A method for transferring eigenvalues ​​and related devices

Abstract

The embodiment of the present application discloses a method for transferring characteristic values ​​and related devices, which mainly involve face recognition, deep learning, etc. in artificial intelligence, and obtain the identity information of the target user in the characteristic value transfer event. Based on the identity information, the identity of the target user can be clarified, and the first account of the target user in the target platform can be determined. After determining the first account, in order to improve the completion speed of this characteristic value transfer event, the target platform will replace the target user, and in this characteristic value transfer event, the target characteristic value will be transferred to the second account through the platform account. Since the credibility of the target platform is much higher than that of a single user, the transfer success prompt that the characteristic value transfer event has been completed can be directly displayed after obtaining the characteristic value transfer confirmation information, without waiting for confirmation that the target characteristic value has been transferred to the second account. In this way, the characteristic value transfer event can be completed quickly, reducing the waiting time of the target user in this characteristic value transfer.

Description

Technical Field

[0001] The present application relates to the field of data processing, and in particular to a method for transferring eigenvalues ​​and related devices. Background Art

[0002] Terminal-based payment technology is currently very common. When users go out shopping, they do not need to carry paper money. They can complete the payment directly by scanning the code with their mobile phone at the merchant.

[0003] During the payment process, the user can click to confirm the payment through the terminal, and then wait for the bank to process the deduction process at the merchant. After a payment success prompt pops up confirming that the pending payment has been transferred from the user account to the merchant account, the user can leave the merchant with the purchased items.

[0004] However, since the payment success prompt is the basis for marking the completion of the payment behavior, the user needs to wait for a while after confirming the payment before the merchant who receives the payment success prompt allows the user to leave. The long payment process affects the user's payment experience. Summary of the Invention

[0005] In order to solve the above technical problems, the present application provides a characteristic value transfer method and related devices, which reduce the waiting time of the target user during the payment process.

[0006] The embodiments of this application disclose the following technical solutions:

[0007] In one aspect, an embodiment of the present application provides a method for transferring an eigenvalue, the method comprising:

[0008] Obtaining identity information of a target user in a feature value transfer event, wherein the target user is a user whose feature value is to be transferred out in the feature value transfer event;

[0009] Determining a first account of the target user in a target platform, where the first account is obtained based on the identity information;

[0010] Obtaining characteristic value transfer confirmation information for the first account;

[0011] A transfer success prompt is displayed according to the characteristic value transfer confirmation information, and characteristic value transfer information is sent. The characteristic value transfer information is used to indicate the transfer of the target characteristic value corresponding to the characteristic value transfer event to the second account through the platform account of the target platform. The second account is the account for the characteristic value to be obtained in the characteristic value transfer event.

[0012] On the other hand, an embodiment of the present application provides a method for transferring an eigenvalue, the method comprising:

[0013] Obtaining characteristic value transfer information for a characteristic value transfer event, where the characteristic value transfer information is generated by a target user through a terminal device, and is used to identify a target characteristic value and a second account corresponding to the characteristic value transfer event. The target user is the user whose characteristic value is to be transferred out in the characteristic value transfer event, and the second account is the account whose characteristic value is to be obtained in the characteristic value transfer event;

[0014] The target feature value is transferred to the second account through a platform account of a target platform, where the target platform includes the first account of the target user.

[0015] On the other hand, an embodiment of the present application provides a feature value transfer device, the device including an acquisition unit, a determination unit, and a sending unit:

[0016] The acquisition unit is configured to acquire identity information of a target user in a feature value transfer event, wherein the target user is a user whose feature value is to be transferred out in the feature value transfer event;

[0017] The determining unit is configured to determine a first account of the target user in the target platform, where the first account is obtained based on the identity information;

[0018] The acquiring unit is further configured to acquire characteristic value transfer confirmation information for the first account;

[0019] The sending unit is used to display a transfer success prompt based on the characteristic value transfer confirmation information and send characteristic value transfer information, wherein the characteristic value transfer information is used to indicate the transfer of the target characteristic value corresponding to the characteristic value transfer event to the second account through the platform account of the target platform, and the second account is the account for the characteristic value to be obtained in the characteristic value transfer event.

[0020] In a possible implementation, the device further includes a transfer unit:

[0021] The transfer unit is used to obtain a transfer prompt for the characteristic value transfer event after sending the characteristic value transfer information, and the transfer prompt is used to instruct the target user to transfer the target characteristic value to the platform account; and transfer the target characteristic value to the platform account through the first account.

[0022] In a possible implementation, the acquisition unit is configured to acquire a face recognition request for the feature value transfer event; and acquire identity information of the target user based on the captured image.

[0023] In one possible implementation, the determination unit is used to display an identity authentication interface for inputting an identity identifier if multiple users are determined through the identity information, or if it is determined that the target user includes multiple accounts on the target platform; obtain the identity identifier of the target user through the identity authentication interface; and determine the first account of the target user on the target platform based on the identity identifier.

[0024] In one possible implementation, the acquisition unit is configured to display a transfer confirmation interface for the characteristic value transfer event, the transfer confirmation interface including a characteristic value transfer confirmation prompt corresponding to the first account; and obtain characteristic value transfer confirmation information for the first account through the characteristic value transfer confirmation prompt. On the other hand, an embodiment of the present application provides a characteristic value transfer device, the device including an acquisition unit and a transfer unit:

[0025] The acquisition unit is configured to acquire characteristic value transfer information for a characteristic value transfer event, the characteristic value transfer information being generated by a target user via a terminal device, the characteristic value transfer information being used to identify a target characteristic value and a second account corresponding to the characteristic value transfer event, the target user being the user whose characteristic value is to be transferred out in the characteristic value transfer event, and the second account being the account whose characteristic value is to be acquired in the characteristic value transfer event;

[0026] The transfer unit is configured to transfer the target feature value to the second account via a platform account of a target platform, where the target platform includes the first account of the target user.

[0027] In a possible implementation, the characteristic value transfer information carries a transfer identifier of the first account corresponding to the characteristic value transfer event, and the apparatus further includes a determining unit:

[0028] The determining unit is configured to determine the target feature value and the second account according to the transfer identifier.

[0029] In one possible implementation, the acquisition unit is further used to obtain the identity information of the target user in the characteristic value transfer event from the terminal device before obtaining the characteristic value transfer information for the characteristic value transfer event; determine the first account of the target user on the target platform based on the identity information; and return the first account of the target user on the target platform to the terminal device.

[0030] In a possible implementation, the transfer unit is configured to initiate a transfer operation for the target feature value to a first account of the target user in the target platform; and transfer the target feature value from the first account to the platform account through the transfer operation.

[0031] In a possible implementation, the apparatus further includes a sending unit:

[0032] The sending unit is configured to send a transfer prompt for the feature value transfer event to the target user if the target feature value is not transferred from the first account to the platform account through the transfer operation, wherein the transfer prompt is used to instruct the target user to transfer the target feature value to the platform account;

[0033] The acquisition unit is further configured to acquire the target feature value transferred from the first account to the platform account.

[0034] On the other hand, an embodiment of the present application provides a feature value transfer system, the system including a terminal device and a server:

[0035] The terminal device is used to obtain the identity information of the target user in the characteristic value transfer event, where the target user is the user whose characteristic value is to be transferred out in the characteristic value transfer event;

[0036] The terminal device is further configured to determine a first account of the target user in the target platform, where the first account is obtained based on the identity information;

[0037] The terminal device is further configured to obtain characteristic value transfer confirmation information for the first account;

[0038] The terminal device is further configured to display a transfer success prompt according to the characteristic value transfer confirmation information, and send characteristic value transfer information to the server;

[0039] The server is configured to obtain the characteristic value transfer information sent by the terminal device;

[0040] The server is further configured to transfer the target characteristic value to the second account via the platform account of the target platform.

[0041] On the other hand, an embodiment of the present application provides a computer device, the computer device including a processor and a memory:

[0042] The memory is used to store program code and transmit the program code to the processor;

[0043] The processor is configured to execute the method described above according to the instructions in the program code.

[0044] On the other hand, an embodiment of the present application provides a computer-readable storage medium, which is used to store a computer program, and the computer program is used to execute the method described in the above aspects.

[0045] In another aspect, embodiments of the present application provide a computer program product or computer program, which includes computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium and executes the computer instructions, causing the computer device to perform the method described in the above aspects.

[0046] It can be seen from the above technical solution that the identity information of the target user in the characteristic value transfer event is obtained, and the characteristic value transfer event is used to identify the target user, that is, the characteristic value transfer behavior of the user to transfer the characteristic value to the second account. Based on the identity information, the identity of the target user can be clarified, and the first account of the target user in the target platform can be determined. After determining the first account, in order to increase the completion speed of this characteristic value transfer event, the target platform will replace the target user, and in this characteristic value transfer event, the target characteristic value will be transferred to the second account through the platform account. Since the credibility of the target platform is much higher than that of a single user, the transfer success prompt that the characteristic value transfer event has been completed can be directly displayed after obtaining the characteristic value transfer confirmation information, without waiting for confirmation that the target characteristic value has been transferred to the second account. In this way, the characteristic value transfer event can be completed quickly, reducing the waiting time of the target user in this characteristic value transfer. BRIEF DESCRIPTION OF THE DRAWINGS

[0047] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0048] Figure 1 A schematic diagram of an application scenario of a eigenvalue transfer method provided in an embodiment of the present application;

[0049] Figure 2 A flow chart of a method for transferring characteristic values ​​provided in an embodiment of the present application;

[0050] Figure 3 A schematic diagram of an interface of another eigenvalue transfer method provided in an embodiment of the present application;

[0051] Figure 4 A schematic diagram of the interface of a characteristic value transfer method provided in this application;

[0052] Figure 5 A flowchart of another eigenvalue transfer method provided in an embodiment of the present application;

[0053] Figure 6A schematic diagram of the structure of a characteristic value transfer device provided in an embodiment of the present application;

[0054] Figure 7 A schematic structural diagram of another eigenvalue transfer device provided in an embodiment of the present application;

[0055] Figure 8 A schematic diagram of the structure of the server provided in the embodiment of the present application;

[0056] Figure 9 A schematic diagram of the structure of the terminal device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0057] The embodiments of the present application are described below with reference to the accompanying drawings.

[0058] Typically, trust between users and merchants is low. After confirming payment, users must wait to see if the feature value in their account has been successfully transferred to the merchant's account. Only after confirming the successful transfer can they leave the account. However, transferring feature values ​​between user and merchant accounts typically requires processing through multiple systems, including the merchant's cash register system, payment platform, and UnionPay settlement services. This is time-consuming, requiring users to wait for 3 to 7 seconds, resulting in a poor user experience.

[0059] To this end, the present application provides a characteristic value transfer method and related devices, which shorten the user's waiting time and improve the user's payment experience.

[0060] The eigenvalue transfer method provided in the embodiment of the present application is based on artificial intelligence. Artificial Intelligence (AI) is a theory, method, technology and application system that uses digital computers or machines controlled by digital computers to simulate, extend and expand human intelligence, perceive the environment, acquire knowledge and use knowledge to obtain the best results. In other words, artificial intelligence is a comprehensive technology in computer science that attempts to understand the essence of intelligence and produce a new type of intelligent machine that can respond in a similar way to human intelligence. Artificial intelligence is to study the design principles and implementation methods of various intelligent machines so that machines have the functions of perception, reasoning and decision-making.

[0061] Artificial intelligence (AI) technology is a comprehensive discipline encompassing a wide range of fields, encompassing both hardware and software technologies. Foundational AI technologies generally include sensors, specialized AI chips, cloud computing, distributed storage, big data processing, operating / interaction systems, and mechatronics. AI software technologies primarily encompass computer vision, speech processing, natural language processing, and machine learning / deep learning.

[0062] In the embodiments of this application, the main artificial intelligence software technologies involved include the above-mentioned computer vision technology, machine learning / deep learning, etc. For example, it can involve image processing (Image Processing), image semantic understanding (ISU), face recognition (face recognition), etc. in computer vision. For example, it can involve deep learning (Deep Learning) in machine learning (ML), including various types of artificial neural networks (ANN).

[0063] The characteristic value transfer method provided in the embodiment of the present application can be applied to a characteristic value transfer device with data processing capabilities, such as a terminal device or a server. The method can be executed independently by the terminal device or by the server. It can also be applied to a network scenario in which the terminal device and the server communicate, and is executed by the terminal device and the server in cooperation. Among them, the terminal device can be a mobile phone, a desktop computer, a portable computer, etc.; the server can be understood as an application server or a web server. In actual deployment, the server can be an independent server or a cluster server. In this application, the embodiment of the present application is introduced with the terminal device as the characteristic value transfer device.

[0064] This feature value transfer device can implement computer vision technology, which studies how machines can "see." Specifically, it refers to using cameras and computers to replace the human eye in object identification, tracking, and measurement. Further image processing is performed to transform the computer-generated image into an image more suitable for human observation or transmission to instrumentation. As a scientific discipline, computer vision studies related theories and technologies, aiming to build artificial intelligence systems that can extract information from images or multidimensional data. Computer vision technologies generally include image processing, image recognition, image semantic understanding, image retrieval, text recognition (OCR), video processing, video semantic understanding, video content / behavior recognition, three-dimensional object reconstruction, 3D technology, virtual reality, augmented reality, simultaneous localization and mapping, and common biometric recognition technologies such as facial recognition and fingerprint recognition.

[0065] In an embodiment of the present application, the feature value transfer device can perform facial recognition on the target user through computer vision technology.

[0066] This eigenvalue transfer device can possess machine learning capabilities. Machine learning is a multidisciplinary field that encompasses probability theory, statistics, approximation theory, convex analysis, and algorithmic complexity theory. It specifically studies how computers can simulate or implement human learning behaviors 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 make computers intelligent. Its applications span all areas of artificial intelligence. Machine learning and deep learning typically include technologies such as artificial neural networks.

[0067] The feature value transfer method provided in the embodiments of the present application mainly involves the application of various artificial neural networks to achieve face recognition of the target user.

[0068] For ease of understanding, the eigenvalue transfer method provided in the embodiment of the present application is introduced below in conjunction with specific application scenarios.

[0069] See also Figure 1 , Figure 1 A schematic diagram of an application scenario of a feature value transfer method provided in an embodiment of the present application. Figure 1 The scenario shown includes a terminal device 101 and a target platform-side server 102. The terminal device 101 is configured to execute the feature value transfer method provided in the embodiment of the present application.

[0070] exist Figure 1 In the example, the characteristic value transfer event involves the target user, Xiao Ming, transferring a target characteristic value of 3 yuan to a supermarket's second account to purchase mineral water from his first account on the target platform. The target user is the platform providing the characteristic value transfer service, the first account is the account from which the target characteristic value is transferred, and the second account is the account from which the target characteristic value is obtained.

[0071] Before transferring the feature value, the identity of the target user needs to be clarified. Therefore, the terminal device 101 first obtains the identity information of the target user, which refers to information with user identification, including but not limited to facial image, fingerprint or phone number. Figure 1 The terminal device 101 collects Xiao Ming's facial image through a camera.

[0072] Then, the terminal device 101 sends Xiao Ming's face image to the server 102, so that the server 102 can determine Xiao Ming's first account in the target platform based on the face image and return it to the terminal device 101. Based on this, the terminal device 101 shows Xiao Ming the first account and obtains Xiao Ming's feature value transfer confirmation information for the first account. Figure 1 In the example, if Xiao Ming confirms that the first account is correct, he can click the confirm payment button provided by the terminal device 101 to trigger the characteristic value transfer process.

[0073] In view of the fact that in the related art, the prompt of successful characteristic value transfer will be displayed only after the process of transferring the characteristic value from the first account of the target user to the second account is completed, and the waiting time is long, in the embodiment of the present application, since it is determined that Xiao Ming has a first account in the target platform, it is possible to use the platform account of the target platform for Xiao Ming to pay for the mineral water. By establishing a platform account with sufficient characteristic values ​​in the target platform, the platform account replaces the first account in the characteristic value transfer event, and the characteristic value is transferred to the second account, and then the characteristic value is transferred from the first account to the platform account.

[0074] like Figure 1 In the scenario shown, after the terminal device 101 obtains the characteristic value transfer confirmation information, it sends the characteristic value transfer information to the server 102, so that the server 102 instructs the platform account to transfer 3 yuan to the second account. Since the credibility of the platform is higher than that of a single user, and the platform account has sufficient characteristic values ​​stored, it is generally unlikely that the characteristic value transfer abnormality will occur. Therefore, after obtaining the characteristic value transfer confirmation information, the characteristic value transfer success prompt can be directly displayed without waiting for confirmation that the characteristic value has been successfully transferred to the second account. In other words, Figure 1 After the terminal device 101 obtains the characteristic value transfer confirmation information, it can display a payment success prompt to prompt that the mineral water transaction has been completed. Xiao Ming can then take the mineral water and leave the supermarket without waiting.

[0075] Since the terminal device directly displays the prompt of successful characteristic value transfer after obtaining the characteristic value transfer confirmation information, there is no need to wait for confirmation that the target characteristic value is successfully transferred to the second account, which shortens the user's waiting time in the characteristic value transfer event and improves the user experience.

[0076] For better understanding, the following describes the feature value transfer method provided in the embodiment of the present application using a system in which a terminal device and a server on the target platform cooperate to execute the system as an example. In the embodiment of the present application, the terminal device can be a terminal device used by the target user, such as a mobile phone, smart watch, etc., or a terminal device corresponding to a second account, that is, a terminal device used by a merchant, such as a cash register.

[0077] See also Figure 2 , Figure 2 A flow chart of a characteristic value transfer method provided in an embodiment of the present application. Figure 2 As shown, the eigenvalue transfer method includes the following steps:

[0078] S201: The terminal device obtains the identity information of the target user in the feature value transfer event.

[0079] The characteristic value transfer event is used to identify the behavior of the target user transferring the target characteristic value to the second account. Alternatively, the characteristic value transfer event can also be understood as a transaction in which a characteristic value transfer occurs, such as an event in which a buyer pays a seller to purchase a product. Among them, the target user is the user from whom the characteristic value is to be transferred in the characteristic value transfer event, and the second account is the account from which the characteristic value is to be obtained in the characteristic value transfer event. The characteristic value in this example is data with monetary attributes provided to users by the target platform through network services (such as application software), such as electronic currency, which can be used for monetary storage and quick payment. The target characteristic value is the data that needs to be transferred to purchase goods in the characteristic value transfer event. For the sake of convenience of description, the following is an introduction to the scenario in which the target user uses the social software provided by the target platform to transfer the target characteristic value to the second account.

[0080] Take the example of the target user Xiao Wang buying a loaf of bread priced at 9.9 yuan at a convenience store. In this scenario, the characteristic value transfer event is Xiao Wang's behavior of paying 9.9 yuan to the convenience store. Xiao Wang is the user to transfer 9.9 yuan in this characteristic value transfer event. The second account can be the cash register system that collects 9.9 yuan at the convenience store. The target characteristic value is 9.9 yuan.

[0081] It should be noted that the characteristic value transfer event described in this application is the transfer of the target characteristic value from the target user to the second account. In the implementation process, the target platform that provides the characteristic value transfer service acts as a third party, first transferring the target characteristic value to the second account through the platform account of the target platform, and then the target user transfers the target characteristic value to the platform account. In order to protect the effective rights and interests of the target platform, before transferring the target characteristic value to the second account, it is necessary to determine the effective identity of the target user in the target platform to establish trust between the target platform and the target user.

[0082] During the actual payment process through the target platform, an electronic scanning device can be used to scan the graphic code of the product selected by the target user. After clicking to pay, an identity acquisition request for this feature value transfer event is generated, and the identity information of the target user is obtained based on the identity acquisition request.

[0083] The above-mentioned identity information refers to information with user identification, or information that can uniquely identify the user's identity, including but not limited to facial images, fingerprints, telephone numbers, or the target account used by the target user to log in to the social software.

[0084] For example, the terminal device uses a camera to capture the target user's facial image, or uses a fingerprint capture device to capture the target user's fingerprint, or provides a user-facing display screen to obtain the target user's phone number, or the terminal device reads the above-mentioned target account provided by the target user, etc.

[0085] For better understanding, the following describes how the terminal device acquires the target user's identity information in a feature value transfer event, with reference to the accompanying drawings, taking the terminal device collecting the target user's facial image as an example.

[0086] The terminal device first obtains a face recognition request for the feature value transfer event, and then obtains the identity information of the target user based on the image collected of the target user, that is, the face image of the target user obtained by the terminal device is used as the target user identity information to determine the identity of the target user in the target platform.

[0087] In actual applications, after the terminal device receives a face recognition request, it can display a prompt to collect a face image to the target user. Then, the terminal device takes a face image of the target user and displays it in real time, so as to collect a high-quality face image as the identity information of the target user.

[0088] In an embodiment of the present application, the terminal device can be a terminal device used by the target user, or it can be a terminal device corresponding to the second account. In order to better understand the application process of the feature value transfer method provided in the embodiment of the present application in these two scenarios, the following is introduced with reference to the accompanying drawings, taking the scenario of Xiao Wang buying a 9.9 yuan bread in a convenience store as an example.

[0089] In the scenario where the terminal device is a mobile phone used by Xiao Wang, Xiao Wang can use the social software provided by the target platform on his mobile phone to obtain the pending payment order for the bread. For example, Xiao Wang uses the social software's code scanning function to scan the QR code for payment provided by the convenience store, or the convenience store uses an electronic scanning device to scan Xiao Wang's QR code in the social software. Taking the above scenario of obtaining a facial image to verify the user's identity as an example, the mobile phone displays a face recognition request for face payment to Xiao Wang based on the pending payment order of 9.9 yuan, such as Figure 3 As shown in 301 in the display interface. After Xiao Wang clicks the "Face Pay" button in the display interface 301, the mobile phone uses the camera to collect Xiao Wang's facial image as Xiao Wang's identity information, which is used to determine Xiao Wang's first account in the target platform. During this process, the mobile phone can show Xiao Wang the collected facial image in real time, as shown in Figure 3 As shown in 302 in the figure, a higher facial image can be collected.

[0090] Similarly, taking the use of facial images to verify Xiao Wang's identity as an example, in a scenario where the terminal device is a cash register device used in a convenience store, the convenience store clerk or Xiao Wang uses an electronic scanning device to scan the bread selected by Xiao Wang to generate a 9.9 yuan order to be paid. The cash register device can then make a facial recognition request for Xiao Wang to purchase bread based on the order to be paid. In actual applications, the cash register device can display a "face payment" interface to Xiao Wang through a facial collection device (such as a display screen equipped with a camera) and request to collect Xiao Wang's facial image, that is, Figure 3As shown in 301, a "Face Pay" button is included to enable the face pay function. The cash register device obtains Xiao Wang's facial image through the face collection device and uses it as Xiao Wang's identity information to determine Xiao Wang's first account in the target platform. During the face image collection process, the face collection device can also display Xiao Wang's collected face image in real time, that is, Figure 3 In the display interface 302 shown, a higher quality facial image is captured.

[0091] The above-mentioned acquisition of the target user's facial image provides information basis for verifying the target user's identity in the target platform, so that the target user can establish a connection with the target platform, thereby providing a guarantee for subsequently replacing the target user through the target platform, that is, using the platform account to transfer the feature value to the second account.

[0092] Comparing the above two application scenarios, it can be seen that in the application scenario where the terminal device is the terminal device corresponding to the second account (i.e. the above-mentioned cash register device), compared to the application scenario where the terminal device is the terminal device used by the target user (i.e. the above-mentioned mobile phone), the target user does not need to carry the terminal device himself to complete the characteristic value transfer event. This realizes the transition from the user carrying the terminal device to make payment to the user not needing to carry the terminal device to make payment, providing users with a simpler and more convenient payment method, and further improving the user's payment experience.

[0093] The above-mentioned feature value transfer method provided in the embodiment of the present application is introduced using identity information as a facial image. In actual applications, other forms of identity information such as fingerprints and phone numbers of the target user can also be obtained based on the feature value transfer event, which will not be repeated here.

[0094] S202: The terminal device determines the first account of the target user in the target platform.

[0095] Based on the above S201, after the terminal device obtains the identity information of the target user, it can determine the first account of the target user on the target platform based on the identity information. In the feature value transfer event, the first account is the account from which the feature value is to be transferred, and is also the account where the target user stores the feature value on the target platform. The first account can be the target user's e-wallet in the social software. The target user can transfer the balance in the bank account to the first account for transactions, such as purchasing goods, paying water and electricity bills, transferring money, etc. For example, Xiao Wang has 20 yuan stored in the e-wallet in the social software provided by the target platform, that is, the balance of the first account is 20 yuan.

[0096] For the two scenarios where the terminal device is the terminal device used by the target user, or the terminal device is the terminal device corresponding to the second account, the specific implementation process of determining the first account of the target user is as follows:

[0097] In the scenario where the terminal device is a terminal device used by the target user, the terminal device can use the identity information to determine the first account in the target platform. Figure 3 In the application scenario shown, Xiao Wang uses the social software provided by the target platform to collect Xiao Wang's facial image through his mobile phone. The facial image is used to determine that the user using the mobile phone is indeed Xiao Wang, and Xiao Wang's first account in the target platform is determined to be "It's Xiao Wang". In the application process, the mobile phone can show Xiao Wang the determined first account "It's Xiao Wang". Figure 3 As shown in 303 in, in order to confirm whether the first account is correct.

[0098] In the scenario where the terminal device is the terminal device corresponding to the second account, after obtaining the identity information of the target user, the terminal device can send the identity information to the server. The server determines the first account of the target user on the target platform based on the identity information and returns it to the terminal device, thereby the terminal device determines the first account of the target user on the target platform.

[0099] When using the identity information to determine the target user's primary account, the server can match the identity information with user information in the database, first determining the target user's identity, and then determining the target user's primary account on the target platform based on the target user's identity. In actual applications, the user with the highest matching score is determined as the target user, and the terminal device can display the primary account returned by the server to the target user to confirm the correctness of the primary account identification result.

[0100] exist Figure 3 In the scenario shown in FIG. 14 , where Xiao Wang buys bread, the cash register sends the collected facial image of Xiao Wang to the server. The server then matches the facial image with facial images in the facial image database, identifies the user with the highest matching degree as Xiao Wang, and determines Xiao Wang’s first account in the target platform as “Xiao Wang.” Figure 3 As shown in 303 , the cash register device displays the first account “It’s Xiao Wang” returned by the server to Xiao Wang, so that Xiao Wang can confirm whether the first account “It’s Xiao Wang” is consistent with his account in the social software.

[0101] The above-mentioned use of identity information to determine the first account of the target user in the target platform indicates that the target user is the service object of the characteristic value transfer service provided by the target platform. Based on this, it becomes possible to use the platform account of the target platform instead of the first account of the target user to transfer the target characteristic value to the second account.

[0102] Based on the above, it can be known that the terminal device or server can be used to determine the target user's first account on the target platform based on identity information. In actual applications, the corresponding processing flow can be set according to different application scenarios. There is no restriction on whether the user chooses to use the terminal device he carries with him to make payment or use the terminal device corresponding to the second account to make payment.

[0103] It is understandable that when using identity information with physical characteristics of the target user (such as facial image, fingerprint information, etc.) to determine the first account of the target user, there may be situations where the target user or the first account of the target user cannot be uniquely determined.

[0104] For example, in one possible case, identity information is used to determine the target user, and the matching results include multiple users with high and similar matching degrees. That is, the recognition accuracy of using identity information to identify the target user is low. In this case, additional information is needed to uniquely determine the target user's first account in the target platform.

[0105] In another possible scenario, the target user has multiple accounts for logging into the social software provided by the target platform. In this case, even if the server identifies the target user based on the identity information, the target user has multiple accounts, and it is still impossible to uniquely determine the target user's first account for this feature value transfer event. Therefore, additional information is required to determine which account of the target user is used for the feature value transfer.

[0106] In view of the above, for the situation where the first account cannot be uniquely determined using identity information with external characteristics of the target user, an embodiment of the present application provides a possible implementation method, namely, the terminal device displays an identity authentication interface for inputting an identity identifier to the target user, and then obtains the identity identifier entered by the target user through the identity authentication interface, and determines the first account of the target user in the target platform based on the identity identifier.

[0107] The identity authentication interface is used to instruct the user to enter information that identifies the target user. The identity identifier is used to identify the target user, including but not limited to an ID number, phone number, or an account or graphic code used by the target user in the social software provided by the target platform.

[0108] In actual applications, if the server performs identity matching based on the identity information and obtains two or more users with a matching degree exceeding a preset threshold (e.g., a threshold of 95%), or if the server determines based on the identity information that the target user has two or more accounts on the target platform, the server sends an identity authentication instruction to the terminal device. Based on the identity authentication instruction sent by the server, the terminal device displays an identity authentication interface for the target user to input an identity identifier, so as to determine the first account of the target user for the feature value transfer event based on the identity identifier.

[0109] exist Figure 3 In the scenario shown, if Xiao Wang is wearing a mask, the facial image of Xiao Wang captured by the terminal device contains fewer facial features. Based on this facial image, the server matches three similar users with high matching scores, such as Xiao Li, Xiao Wang, and Xiao Sun. This means that the server cannot uniquely determine that Xiao Wang is the target user in this feature value transfer event. In this case, the server sends an identity verification instruction to the cash register, which, based on the identity verification instruction, displays an identity verification interface for Xiao Wang to enter a phone number. After Xiao Wang enters the phone number associated with the first account through the terminal device, the terminal device sends the phone number to the server. Based on the phone number, the server determines that Xiao Wang is the target user and identifies Xiao Wang's first account on the target platform as "Xiao Wang."

[0110] By obtaining the identity of the target user, the above additional information is added to determine the first account of the target user in the target platform, which improves the accuracy of determining the first account of the target user in the characteristic value transfer event and improves the reliability of the target platform in providing characteristic value transfer services to the target user.

[0111] It should be noted that the above is only a possible implementation method provided in the embodiment of the present application. In actual applications, the specific implementation method for determining the first account of the target user can be set according to the actual scenario, and no limitation is made here.

[0112] S203: The terminal device obtains characteristic value transfer confirmation information for the first account.

[0113] After the server determines the first account of the target user in the target platform, it returns it to the terminal device. The terminal device can display the first account to the target user so that the target user can confirm whether it is his first account in the target platform and whether to trigger the characteristic value transfer, and confirm whether the information included in this characteristic value transfer event is correct, such as the second account for which the characteristic value is to be obtained and the target characteristic value. If the target user confirms that the first account is correct and confirms the payment, that is, the characteristic value transfer is triggered, the terminal device can obtain the target user's characteristic value transfer confirmation information for the first account and trigger the characteristic value transfer. Among them, the characteristic value transfer confirmation information is used to identify the target user's confirmation of the triggering of the characteristic value transfer event, including but not limited to the target user's payment password in the target platform, the triggering operation of the target user confirming the payment, etc.

[0114] To this end, an embodiment of the present application provides a possible implementation method, namely, the terminal device displays a transfer confirmation interface for the characteristic value transfer event, and then obtains characteristic value transfer confirmation information for the first account through the characteristic value transfer confirmation prompt. The transfer confirmation interface is used for the target user to confirm the triggering of this characteristic value transfer event, including the characteristic value transfer prompt corresponding to the first account, such as the "Please enter payment password" prompt and the "Confirm payment" button.

[0115] by Figure 3 Taking the application scenario where the terminal device is a cash register device in a convenience store as an example, after the cash register device receives the first account of Xiao Wang on the target platform returned by the server, it displays the transfer confirmation interface to Xiao Wang, that is, Figure 3 As shown in 303, the transfer confirmation interface includes Xiao Wang’s first account on the target platform, “It’s Xiao Wang” (image and name), and a payment confirmation button. After Xiao Wang clicks the payment confirmation button, it triggers a transfer of 9.9 yuan to the convenience store’s second account.

[0116] In another possible implementation scenario, the characteristic value transfer prompt may be a "Please enter your payment password" prompt, and the transfer confirmation interface includes the characteristic value transfer prompt and an entry for entering the payment password. Based on this, the terminal device uses the payment password entered by the target user as characteristic value transfer confirmation information to trigger the characteristic value transfer. This allows the target user to verify the characteristic value transfer event and the first account are correct during the payment password entry process, thereby avoiding the failure of the characteristic value transfer event due to information errors.

[0117] In actual applications, the transfer confirmation interface may also include transaction information involved in the feature value transfer event, such as product category, product quantity, product unit price, and transaction amount, that is, the target feature value.

[0118] The above-mentioned transfer confirmation interface of the characteristic value transfer event is displayed to the target user through the terminal device. The target user can confirm whether the first account to which the characteristic value is to be transferred and the information included in the characteristic value transfer event are correct, thereby avoiding the problem of characteristic value transfer failure due to information error and improving the success rate of completing the characteristic value transfer event.

[0119] Based on the above S202, it can be seen that the target user needs to enter an identity. Since it is unlikely that the first account determined based on the target user's identity does not correspond to the target user, in order to simplify the operation process and shorten the user's waiting time, in this embodiment of the application, the identity entered by the target user can be used as the target user's characteristic value transfer confirmation information for the first account, and then continue to execute the following S204.

[0120] It should be noted that the above is only a possible implementation method for obtaining the characteristic value transfer confirmation information for the first account provided in the embodiment of the present application. In actual application, it can be set according to specific scenarios and needs, and no limitation is made here.

[0121] S204: The terminal device displays a transfer success prompt based on the characteristic value transfer confirmation information and sends the characteristic value transfer information.

[0122] Since the characteristic value is transferred from the first account to the second account of the target user in the related art, it is necessary to confirm the successful completion of the characteristic value transfer event according to the characteristic value transfer success prompt, which takes a long time and the user experience is poor.

[0123] In order to better understand the difference between the above-mentioned related technologies and the feature value transfer method provided in the embodiment of the present application, see below Figure 4 ,by Figure 3 The scenario in which Xiao Wang pays 9.9 yuan to a convenience store through a cash register to buy bread is taken as an example, and the scenario in which Xiao Wang also pays 9.9 yuan to a convenience store through a cash register in the related art is introduced.

[0124] After Xiao Wang clicks the face payment button in the display interface 401 provided by the cash register device, the cash register device uses a camera to collect Xiao Wang's face image and displays it in real time, such as Figure 4 Then, the cash register device shows Xiao Wang the first account “It’s Xiao Wang” in the target platform and the “Confirm Payment” button, i.e. Figure 4 After Xiao Wang clicks "Confirm Payment", the target platform triggers the transfer of 9.9 yuan from the first account of the target user to the second account of the convenience store. The cash register device queries the completion status of the feature value transfer event, that is, queries Xiao Ming's payment status to the convenience store cash register system. At this time, the cash register device will display the "Querying Payment Result" interface to Xiao Wang, that is, Figure 4404 shown. After the cash register device queries the characteristic value transfer event successfully completed, that is, after the payment is successful, the payment success prompt will be displayed, such as Figure 4 Only after the display interface 405 is displayed can Xiao Wang take the bread and leave.

[0125] Typically, after Xiao Wang clicks "Confirm Payment" and sees the payment success notification, it takes 3 to 7 seconds. This long wait can seriously impact the user's payment experience when the user is in a hurry or the store is crowded.

[0126] To this end, in an embodiment of the present application, a platform account is established on the target platform, which stores the characteristic value. The server obtains the characteristic value transfer information sent by the terminal device, indicating that the target user's first account on the target platform is a valid account, that is, trust has been established between the target platform and the target user. Based on this, the target platform can use the platform account instead of the target user's first account to transfer the target characteristic value to the second account in the characteristic value transfer event.

[0127] Generally, the target platform is more credible than a single user, and the platform account of the target platform has sufficient characteristic values ​​stored in it. Therefore, the possibility of failure in transferring the characteristic value from the platform account to the second account is small. Therefore, in an embodiment of the present application, after the terminal device receives the characteristic value transfer confirmation information for the first account, it can immediately display a transfer success prompt, prompting the target user to take the goods away without the target user waiting to confirm whether the characteristic value has been successfully transferred to the second account, thereby shortening the waiting time of the target user in the characteristic value transfer process. At the same time, the terminal device sends characteristic value transfer information to the server based on the characteristic value transfer confirmation information, triggering the platform account of the target platform to transfer the target characteristic value to the second account to complete the characteristic value transfer event.

[0128] The terminal device displays a transfer success prompt before the characteristic value event is completed. That is, before the target characteristic value is successfully transferred from the target user to the second account, the terminal device will display a transfer success prompt, thus avoiding the waiting time for the target characteristic value to be transferred from the target user to the second account.

[0129] The above-mentioned characteristic value transfer information is used to indicate the transfer of the target characteristic value corresponding to the characteristic value transfer event to the second account through the platform account of the target platform. The transfer success prompt can be in the form of a voice broadcast or a text display, and is not limited here. In actual application, the characteristic value transfer event details can be pushed to the target user through the social software provided by the target platform so that the target user can view the specific details of the characteristic value transfer event.

[0130] In the above Figure 3In the scenario shown, after Xiao Wang clicks the "Confirm Payment" button in the display interface 303, the terminal device obtains Xiao Wang's touch operation on the "Confirm Payment" button and immediately jumps to the display interface of successful payment, that is, Figure 3 The display interface 304 is shown, and it is announced that "the money has been received, 9.9 yuan", and Xiao Wang can take the bread and leave.

[0131] The eigenvalue transfer method provided in the embodiment of the present application is applied to Figure 3 In the scenario shown, compared to Figure 4 As shown in the related technology, after Xiao Wang confirms the payment, although the payment order is not completed, the terminal device will immediately display the payment success prompt interface, which is Figure 3 The process from 303 to 304 is compared with Figure 4 The process shown here eliminates the need for Figure 4 The process of querying the order result shown in 404 is such that Xiao Wang does not need to wait for the order payment to be completed and can take the bread away, which shortens the waiting time during Xiao Wang's payment process.

[0132] The characteristic value transfer method provided in the above embodiment can directly display a transfer success prompt after obtaining the characteristic value transfer confirmation information for the first account, without the user having to wait for confirmation whether the characteristic value is successfully transferred to the second account, thereby shortening the user's waiting time during the characteristic value transfer process and improving the user's payment experience.

[0133] S205: The server obtains characteristic value transfer information for the characteristic value transfer event.

[0134] After the terminal device displays a prompt indicating that the characteristic value has been successfully transferred, the target user can leave with the product. At the same time, the server obtains the characteristic value transfer information sent by the terminal device for the characteristic value transfer event, so that the server can instruct the platform account of the target platform to transfer the target characteristic value to the second account based on the characteristic value transfer information.

[0135] Since the account from which the characteristic value is to be transferred is the first account of the target user, the account from which the characteristic value is to be obtained is the second account, and the characteristic value to be transferred is the target characteristic value, in order to correctly instruct the platform account of the target platform to transfer the target characteristic value to the second account, in one possible implementation, the characteristic value transfer information carries a transfer identifier of the characteristic value transfer event corresponding to the first account, so that the server can determine the target characteristic value and the second account based on the transfer identifier in the characteristic value transfer information. The transfer identifier is used to identify the target user transferring the target characteristic value to the second account. The transfer identifier can exist in the form of a payment code, bill, etc.

[0136] In actual applications, the server returns the first account to the terminal device, and at the same time, returns the transfer identifier of the feature value transfer event corresponding to the first account to the terminal device. After receiving the feature value transfer confirmation information for the first account, the terminal device sends the transfer identifier to the second account, so that the second account can send feature value transfer information to the server, requesting the platform account to transfer the target feature value to the second account.

[0137] exist Figure 3 In the scenario shown, the server returns the first account, "Xiao Wang," along with the payment code for Xiao Wang's bread purchase to the cash register. After Xiao Wang clicks "Confirm Payment," the cash register displays a successful payment notification and sends the payment code to the convenience store's cash register system. The convenience store's cash register system then sends the payment code to the server, requesting that the platform account pay 9.9 yuan to the second account.

[0138] The above-mentioned feature value transfer information carries a transfer identifier, which instructs the platform account to transfer the target feature value to the second account in the feature value transfer event corresponding to the first account, making it possible for the platform account to transfer the target feature value to the second account instead of the first account, thereby shortening the waiting time of the target user during the feature value transfer process.

[0139] S206: The server transfers the target feature value to the second account through the platform account of the target platform.

[0140] After receiving the characteristic value transfer information sent by the terminal device, the server transfers the target characteristic value to the second account via the target platform's platform account. The platform account stores characteristic values. For example, the platform account is a fund pool established by the target platform developer. In the scenario described above where Xiao Wang buys bread, 9.9 yuan is transferred from the target platform's fund pool to the convenience store's second account.

[0141] The above-mentioned method of replacing the target user with the target platform, that is, transferring the target characteristic value to the second account through the platform account of the target platform, means that the target platform advances the payment for the target user, which shortens the waiting time of the target user in the characteristic value transfer process and improves the user experience.

[0142] As can be seen from the above, in the characteristic value transfer event, the account to be transferred out of the target characteristic value is the first account of the target user. In order to shorten the waiting time of the user in the characteristic value transfer process, the embodiment of the present application establishes a platform account, and first transfers the target characteristic value to the second account instead of the first account. On this basis, the first account should transfer the target characteristic value to the platform account. In other words, the platform account acts as an intermediary in the characteristic value transfer event, first advances the payment for the first account, and then the first account of the target user repays the platform account. This is why it is necessary to confirm the identity of the target user in the target platform before transferring the target characteristic value.

[0143] To this end, an embodiment of the present application provides a possible implementation method, namely, the server initiates a transfer operation for the target feature value to the first account of the target user in the target platform, and then transfers the target feature value from the first account to the platform account through the transfer operation.

[0144] In practical applications, the target platform can provide users with an automatic deduction function. The target user can activate the automatic deduction function on the target platform. After the target platform's platform account transfers the target characteristic value to the second account, a transfer operation for the target characteristic value is initiated on the first account on the target platform. This transfer operation automatically transfers the target characteristic value from the first account to the platform account. In other words, the target user no longer needs to perform any additional operations to complete the transfer of the target characteristic value to the second account, simplifying the user payment process and improving the user experience.

[0145] For example, in the above scenario where Xiao Wang buys bread, after Xiao Wang sees the payment success interface 304 displayed on the terminal device, the target platform first transfers 9.9 yuan to the convenience store's second account through the platform account, and then automatically transfers 9.9 yuan from Xiao Wang's first account to the platform account.

[0146] In the above, the target characteristic value is first transferred from the platform account of the target platform to the second account, and then the target characteristic value is transferred from the first account of the target user to the platform account. That is, the characteristic value transfer event of transferring the target characteristic value from the target user to the second account is realized with the platform account as an intermediary, and the timing of the target user successfully transferring the target characteristic value to the second account is displayed in advance, which effectively shortens the user's waiting time in the characteristic value transfer and improves the user experience.

[0147] It is understood that there may be cases where the target characteristic value transfer from the first account to the platform account fails. For example, the characteristic value of the first account is less than the target characteristic value, that is, the balance in the first account is less than the price of the purchased product, or the balance in the bank account associated with the first account is less than the price of the purchased product. In this case, the transfer of the target characteristic value from the first account to the platform account is abnormal.

[0148] In this case, an embodiment of the present application provides a possible implementation method, namely, the server sends a transfer prompt for the characteristic value transfer event to the target user, and the terminal device obtains the transfer prompt, so that the target user transfers the target characteristic value to the platform account through the first account, so that the platform account of the target platform obtains the target characteristic value transferred from the first account, thereby completing the characteristic value transfer event.

[0149] The transfer prompt is used to remind the target user that they need to transfer the target feature value to the platform account to complete the feature value transfer event. The transfer prompt can be a text message reminder, a message sent by the target platform on its social media app, etc., without any limitation here.

[0150] In actual applications, in order to ensure the effective rights and interests of the target platform, a condition can be set that the target user must complete the transfer of the target characteristic value from the first account to the platform account before the target user is allowed to use the platform account to transfer the target characteristic value to the second account again instead of the first account.

[0151] In the above-mentioned case where the target characteristic value is not successfully transferred from the target user's first account to the platform account of the target platform, a transfer prompt is sent to remind the target user to complete the characteristic value transfer event, thereby ensuring the effective rights and interests of the platform account and providing users with a higher payment experience by using the platform account.

[0152] The characteristic value transfer method provided in the above embodiment obtains the identity information of the target user in the characteristic value transfer event. The characteristic value transfer event is used to identify the target user, that is, the characteristic value transfer behavior of the user to transfer the characteristic value to the second account. Based on the identity information, the identity of the target user can be clarified, and the first account of the target user in the target platform can be determined. After determining the first account, in order to improve the completion speed of this characteristic value transfer event, the target platform will replace the target user, and in this characteristic value transfer event, the target characteristic value will be transferred to the second account through the platform account. Since the credibility of the target platform is much higher than that of a single user, the transfer success prompt that the characteristic value transfer event has been completed can be directly displayed after obtaining the characteristic value transfer confirmation information, without waiting for confirmation that the target characteristic value has been transferred to the second account. In this way, the characteristic value transfer event can be completed quickly, reducing the waiting time of the target user in this characteristic value transfer.

[0153] In order to better understand the feature value transfer method provided by the above embodiment, Figure 5 , this article explains the scenario where Xiao Wang buys bread at a convenience store.

[0154] See also Figure 5 , Figure 5 A flow chart of another characteristic value transfer process provided in an embodiment of the present application. Figure 5 In the scenario shown where Xiao Wang buys bread at a convenience store, it includes a cash register device (i.e., a feature value transfer device), a convenience store cash register system (corresponding to the second account), a face-swiping payment backend (i.e., the target platform), and the target platform's fund library (i.e., the platform account of the target platform).

[0155] During the application process, Xiao Wang activates the face-scanning payment function of the cash register (501). The cash register collects Xiao Wang's facial image through the camera (502) and sends an identity recognition request to the face-scanning payment backend (503). After the face-scanning payment backend determines Xiao Wang's first account in the target platform based on Xiao Wang's facial image, it returns the first account and payment code to the cash register (504). The cash register shows Xiao Wang the first account, and Xiao Wang confirms the payment after confirming that it is correct (505). The cash register shows Xiao Wang a payment success prompt and sends the payment code to the convenience store cash register system (506). After Xiao Wang completes the payment, he can take the bread and leave (507). The convenience store cash register system uses the payment code to request the face-scanning payment backend to execute the deduction operation (508), that is, Xiao Wang transfers 9.9 yuan to the convenience store's second account. After the face-scanning payment backend determines the convenience store's second account and the target characteristic value of 9.9 yuan based on the payment code, it deducts the money from the fund pool, that is, transfers 9.9 yuan from the fund pool to the second account (509), and returns a successful deduction prompt to the face-scanning payment backend (510). The face-scanning payment backend returns the successful deduction prompt to the convenience store cash register system (511), prompting the convenience store to successfully collect the payment, and deducts the money from Xiao Wang's first account, that is, transfers 9.9 yuan from Xiao Wang's first account to the fund pool. If the deduction fails, that is, the operation of transferring 9.9 yuan from Xiao Wang's first account to the fund pool fails, the face-scanning payment backend sends a mobile phone payment urging notification (512) to Xiao Wang, reminding Xiao Wang to complete the payment. After Xiao Wang completes the payment by transferring 9.9 yuan from his first account to the fund pool (513), the face-scanning payment platform sends a mobile phone deduction notification (514) to Xiao Wang, prompting Xiao Wang that the payment for the bread purchase is successful and displaying the order details.

[0156] After the target user's first account on the target platform is determined as described above, the target platform will transfer the target characteristic value to the second account through the platform account on behalf of the target user in the characteristic value transfer event, and directly display the transfer success prompt that the characteristic value transfer event has been completed after obtaining the characteristic value transfer confirmation information. Therefore, the target user does not need to wait for confirmation that the target characteristic value has been transferred to the second account, which reduces the waiting time of the target user in this characteristic value transfer and improves the user experience.

[0157] In response to the eigenvalue transfer method provided in the above embodiment, an embodiment of the present application also provides an eigenvalue transfer device.

[0158] See also Figure 6 , Figure 6 This is a schematic diagram of the structure of a feature value transfer device provided in an embodiment of the present application. Figure 6 As shown, the feature value transfer device 600 includes an acquisition unit 601, a determination unit 602 and a sending unit 603:

[0159] The acquisition unit 601 is configured to acquire identity information of a target user in a feature value transfer event, where the target user is a user whose feature value is to be transferred out in the feature value transfer event;

[0160] The determining unit 602 is configured to determine a first account of the target user in the target platform, where the first account is obtained based on the identity information;

[0161] The obtaining unit 601 is further configured to obtain characteristic value transfer confirmation information for the first account;

[0162] The sending unit 603 is used to display a transfer success prompt based on the characteristic value transfer confirmation information and send characteristic value transfer information, wherein the characteristic value transfer information is used to indicate the transfer of the target characteristic value corresponding to the characteristic value transfer event to the second account through the platform account of the target platform, and the second account is the account for the characteristic value to be obtained in the characteristic value transfer event.

[0163] In a possible implementation, the apparatus 600 further includes a transfer unit:

[0164] The transfer unit is used to obtain a transfer prompt for the characteristic value transfer event after sending the characteristic value transfer information, and the transfer prompt is used to instruct the target user to transfer the target characteristic value to the platform account; and transfer the target characteristic value to the platform account through the first account.

[0165] In a possible implementation, the acquisition unit 601 is configured to acquire a face recognition request for the feature value transfer event; and acquire identity information of the target user based on the captured image.

[0166] In one possible implementation, the determination unit 602 is used to display an identity authentication interface for inputting an identity identifier if multiple users are determined through the identity information, or if it is determined that the target user includes multiple accounts on the target platform; obtain the identity identifier of the target user through the identity authentication interface; and determine the first account of the target user on the target platform based on the identity identifier.

[0167] In one possible implementation, the acquisition unit 601 is used to display a transfer confirmation interface for the characteristic value transfer event, and the transfer confirmation interface includes a characteristic value transfer confirmation prompt corresponding to the first account; and the characteristic value transfer confirmation information for the first account is obtained through the characteristic value transfer confirmation prompt.

[0168] See also Figure 7 , Figure 7 This is a structural diagram of another eigenvalue transfer device provided in an embodiment of the present application. Figure 7 As shown, the feature value transfer device 700 includes an acquisition unit 701 and a transfer unit 702:

[0169] The acquisition unit 701 is configured to acquire characteristic value transfer information for a characteristic value transfer event, where the characteristic value transfer information is generated by a target user through a terminal device, and is used to identify a target characteristic value and a second account corresponding to the characteristic value transfer event. The target user is the user whose characteristic value is to be transferred out in the characteristic value transfer event, and the second account is the account whose characteristic value is to be obtained in the characteristic value transfer event.

[0170] The transfer unit 702 is configured to transfer the target feature value to the second account via a platform account of a target platform, where the target platform includes the first account of the target user.

[0171] In a possible implementation, the characteristic value transfer information carries a transfer identifier of the first account corresponding to the characteristic value transfer event, and the apparatus 700 further includes a determining unit:

[0172] The determining unit is configured to determine the target feature value and the second account according to the transfer identifier.

[0173] In one possible implementation, the acquisition unit 701 is further used to obtain the identity information of the target user in the characteristic value transfer event from the terminal device before obtaining the characteristic value transfer information for the characteristic value transfer event; determine the first account of the target user on the target platform based on the identity information; and return the first account of the target user on the target platform to the terminal device.

[0174] In a possible implementation, the transfer unit 702 is used to initiate a transfer operation for the target feature value to the first account of the target user in the target platform; and transfer the target feature value from the first account to the platform account through the transfer operation.

[0175] In a possible implementation, the apparatus further includes a sending unit:

[0176] The sending unit is configured to send a transfer prompt for the feature value transfer event to the target user if the target feature value is not transferred from the first account to the platform account through the transfer operation, wherein the transfer prompt is used to instruct the target user to transfer the target feature value to the platform account;

[0177] The acquisition unit 701 is further configured to acquire the target feature value transferred from the first account to the platform account.

[0178] The characteristic value transfer device provided by the above embodiment obtains the identity information of the target user in the characteristic value transfer event. The characteristic value transfer event is used to identify the target user, that is, the characteristic value transfer behavior of the user to transfer the characteristic value to the second account. The identity of the target user can be clarified based on the identity information, and the first account of the target user in the target platform can be determined. After determining the first account, in order to improve the completion speed of this characteristic value transfer event, the target user will be replaced by the target platform. In this characteristic value transfer event, the target characteristic value will be transferred to the second account through the platform account. Since the credibility of the target platform is much higher than that of a single user, the transfer success prompt that the characteristic value transfer event has been completed can be directly displayed after obtaining the characteristic value transfer confirmation information. There is no need to wait for confirmation that the target characteristic value has been transferred to the second account. In this way, the characteristic value transfer event can be completed quickly, reducing the waiting time of the target user in this characteristic value transfer.

[0179] The present application also provides a feature value transfer system, which includes a terminal device and a server:

[0180] The terminal device is used to obtain the identity information of the target user in the characteristic value transfer event, where the target user is the user whose characteristic value is to be transferred out in the characteristic value transfer event;

[0181] The terminal device is further configured to determine a first account of the target user in the target platform, where the first account is obtained based on the identity information;

[0182] The terminal device is further configured to obtain characteristic value transfer confirmation information for the first account;

[0183] The terminal device is further configured to display a transfer success prompt according to the characteristic value transfer confirmation information, and send characteristic value transfer information to the server;

[0184] The server is configured to obtain the characteristic value transfer information sent by the terminal device;

[0185] The server is further configured to transfer the target characteristic value to the second account via the platform account of the target platform.

[0186] The characteristic value transfer system provided by the above embodiment obtains the identity information of the target user in the characteristic value transfer event. The characteristic value transfer event is used to identify the target user, that is, the characteristic value transfer behavior of the user to transfer the characteristic value to the second account. The identity of the target user can be clarified based on the identity information, and the first account of the target user in the target platform can be determined. After determining the first account, in order to improve the completion speed of this characteristic value transfer event, the target platform will replace the target user, and in this characteristic value transfer event, the target characteristic value will be transferred to the second account through the platform account. Since the credibility of the target platform is much higher than that of a single user, the transfer success prompt that the characteristic value transfer event has been completed can be directly displayed after obtaining the characteristic value transfer confirmation information, without waiting for confirmation that the target characteristic value has been transferred to the second account. In this way, the characteristic value transfer event can be completed quickly, reducing the waiting time of the target user in this characteristic value transfer.

[0187] The embodiment of the present application also provides a computer device. The computer device for characteristic value transfer provided by the embodiment of the present application will be introduced below from the perspective of hardware instantiation.

[0188] See also Figure 8 , Figure 8 This is a schematic diagram of a server structure provided by an embodiment of the present application. The server 1400 may have relatively large differences due to different configurations or performances, and may include one or more central processing units (CPU) 1422 (for example, one or more processors) and memory 1432, and one or more storage media 1430 (for example, one or more mass storage devices) for storing application programs 1442 or data 1444. Among them, the memory 1432 and the storage medium 1430 can be short-term storage or persistent storage. The program stored in the storage medium 1430 may include one or more modules (not shown in the figure), and each module may include a series of instruction operations on the server. Furthermore, the central processing unit 1422 can be configured to communicate with the storage medium 1430 to execute a series of instruction operations in the storage medium 1430 on the server 1400.

[0189] The server 1400 may also include one or more power supplies 1426, one or more wired or wireless network interfaces 1450, one or more input and output interfaces 1458, and / or one or more operating systems 1441, such as Windows Server™, Mac OS X™, Unix™, Linux™, FreeBSD™, etc.

[0190] The steps performed by the server in the above embodiment can be based on the Figure 8The server structure shown.

[0191] The CPU 1422 is configured to execute the following steps:

[0192] Obtaining characteristic value transfer information for a characteristic value transfer event, where the characteristic value transfer information is generated by a target user through a terminal device, and is used to identify a target characteristic value and a second account corresponding to the characteristic value transfer event. The target user is the user whose characteristic value is to be transferred out in the characteristic value transfer event, and the second account is the account whose characteristic value is to be obtained in the characteristic value transfer event;

[0193] The target feature value is transferred to the second account through a platform account of a target platform, where the target platform includes the first account of the target user.

[0194] Optionally, the CPU 1422 may also execute the feature value transfer method provided in the above embodiment, which will not be described in detail here.

[0195] With respect to the above-described method for transferring characteristic values, an embodiment of the present application further provides a terminal device for transferring characteristic values, so that the above-described method for transferring characteristic values ​​can be implemented and applied in practice.

[0196] See also Figure 9 , Figure 9 This is a schematic diagram of the structure of a terminal device provided in an embodiment of the present application. For ease of explanation, only the parts related to the embodiment of the present application are shown. For specific technical details not disclosed, please refer to the method section of the embodiment of the present application. The terminal device can be any terminal device including a mobile phone, a tablet computer, a personal digital assistant (PDA), etc. Taking the terminal device as a mobile phone as an example:

[0197] Figure 9 The block diagram shows a partial structure of a mobile phone related to the terminal device provided in the embodiment of the present application. Figure 9 The mobile phone includes components such as a radio frequency (RF) circuit 1510, a memory 1520, an input unit 1530, a display unit 1540, a sensor 1550, an audio circuit 1560, a wireless fidelity (WiFi) module 1570, a processor 1580, and a power supply 1590. It will be understood by those skilled in the art that Figure 9 The mobile phone structure shown in the figure does not constitute a limitation to the mobile phone, and may include more or fewer components than shown in the figure, or combine certain components, or arrange the components differently.

[0198] The following combination Figure 9A detailed introduction to the various components of a mobile phone:

[0199] The RF circuit 1510 can be used to receive and send signals during information transmission or calls. In particular, after receiving downlink information from the base station, it is sent to the processor 1580 for processing. In addition, the designed uplink data is sent to the base station. Generally, the RF circuit 1510 includes but is not limited to an antenna, at least one amplifier, a transceiver, a coupler, a low noise amplifier (LNA), a duplexer, etc. In addition, the RF circuit 1510 can also communicate with the network and other devices through wireless communication. The above-mentioned wireless communication can use any communication standard or protocol, including but not limited to Global System of Mobile Communication (GSM), General Packet Radio Service (GPRS), Code Division Multiple Access (CDMA), Wideband Code Division Multiple Access (WCDMA), Long Term Evolution (LTE), email, Short Messaging Service (SMS), etc.

[0200] Memory 1520 can be used to store software programs and modules. Processor 1580 implements various functional applications and data processing of the mobile phone by running the software programs and modules stored in memory 1520. Memory 1520 may mainly include a program storage area and a data storage area. The program storage area may store an operating system and at least one application required for a function (such as a sound playback function, an image playback function, etc.); the data storage area may store data created based on the use of the mobile phone (such as audio data, a phone book, etc.). In addition, memory 1520 may include high-speed random access memory and non-volatile memory, such as at least one disk storage device, flash memory device, or other volatile solid-state storage device.

[0201] The input unit 1530 can be used to receive input digital or character information and generate key signal input related to the user settings and function control of the mobile phone. Specifically, the input unit 1530 may include a touch panel 1531 and other input devices 1532. The touch panel 1531, also known as a touch screen, can collect user touch operations on or near it (such as operations performed by the user using a finger, stylus, or any other suitable object or accessory on or near the touch panel 1531) and drive the corresponding connected devices according to a pre-set program. Optionally, the touch panel 1531 may include two parts: a touch detection device and a touch controller. The touch detection device detects the user's touch direction and detects the signal generated by the touch operation, and transmits the signal to the touch controller; the touch controller receives the touch information from the touch detection device and converts it into touch point coordinates, which are then sent to the processor 1580. It can also receive commands sent by the processor 1580 and execute them. In addition, the touch panel 1531 can be implemented using various types such as resistive, capacitive, infrared, and surface acoustic wave. In addition to the touch panel 1531, the input unit 1530 may further include other input devices 1532. Specifically, the other input devices 1532 may include, but are not limited to, one or more of a physical keyboard, function keys (such as volume control keys, power keys, etc.), a trackball, a mouse, and a joystick.

[0202] The display unit 1540 can be used to display information input by the user or information provided to the user and various menus of the mobile phone. The display unit 1540 may include a display panel 1541. Optionally, the display panel 1541 may be configured in the form of a liquid crystal display (LCD), an organic light-emitting diode (OLED), etc. Further, the touch panel 1531 may cover the display panel 1541. When the touch panel 1531 detects a touch operation on or near it, it is transmitted to the processor 1580 to determine the type of touch event. Subsequently, the processor 1580 provides corresponding visual output on the display panel 1541 according to the type of touch event. Although in Figure 9 In the embodiment, the touch panel 1531 and the display panel 1541 are used as two independent components to realize the input and output functions of the mobile phone, but in some embodiments, the touch panel 1531 and the display panel 1541 can be integrated to realize the input and output functions of the mobile phone.

[0203] The mobile phone may also include at least one sensor 1550, such as a light sensor, a motion sensor, and other sensors. Specifically, the light sensor may include an ambient light sensor and a proximity sensor, wherein the ambient light sensor may adjust the brightness of the display panel 1541 according to the brightness of the ambient light, and the proximity sensor may turn off the display panel 1541 and / or the backlight when the mobile phone is moved to the ear. As a type of motion sensor, the accelerometer sensor can detect the magnitude of acceleration in all directions (generally three axes), and can detect the magnitude and direction of gravity when stationary. It can be used for applications that identify the posture of the mobile phone (such as horizontal and vertical screen switching, related games, magnetometer posture calibration), vibration recognition related functions (such as pedometer, tapping), etc.; as for other sensors that the mobile phone can also be configured with, such as gyroscopes, barometers, hygrometers, thermometers, infrared sensors, etc., they will not be described here.

[0204] Audio circuit 1560, speaker 1561, and microphone 1562 provide an audio interface between the user and the phone. Audio circuit 1560 converts received audio data into electrical signals and transmits them to speaker 1561, which then converts them into sound signals for output. Microphone 1562, on the other hand, converts collected sound signals into electrical signals, which are then received by audio circuit 1560 and converted into audio data. The audio data is then processed by processor 1580 and transmitted to, for example, another phone via RF circuit 1510, or stored in memory 1520 for further processing.

[0205] WiFi is a short-range wireless transmission technology. Mobile phones can help users send and receive emails, browse the web, and access streaming media through the WiFi module 1570. It provides users with wireless broadband Internet access. Figure 9 A WiFi module 1570 is shown, but it is understandable that it is not an essential component of the mobile phone and can be omitted as needed without changing the essence of the invention.

[0206] Processor 1580 is the control center of the phone, connecting all parts of the phone using various interfaces and circuits. It executes software programs and / or modules stored in memory 1520 and accesses data stored in memory 1520 to perform various phone functions and process data. Optionally, processor 1580 may include one or more processing units. Preferably, processor 1580 integrates an application processor and a modem processor. The application processor primarily handles the operating system, user interface, and application programs, while the modem processor primarily handles wireless communications. It is understood that the modem processor may not be integrated into processor 1580.

[0207] The mobile phone also includes a power supply 1590 (such as a battery) for supplying power to various components. Preferably, the power supply can be logically connected to the processor 1580 through a power management system, thereby realizing functions such as charging, discharging, and power consumption management through the power management system.

[0208] Although not shown, the mobile phone may also include a camera, a Bluetooth module, etc., which will not be described in detail here.

[0209] In the embodiment of the present application, the memory 1520 included in the mobile phone can store program codes and transmit the program codes to the processor.

[0210] The processor 1580 included in the mobile phone can execute the following steps according to the instructions in the program code:

[0211] Obtaining identity information of a target user in a feature value transfer event, wherein the target user is a user whose feature value is to be transferred out in the feature value transfer event;

[0212] Determining a first account of the target user in a target platform, where the first account is obtained based on the identity information;

[0213] Obtaining characteristic value transfer confirmation information for the first account;

[0214] A transfer success prompt is displayed according to the characteristic value transfer confirmation information, and characteristic value transfer information is sent. The characteristic value transfer information is used to indicate the transfer of the target characteristic value corresponding to the characteristic value transfer event to the second account through the platform account of the target platform. The second account is the account for the characteristic value to be obtained in the characteristic value transfer event.

[0215] Optionally, the processor 1580 included in the mobile phone can also execute the characteristic value transfer method provided in the above embodiment according to the instructions in the program code, which will not be repeated here.

[0216] An embodiment of the present application also provides a computer-readable storage medium for storing a computer program, which is used to execute the eigenvalue transfer method provided in the above embodiment.

[0217] The present application also provides a computer program product or computer program, which includes computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium and executes the computer instructions, causing the computer device to perform the feature value transfer method provided in various optional implementations of the above aspects.

[0218] Those skilled in the art will understand that all or part of the steps of implementing the above-mentioned method embodiment can be completed by hardware related to program instructions, and the above-mentioned program can be stored in a computer-readable storage medium. When the program is executed, it executes the steps of the above-mentioned method embodiment; and the above-mentioned storage medium can be at least one of the following media: read-only memory (English: read-only memory, abbreviated: ROM), RAM, magnetic disk or optical disk, etc., various media that can store program codes.

[0219] It should be noted that the various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the device and system embodiments, since they are basically similar to the method embodiments, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiments. The device and system embodiments described above are merely schematic, wherein the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the scheme of this embodiment. A person of ordinary skill in the art can understand and implement it without expending creative work.

[0220] The above is merely one specific embodiment of the present application, but the scope of protection of the present application is not limited thereto. Any changes or substitutions that can be easily conceived by a person skilled in the art within the technical scope disclosed in this application should be included in the scope of protection of the present application. Therefore, the scope of protection of the present application should be based on the scope of protection of the claims.

Claims

1. A method for transferring eigenvalues, characterized in that: The method comprises: Obtaining identity information of a target user in a feature value transfer event, wherein the target user is a user whose feature value is to be transferred out in the feature value transfer event; Determining a first account of the target user in a target platform, where the first account is obtained based on the identity information; Obtaining characteristic value transfer confirmation information for the first account; Display a transfer success prompt according to the characteristic value transfer confirmation information, and send characteristic value transfer information, wherein the characteristic value transfer information is used to instruct the target platform's platform account to first replace the first account to transfer the target characteristic value corresponding to the characteristic value transfer event to the second account, where the second account is the account to obtain the characteristic value in the characteristic value transfer event; the platform account is the fund library of the target platform; Obtaining a transfer prompt for the feature value transfer event, where the transfer prompt is used to instruct the target user to transfer the target feature value to the platform account; The target feature value is transferred to the platform account through the first account.

2. The method according to claim 1, characterized in that The obtaining of the identity information of the target user in the feature value transfer event includes: Obtaining a face recognition request for the feature value transfer event; The identity information of the target user is obtained based on the collected image.

3. The method according to claim 1, characterized in that If multiple users are determined through the identity information, or it is determined that the target user includes multiple accounts on the target platform, determining the first account of the target user in the target platform according to the identity information includes: Display the identity authentication interface for entering identity identification; Obtaining the identity identifier of the target user through the identity authentication interface; The first account of the target user in the target platform is determined according to the identity identifier.

4. The method according to any one of claims 1 to 3, characterized in that The obtaining of characteristic value transfer confirmation information for the first account includes: Displaying a transfer confirmation interface for the characteristic value transfer event, wherein the transfer confirmation interface includes a characteristic value transfer confirmation prompt corresponding to the first account; Acquire characteristic value transfer confirmation information for the first account through the characteristic value transfer confirmation prompt.

5. A method for transferring eigenvalues, characterized in that: The method comprises: Obtaining characteristic value transfer information for a characteristic value transfer event, where the characteristic value transfer information is generated by a target user through a terminal device, and is used to identify a target characteristic value and a second account corresponding to the characteristic value transfer event. The target user is the user whose characteristic value is to be transferred out in the characteristic value transfer event, and the second account is the account whose characteristic value is to be obtained in the characteristic value transfer event; The target feature value is first transferred to the second account via a platform account of a target platform instead of the first account, where the target platform includes the first account of the target user; the platform account is the fund library of the target platform; Initiating a transfer operation for the target characteristic value to the first account; The target feature value is transferred from the first account to the platform account through the transfer operation.

6. The method according to claim 5, characterized in that The characteristic value transfer information carries a transfer identifier of the first account corresponding to the characteristic value transfer event, and the method further includes: The target characteristic value and the second account are determined according to the transfer identifier.

7. The method according to claim 5, characterized in that Before acquiring the eigenvalue transfer information for the eigenvalue transfer event, the method further includes: Acquire the identity information of the target user in the feature value transfer event from the terminal device; Determining a first account of the target user on the target platform according to the identity information; Return the first account of the target user on the target platform to the terminal device.

8. The method according to claim 5, characterized in that If the target feature value is not transferred from the first account to the platform account through the transfer operation, the method further includes: Sending a transfer prompt for the feature value transfer event to the target user, where the transfer prompt is used to instruct the target user to transfer the target feature value to the platform account; The target feature value transferred from the first account to the platform account is obtained.

9. A feature value transfer device, characterized in that: The device includes an acquisition unit, a determination unit, a sending unit and a transfer unit: The acquisition unit is configured to acquire identity information of a target user in a feature value transfer event, wherein the target user is a user whose feature value is to be transferred out in the feature value transfer event; The determining unit is configured to determine a first account of the target user in the target platform, where the first account is obtained based on the identity information; The acquiring unit is further configured to acquire characteristic value transfer confirmation information for the first account; The sending unit is configured to display a transfer success prompt according to the characteristic value transfer confirmation information, and send characteristic value transfer information, wherein the characteristic value transfer information is used to instruct the platform account of the target platform to first transfer the target characteristic value corresponding to the characteristic value transfer event to a second account instead of the first account, and the second account is the account for which the characteristic value is to be obtained in the characteristic value transfer event; The platform account is the fund library of the target platform; The transfer unit is configured to obtain a transfer prompt for the feature value transfer event, wherein the transfer prompt is configured to instruct the target user to transfer the target feature value to the platform account; The transfer unit is further configured to transfer the target feature value to the platform account through the first account.

10. The device according to claim 9, characterized in that The acquisition unit is configured to: Obtaining a face recognition request for the feature value transfer event; The identity information of the target user is obtained based on the collected image.

11. The device according to claim 9, characterized in that If multiple users are determined through the identity information, or if it is determined that the target user has multiple accounts on the target platform, the determining unit is configured to: Display the identity authentication interface for entering identity identification; Obtaining the identity identifier of the target user through the identity authentication interface; The first account of the target user in the target platform is determined according to the identity identifier.

12. The device according to any one of claims 9 to 11, characterized in that: The acquisition unit is configured to: Displaying a transfer confirmation interface for the characteristic value transfer event, wherein the transfer confirmation interface includes a characteristic value transfer confirmation prompt corresponding to the first account; Acquire characteristic value transfer confirmation information for the first account through the characteristic value transfer confirmation prompt.

13. A feature value transfer device, characterized in that: The device comprises an acquisition unit and a transfer unit: The acquisition unit is configured to acquire characteristic value transfer information for a characteristic value transfer event, the characteristic value transfer information being generated by a target user via a terminal device, the characteristic value transfer information being used to identify a target characteristic value and a second account corresponding to the characteristic value transfer event, the target user being the user whose characteristic value is to be transferred out in the characteristic value transfer event, and the second account being the account whose characteristic value is to be acquired in the characteristic value transfer event; The transfer unit is configured to transfer the target feature value to the second account by replacing the first account with a platform account of a target platform, wherein the target platform includes the first account of the target user; The platform account is the fund library of the target platform; The transfer unit is further configured to initiate a transfer operation for the target characteristic value to the first account; The transfer unit is further configured to transfer the target feature value from the first account to the platform account through the transfer operation.

14. The device according to claim 13, characterized in that The characteristic value transfer information carries a transfer identifier of the first account corresponding to the characteristic value transfer event, and the apparatus further includes: A determining unit is configured to determine the target characteristic value and the second account according to the transfer identifier.

15. The device according to claim 13, characterized in that The acquisition unit is further configured to: Before acquiring the characteristic value transfer information for the characteristic value transfer event, acquiring the identity information of the target user in the characteristic value transfer event from the terminal device; Determining a first account of the target user on the target platform according to the identity information; Return the first account of the target user on the target platform to the terminal device.

16. The device according to claim 13, characterized in that The device further comprises: a sending unit, configured to send a transfer prompt for the feature value transfer event to the target user if the target feature value is not transferred from the first account to the platform account through the transfer operation, wherein the transfer prompt is used to instruct the target user to transfer the target feature value to the platform account; The acquisition unit is further configured to acquire the target feature value transferred from the first account to the platform account.

17. A feature value transfer system, characterized in that: The system includes a terminal device and a server: The terminal device is used to obtain the identity information of the target user in the characteristic value transfer event, where the target user is the user whose characteristic value is to be transferred out in the characteristic value transfer event; The terminal device is further configured to determine a first account of the target user in the target platform, where the first account is obtained based on the identity information; The terminal device is further configured to obtain characteristic value transfer confirmation information for the first account; The terminal device is further configured to display a transfer success prompt according to the characteristic value transfer confirmation information, and send characteristic value transfer information to the server; The server is configured to obtain the characteristic value transfer information sent by the terminal device; The server is further configured to transfer the target characteristic value corresponding to the characteristic value transfer event to the second account by replacing the first account with the platform account of the target platform; The second account is the account for which the characteristic value is to be obtained in the characteristic value transfer event; The platform account is the fund library of the target platform; The server is further configured to initiate a transfer operation for the target characteristic value to the first account; The server is further configured to transfer the target feature value from the first account to the platform account through the transfer operation.

18. A computer device, characterized in that: The computer device includes a processor and a memory: The memory is used to store program code and transmit the program code to the processor; The processor is configured to execute the method according to any one of claims 1 to 4 or claims 5 to 8 according to the instructions in the program code.

19. A computer-readable storage medium, characterized in that The computer-readable storage medium is used to store a computer program, and the computer program is used to execute the method according to any one of claims 1 to 4 or claims 5 to 8.

20. A computer program product, characterized in that The method comprises a computer instruction, which is stored in a computer-readable storage medium; a processor of a computer device reads the computer instruction from the computer-readable storage medium, and the processor executes the computer instruction, so that the computer device executes the method according to any one of claims 1 to 4 or claims 5 to 8.

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