves payment processing efficiency.

[0133] The aforementioned resource transfer method performs face type recognition on the facial image of the user to be transferred. When the recognized face type matches a preset face type, transfer method masking information is sent to the resource transfer terminal. This causes the resource transfer terminal to display a resource transfer interface that masks the face recognition resource transfer method, and the resource transfer is performed using the target resource transfer method corresponding to the displayed interface. During the resource transfer process, for users whose faces have face recognition errors and belong to the preset face type that masks the face recognition resource transfer method, the transfer method masking information causes the resource transfer terminal to display a resource transfer interface that masks the face recognition resource transfer method. This avoids the problem of resource transfer failure due to the face recognition resource transfer method, which reduces the efficiency of resource transfer. It ensures that the user transfers resources using an effective target resource transfer method, thereby improving the processing efficiency of resource transfer.

[0134] In one embodiment, the server can also perform liveness detection based on facial images to determine whether the resource transfer user corresponding to the captured facial image is a real living object, i.e., whether the captured face is a real face or a fake face attack. Specifically, the resource transfer terminal can be equipped with multiple cameras, such as visible light cameras, depth cameras, and infrared cameras, which can capture color images, depth images, and infrared images respectively. The server can perform liveness detection on the facial images based on the color and depth images to determine whether the resource transfer user corresponding to the facial image is a real living object. In addition, during liveness detection, the server can perform quality checks on each frame of the images captured by the camera to ensure that the face quality meets the face type detection requirements, such as occlusion range, blur range, illumination range, pose angle, and face size. Based on the quality checks, the server determines the high-quality color image from each frame of the images captured by the camera and combines it with the corresponding depth or infrared image to perform liveness detection, thus obtaining the liveness detection result.

[0135] This application also provides an application scenario in which the above-described resource transfer method is applied. Specifically, the resource transfer method is applied in this scenario as follows:

[0136] This application scenario includes a backend server and a frontend payment terminal, such as... Figure 13 As shown, the payment terminal may include a supplementary light, a 3D camera, and a display screen. The supplementary light adjusts ambient light to improve the 3D camera's shooting effect and prevent misidentification due to lighting conditions. The 3D camera incorporates liveness detection hardware and software, including a depth camera and an infrared camera, ensuring information security. It can also detect distance information within the shooting space. The display screen shows various payment interaction interfaces. In practical applications, when a user needs to make a payment, they can operate the payment terminal and select the appropriate payment method from the payment interface displayed on the screen. For example, if a user chooses QR code payment, the terminal's display screen will show the corresponding QR code, which the user can scan to complete the payment. Alternatively, if a user chooses facial recognition payment, the terminal can use the 3D camera to perform facial recognition. Facial recognition is a technology that uses facial multimedia information to exchange for personal identity information; successful facial recognition enables face-scanning payment. In low-light conditions, the payment terminal can also activate the supplementary light to adjust the lighting, ensuring the effectiveness of facial recognition and improving the payment success rate.

[0137] Furthermore, such as Figure 14 As shown, in this application scenario, the backend server includes a face type configuration service, a face payment service, and a QR code payment service. The face type configuration service has six face type levels, each corresponding to a different point of interest (POI). That is, different location information is divided into six face type levels, and the corresponding face type level can be determined from the face type configuration service based on the location information. Different face type levels correspond to different face type classification conditions.

[0138] During payment, the payment terminal starts the system and runs the facial recognition payment app. The app detects system startup broadcasts and, upon system startup, actively launches the facial recognition payment app and activates its auxiliary light. Once the facial recognition payment app launches, and the payment terminal detects a resource transfer trigger event, it retrieves the facial type profile configuration from the backend server based on the terminal's location to obtain the facial type profile for the current location. Specifically, the payment terminal reads its GPS information and sends it to the backend service for recognition, obtaining the facial type profile corresponding to that location. The facial type profile varies depending on the population in different areas, allowing for more flexible and dynamic control of the device's facial recognition performance. After retrieving the configuration, the payment terminal performs facial recognition on the user, specifically by capturing the user's face using a 3D camera. The 3D camera outputs a streaming data stream to the facial capture module, including color, infrared, and depth images. The face capture module reads the data stream from the 3D camera and performs quality checks on each frame to ensure that the face quality meets the requirements for subsequent face recognition and face type identification. This includes considerations such as occlusion range, blur range, illumination range, pose angle, and face size. The module then filters the captured face images, selecting those that meet the quality requirements for face liveness detection to determine if the 3D camera captured a real, living subject. Liveness detection can determine whether the face captured by the 3D camera is a real face or a fake face attack. Specifically, liveness detection can be performed using color images, depth images, and infrared images. After successful liveness detection, face type identification is performed based on the face image. Face type identification can be implemented using deep learning algorithms, such as the continuous algorithm for ModiFace face type detection, which supports multiple face type detection levels, specifically six levels. Alternatively, threshold face type identification in the RGB color space, Cr-Cb range filtering in the YCrCb color space, or models such as single Gaussian, Gaussian mixture, Bayesian, and elliptic models can also be used for face type identification. The payment terminal compares the facial recognition result with the determined facial type level. If the user's facial type matches the facial type level corresponding to the current terminal location (i.e., it meets the facial type level for facial payment at the current terminal location), the payment terminal displays a standard payment interface that includes facial payment, allowing the user to choose facial payment. If the user's facial type does not match the facial type level corresponding to the current terminal location (i.e., it does not meet the facial type level for facial payment at the current terminal location), the payment terminal displays a payment interface that disables facial payment. For example, the facial payment control can be hidden in the user interface of the payment terminal, and the user is prompted to scan a QR code for payment.

[0139] In this embodiment, continuous facial recognition is performed through the payment terminal. When a facial recognition error is detected, indicating that the user's face is not eligible for facial payment, the facial recognition payment button is proactively disabled, and the user is prompted to use QR code payment instead. This reduces the failure rate of facial payment and improves payment processing efficiency. Simultaneously, to prevent false facial recognition, a supplementary light is provided on the facial recognition terminal to reduce misjudgments caused by lighting conditions, further improving payment processing efficiency. Furthermore, the facial recognition level can be finely controlled according to different geographical locations, allowing for more flexible control of the facial recognition effect and ensuring payment processing efficiency.

[0140] It should be understood that, although Figure 2 , Figure 12 and Figure 14 The steps in the flowchart are shown sequentially as indicated by the arrows, but these steps are not necessarily executed in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order in which these steps are executed, and they can be performed in other orders. Figure 2 , Figure 12 and Figure 14 At least some of the steps in the process may include multiple steps or multiple stages. These steps or stages are not necessarily completed at the same time, but may be executed at different times. The execution order of these steps or stages is not necessarily sequential, but may be executed in turn or alternately with other steps or at least some of the steps or stages in other steps.

[0141] In one embodiment, such as Figure 15 As shown, a resource transfer device 2200 is provided. This device can be a software module, a hardware module, or a combination of both as part of a computer device. Specifically, the device includes: a face image acquisition module 2202, a resource transfer interface display module 2204, and a resource transfer processing module 2206, wherein:

[0142] The face image acquisition module 2202 is used to acquire the face image corresponding to the resource transfer user to be transferred in response to the resource transfer trigger event;

[0143] The resource transfer interface display module 2204 is used to display the resource transfer interface that blocks the face recognition resource transfer method when it is determined from the face image that the resource transfer user belongs to the preset face type of the blocked face recognition resource transfer method. The face corresponding to the preset face type has face recognition deviation.

[0144] The resource transfer processing module 2206 is used to transfer resources from the resource account corresponding to the resource transfer user through the target resource transfer method corresponding to the resource transfer interface.

[0145] In one embodiment, the resource transfer interface display module 2204 is further configured to display a resource transfer interface when it is determined from a face image that the user transferring the resource belongs to a preset face type that blocks the face recognition resource transfer method, and to display a set of candidate resource transfer methods that block the face recognition resource transfer method on the resource transfer interface; the resource transfer device 2200 further includes a candidate method selection module, configured to respond to a selection operation on a candidate resource transfer method in the set of candidate resource transfer methods, and to use the candidate resource transfer method selected by the selection operation as the target resource transfer method.

[0146] In one embodiment, the system further includes a blocking prompt module and a blocking unblocking module; wherein: the blocking prompt module is used to display blocking prompt information on the resource transfer interface; the blocking unblocking module is used to unblock the face recognition resource transfer method in response to the triggering operation of the blocking prompt information.

[0147] In one embodiment, the face image acquisition module 2202 includes a light adjustment module and an image acquisition module; wherein: the light adjustment module is used to trigger a light adjustment command corresponding to the face type recognition in response to a resource transfer trigger event, so that the light adjustment device performs light adjustment in response to the light adjustment command; the image acquisition module is used to acquire a face image when it is determined that the light adjustment device has completed the light adjustment, so as to obtain the face image corresponding to the resource transfer user to be transferred.

[0148] In one embodiment, the system further includes a standard interface display module and a face recognition resource transfer module; wherein: the standard interface display module is used to display a standard resource transfer interface without masking the face recognition resource transfer method when it is determined from the face image that the resource transfer user belongs to a non-preset face type; the face recognition resource transfer module is used to receive a selection operation for the face recognition resource transfer method through the standard resource transfer interface, and in response to the selection operation, transfer resources from the resource account corresponding to the resource transfer user through the face recognition resource transfer method.

[0149] In one embodiment, such as Figure 16 As shown, a resource transfer device 2300 is provided. This device can be a software module, a hardware module, or a combination of both as part of a computer device. Specifically, the device includes: a face image acquisition module 2302, a face type recognition module 2304, and a transfer method masking module 2306, wherein:

[0150] The face image acquisition module 2302 is used to acquire the face image corresponding to the resource transfer user to be transferred.

[0151] The face type recognition module 2304 is used to perform face type recognition on face images to obtain the recognized face type;

[0152] The transfer method blocking module 2306 is used to compare the recognized face type with the preset face type. When the comparison result is consistent, it sends transfer method blocking information to the resource transfer terminal so that the resource transfer terminal displays a resource transfer interface that blocks the face recognition resource transfer method. Then, the resource transfer is carried out from the resource account corresponding to the resource transfer user through the target resource transfer method corresponding to the resource transfer interface. The preset face type is the face type that blocks the face recognition resource transfer method.

[0153] Specific limitations regarding the resource transfer device can be found in the limitations of the resource transfer method described above, and will not be repeated here. Each module in the aforementioned resource transfer device can be implemented entirely or partially through software, hardware, or a combination thereof. These modules can be embedded in or independent of the processor in a computer device in hardware form, or stored in the memory of a computer device in software form, so that the processor can call and execute the operations corresponding to each module.

[0154] In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as follows: Figure 17 As shown, the computer device includes a processor, memory, and a network interface connected via a system bus. The processor provides computing and control capabilities. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs stored in the non-volatile storage media. The database stores data. The network interface communicates with external terminals via a network connection. When the computer program is executed by the processor, it implements a resource transfer method.

[0155] In one embodiment, a computer device is provided, which may be a terminal, and its internal structure diagram may be as follows: Figure 18As shown, the computer device includes a processor, memory, communication interface, display screen, and input devices connected via a system bus. The processor provides computing and control capabilities. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system and computer programs. The internal memory provides an environment for the operation of the operating system and computer programs stored in the non-volatile storage media. The communication interface is used for wired or wireless communication with external terminals; wireless communication can be achieved through Wi-Fi, carrier networks, NFC (Near Field Communication), or other technologies. When the computer program is executed by the processor, it implements a resource transfer method. The display screen can be an LCD screen or an e-ink screen. The input devices can be a touch layer covering the display screen, buttons, a trackball, or a touchpad mounted on the computer device casing, or an external keyboard, touchpad, or mouse.

[0156] Those skilled in the art will understand that Figure 17 and Figure 18 The structure shown is merely a block diagram of a portion of the structure related to the present application and does not constitute a limitation on the computer device to which the present application is applied. Specific computer devices may include more or fewer components than those shown in the figure, or combine certain components, or have different component arrangements.

[0157] In one embodiment, a computer device is also provided, including a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program to implement the steps in the above method embodiments.

[0158] In one embodiment, a computer-readable storage medium is provided storing a computer program that, when executed by a processor, implements the steps in the above method embodiments.

[0159] In one embodiment, a computer program product or computer program is provided, the computer program product or computer program including 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 in the above method embodiments.

[0160] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, data stored, data displayed, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of the relevant data shall comply with the relevant laws, regulations and standards of the relevant countries and regions.

[0161] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. The computer program can be stored in a non-volatile computer-readable storage medium, and when executed, it can include the processes of the embodiments of the methods described above. Any references to memory, storage, databases, or other media used in the embodiments provided in this application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, or optical storage, etc. Volatile memory can include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM), etc.

[0162] The technical features of the above embodiments can be combined in any way. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0163] The embodiments described above are merely illustrative of several implementation methods of this application, and while the descriptions are relatively specific and detailed, they should not be construed as limiting the scope of the invention patent. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of this application, and these all fall within the protection scope of this application. Therefore, the protection scope of this patent application should be determined by the appended claims.

Claims

1. A resource transfer method, characterized in that, The method includes: In response to a resource transfer trigger event, when the current lighting environment meets the lighting adjustment conditions, a lighting adjustment command corresponding to the face type recognition is triggered, so that the lighting adjustment device responds to the lighting adjustment command to perform lighting adjustment; When it is determined that the light adjustment device has completed the light adjustment, a face image is captured to obtain the face image corresponding to the resource transfer user to be transferred. When the comparison result between the face type of the resource transfer user determined based on the face image and the preset face type is consistent, it is determined that the face type of the resource transfer user belongs to the preset face type that blocks the face recognition resource transfer method. The resource transfer interface is then displayed, showing a set of candidate resource transfer methods that block the face recognition resource transfer method. The face corresponding to the preset face type has a face recognition deviation relative to the face corresponding to a non-preset face type. The preset face type meets the recognition deviation condition, which includes at least one of the following: face recognition accuracy is lower than an accuracy threshold and accuracy ranking is after a preset ranking. The set of candidate resource transfer methods includes candidate resource transfer methods, but does not include face recognition resource transfer methods. In response to the selection operation of the candidate resource transfer method in the set of candidate resource transfer methods, the candidate resource transfer method selected by the selection operation is taken as the target resource transfer method, and the resource is transferred from the resource account corresponding to the resource transfer user through the target resource transfer method; A blocking prompt message is displayed on the resource transfer interface, which indicates that the face recognition resource transfer method has been blocked; In response to the triggering operation of the blocking prompt information, the blocking of the face recognition resource transfer method is lifted, so that the blocked face recognition resource transfer method is displayed in the resource transfer interface; In response to the triggering operation of the blocking prompt information, the face recognition resource transfer method that has been unblocked is re-blocked.

2. The method according to claim 1, characterized in that, The set of candidate resource transfer methods that block the face recognition resource transfer method displayed on the resource transfer interface includes: On the resource transfer interface, various candidate resource transfer methods from the set of candidate resource transfer methods that block the face recognition resource transfer method are displayed in a preset display manner.

3. The method according to claim 1, characterized in that, The response to the resource transfer trigger event, when the current lighting environment meets the lighting adjustment conditions, triggers the lighting adjustment command corresponding to the face type recognition, including: Perform object detection within a preset range to obtain object detection results; When the object detection result meets the resource transfer triggering condition, the resource transfer user to be transferred is determined; When it is determined that the light adjustment device has completed the light adjustment, facial image acquisition is performed to obtain the facial image corresponding to the user to be transferred, including: Once the light adjustment device has completed the light adjustment, the user transferring the resource is photographed to obtain a facial image corresponding to the user transferring the resource.

4. The method according to any one of claims 1 to 3, characterized in that, The method further includes: When the face type of the user transferring resources is determined to be a non-preset face type based on the face image, a standard resource transfer interface without masking the face recognition resource transfer method is displayed; The standard resource transfer interface receives a selection operation for the face recognition resource transfer method, and in response to the selection operation, resources are transferred from the resource account corresponding to the resource transfer user through the face recognition resource transfer method.

5. The method according to claim 4, characterized in that, The method further includes: Determine the recognition deviation conditions, which include at least one of the following: face recognition accuracy is lower than an accuracy threshold and accuracy ranking is after a preset ranking. The face types that meet the recognition deviation conditions are determined as the preset face types.

6. A resource transfer method, characterized in that, The method includes: Acquire the facial image corresponding to the user to be transferred; the facial image is obtained by the resource transfer terminal in response to the resource transfer trigger event, when the current lighting environment meets the lighting adjustment conditions, triggering the lighting adjustment command corresponding to the facial type recognition, so that the lighting adjustment device responds to the lighting adjustment command to adjust the lighting, and when it is determined that the lighting adjustment device has completed the lighting adjustment, the facial image is acquired. Perform face type recognition on the face image to obtain the identified face type; The identified face type is compared with a preset face type. When the comparison result is consistent, transfer method blocking information is sent to the resource transfer terminal, so that the resource transfer terminal displays a resource transfer interface. The resource transfer interface displays a set of candidate resource transfer methods that block the face recognition resource transfer method. In response to the selection operation of the candidate resource transfer method in the set of candidate resource transfer methods, the candidate resource transfer method selected by the selection operation is taken as the target resource transfer method. Through the target resource transfer method, resources are transferred from the resource account corresponding to the resource transfer user. The preset face type is the face type that blocks the face recognition resource transfer method. The face corresponding to the preset face type has a face recognition deviation compared to the face corresponding to the non-preset face type. The preset face type meets the recognition deviation condition, which includes at least one of the following: face recognition accuracy is lower than the accuracy threshold and accuracy ranking is after the preset ranking. The set of candidate resource transfer methods includes the candidate resource transfer method, but the candidate resource transfer method does not include the face recognition resource transfer method. The resource transfer terminal is further configured to display a blocking prompt message on the resource transfer interface, the blocking prompt message indicating that the face recognition resource transfer method has been blocked; in response to the triggering operation of the blocking prompt message, the blocking of the face recognition resource transfer method is lifted, so that the blocked face recognition resource transfer method is displayed on the resource transfer interface; in response to the triggering operation of the blocking prompt message, the unblocked face recognition resource transfer method is re-blocked.

7. The method according to claim 6, characterized in that, The step of performing face type recognition on the face image to obtain the identified face type includes: The face image is subjected to image quality detection to obtain the quality detection result; When the quality inspection result is "pass", liveness detection is performed based on the face image to obtain the liveness detection result; When the liveness detection result is successful, face type recognition is performed based on the face image to obtain the identified face type of the resource transfer user.

8. The method according to claim 7, characterized in that, When the quality inspection result is "passed", liveness detection is performed based on the face image to obtain a liveness detection result, including: When the quality inspection result is "passed", a liveness detection image is determined from the face image that passed the inspection. Liveness detection is performed based on the liveness detection image to obtain the liveness detection result.

9. A resource transfer device, characterized in that, The device includes: The face image acquisition module is used to respond to the resource transfer trigger event and, when the current lighting environment meets the lighting adjustment conditions, trigger the lighting adjustment command corresponding to the face type recognition, so that the lighting adjustment device responds to the lighting adjustment command to perform lighting adjustment; when it is determined that the lighting adjustment device has completed the lighting adjustment, face image acquisition is performed to obtain the face image corresponding to the resource transfer user to be transferred; The resource transfer interface display module is used to determine that the face type of the resource transfer user, determined based on the face image, matches a preset face type, thus indicating that the face type of the resource transfer user belongs to the preset face type that blocks the face recognition resource transfer method. The module then displays a set of candidate resource transfer methods that block the face recognition resource transfer method. The preset face type has a face recognition deviation relative to faces not corresponding to the preset face type. The preset face type meets a recognition deviation condition, which includes at least one of the following: face recognition accuracy is lower than an accuracy threshold, and accuracy ranking is after a preset ranking. The set of candidate resource transfer methods includes candidate resource transfer methods, but does not include face recognition resource transfer methods. The candidate method selection module is used to respond to the selection operation of the candidate resource transfer method in the set of candidate resource transfer methods, and to take the candidate resource transfer method selected by the selection operation as the target resource transfer method; The resource transfer processing module is used to transfer resources from the resource account corresponding to the resource transfer user through the target resource transfer method; The blocking prompt module is used to display blocking prompt information on the resource transfer interface. The blocking prompt information is used to indicate that the face recognition resource transfer method has been blocked. The unblocking module is used to unblock the face recognition resource transfer method in response to the triggering operation of the blocking prompt information, so as to display the blocked face recognition resource transfer method in the resource transfer interface; and to reblock the unblocked face recognition resource transfer method in response to the triggering operation of the blocking prompt information.

10. The apparatus according to claim 9, characterized in that, The resource transfer interface display module is also used to display, on the resource transfer interface, various candidate resource transfer methods from the set of candidate resource transfer methods that block the face recognition resource transfer method, according to a preset display method.

11. The apparatus according to claim 9, characterized in that, The face image acquisition module is also used to perform object detection within a preset range and obtain object detection results; when the object detection results meet the resource transfer triggering conditions, the resource transfer user to be transferred is determined; when the light adjustment device has completed the light adjustment, the resource transfer user is photographed to obtain the face image corresponding to the resource transfer user.

12. The apparatus according to any one of claims 9 to 11, characterized in that, The device further includes: The standard interface display module is used to display a standard resource transfer interface without masking the face recognition resource transfer method when the face type of the resource transfer user is determined to be a non-preset face type based on the face image. The face recognition resource transfer module is used to receive a selection operation for the face recognition resource transfer method through the standard resource transfer interface, and in response to the selection operation, transfer resources from the resource account corresponding to the resource transfer user through the face recognition resource transfer method.

13. The apparatus according to claim 12, characterized in that, The device is further configured to determine recognition deviation conditions, the recognition deviation conditions including at least one of face recognition accuracy being lower than an accuracy threshold and accuracy ranking being after a preset ranking; and to determine the face type that meets the recognition deviation conditions as the preset face type.

14. A resource transfer device, characterized in that, The device includes: The face image acquisition module is used to acquire the face image corresponding to the resource transfer user to be transferred; the face image is acquired by the resource transfer terminal in response to the resource transfer trigger event, when the current lighting environment meets the lighting adjustment conditions, triggering the lighting adjustment command corresponding to the face type recognition, so that the lighting adjustment device responds to the lighting adjustment command to adjust the lighting, and when it is determined that the lighting adjustment device has completed the lighting adjustment, the face image is acquired. A face type recognition module is used to perform face type recognition on the face image to obtain the recognized face type; The transfer method blocking module is used to compare the recognized face type with a preset face type. When the comparison result is consistent, it sends transfer method blocking information to the resource transfer terminal, so that the resource transfer terminal displays a resource transfer interface. The resource transfer interface displays a set of candidate resource transfer methods that block the face recognition resource transfer method. In response to the selection operation of the candidate resource transfer method set, the selected candidate resource transfer method is taken as the target resource transfer method. Through the target resource transfer method, resources are transferred from the resource account corresponding to the resource transfer user. The preset face type is the face type that blocks the face recognition resource transfer method. The face corresponding to the preset face type has a face recognition deviation compared to the face corresponding to the non-preset face type. The preset face type meets the recognition deviation condition, which includes at least one of the following: face recognition accuracy is lower than the accuracy threshold and accuracy ranking is after the preset ranking. The candidate resource transfer method set includes the candidate resource transfer methods, and the candidate resource transfer methods do not include the face recognition resource transfer method. The resource transfer terminal is further configured to display a blocking prompt message on the resource transfer interface, the blocking prompt message indicating that the face recognition resource transfer method has been blocked; in response to the triggering operation of the blocking prompt message, the blocking of the face recognition resource transfer method is lifted, so that the blocked face recognition resource transfer method is displayed on the resource transfer interface; in response to the triggering operation of the blocking prompt message, the unblocked face recognition resource transfer method is re-blocked.

15. The apparatus according to claim 14, characterized in that, The face type recognition module is further configured to perform image quality detection on the face image to obtain a quality detection result; when the quality detection result is a pass, perform liveness detection based on the face image to obtain a liveness detection result; when the liveness detection result is a pass, perform face type recognition based on the face image to obtain the recognized face type of the resource transfer user.

16. The apparatus according to claim 15, characterized in that, The face type recognition module is further configured to, when the quality detection result is a pass, determine a liveness detection image from the face image that has passed the detection; and perform liveness detection based on the liveness detection image to obtain a liveness detection result.

17. A computer device comprising a memory and a processor, wherein the memory stores a computer program, characterized in that, When the processor executes the computer program, it implements the steps of the method according to any one of claims 1 to 8.

18. A computer-readable storage medium storing a computer program, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 8.

19. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 8.

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