Resource transfer method and device, equipment, storage medium and program product

Abstract

The invention relates to a resource transfer method and device, equipment, a storage medium and a program product, and the method relates to the technical field of artificial intelligence, and the method comprises the steps: obtaining resource transfer information of a target user in response to a resource transfer handling request of the target user; wherein the resource transfer handling request is triggered when the target user requests to carry out resource transfer through the resource lending voucher; and according to the resource transfer information and the various biological characteristic information, carrying out transaction confirmation of resource transfer to the target user, and then under the condition that the transaction confirmation is successful, carrying out resource transfer on the target user through the resource lending voucher. According to the method, the security of resource transfer through the resource transfer voucher is improved.

Description

Technical Field

[0001] The present application relates to the field of artificial intelligence technology, and in particular to a resource transfer method, device, equipment, storage medium and program product. Background Art

[0002] With the development of digital economy, more and more people choose to use resource loan vouchers to transfer resources. For example, when it is necessary to transfer resources in a user's resource loan voucher, the resource transfer can be performed directly by swiping the user's resource loan voucher.

[0003] However, the resource transfer method in the related art has the problem of low security. Summary of the invention

[0004] Based on this, it is necessary to provide a resource transfer method, device, equipment, storage medium and program product to address the above technical problems, which can improve the security of the resource transfer process.

[0005] In a first aspect, the present application provides a resource transfer method, which is applied to a resource transfer management platform, comprising:

[0006] In response to a resource transfer processing request of a target user, obtaining resource transfer information of the target user; the resource transfer processing request is triggered when the target user requests resource transfer through a resource loan voucher;

[0007] According to the resource transfer information and multiple biometric information, the resource transfer is confirmed to the target user;

[0008] If the confirmation is successful, resources will be transferred to the target user through the resource loan voucher.

[0009] In one embodiment, obtaining resource transfer information of a target user includes:

[0010] Obtain the resource transfer type, resource transfer amount and resource transfer time of the target user;

[0011] Determine the resource transfer information of the target user based on the resource transfer type, resource transfer amount and resource transfer time.

[0012] In one embodiment, based on the resource transfer information and multiple biometric information, the resource transfer confirmation is performed to the target user, including:

[0013] Sending the resource transfer information to the target user to instruct the target user to confirm the correctness of the resource transfer information;

[0014] When the target user confirms that the resource transfer information is correct, the target user's confirmation result on the resource transfer is obtained based on the target user's multiple biometric information and resource transfer information.

[0015] In one embodiment, the multiple biometric information includes a face image and a voice command; obtaining the target user's confirmation result on the resource transfer based on the multiple biometric information and resource transfer information of the target user includes:

[0016] Sending a facial image acquisition instruction to the target user;

[0017] When the face image sent by the target user passes the verification, the identification information of the resource loan voucher of the target user is obtained;

[0018] Sending a resource transfer voice request to the target user according to the identification information of the resource loan voucher and the resource transfer information;

[0019] receiving a voice response message returned by the target user according to the resource transfer voice request;

[0020] According to the voice response message, the target user obtains the confirmation result of the resource transfer.

[0021] In one embodiment, obtaining identification information of a resource loan voucher of a target user includes:

[0022] According to the face image of the target user, the face image of the target user is identified to determine the identity information of the target user;

[0023] Acquire at least one candidate resource loan voucher corresponding to the identity information of the target user;

[0024] Display the selection page of each candidate resource secondment voucher;

[0025] The identification information of the candidate resource secondment voucher selected by the target user on the selection page is determined as the identification information of the resource secondment voucher of the target user.

[0026] In one embodiment, transferring resources to a target user through a resource loan voucher includes:

[0027] Obtain the amount of resources that can be borrowed corresponding to the resource borrowing voucher, and obtain the amount of resource transfer corresponding to the resource transfer processing request based on the resource transfer information;

[0028] If the amount of resources available for loan is greater than or equal to the amount of resource transfer, an amount equal to the amount of resource transfer will be deducted from the resource loan voucher to complete the resource transfer requested by the target user.

[0029] In one embodiment, the method further comprises:

[0030] If the amount of resources available for loan in the target user's resource loan voucher is less than the amount of resources to be transferred, the resource transfer process is determined to have failed.

[0031] In one embodiment, the method further comprises:

[0032] When the resource transfer is successful, the remaining amount of loanable resources in the resource loan voucher will be output.

[0033] In a second aspect, the present application further provides a resource transfer device, comprising:

[0034] An acquisition module, used to respond to a resource transfer processing request of a target user and acquire resource transfer information of the target user; the resource transfer processing request is triggered when the target user requests resource transfer through a resource loan voucher;

[0035] The confirmation module is used to confirm the resource transfer to the target user based on the resource transfer information and multiple biometric information;

[0036] The transfer module is used to transfer resources to the target user through the resource loan voucher when the confirmation is successful.

[0037] In a third aspect, an embodiment of the present application provides a computer device, including a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the steps of any one of the methods provided in the embodiment of the first aspect are implemented.

[0038] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium having a computer program stored thereon, and when the computer program is executed by a processor, the steps of any one of the methods provided in the embodiment of the first aspect above are implemented.

[0039] In a fifth aspect, an embodiment of the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the steps of any one of the methods provided in the embodiments of the first aspect above.

[0040] The resource transfer method, device, equipment, storage medium and program product described above obtain the resource transfer information of the target user in response to the resource transfer request of the target user; wherein the resource transfer request is triggered when the target user requests to transfer resources through a resource loan voucher; based on the resource transfer information and a variety of biometric information, the resource transfer is confirmed to the target user, and then when the confirmation is successful, the resource is transferred to the target user through the resource loan voucher. In this method, since the biometric information can characterize the identity of the target user, the resource transfer of the target user's resource loan voucher through the biometric information can improve the security of the resource transfer; in addition, the resource transfer through the biometric information does not require the user to enter cumbersome account and password information, but only needs to perform simple biometric identification, which improves the convenience of operation and the user experience of the target user when transferring resources, and realizes the intelligence of resource transfer. BRIEF DESCRIPTION OF THE DRAWINGS

[0041] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the related technologies, the drawings required for use in the embodiments or the related technical descriptions are briefly introduced below. 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 paying creative work.

[0042] Figure 1 An application environment diagram of a resource transfer method in an embodiment;

[0043] Figure 2 A schematic diagram of a resource transfer method in one embodiment;

[0044] Figure 3 A schematic diagram of a flow chart of a resource transfer method in another embodiment;

[0045] Figure 4 A schematic diagram of a flow chart of a resource transfer method in another embodiment;

[0046] Figure 5 A schematic diagram of a flow chart of a resource transfer method in another embodiment;

[0047] Figure 6 A schematic diagram of a flow chart of a resource transfer method in another embodiment;

[0048] Figure 7 A schematic diagram of a flow chart of a resource transfer method in another embodiment;

[0049] Figure 8 A schematic diagram of a flow chart of a resource transfer method in another embodiment;

[0050] Fig. 9 is a structural block diagram of a resource transfer device in an embodiment;

[0051] Fig.10 FIG. 4 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0052] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0053] The resource transfer method provided in the embodiment of the present application can be applied to Figure 1 In the application environment shown. Among them, the resource transfer management platform 102 can communicate with the target user 104. Among them, the resource transfer management platform 102 can be integrated in a server or a terminal device, and the terminal can be but not limited to various personal computers, laptops, smart phones, tablet computers, Internet of Things devices and portable wearable devices. The Internet of Things devices can be smart speakers, smart TVs, smart air conditioners, smart car-mounted devices, etc. Portable wearable devices can be smart watches, smart bracelets, head-mounted devices, etc. The server can be implemented as an independent server or a server cluster consisting of multiple servers.

[0054] In the related art, as the issuance of resource borrowing vouchers continues to increase, more and more people choose to use resource borrowing vouchers to transfer resources. At present, the ways to transfer resources through resource borrowing vouchers include swiping resource borrowing vouchers, scanning codes or binding resource borrowing vouchers to transfer resources, etc. However, the security of the resource transfer methods in the related art is relatively low.

[0055] Based on this, an embodiment of the present application provides a resource transfer method, which improves the security of resource transfer by applying face recognition technology, speech synthesis technology and speech recognition technology in the field of artificial intelligence to the scenario of resource transfer using resource loan vouchers.

[0056] Among them, speech recognition technology is to convert the vocabulary content in human speech into computer-readable input, such as keys, binary codes or character sequences. Speech synthesis technology is to convert text information generated by the computer itself or externally input into understandable and fluent Chinese spoken output. The main purpose of the embodiment of the present application is to flexibly apply face recognition technology, speech synthesis technology and speech recognition technology to the resource transfer scenario of resource loan vouchers to improve the security of resource transfer; and, through face and voice methods, it can also free the user's hands, improve the convenience of resource transfer, and realize the intelligence of resource transfer.

[0057] In an exemplary embodiment, Figure 2 As shown, a resource transfer method is provided, which is applied to Figure 1 The resource transfer management platform in the example is used as an example to illustrate, including the following steps:

[0058] S201, in response to a resource transfer processing request of a target user, obtaining resource transfer information of the target user; the resource transfer processing request is triggered when the target user requests resource transfer through a resource loan voucher.

[0059] Among them, resources are an objective form of existence with a certain amount of accumulation in nature and human society that can be used to create material and spiritual wealth. Resources include assets, funds, people, finance, materials, information, customers, technology, supply chain, etc.

[0060] The target user is any user who needs to transfer resources through a resource loan voucher; the resource loan voucher can be the voucher required when borrowing resources from a certain institution; for example, if the resource is a book, the resource transfer loan voucher can be a library card; if the resource is funds, the resource loan voucher can be a credit card, bank card, etc.

[0061] A resource transfer request is a processing instruction for a resource transfer business. When the target user needs to transfer resources through a resource loan voucher, a resource transfer request will be generated and sent to the resource transfer management platform. The resource transfer request can be sent to the resource transfer management platform in the following ways: the target user generates a resource transfer request through a user terminal and sends the resource transfer request to the resource transfer management platform through the user terminal; the resource transfer request can also be sent to the resource transfer management platform in the following ways: the resource transfer management platform generates a resource transfer request through the resource transfer information input by the user on the resource transfer management platform.

[0062] Optionally, the resource transfer request may include the target user's identity information, the type, quantity, time, duration, use and purpose of the resource transfer, etc., and the target user's identity information, the type, quantity, time, duration, use and purpose of the resource transfer in the resource transfer request is directly determined as the target user's resource transfer information.

[0063] S202, confirming the resource transfer to the target user based on the resource transfer information and multiple biometric information.

[0064] After obtaining the resource transfer information of the target user, obtain multiple biometric information of the target user, and based on the identity information of the target user in the target transfer information, obtain multiple biometric information corresponding to the identity information of the target user from the database, and compare the multiple biometric information of the target user with the multiple biometric information corresponding to the identity information of the target user in the database to ensure the accuracy of the multiple biometric information of the target user.

[0065] When the target user's multiple biometric information is confirmed to be accurate, the user is confirmed whether the resource transfer information is correct. If the resource transfer information is correct, the target user is confirmed to complete the resource transfer. The resource transfer confirmation to the target user can be voice confirmation, signature confirmation, etc.

[0066] S203: When the confirmation is successful, resources are transferred to the target user through the resource loan voucher.

[0067] Confirm the resource transfer to the target user, and the target user can confirm the resource transfer, wherein the result of the target user confirming the resource transfer includes successful confirmation or failed confirmation; successful confirmation means that the target user confirms to process the resource transfer, and failed confirmation means that the target user confirms not to process the resource transfer.

[0068] Among them, the method for the target user to successfully confirm the processing may be that the resource transfer management platform confirms the processing of resource transfer to the target user, and the target user confirms the resource transfer within a preset time period, and it is determined that the target user has successfully confirmed the processing; the method for the target user to fail to confirm the processing may be that the resource transfer management platform confirms the processing of resource transfer to the target user, and the target user confirms within the preset time period that the resource transfer will not be processed or the target user does not confirm the processing of resource transfer within the preset time period.

[0069] If the confirmation is successful, resources can be transferred to the target user through the resource loan voucher.

[0070] Among them, the resource borrowing information can be recorded, and then the resource transfer information of the target user can be sent to the resource management server, and then the resource management server can transfer the resources according to the resource transfer information, and record the transfer data in the resource borrowing voucher to adjust the information in the resource borrowing voucher.

[0071] For example, if the resource borrowing voucher is a library card, and the target user's resource transfer information includes borrowing a book, then the book is borrowed from the target user, and the target user's resource transfer voucher is recorded as saying that the target user borrowed a book within a certain period of time, including detailed information about the book, etc.; if the resource borrowing voucher is a credit card, the bank can transfer the corresponding amount of resources to the target user's resource transferor according to the resource transfer amount in the target user's resource transfer information, and record it in the credit card, adjust the borrowing amount of the credit card, and so on.

[0072] In the resource transfer method provided in the embodiment of the present application, in response to the resource transfer processing request of the target user, the resource transfer information of the target user is obtained; wherein, the resource transfer processing request is triggered when the target user requests to transfer resources through a resource loan voucher; based on the resource transfer information and a variety of biometric information, the resource transfer processing confirmation is made to the target user, and then, if the processing confirmation is successful, the resource transfer is performed to the target user through the resource loan voucher. In this method, since the biometric information can characterize the identity of the target user, the resource transfer of the target user's resource loan voucher through the biometric information can improve the security of the resource transfer; in addition, through the resource transfer of biometric information, the user does not need to enter cumbersome account and password information, but only needs to perform simple biometric identification, which improves the convenience of operation and the user experience of the target user when performing resource transfer, and realizes the intelligence of resource transfer.

[0073] The following describes how to obtain the resource transfer information of the target user through an embodiment. In an exemplary embodiment, Figure 3 As shown, obtaining the resource transfer information of the target user includes the following steps:

[0074] S301, obtaining the resource transfer type, resource transfer amount and resource transfer time of the target user.

[0075] The resource transfer type may indicate the type of resource transfer service, the resource transfer amount may indicate the amount of resource transfer, and the resource transfer time may indicate the time when the target user makes the resource transfer. Taking buying clothes as an example, the resource transfer type may be shopping, the resource transfer amount may be the amount of money spent by the target user on buying clothes, and the resource transfer time may be the time of buying clothes; taking borrowing books as an example, the resource transfer type may be borrowing books, the resource transfer amount may be the amount of borrowed books, and the resource transfer time may be the time of borrowing books.

[0076] Among them, the method for obtaining the target user's resource transfer type, resource transfer amount and resource transfer time can be to obtain the resource transfer type and resource transfer amount input by the target user on the resource transfer management platform. When the target user enters the resource transfer type and resource transfer amount, the resource transfer time will be automatically generated. The resource transfer time is the time when the user enters the resource transfer type and resource transfer amount.

[0077] The method for obtaining the target user's resource transfer type, resource transfer amount and resource transfer time can also be that the resource recipient determines the target user's resource transfer type and resource transfer amount based on the target user's resource transfer business, and then inputs the resource transfer type and resource transfer amount into the resource transfer management platform. The resource transfer management platform uses the time when the resource transfer type and resource transfer amount are received as the resource transfer time.

[0078] The method for obtaining the resource transfer type, resource transfer amount and resource transfer time of the target user can also be that the resource transfer management platform receives the resource transfer type, resource transfer amount and resource transfer time sent by the user terminal of the target user, or the resource transfer management platform receives the resource transfer type and resource transfer amount sent by the user terminal of the target user and uses the time of receiving the resource transfer type and resource transfer amount as the resource transfer time.

[0079] The above resource transfer time is the current calendar time; optionally, the resource transfer time may also be the time when the target user needs to transfer resources, and the resource transfer time may be determined by the target user according to the needs; the resource transfer is performed at the resource transfer time.

[0080] S302: Determine the resource transfer information of the target user according to the resource transfer type, resource transfer amount and resource transfer time.

[0081] The resource transfer type, resource transfer amount and resource transfer time are determined as the resource transfer information of the target user.

[0082] Optionally, the resource transfer service sheet of the target user can also be determined based on the resource transfer type, resource transfer amount and resource transfer time, wherein the resource transfer service sheet includes the resource transfer type, resource transfer amount and resource transfer time of the target user, and then the resource transfer service sheet is determined as the resource transfer information of the target user.

[0083] The resource transfer information may be an electronic resource transfer business form or a paper resource transfer business form.

[0084] In the resource transfer method provided in the embodiment of the present application, the resource transfer type, resource transfer amount and resource transfer time of the target user are first obtained, and the resource transfer information of the target user is determined according to the resource transfer type, resource transfer amount and resource transfer time. In this method, the resource transfer information of the target user is determined by the resource transfer type, resource transfer amount and resource transfer time, so that the resource transfer information of the target user is clearer, and the efficiency of resource transfer to the user is improved.

[0085] The following is an example of how to confirm resource transfer to a target user based on resource transfer information and multiple biometric information. Figure 4 As shown, based on the resource transfer information and multiple biometric information, the resource transfer confirmation is performed to the target user, including the following steps:

[0086] S401, sending resource transfer information to a target user to instruct the target user to confirm the correctness of the resource transfer information.

[0087] The electronic version of the resource transfer information may be sent to the user terminal of the target user, so that the target user can confirm whether the resource transfer information received by the user terminal is correct.

[0088] The paper version of the resource transfer information may also be sent to the target user so that the target user can confirm the correctness of the received resource transfer information; the sending method includes mailing and the like.

[0089] Confirming the correctness of the resource transfer information includes: confirming whether the resource transfer type, resource transfer amount, resource transfer time and other information in the resource transfer information are correct.

[0090] S402, when the target user confirms that the resource transfer information is correct, the target user's confirmation result on the resource transfer is obtained according to the target user's multiple biometric information and resource transfer information.

[0091] The various biometric information includes facial images and voice commands; in an exemplary embodiment, Figure 5 As shown, according to the target user's multiple biometric information and resource transfer information, obtaining the target user's confirmation result on the resource transfer includes the following steps:

[0092] S501, sending a face image acquisition instruction to a target user.

[0093] When the target user confirms that the resource transfer information is correct, the resource transfer management platform generates a face image acquisition instruction and sends the face image acquisition instruction to the target user.

[0094] Among them, the resource transfer management platform can send the face image collection instruction directly to the target user. After the target user receives the face image collection instruction, the face image of the target user can be collected through the face recognition device, and the face recognition device will send the face image to the resource transfer management platform.

[0095] The resource transfer management platform may also send a facial image acquisition instruction to a user terminal of the target user, and the target user sends the facial image to the resource transfer management platform via the user terminal.

[0096] After receiving the facial image, the resource transfer management platform can verify the facial image, for example, verify whether the received image is a complete face.

[0097] S502: When the face image sent by the target user is verified, obtain identification information of the resource loan voucher of the target user.

[0098] When the resource transfer management platform verifies the facial image sent by the target user, the identification information of the resource secondment voucher of the target user is obtained.

[0099] Among them, when the resource transfer management platform determines that the facial image sent by the target user has passed the verification, it sends a request for obtaining the identification of the resource borrowing certificate to the target user. After the target user receives the identification request sent by the resource transfer management platform, the target user sends the identification of the resource borrowing certificate of the target user to the resource transfer management platform; the identification of the resource borrowing certificate can uniquely identify the resource borrowing certificate; for example, if the resource borrowing certificate is a credit card, the identification of the resource borrowing certificate can be the credit card number; if the resource borrowing certificate is a library card, the identification of the resource borrowing certificate can be the library card number.

[0100] S503: Send a resource transfer voice request to the target user according to the identification information of the resource loan voucher and the resource transfer information.

[0101] The resource transfer management platform generates a resource transfer voice request based on the identification information of the resource secondment voucher and the resource transfer information, and sends the resource transfer voice request to the target user; wherein the resource transfer voice request may include "Please confirm whether to use the resource secondment voucher corresponding to the identification information of the resource secondment voucher to handle the resource transfer information."

[0102] S504: Receive a voice response message returned by the target user according to the resource transfer voice request.

[0103] After the user receives the resource transfer voice request, a voice response message can be generated according to the resource transfer voice request, and the voice response message can be sent to the resource transfer management platform; wherein the voice response message indicates whether the target user confirms to process the resource transfer information through the resource transfer voucher corresponding to the identification information.

[0104] Among them, voice verification can be performed on the voice response information returned by the target user to confirm whether the voice response information received by the resource transfer management platform is sent by the target user himself; specifically, the standard voice information corresponding to the identity information of the target user stored in the resource transfer management platform and the received voice response message are analyzed through a voice recognition model to determine whether the received voice response message and the stored standard voice information of the target user are the voice of the same person. If the received voice response message and the stored standard voice information of the target user are the voice of the same person, it is determined that the voice verification of the target user is passed; otherwise, it is determined that the voice verification of the target user is failed.

[0105] It should be noted that the voice instruction includes a resource transfer voice request and a voice response message.

[0106] S505: Obtain the target user's confirmation result on the resource transfer according to the voice response message.

[0107] After the voice verification of the voice response information is successful, the resource transfer management platform determines the target user's confirmation result on the resource transfer based on the voice response message.

[0108] For example, if the target user's voice response message is "confirm processing", it is determined that the target user has successfully confirmed the resource transfer processing; if the target user's voice response message is "confirm not to process", it is determined that the target user has failed to confirm the resource transfer processing.

[0109] Optionally, the time interval between the resource transfer management platform sending a resource transfer voice request and receiving a voice response message is detected; if the time interval is less than a preset duration and the target user's voice response message is "confirm processing", then the target user's confirmation result for the resource transfer is determined to be a successful processing confirmation; if the time interval is less than a preset duration, but the target user's voice response message is "confirm not processing", then the target user's confirmation result for the resource transfer is determined to be an unsuccessful processing confirmation; if the time interval is greater than or equal to the preset duration, then the target user's confirmation result for the resource transfer is determined to be an unsuccessful processing confirmation.

[0110] In the embodiment of the present application, a facial image acquisition instruction is sent to the target user, and when the facial image sent by the target user is verified, the identification information of the resource loan voucher of the target user is obtained, and then a resource transfer voice request is sent to the target user according to the identification information and resource transfer information of the resource loan voucher, and finally a voice response message returned by the target user according to the resource transfer voice request is received, and the target user's confirmation result of the resource transfer is obtained according to the voice response message. In this method, the target user's resource transfer security is improved by verifying the target user's facial image; and the target user's resource transfer service is confirmed by voice, which further improves the security and reliability of the resource transfer; and the confirmation and processing of resource transfer are carried out by face recognition and voice prompts, which frees the hands of the target user, improves the convenience of resource transfer, greatly improves the experience of the target user, and improves user stickiness.

[0111] In the resource transfer method provided in the embodiment of the present application, the resource transfer information is sent to the target user to instruct the target user to confirm the correctness of the resource transfer information; when the target user confirms that the resource transfer information is correct, the target user's confirmation result on the resource transfer is obtained based on the target user's multiple biometric information and resource transfer information. In this method, only when the target user confirms that the resource transfer information is correct will the resource transfer of the target user be further confirmed, thereby improving the efficiency of resource transfer confirmation.

[0112] In an exemplary embodiment, Figure 6 As shown, obtaining the identification information of the resource loan voucher of the target user includes the following steps:

[0113] S601, performing identity recognition on the face image of the target user according to the face image of the target user to determine the identity information of the target user.

[0114] Among them, the resource transfer management platform includes the correspondence between facial images and identity information. Therefore, the method of identifying the target user's facial image can be to determine the identity information corresponding to the target user's facial image in the correspondence between facial images and identity information as the identity information of the target user.

[0115] The target user's identity information refers to the identity information corresponding to the face image; for example, the identity information may include name, gender, age, ID number, etc.

[0116] S602: Acquire at least one candidate resource secondment credential corresponding to the identity information of the target user.

[0117] The resource management platform stores the correspondence between identity information and resource loan credentials. Therefore, the resource loan credentials corresponding to the target user's identity information can be obtained from the correspondence between identity information and resource loan credentials, and the resource loan credentials corresponding to the target user's identity information in the correspondence can be determined as candidate resource loan credentials.

[0118] Optionally, the candidate resource secondment voucher corresponding to the identity information of the target user may include one or more.

[0119] S603, displaying a selection page for each candidate resource secondment voucher.

[0120] According to at least one candidate resource secondment voucher corresponding to the identity information of the target user, a selection page for each candidate resource secondment voucher is generated, and the selection page for each candidate resource secondment voucher is displayed.

[0121] The selection page may include identification information of each candidate resource secondment voucher, and the target user may determine the identification information of the selected resource secondment voucher based on the displayed selection page of each candidate resource secondment voucher.

[0122] The method of displaying the selection page of each candidate resource secondment voucher can be that the resource transfer management platform directly displays the selection page of each candidate resource secondment voucher to the target user on the resource transfer management platform; the resource transfer management platform sends the selection page of each candidate resource secondment voucher to the user terminal of the target user, and controls the selection page of the candidate resource secondment voucher to be displayed on the user terminal of the target user.

[0123] Optionally, the identification information of each candidate resource borrowing voucher may be announced to the target user by voice announcement, so that the target user can confirm which candidate resource borrowing voucher to select.

[0124] S604: Determine the identification information of the candidate resource secondment voucher selected by the target user in the selection page as the identification information of the resource secondment voucher of the target user.

[0125] After receiving the selection page for each candidate resource loan voucher, the target user can determine the identification information of a candidate resource loan voucher through voice prompts; optionally, the target user can also select the identification information of the target user's resource loan voucher by clicking on the identification information of the candidate resource loan voucher in the selection page.

[0126] The identification information of the candidate resource secondment voucher selected by the target user on the selection page is determined as the identification information of the resource secondment voucher of the target user.

[0127] Among them, after receiving the voice prompt information of the target user, the received voice prompt information of the target user can also be voice verified. After the voice verification of the target user passes, the identification information of the candidate resource borrowing voucher selected in the voice prompt information of the target user is determined as the identification information of the resource borrowing voucher of the target user.

[0128] Specifically, the method for voice verification of voice prompt information can be to analyze the standard voice information corresponding to the identity information of the target user stored in the resource transfer management platform and the received voice prompt information through a voice recognition model to determine whether the received voice prompt information and the stored standard voice information of the target user are the voice of the same person. If the received voice prompt information and the stored standard voice information of the target user are the voice of the same person, it is determined that the voice verification of the target user has passed; otherwise, it is determined that the voice verification of the target user has failed.

[0129] In the resource transfer method provided in the embodiment of the present application, the target user's facial image is identified based on the target user's facial image to determine the target user's identity information, and at least one candidate resource loan voucher corresponding to the target user's identity information is obtained based on the target user's identity information, and a selection page for each candidate resource loan voucher is displayed; then the target user selects the identification information of the candidate resource loan voucher on the selection page to determine the identification information of the target user's resource loan voucher. In this method, the target user's facial image is used to identify the target user and determine the target user's identity information, which can ensure the accuracy of the target user's identity, and the resource loan voucher for resource transfer is determined through the target user's selection, thereby improving the accuracy of resource transfer.

[0130] In one embodiment, Figure 7 As shown in the figure, transferring resources to the target user through the resource loan voucher includes the following steps:

[0131] S701, obtaining the amount of resources available for borrowing corresponding to the resource borrowing voucher, and obtaining the amount of resource transfer corresponding to the resource transfer processing request according to the resource transfer information.

[0132] When transferring resources through a resource loan voucher, the amount of loanable resources corresponding to the resource loan voucher can be first obtained according to the identification information of the resource loan voucher, and the resource transfer amount corresponding to the resource transfer processing request can be obtained from the resource transfer information.

[0133] Among them, the resource management platform stores the correspondence between the identification information of the resource borrowing certificate and the amount of resources that can be borrowed. Therefore, the amount of resources that can be borrowed corresponding to the resource borrowing certificate can be directly obtained based on the correspondence between the identification information and the amount of resources that can be borrowed.

[0134] For example, if the resource borrowing voucher is a credit card, the amount of resources that can be borrowed can be the remaining balance of the credit card; if the resource borrowing voucher is a library card, the amount of resources that can be borrowed can be the remaining number of borrowable books.

[0135] S702: If the amount of resources available for loan is greater than or equal to the amount of resource transfer, an amount equal to the amount of resource transfer is deducted from the resource loan voucher to complete the resource transfer requested by the target user.

[0136] If the amount of resources available for loan is greater than or equal to the amount of resource transfer, an amount equal to the amount of resource transfer will be deducted from the resource transfer voucher to complete the resource transfer requested by the target user.

[0137] Furthermore, after the resource transfer is successfully processed, a resource transfer completion signal is generated and sent to the target user and / or the user terminal of the target user.

[0138] In an exemplary embodiment, the embodiment includes: when the resource transfer is successfully processed, outputting the remaining amount of loanable resources in the resource loan voucher.

[0139] Deduct an amount equal to the resource transfer amount from the resource borrowing voucher to obtain the remaining amount of borrowable resources in the resource borrowing voucher, and send the remaining amount of borrowable resources in the resource borrowing voucher to the target user / target user's user terminal; wherein, the remaining amount of borrowable resources in the resource borrowing voucher is the amount of borrowable resources corresponding to the resource borrowing voucher minus the resource transfer amount.

[0140] For example, if the resource borrowing voucher is a credit card, before the resource transfer, the amount of resources that can be borrowed on the credit card is 1000, and the amount of resources transferred is 100. After the resource transfer is successfully processed, the remaining amount of resources that can be borrowed on the credit card is 900. If the resource borrowing voucher is a library card, for example, the library card has the current number of books that can be borrowed; the amount of resources that can be borrowed on the library card is that the target user can currently borrow 3 books, and the amount of resources transferred is that the target user needs to borrow 2 books. After the borrowing is completed, the remaining number of books that can be borrowed on the library card is 1.

[0141] In the resource transfer method provided in the embodiment of the present application, the amount of resources available for loan corresponding to the resource loan voucher is obtained, and the amount of resource transfer corresponding to the resource transfer processing request is obtained according to the resource transfer information; if the amount of resources available for loan is greater than or equal to the amount of resource transfer, then the same amount as the amount of resource transfer is deducted from the resource loan voucher to complete the resource transfer requested by the target user. In this method, by comparing the amount of resources available for loan and the amount of resource transfer, it can be ensured that the loan and transfer of resources are carried out within a controllable range. If the amount of resources available for loan is greater than or equal to the amount of resource transfer, that is, the amount of resources in the resource loan voucher is sufficient to meet the resource transfer processing request, the resource transfer can be completed sequentially to ensure the reasonable allocation and utilization of resources.

[0142] In an exemplary embodiment, the embodiment includes: if the amount of borrowable resources in the resource borrowing voucher of the target user is less than the amount of resource transfer, determining that the resource transfer process has failed.

[0143] If the amount of resources that can be borrowed in the target user's resource borrowing voucher is less than the amount of resource transfer, it is determined that the resource transfer process has failed. At this time, a prompt signal of the resource transfer failure can be generated and sent to the target user / target user's user terminal.

[0144] The prompt signal can be in voice or text form. If the prompt signal is in voice form, the target user can be notified of the failure of resource transfer processing directly through the resource transfer management platform by voice, or a voice prompt can be issued through the target user's user terminal to prompt the target user of the failure of resource transfer processing.

[0145] Optionally, the prompt of resource transfer failure may also include prompting the user to use other methods to transfer resources.

[0146] In the resource transfer method provided in the embodiment of the present application, if the amount of resources available for loan in the resource loan voucher of the target user is less than the amount of resource transfer, it is determined that the resource transfer has failed. In this method, the resources in the resource loan voucher are limited. If the amount of resources available for loan is less than the amount of resource transfer, it means that the loaning party cannot provide enough resources to meet the resource transfer needs of the target user. In this way, excessive loaning of resources can be avoided and the reasonable allocation and utilization of the resources of the loaning party can be protected.

[0147] In one embodiment, the embodiment of the present application further provides a resource transfer system, which includes an information generation module, a resource transfer confirmation module and a resource transfer module.

[0148] The information generation module is used to generate resource transfer information according to the resource transfer service of the target user, and send the resource transfer information to the resource transfer confirmation module; wherein the resource transfer information includes the service type, resource transfer amount and time of the resource transfer.

[0149] The resource transfer confirmation module is used to send the resource transfer information to the target user to instruct the target user to confirm whether the resource transfer information is correct.

[0150] The resource transfer module is used to receive the resource transfer information confirmation result returned by the target user, and when the resource transfer information is confirmed to be correct, collect a facial image from the target user, and obtain the identification information of the resource borrowing voucher corresponding to the target user based on the facial image; confirm the resource borrowing voucher for resource transfer to the user through voice according to the identification information of the resource borrowing voucher, and transfer the corresponding resource transfer amount according to the resource borrowing voucher confirmed by the user to obtain the resource transfer processing result.

[0151] In one embodiment, the resource transfer method in the embodiment of the present application supports interaction with users through a developed resource transfer management platform. The resource transfer management platform has high robustness, ensuring that when the user usage of the resource transfer management platform is large, the success rate of resource transfer with high concurrent access can be guaranteed.

[0152] In an exemplary embodiment, Figure 8 As shown, the embodiment of the present application also provides a resource transfer method, which includes the following steps:

[0153] S801, in response to a resource transfer request from a target user, generating resource transfer information of the target user; the resource transfer information includes a resource transfer type, a resource transfer amount and a resource transfer time.

[0154] S802: Send resource transfer information to the target user to instruct the user to confirm the resource transfer information.

[0155] S803, receiving confirmation information sent by the target user, and generating a face acquisition request, where the face acquisition request is used to acquire a face image of the target user.

[0156] S804, receiving a facial image of the target user, and performing identity recognition on the facial image of the target user, determining at least one resource loan voucher corresponding to the target user, and then confirming the target resource loan voucher used by the target user to handle the resource transfer business through voice.

[0157] S805, receiving a voice instruction returned by the target user; the voice instruction includes a target resource secondment voucher for handling resource transfer.

[0158] S806: If the amount of resources that can be borrowed in the target resource borrowing voucher is sufficient, the resources are transferred through the target resource borrowing voucher, a message of successful resource transfer is obtained, and the remaining amount of resources that can be borrowed in the target resource borrowing voucher is sent to the user; if the amount of resources that can be borrowed in the target resource borrowing voucher is insufficient, the target user is prompted that the resource transfer has failed.

[0159] It should be understood that, although the various steps in the flowcharts involved in the above-mentioned embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps does not have a strict order restriction, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-mentioned embodiments can include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.

[0160] Based on the same inventive concept, the embodiment of the present application also provides a resource transfer device for implementing the resource transfer method involved above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations in one or more resource transfer device embodiments provided below can refer to the limitations on the resource transfer method above, and will not be repeated here.

[0161] In an exemplary embodiment, Fig. 9 As shown, a resource transfer device 900 is provided, comprising: an acquisition module 901, a confirmation module 902 and a transfer module 903, wherein:

[0162] The acquisition module 901 is used to obtain the resource transfer information of the target user in response to the resource transfer request of the target user; the resource transfer request is triggered when the target user requests to transfer resources through a resource loan voucher;

[0163] Confirmation module 902, used to confirm resource transfer to the target user based on resource transfer information and multiple biometric information;

[0164] The transfer module 903 is used to transfer resources to the target user through the resource loan voucher when the confirmation is successful.

[0165] In one embodiment, the acquisition module 901 includes:

[0166] A first acquisition unit, used to acquire a resource transfer type, a resource transfer amount, and a resource transfer time of a target user;

[0167] The first determination module is used to determine the resource transfer information of the target user according to the resource transfer type, resource transfer amount and resource transfer time.

[0168] In one embodiment, the confirmation module 902 includes:

[0169] a sending unit, configured to send the resource transfer information to a target user to instruct the target user to confirm the correctness of the resource transfer information;

[0170] The second acquisition unit is used to acquire the target user's confirmation result on the resource transfer according to the target user's multiple biometric information and resource transfer information when the target user confirms that the resource transfer information is correct.

[0171] In one embodiment, the multiple biometric information includes a face image and a voice command; the second acquisition unit includes:

[0172] A collection subunit, used to send a face image collection instruction to a target user;

[0173] The first acquisition subunit is used to acquire identification information of the resource secondment voucher of the target user when the face image sent by the target user is verified;

[0174] The sending subunit is used to send a resource transfer voice request to the target user according to the identification information of the resource loan voucher and the resource transfer information;

[0175] A receiving subunit, configured to receive a voice response message returned by a target user according to a resource transfer voice request;

[0176] The obtaining subunit is used to obtain the target user's confirmation result on the resource transfer according to the voice response message.

[0177] In one embodiment, the first acquisition subunit includes:

[0178] The identification subunit is used to identify the target user's face image based on the target user's face image and determine the target user's identity information;

[0179] A second acquisition subunit is used to acquire at least one candidate resource loan voucher corresponding to the identity information of the target user;

[0180] The display subunit is used to display the selection page of each candidate resource secondment voucher;

[0181] The determination subunit is used to determine the identification information of the candidate resource secondment voucher selected by the target user on the selection page as the identification information of the resource secondment voucher of the target user.

[0182] In one embodiment, the transfer module 903 includes:

[0183] A third acquisition unit is used to acquire the amount of loanable resources corresponding to the resource loan voucher, and acquire the amount of resource transfer corresponding to the resource transfer processing request according to the resource transfer information;

[0184] The resource transfer unit is used to deduct an amount equal to the resource transfer amount from the resource borrowing voucher if the amount of resources available for borrowing is greater than or equal to the resource transfer amount, so as to complete the resource transfer requested by the target user.

[0185] In one embodiment, the apparatus 900 further includes:

[0186] The determination module is used to determine that the resource transfer process has failed if the amount of resources that can be borrowed in the resource borrowing voucher of the target user is less than the amount of resources to be transferred.

[0187] In one embodiment, the apparatus 900 further includes:

[0188] The output module is used to output the remaining amount of loanable resources in the resource loan voucher when the resource transfer is successfully processed.

[0189] Each module in the resource transfer device can be implemented in whole or in part by software, hardware, or a combination thereof. Each module can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute operations corresponding to each module.

[0190] In an exemplary embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as shown in FIG. Fig.10 As shown. The computer device includes a processor, a memory, an input / output interface (Input / Output, referred to as I / O) and a communication interface. The processor, the memory and the input / output interface are connected through a system bus, and the communication interface is connected to the system bus through the input / output interface. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store resource transfer data. The input / output interface of the computer device is used to exchange information between the processor and an external device. The communication interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, a resource transfer method is implemented.

[0191] Those skilled in the art will understand that Fig.10 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0192] In one embodiment, a computer device is further provided, including a memory and a processor, wherein a computer program is stored in the memory, and the processor implements the steps in the above method embodiments when executing the computer program.

[0193] The implementation principles and technical effects of each step implemented by the processor in this embodiment are similar to those of the above-mentioned resource transfer method, and will not be repeated here.

[0194] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps in the above-mentioned method embodiments are implemented.

[0195] The implementation principles and technical effects of the steps implemented when the computer program in this embodiment is executed by the processor are similar to the principles of the above-mentioned resource transfer method, and will not be repeated here.

[0196] In one embodiment, a computer program product is provided, including a computer program, which implements the steps in the above method embodiments when executed by a processor.

[0197] The implementation principles and technical effects of the steps implemented when the computer program in this embodiment is executed by the processor are similar to the principles of the above-mentioned resource transfer method, and will not be repeated here.

[0198] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant regulations.

[0199] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in this application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetoresistive random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, etc., but are not limited to this.

[0200] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0201] The above-described embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A resource transfer method, characterized in that: Applied to a resource transfer management platform, the method comprises: In response to a resource transfer processing request of a target user, obtaining resource transfer information of the target user; the resource transfer processing request is triggered when the target user requests resource transfer through a resource loan voucher; According to the resource transfer information and multiple biometric information, confirming the resource transfer to the target user; When the confirmation is successful, the resource transfer to the target user is performed through the resource loan voucher.

2. The method according to claim 1, characterized in that The obtaining of the resource transfer information of the target user includes: Obtaining the resource transfer type, resource transfer amount and resource transfer time of the target user; The resource transfer information of the target user is determined according to the resource transfer type, the resource transfer amount and the resource transfer time.

3. The method according to claim 1 or 2, characterized in that: The step of confirming the resource transfer to the target user based on the resource transfer information and the multiple biometric information includes: Sending the resource transfer information to the target user to instruct the target user to confirm the correctness of the resource transfer information; When the target user confirms that the resource transfer information is correct, the target user's confirmation result on the resource transfer is obtained according to the target user's multiple biometric information and the resource transfer information.

4. The method according to claim 3, characterized in that The multiple biometric information includes a face image and a voice command; the obtaining, based on the multiple biometric information of the target user and the resource transfer information, a confirmation result of the resource transfer by the target user includes: Sending a face image acquisition instruction to the target user; When the face image sent by the target user passes the verification, obtaining identification information of the resource secondment voucher of the target user; Sending a resource transfer voice request to the target user according to the identification information of the resource borrowing voucher and the resource transfer information; receiving a voice response message returned by the target user according to the resource transfer voice request; According to the voice response message, a confirmation result of the target user on the resource transfer is obtained.

5. The method according to claim 4, characterized in that The obtaining identification information of the resource loan voucher of the target user includes: According to the facial image of the target user, performing identity recognition on the facial image of the target user to determine the identity information of the target user; Acquire at least one candidate resource loan voucher corresponding to the identity information of the target user; Displaying a selection page for each candidate resource secondment voucher; The identification information of the candidate resource secondment voucher selected by the target user in the selection page is determined as the identification information of the resource secondment voucher of the target user.

6. The method according to claim 1 or 2, characterized in that: The transferring of resources to the target user through the resource loan voucher includes: Obtaining the amount of resources available for borrowing corresponding to the resource borrowing voucher, and obtaining the amount of resource transfer corresponding to the resource transfer processing request according to the resource transfer information; If the amount of resources that can be borrowed is greater than or equal to the amount of resource transfer, an amount equal to the amount of resource transfer is deducted from the resource borrowing voucher to complete the resource transfer requested by the target user.

7. The method according to claim 6, characterized in that The method further comprises: If the amount of resources that can be borrowed in the resource borrowing voucher of the target user is less than the resource transfer amount, it is determined that the resource transfer process has failed.

8. The method according to claim 6, characterized in that The method further comprises: When the resource transfer is successfully processed, the remaining amount of borrowable resources in the resource borrowing voucher is output.

9. A resource transfer device, characterized in that: The device comprises: An acquisition module, configured to acquire resource transfer information of a target user in response to a resource transfer request of the target user; the resource transfer request is triggered when the target user requests resource transfer through a resource loan voucher; A confirmation module, used to confirm the resource transfer to the target user based on the resource transfer information and multiple biometric information; The transfer module is used to transfer resources to the target user through the resource loan voucher when the confirmation is successful.

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

11. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 8 are implemented.

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

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