Resource transfer processing method and device

Abstract

Embodiments of this specification provide a method and apparatus for resource transfer processing, wherein a method for resource transfer processing includes: obtaining wireless network data of two terminals performing resource transfer in a preset time period; the wireless network data is composed of network records of each collection time point within the preset time period; querying whether the wireless network data of the two terminals respectively contain at least one network record recording the location of a network device; if not, detecting whether there is a network record of the same wireless network in the wireless network data of the two terminals; if so, performing resource transfer processing on the two terminals.

Description

Technical Field

[0001] This document relates to the field of data processing technology, and in particular to a method and device for resource transfer processing. Background Art

[0002] With the development of internet technology and the popularization of mobile devices, more and more online payment systems are being widely used, bringing great convenience to users' daily lives. Users can use online payment systems to transfer resources with other users. However, in order to ensure the secure transfer of resources, the resource transfer process is often interrupted by sending verification information to the user, which reduces the user experience. Summary of the Invention

[0003] One or more embodiments of this specification provide a resource transfer processing method, comprising: obtaining wireless network data for two terminals performing a resource transfer during a preset time period; the wireless network data comprising network records collected at each time point within the preset time period; querying whether the wireless network data of the two terminals respectively contains at least one network record recording the location of a network device; if not, detecting whether the wireless network data of the two terminals respectively contain a network record for the same wireless network; and if so, performing resource transfer processing for the two terminals.

[0004] One or more embodiments of this specification provide a resource transfer processing device, comprising: a data acquisition module configured to acquire wireless network data from two terminals performing resource transfer during a preset time period; the wireless network data is composed of network records collected at each time point within the preset time period. A query module configured to query whether the wireless network data of the two terminals respectively contains at least one network record recording the location of a network device. If not, a detection module is executed, wherein the detection module is configured to detect whether the wireless network data of the two terminals contains a network record of the same wireless network. If so, a processing module is executed, wherein the processing module is configured to perform resource transfer processing for the two terminals.

[0005] One or more embodiments of this specification provide a resource transfer processing device, comprising: a processor; and a memory configured to store computer-executable instructions, wherein when executed, the computer-executable instructions cause the processor to: obtain wireless network data for two terminals performing a resource transfer during a preset time period, wherein the wireless network data is composed of network records collected at each time point within the preset time period; query whether the wireless network data of the two terminals respectively contains at least one network record recording the location of a network device; if not, detect whether the wireless network data of the two terminals respectively contains a network record for the same wireless network; if so, perform resource transfer processing for the two terminals.

[0006] One or more embodiments of this specification provide a storage medium for storing computer-executable instructions, which, when executed by a processor, implement the following process: obtaining wireless network data for two terminals performing a resource transfer during a preset time period; the wireless network data comprising network records collected at each time point within the preset time period; querying whether the wireless network data of the two terminals respectively contains at least one network record recording the location of a network device; if not, detecting whether the wireless network data of the two terminals respectively contains a network record for the same wireless network; and if so, performing resource transfer processing for the two terminals. BRIEF DESCRIPTION OF THE DRAWINGS

[0007] In order to more clearly illustrate one or more embodiments of this specification or technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or descriptions of the prior art. Obviously, the drawings described below are only some embodiments described in this specification. Those skilled in the art can derive other drawings based on these drawings without inventive effort.

[0008] Figure 1 A flowchart of a resource transfer processing method provided in one or more embodiments of this specification;

[0009] Figure 2 A processing flow chart of a resource transfer processing method applied to a "face-to-face" offline transfer scenario provided by one or more embodiments of this specification;

[0010] Figure 3 A schematic diagram of a resource transfer processing device provided in one or more embodiments of this specification;

[0011] Figure 4 A schematic diagram of the structure of a resource transfer processing device provided in one or more embodiments of this specification. DETAILED DESCRIPTION

[0012] In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of this document.

[0013] This specification provides an embodiment of a method for resource transfer processing:

[0014] The resource transfer processing method provided in this embodiment obtains the wireless network data of the two terminals performing resource transfer in a preset time period to query whether the wireless network data of the two terminals respectively contain at least one network record recording the location of the network device. If the wireless network data of both terminals do not contain at least one network record recording the location of the network device, it is detected whether there is a network record of the same wireless network in the wireless network data of both terminals. If so, resource transfer processing is performed on both terminals, which enriches the verification scope and method of resource transfer scenarios, improves the accuracy of verifying resource transfer scenarios, thereby reducing the probability of users being obstructed when performing resource transfer and improving user experience.

[0015] Reference Figure 1 The resource transfer processing method provided in this embodiment specifically includes steps S102 to S108.

[0016] Step S102: obtaining wireless network data of the two terminals performing resource transfer in a preset time period.

[0017] In this embodiment, the resource transfer refers to transferring the possession rights of a certain amount of resources in a resource account of a terminal to another terminal.

[0018] The wireless network data includes status data of wireless networks to which the user terminal is connected in the wireless network environment, and / or status data of wireless networks detected by the user terminal; optionally, the wireless network data includes the user's Wi-Fi (wireless fidelity, wireless hotspot) data. In addition, the wireless network data also includes data obtained by Bluetooth or other means.

[0019] The network record refers to a record of wireless network data, which is generated after the user terminal is connected to the wireless network and / or detects the wireless network; optionally, it includes at least one of the following: a record of the network device location, a record of the network address, and a record of the network identification; wherein the network device location can be the device location coordinates of the wireless network to which the terminal has been connected, or the device location coordinates of the wireless network detected by the terminal; the network address can be the Mac address of the wireless network to which the terminal has been connected, or the Mac address of the wireless network detected by the terminal; the network identification can be a unique identifier that can distinguish a certain wireless network from other wireless networks.

[0020] For example, the wireless network data of user A can be represented by a Wi-Fi sequence {X1, X2, ..., Xm}, where X1 represents the location of the Wi-Fi device connected by user A at the first time point, the Wi-Fi MAC (Media Access Control) address, and the Wi-Fi identifier. Alternatively, X1 can also represent the location of the Wi-Fi device detected by user A at the first time point, the Wi-Fi MAC address, and the Wi-Fi identifier.

[0021] During specific implementation, in order to make the user's resource transfer processing more convenient, before executing step S102, it is also possible to directly determine whether to perform resource transfer processing by querying the location data of the two terminals performing resource transfer in a preset time period; optionally, the user's location data is obtained after the user turns on the terminal location collection permission, such as turning on the GPS (Global Positioning System) collection permission, or turning on the LBS (Location Based Services) collection permission.

[0022] During the specific execution process, first, from the perspective of distance, it is determined whether the terminals of both parties performing resource transfer are at a close distance, so as to determine whether the terminals of both parties are performing face-to-face interaction, thereby excluding the resource transfer process of both parties from the risky transfer process, thereby avoiding interception of the resource transfer; for example, the resource transfer includes resource transfer through QR code scanning, or resource transfer when the terminal distance between the two terminals is less than a threshold range.

[0023] In an optional implementation manner provided by this embodiment, before the step of obtaining wireless network data of the two terminals performing resource transfer in a preset time period is performed, the method further includes:

[0024] Querying the database for location data of both terminals within the preset time period;

[0025] If not, execute step S102;

[0026] If so, the terminal distance between the two terminals is calculated based on the location data of the two terminals in the preset time period.

[0027] Optionally, the database stores location data and / or wireless network data of the user terminal collected by the mobile application at various time points; the location data includes the location coordinates of the user terminal. For example, the database stores the GPS locations of both terminals involved in the resource transfer at each time point within a preset time period.

[0028] Specifically, after the collection authority of the user terminal is turned on, the data collection end collects the location data and / or wireless network data of the user terminal in real time, and uses the data storage service to store the location data and / or wireless network data in the database, so as to query the location data of the terminals of both parties performing resource transfer within a preset time period; wherein, the location data of the user terminal can be stored in the form of a location sequence. For example, if the location collection authority of both terminals performing resource transfer is turned on, the terminal location data of user A is collected and stored in the form of a location sequence {X1, X2, ..., Xm}, and the terminal location data of user B is stored in the form of a location sequence {Y1, Y2, ..., Yn}, where X1 is the GPS position of user A at the first time point.

[0029] In this embodiment, after calculating and obtaining the terminal distance between the first terminal and the second terminal within a preset time period, if the terminal distance is less than or equal to a preset threshold, resource transfer processing is directly performed between the first terminal and the second terminal to reduce the user interruption rate. In an optional implementation manner provided by this embodiment, if the querying database for the location data of the two terminals during the preset time period is performed and the result is yes, the following operation is performed:

[0030] Calculating the terminal distance between the first terminal and the second terminal in the preset time period based on the first location data of the first terminal and the second location data of the second terminal of the two terminals;

[0031] If the terminal distance is less than or equal to a preset distance threshold, resource transfer processing is performed between the first terminal and the second terminal.

[0032] During a specific execution process, the terminal distance may be obtained by calculating the position distance between the terminal position at each time point in the first position data and the terminal position at each time point in the second position data. In an optional implementation manner provided by this embodiment, calculating the terminal distance between the first terminal and the second terminal in the preset time period based on the first position data of the first terminal and the second position data of the second terminal of the two terminals includes:

[0033] The position distance between the terminal position at each time point in the first position data and the terminal position at each time point in the second position data is calculated, and the terminal distance is determined according to the calculated position distance.

[0034] Specifically, the position distance between the terminal position at each time point in the first position data and the terminal position at each time point in the second position data is calculated, and one of the obtained terminal distances is selected as the terminal distance; optionally, a specific distance among the calculated terminal position distances is used as the position distance, where the specific distance can be a minimum distance or other distance.

[0035] For example, the location data of the first terminal is the location sequence {X1, X2, ..., X10}, and the terminal location data of the second terminal is the location sequence {Y1, Y2, ..., Y10}, then the location distance between the first terminal and the second terminal is calculated by the GPS position of the first terminal at each of the 10 time points from X1 to X10 and the GPS position of the second terminal at each of the 10 time points from Y1 to Y10, and 100 location distances are obtained, from which the smallest location distance is selected as the terminal distance between the first terminal and the second terminal, where X1 represents the first 1 minute, X2 represents the second 1 minute, Y1 represents the first 1 minute, and Y2 represents the second 1 minute.

[0036] In addition, to enhance the accuracy of calculating the location distance, the terminal distance may also be obtained by calculating the location distance between the terminal location at each time point in the first location data and the terminal location at the corresponding time point in the second location data. In another optional implementation provided by this embodiment, the calculation of the terminal distance between the first terminal and the second terminal in the preset time period based on the first location data of the first terminal and the second location data of the second terminal of the two terminals further includes:

[0037] Calculate the position distance between the terminal position at each time point in the first position data and the terminal position at the corresponding time point in the second position data, and determine the terminal distance based on the calculated position distance.

[0038] Optionally, the corresponding time point refers to a time interval that corresponds to a time point in the first position data, for example, the first time interval in the second position data corresponding to a time point in the first position data.

[0039] For example, the location data of the first terminal is the location sequence {X1, X2, X3}, where X1 represents the first 1 minute, X2 represents the second 1 minute, and X3 represents the third 1 minute; the location data of the upper terminal of the second terminal is the location sequence {Y1, Y2, Y3}, where Y1 represents the first 3 minutes, Y2 represents the second 3 minutes, and Y3 represents the third 3 minutes. The location distance between the first terminal and the second terminal is calculated by the GPS position of the first terminal at the X1 time point and the GPS position of the second terminal in the Y1 time period. Similarly, 9 corresponding location distances are calculated and the minimum distance is selected from these 9 location distances as the terminal distance.

[0040] In a specific implementation, after calculating and obtaining the terminal distance between the first terminal and the second terminal within a preset time period, if the terminal distance is greater than a preset distance threshold, intercepting the resource transfer between the first terminal and the second terminal; in an optional implementation provided by this embodiment, after the step of calculating the terminal distance between the first terminal and the second terminal within the preset time period based on the first location data of the first terminal and the second location data of the second terminal, further includes:

[0041] If the terminal distance is greater than the preset distance threshold, intercepting the resource transfer between the first terminal and the second terminal.

[0042] Step S104 : querying whether the wireless network data of the two terminals respectively contain at least one network record recording the location of a network device.

[0043] After collecting the location data of the two terminals performing resource transfer in the preset time period, in order to make the recognition range of resource transfer scenarios wider, it is further determined whether to perform resource transfer processing on both terminals based on the wireless network data of the two terminals performing resource transfer in the preset time period.

[0044] During the specific execution process, in order to improve the efficiency of processing user resource transfer, it is first checked whether the wireless network data of the terminals of both parties respectively contain at least one network record that records the location of the network device; if not, the following step S106 is executed to detect whether there is a network record of the same wireless network in the wireless network data of the terminals of both parties.

[0045] In this embodiment, when the execution result after querying whether the wireless network data of the two terminals respectively contain at least one network record recording the location of the network device is contained, that is, the wireless network data of the first terminal contains the network record of the connected network device and / or the detected network device location, and the wireless network data of the second terminal contains the network record of the connected network device and / or the detected network device location, in order to make the resource transfer scenario identification more accurate, the subsequent operation is determined by judging the relationship between the terminal distance between the first terminal and the second terminal and the threshold; in an optional implementation manner provided by this embodiment, if the execution result after querying whether the wireless network data of the two terminals respectively contain at least one network record recording the location of the network device is contained, the following operation is performed:

[0046] Calculating the terminal distance between the first terminal and the second terminal in the preset time period based on the network device location information of the first terminal and the network device location information of the second terminal;

[0047] If the terminal distance is less than or equal to a preset distance threshold, performing resource transfer processing between the first terminal and the second terminal;

[0048] If the terminal distance is greater than the preset distance threshold, intercepting the resource transfer between the first terminal and the second terminal.

[0049] Optionally, the network device location information includes information recording the location of the network device, such as location information recording a Wi-Fi device to which the user terminal is connected.

[0050] During specific implementation, the terminal distance between the first terminal and the second terminal in a preset time period is calculated through the network device location and / or detected network device location of the first terminal in the two terminals and the network device location and / or detected network device location of the second terminal. If the terminal distance is less than or equal to the preset distance threshold, resource transfer processing is performed; if the terminal distance is greater than the preset distance threshold, interception is performed.

[0051] Specifically, the terminal distance can be obtained by calculating the position distance between the terminal position at each time point in the network device location information of the first terminal and the terminal position at each time point in the network device location information of the second terminal, and selecting one of the terminal distances obtained by calculation as the terminal distance; optionally, a specific distance among the terminal position distances obtained by calculation is used as the position distance, wherein the specific distance can be a minimum distance or other distance.

[0052] For example, the location information of the Wi-Fi device of the first terminal is a location sequence {X1, X2, ..., X10}, and the location information of the Wi-Fi device of the second terminal is a location sequence {Y1, Y2, ..., Y10}. Then, the location distance between the first terminal and the second terminal is calculated using the location information of the Wi-Fi device of the first terminal at each of the 10 time points X1 to X10 and the location information of the Wi-Fi device of the second terminal at each of the 10 time points Y1 to Y10. 100 location distances are obtained, and the smallest location distance is selected as the terminal distance between the first terminal and the second terminal, where X1 represents the first minute, X2 represents the second minute, Y1 represents the first minute, and Y2 represents the second minute.

[0053] Step S106: Detect whether there is a network record of the same wireless network in the wireless network data of the two terminals.

[0054] After the above query finds that the wireless network data of the terminals of both parties do not contain at least one network record recording the location of the network device, in this step, by detecting whether there is a network record of the same wireless network in the wireless network data of the terminals of both parties, it is determined whether to perform resource transfer processing on the terminals of both parties subsequently.

[0055] During a specific execution process, if the network data of both terminals does not contain at least one network record recording the location of the network device, or if the network data of one of the two terminals does not contain at least one network record recording the location of the network device, the network addresses and / or network identifiers carried in the network records in the wireless network data of both terminals are read, and it is detected whether the network addresses and / or network identifiers of the two terminals contain the network address and / or network identifier of the same wireless network to determine whether to perform subsequent resource transfer processing. In an optional implementation manner provided by this embodiment, detecting whether the wireless network data of the two terminals contain network records of the same wireless network includes:

[0056] Reading the network address and / or network identifier carried in the network record in the wireless network data of the terminals of both parties;

[0057] It is detected whether the network addresses and / or network identifiers of the terminals of both parties include the network address and / or network identifier of the same wireless network.

[0058] In the specific implementation process, in order to improve the recognition range of the user's resource transfer scenario, if the result of the step of detecting whether there is a network record of the same wireless network in the wireless network data of the two terminals is yes, the following step S108 is executed to perform resource transfer processing for the two terminals;

[0059] If the result of the step of detecting whether the network record of the same wireless network exists in the wireless network data of the two terminals is not found, in an optional implementation manner provided by this embodiment, if the result of the step of detecting whether the network record of the same wireless network exists in the wireless network data of the two terminals is not found, the following operations are performed:

[0060] The resource transfer between the first terminal and the second terminal is intercepted.

[0061] In addition, the terminal distance between the first terminal and the second terminal in the preset time period can also be calculated based on the terminals of both terminals that contain network device location information and the terminals that do not contain network device location information. In another optional implementation manner provided by this embodiment, if the execution result of the step of detecting whether the network records of the same wireless network exist in the wireless network data of the terminals of both terminals is not included, the following operations are performed:

[0062] Calculating the terminal distance between the first terminal and the second terminal in the preset time period based on the first terminal containing the network device location information and the second terminal containing the location data of the two terminals;

[0063] If the terminal distance is less than or equal to a preset distance threshold, performing resource transfer processing between the first terminal and the second terminal;

[0064] If the terminal distance is greater than the preset distance threshold, intercepting the resource transfer between the first terminal and the second terminal.

[0065] In this embodiment, during the process of intercepting the resource transfer between the first terminal and the second terminal, in order to further increase the accuracy of resource transfer scenario identification, whether to perform the resource transfer is determined by verifying the identity information of the transferring user. In an optional implementation manner provided by this embodiment, intercepting the resource transfer between the first terminal and the second terminal includes:

[0066] Displaying, on the resource transfer page of the transfer-out terminal of the two terminals, a reminder for verifying the identity authentication of the transfer-in user to which the transfer-in terminal belongs;

[0067] Verifying the identity information to be verified submitted through the resource transfer page with the identity information of the transferor;

[0068] If the verification is successful, performing resource transfer processing between the first terminal and the second terminal;

[0069] If the verification fails, the resource transfer between the first terminal and the second terminal is intercepted.

[0070] Optionally, the resource transfer page refers to the page displayed on the terminal when the resource transferring terminal transfers resources. When the transferring terminal initiates a resource transfer request, a reminder for verifying the identity authentication of the user corresponding to the receiving terminal is displayed on the resource transfer page of the transferring terminal. For example, the last four digits of the identity card of the receiving terminal are displayed on the resource transfer page of the transferring terminal, or the last four digits of the bank card can also be displayed.

[0071] Step S108: performing resource transfer processing between the two terminals.

[0072] In the above case where it is detected that the wireless network data of both terminals contain network records of the same wireless network, resource transfer processing of the both terminals is performed.

[0073] In summary, the resource transfer processing method provided in this embodiment obtains wireless network data from both terminals performing resource transfer during a preset time period to query whether the wireless network data of both terminals respectively contains at least one network record recording the location of a network device. If the wireless network data of both terminals does not contain at least one network record recording the location of a network device, the method then detects whether there is a network record for the same wireless network in the wireless network data of both terminals. If the presence of a network record for the same wireless network is detected in the wireless network data of both terminals, resource transfer processing is performed on both terminals, thereby improving the accuracy and scope of verifying resource transfer scenarios, thereby reducing the probability of users being hindered when performing resource transfers and improving the user experience.

[0074] Furthermore, before executing the step of obtaining the wireless network data of the two terminals performing resource transfer in the preset time period, it also includes: querying the database whether there is location data of the two terminals in the preset time period; if so, calculating the terminal distance between the first terminal and the second terminal in the preset time period based on the first location data of the first terminal and the second location data of the second terminal in the two terminals; if the terminal distance is less than or equal to the preset distance threshold, performing resource transfer processing between the first terminal and the second terminal, thereby reducing the user disturbance rate and making the user's resource transfer processing process more convenient.

[0075] The following takes the application of a resource transfer processing method provided by this embodiment in a "face-to-face" offline transfer scenario as an example, combined with Figure 2 , for further explanation of the resource transfer processing method provided in this embodiment, see Figure 2 , a resource transfer processing method applied to the "face-to-face" offline transfer scenario specifically includes the following steps.

[0076] Step S202 : calculating the distance between the GPS position of the first terminal at each time point in the preset time period and the GPS position of the second terminal at each time point in the preset time period.

[0077] Step S204: The minimum position distance among the calculated position distances is used as the terminal distance.

[0078] Step S206: If the terminal distance is less than or equal to the preset distance threshold, a face-to-face resource transfer process is performed between the first terminal and the second terminal.

[0079] Step S208: Check whether the Wi-Fi data of both terminals contain at least one network record recording the location of the Wi-Fi device;

[0080] If not included, execute the following step S210;

[0081] If included, execute the following steps S216 to S220.

[0082] Step S210, detecting whether the Wi-Fi data of both terminals contain the same WiFi Mac address;

[0083] If not present, execute the following steps S212 to S214;

[0084] If so, execute the following step S220.

[0085] Step S212: intercepting the resource transfer between the first terminal and the second terminal.

[0086] Step S214: Displaying an identity verification reminder of the transferee user to whom the transferee terminal belongs on the resource transfer page of the transfer-out terminal in both terminals.

[0087] Step S216 : Calculate the terminal distance between the first terminal and the second terminal in a preset time period according to the Wi-Fi device location of the first terminal and the Wi-Fi device location of the second terminal.

[0088] Step S218: The minimum distance among the calculated distances is used as the terminal distance.

[0089] Step S220: If the terminal distance is greater than a preset distance threshold, intercepting the resource transfer between the first terminal and the second terminal.

[0090] Step S222: Perform resource transfer processing between the two terminals.

[0091] Among them, step S206 can be replaced by, if the terminal distance is greater than the preset distance threshold, obtaining Wi-Fi data of both terminals performing resource transfer in a preset time period, and forming a new implementation method together with other processing steps provided in this embodiment.

[0092] An embodiment of a resource transfer processing device provided in this specification is as follows:

[0093] In the above embodiment, a method for resource transfer processing is provided. Correspondingly, an apparatus for resource transfer processing is also provided, which will be described below with reference to the accompanying drawings.

[0094] Reference Figure 3 , which shows a schematic diagram of a device for resource transfer processing provided by this embodiment.

[0095] Since the device embodiment corresponds to the method embodiment, the description is relatively simple. For the relevant parts, please refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0096] This embodiment provides a resource transfer processing device, including:

[0097] The data acquisition module 302 is configured to acquire wireless network data of the terminals of both parties performing resource transfer in a preset time period; the wireless network data is composed of network records at each collection time point in the preset time period;

[0098] A query module 304 is configured to query whether the wireless network data of the two terminals respectively contain at least one network record recording a location of a network device;

[0099] If not included, running the detection module 306, the detection module is configured to detect whether there is a network record of the same wireless network in the wireless network data of the two terminals;

[0100] If yes, the processing module 308 is executed, and the processing module is configured to perform resource transfer processing of the two terminals.

[0101] An embodiment of a resource transfer processing device provided in this specification is as follows:

[0102] Corresponding to the resource transfer processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a resource transfer processing device, which is used to perform the resource transfer processing method provided above. Figure 4 A schematic diagram of the structure of a resource transfer processing device provided in one or more embodiments of this specification.

[0103] This embodiment provides a resource transfer processing device, including:

[0104] like Figure 4 As shown, the resource transfer processing device may have relatively large differences due to different configurations or performances, and may include one or more processors 401 and memory 402, and the memory 402 may store one or more storage applications or data. Among them, the memory 402 can be a temporary storage or a persistent storage. The application stored in the memory 402 may include one or more modules (not shown in the figure), and each module may include a series of computer-executable instructions in the resource transfer processing device. Furthermore, the processor 401 can be configured to communicate with the memory 402 to execute the series of computer-executable instructions in the memory 402 on the resource transfer processing device. The resource transfer processing device may also include one or more power supplies 403, one or more wired or wireless network interfaces 404, one or more input / output interfaces 405, one or more keyboards 406, etc.

[0105] In a specific embodiment, a resource transfer processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the resource transfer processing device, and the one or more programs are configured to be executed by one or more processors, including computer-executable instructions for performing the following:

[0106] Acquiring wireless network data of the terminals of both parties performing resource transfer in a preset time period; the wireless network data is composed of network records at each collection time point in the preset time period;

[0107] querying whether the wireless network data of the two terminals respectively contain at least one network record recording a location of a network device;

[0108] If not included, detecting whether there is a network record of the same wireless network in the wireless network data of the two terminals;

[0109] If so, the resource transfer process of the two terminals is performed.

[0110] An embodiment of a storage medium provided in this specification is as follows:

[0111] Corresponding to the resource transfer processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a storage medium.

[0112] The storage medium provided in this embodiment is used to store computer-executable instructions. When the computer-executable instructions are executed by a processor, the following process is implemented:

[0113] Acquiring wireless network data of the terminals of both parties performing resource transfer in a preset time period; the wireless network data is composed of network records at each collection time point in the preset time period;

[0114] querying whether the wireless network data of the two terminals respectively contain at least one network record recording a location of a network device;

[0115] If not included, detecting whether there is a network record of the same wireless network in the wireless network data of the two terminals;

[0116] If so, the resource transfer process of the two terminals is performed.

[0117] It should be noted that the embodiment of the storage medium in this specification and the embodiment of the resource transfer processing method in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0118] The foregoing description of this specification describes specific embodiments. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in an order different from that described in the embodiments and still achieve the desired results. Furthermore, the processes depicted in the accompanying drawings do not necessarily require the specific order shown or the sequential order to achieve the desired results. In certain embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0119] In the 1930s, technological improvements could be clearly distinguished as either hardware improvements (for example, improvements to circuit structures like diodes, transistors, and switches) or software improvements (improvements to process flows). However, with the advancement of technology, many process flow improvements today can now be considered direct improvements to hardware circuit structures. Designers almost always create the corresponding hardware circuit structure by programming the improved process flow into the hardware circuit. Therefore, it cannot be said that a process flow improvement cannot be implemented using hardware modules. For example, a programmable logic device (PLD), such as a field programmable gate array (FPGA), is an integrated circuit whose logical function is determined by user programming. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to hire a chip manufacturer to design and manufacture a dedicated integrated circuit chip. Moreover, nowadays, instead of manually fabricating integrated circuit chips, this programming is mostly done using "logic compiler" software. This is similar to the software compiler used when developing programs. Before compilation, the original code must also be written in a specific programming language, called a hardware description language (HDL). There is not just one HDL, but many, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art will also understand that by simply programming the method flow in one of these hardware description languages ​​and then programming it into an integrated circuit, a hardware circuit that implements the logic method flow can be easily obtained.

[0120] The controller can be implemented in any suitable manner. For example, the controller can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller. Examples of controllers include, but are not limited to, the following microcontrollers: ARC625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320. The memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also know that in addition to implementing the controller in a purely computer-readable program code format, the controller can be implemented in the form of logic gates, switches, an application-specific integrated circuit, a programmable logic controller, and an embedded microcontroller by logically programming the method steps. Therefore, such a controller can be considered a hardware component, and the means for implementing various functions included therein can also be considered as structures within the hardware component. Or even, the means for implementing various functions can be considered as both a software module implementing the method and a structure within the hardware component.

[0121] The systems, devices, modules, or units described in the above embodiments may be implemented by computer chips or entities, or by products having certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0122] For the convenience of description, the above devices are described as being divided into various units according to their functions. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0123] Those skilled in the art will appreciate that one or more embodiments of this specification may be provided as a method, system, or computer program product. Thus, one or more embodiments of this specification may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this specification may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0124] This specification is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of this specification. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0125] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0126] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0127] In a typical configuration, a computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.

[0128] Memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

[0129] Computer-readable media includes permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. The information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory media such as modulated data signals and carrier waves.

[0130] It should also be noted that the terms "comprises," "includes," or any other variations thereof are intended to encompass non-exclusive inclusion, such that a process, method, commodity, or apparatus that includes a series of elements includes not only those elements but also other elements not explicitly listed, or includes elements inherent to such process, method, commodity, or apparatus. In the absence of further limitations, an element defined by the phrase "comprises a ..." does not exclude the presence of other identical elements in the process, method, commodity, or apparatus that includes the element.

[0131] One or more embodiments of this specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, and the like that perform specific tasks or implement specific abstract data types. One or more embodiments of this specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communications network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0132] The various embodiments in this specification are described in a progressive manner. Similar parts between the various embodiments can be referred to in conjunction with each other. Each embodiment focuses on the differences between the other embodiments. In particular, the system embodiments are generally similar to the method embodiments, so the description is relatively simple. For relevant parts, refer to the description of the method embodiments.

[0133] The foregoing description is merely an example of the present invention and is not intended to limit the present invention. Persons skilled in the art will readily appreciate that various modifications and variations of the present invention are possible. Any modifications, equivalent substitutions, or improvements made within the spirit and principles of the present invention are intended to be included within the scope of the claims herein.

Claims

1. A resource transfer processing method, comprising: Obtaining wireless network data of the terminals of both parties performing resource transfer in a preset time period; The wireless network data is composed of network records at each collection time point within the preset time period; querying whether the wireless network data of the terminals of both parties respectively contain at least one network record recording a network device location; the network device location includes the device location coordinates of the wireless network to which the terminal is connected; If included, calculating a location distance using location information at each time point in the network device location information of the first terminal and location information at each time point in the network device location information of the second terminal, using a specific distance in the calculated location distance as a terminal distance, and performing resource transfer processing between the first terminal and the second terminal if the terminal distance is less than or equal to a preset distance threshold; If not included, detect whether there is a network record of the same wireless network in the wireless network data of the two terminals; if not, calculate the terminal distance between the first terminal and the second terminal in the preset time period based on the first terminal containing network device location information and the second terminal containing location data among the two terminals; if the terminal distance is greater than the preset distance threshold, intercept the resource transfer between the first terminal and the second terminal.

2. The resource transfer processing method according to claim 1, before the step of obtaining wireless network data of the two terminals performing resource transfer in a preset time period is performed, further comprising: Querying the database for location data of both terminals within the preset time period; If not, the step of obtaining wireless network data of the two terminals performing resource transfer in a preset time period is performed.

3. The resource transfer processing method according to claim 2, if the querying database for the location data of the terminals of both parties after the step of performing ... Calculating the terminal distance between the first terminal and the second terminal in the preset time period based on the first location data of the first terminal and the second location data of the second terminal of the two terminals; If the terminal distance is less than or equal to a preset distance threshold, resource transfer processing is performed between the first terminal and the second terminal.

4. The resource transfer processing method according to claim 3, wherein the calculating the terminal distance between the first terminal and the second terminal in the preset time period based on the first location data of the first terminal and the second location data of the second terminal comprises: Calculating the position distance between the terminal position at each time point in the first position data and the terminal position at each time point in the second position data, and determining the terminal distance based on the calculated position distance; or, Calculate the position distance between the terminal position at each time point in the first position data and the terminal position at the corresponding time point in the second position data, and determine the terminal distance based on the calculated position distance.

5. The resource transfer processing method according to claim 3, further comprising: after the step of calculating the terminal distance between the first terminal and the second terminal during the preset time period based on the first location data of the first terminal and the second location data of the second terminal. If the terminal distance is greater than the preset distance threshold, intercepting the resource transfer between the first terminal and the second terminal.

6. The resource transfer processing method according to claim 1, wherein detecting whether there is a network record of the same wireless network in the wireless network data of the two terminals comprises: Reading the network address and / or network identifier carried in the network record in the wireless network data of the terminals of both parties; It is detected whether the network addresses and / or network identifiers of the terminals of both parties include the network address and / or network identifier of the same wireless network.

7. The resource transfer processing method according to claim 1, if the querying step of whether the wireless network data of the terminals of both parties respectively contains at least one network record recording the location of a network device is performed, performing the following operations: Calculating the terminal distance between the first terminal and the second terminal in the preset time period based on the network device location information of the first terminal and the network device location information of the second terminal; If the terminal distance is greater than the preset distance threshold, intercepting the resource transfer between the first terminal and the second terminal.

8. The resource transfer processing method according to claim 1, if the step of detecting whether there is a network record of the same wireless network in the wireless network data of the two terminals is executed as a result of no, performing the following operations: The resource transfer between the first terminal and the second terminal is intercepted.

9. The resource transfer processing method according to claim 8, wherein intercepting the resource transfer between the first terminal and the second terminal comprises: Displaying, on the resource transfer page of the transfer-out terminal of the two terminals, a reminder for verifying the identity authentication of the transfer-in user to which the transfer-in terminal belongs; Verifying the identity information to be verified submitted through the resource transfer page with the identity information of the transferor; If the verification is successful, performing resource transfer processing between the first terminal and the second terminal; If the verification fails, the resource transfer between the first terminal and the second terminal is intercepted.

10. The resource transfer processing method according to claim 1, further comprising: after the step of calculating the terminal distance between the first terminal and the second terminal during the preset time period based on the first terminal containing network device location information and the second terminal containing location data. If the terminal distance is less than or equal to the preset distance threshold, resource transfer processing is performed between the first terminal and the second terminal.

11. A resource transfer processing device, comprising: A data acquisition module configured to acquire wireless network data of terminals of both parties performing resource transfer in a preset time period; The wireless network data is composed of network records at each collection time point within the preset time period; a query module configured to query whether the wireless network data of the two terminals respectively contain at least one network record recording a network device location; the network device location includes the device location coordinates of the wireless network to which the terminal is connected; if so, calculate a location distance using location information at each time point in the network device location information of the first terminal and location information at each time point in the network device location information of the second terminal, use a specific distance in the calculated location distance as a terminal distance, and if the terminal distance is less than or equal to a preset distance threshold, perform resource transfer processing between the first terminal and the second terminal; If not included, running a detection module, the detection module is configured to detect whether there is a network record of the same wireless network in the wireless network data of the two terminals; If it does not exist, the processing module is run, and the processing module is configured to calculate the terminal distance between the first terminal and the second terminal in the preset time period based on the first terminal containing network device location information and the second terminal containing location data in the two terminals; if the terminal distance is greater than the preset distance threshold, the resource transfer between the first terminal and the second terminal is intercepted.

12. A resource transfer processing device, comprising: processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: Acquiring wireless network data of the terminals of both parties performing resource transfer in a preset time period; the wireless network data is composed of network records at each collection time point in the preset time period; querying whether the wireless network data of the two terminals respectively contain at least one network record recording a network device location; the network device location includes the device location coordinates of the wireless network to which the terminal is connected; if so, calculating a location distance using location information at each time point in the network device location information of the first terminal and location information at each time point in the network device location information of the second terminal, using a specific distance in the calculated location distance as a terminal distance, and if the terminal distance is less than or equal to a preset distance threshold, performing resource transfer processing between the first terminal and the second terminal; If not included, detecting whether there is a network record of the same wireless network in the wireless network data of the two terminals; If it does not exist, the terminal distance between the first terminal and the second terminal in the preset time period is calculated based on the first terminal containing the network device location information and the second terminal containing the location data of the two terminals; if the terminal distance is greater than the preset distance threshold, the resource transfer between the first terminal and the second terminal is intercepted.

13. A storage medium for storing computer-executable instructions, wherein the computer-executable instructions, when executed by a processor, implement the following process: Acquiring wireless network data of the terminals of both parties performing resource transfer in a preset time period; the wireless network data is composed of network records at each collection time point in the preset time period; querying whether the wireless network data of the two terminals respectively contain at least one network record recording a network device location; the network device location includes the device location coordinates of the wireless network to which the terminal is connected; if so, calculating a location distance using location information at each time point in the network device location information of the first terminal and location information at each time point in the network device location information of the second terminal, using a specific distance in the calculated location distance as a terminal distance, and if the terminal distance is less than or equal to a preset distance threshold, performing resource transfer processing between the first terminal and the second terminal; If not included, detecting whether there is a network record of the same wireless network in the wireless network data of the two terminals; If it does not exist, the terminal distance between the first terminal and the second terminal in the preset time period is calculated based on the first terminal containing the network device location information and the second terminal containing the location data of the two terminals; if the terminal distance is greater than the preset distance threshold, the resource transfer between the first terminal and the second terminal is intercepted.

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