Resource return method and device, computer equipment and storage medium

Abstract

The invention relates to a resource returning method and device, computer equipment and a storage medium, which can be applied to the field of financial science and technology or other related fields. The method comprises the following steps: in response to a resource return request of a user, performing identity verification on the user; acquiring resource borrowing information of the user according to the identity identification code of the user under the condition that the identity verification result is that the identity verification is passed; inquiring whether the user performs resource returning or not according to the resource borrowing information; and under the condition that the user determines to carry out resource returning, carrying out resource returning operation on the user. By adopting the method, resource returning can be efficiently and conveniently carried out for the user.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a resource return method, apparatus, computer equipment and storage medium, which can be used in the field of financial technology or other related fields. Background Art

[0002] With the continuous improvement of economic level, people's living standards are getting higher and higher. In life, people often encounter a situation where resources are not available. Therefore, borrowing resources from financial institutions has become one of the ways for people to solve the problem of insufficient resource turnover.

[0003] At present, the common way for people to handle personal resource return business is to go to offline financial institutions in person to complete the resource return, or enter multiple fixed pages through terminals to collect information, and then complete the resource return on the resource return page. However, this method has problems such as cumbersome process and low efficiency. Summary of the invention

[0004] Based on this, it is necessary to provide a resource return method, device, computer equipment and storage medium that can efficiently and conveniently return resources to users in response to the above technical problems.

[0005] In a first aspect, the present application provides a resource return method, comprising:

[0006] In response to a resource return request from the user, authenticating the user;

[0007] If the identity authentication result is that the identity authentication is passed, the user's resource borrowing information is obtained according to the user's identity identification code;

[0008] Based on the resource borrowing information, ask the user whether to return the resources;

[0009] When the user decides to return the resources, the resource return operation is performed for the user.

[0010] In one embodiment, in response to a resource return request from a user, authenticating the user includes:

[0011] In response to a resource return request from a user, verify whether the identity verification image in the resource return request is legitimate;

[0012] If the identity verification image is legitimate, obtain the user's real-time facial information;

[0013] Authenticate the user based on the authentication image and real-time facial information.

[0014] In one embodiment, authenticating a user based on the authentication image and real-time facial information includes:

[0015] Extracting reference facial information from the authentication image;

[0016] The real-time facial information and the reference facial information are compared for similarity to obtain a facial comparison result;

[0017] Based on the facial comparison results, the user's identity authentication result is determined.

[0018] In one embodiment, obtaining the resource borrowing information of the user according to the user's identity identification code includes:

[0019] Obtain the user's global resource information based on the user's identity identification code;

[0020] Extracting the user's to-be-returned resource information and held resource information from the global resource information;

[0021] Generate user resource borrowing information based on the to-be-returned resource information and the held resource information.

[0022] In one embodiment, according to the resource borrowing information, asking the user whether to return the resource includes:

[0023] Display the resource return confirmation page containing resource borrowing information to the user;

[0024] Determine whether the user returns the resource based on the selection operation made by the user on the resource return confirmation page.

[0025] In one embodiment, after returning resources to the user, the following steps are performed:

[0026] Feedback the user with the resource return information of the completed resource return operation, and store the resource return information in the blockchain network.

[0027] In a second aspect, the present application also provides a resource return device, including:

[0028] An identity authentication module, used for authenticating a user in response to a resource return request from the user;

[0029] The information acquisition module is used to obtain the user's resource borrowing information according to the user's identity identification code when the identity authentication result is that the identity authentication is passed;

[0030] The inquiry module is used to inquire the user whether to return the resource based on the resource borrowing information;

[0031] The resource return module is used to perform resource return operations for the user when the user determines to return the resource.

[0032] In a third aspect, the present application further 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 following steps are implemented:

[0033] In response to a resource return request from the user, authenticating the user;

[0034] If the identity authentication result is that the identity authentication is passed, the user's resource borrowing information is obtained according to the user's identity identification code;

[0035] Based on the resource borrowing information, ask the user whether to return the resources;

[0036] When the user decides to return the resources, the resource return operation is performed for the user.

[0037] In a fourth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, wherein when the computer program is executed by a processor, the following steps are implemented:

[0038] In response to a resource return request from the user, authenticating the user;

[0039] If the identity authentication result is that the identity authentication is passed, the user's resource borrowing information is obtained according to the user's identity identification code;

[0040] Based on the resource borrowing information, ask the user whether to return the resources;

[0041] When the user decides to return the resources, the resource return operation is performed for the user.

[0042] In a fifth aspect, the present application further provides a computer program product, including a computer program, which implements the following steps when executed by a processor:

[0043] In response to a resource return request from the user, authenticating the user;

[0044] If the identity authentication result is that the identity authentication is passed, the user's resource borrowing information is obtained according to the user's identity identification code;

[0045] Based on the resource borrowing information, ask the user whether to return the resources;

[0046] When the user decides to return the resources, the resource return operation is performed for the user.

[0047] The resource return method, apparatus, computer device and storage medium perform identity authentication on the user in response to the user's resource return request. When the identity authentication is passed, the resource borrowing information of the user is obtained according to the user's identity identification code. The resource borrowing information of the user can be obtained more accurately and quickly under the premise of ensuring the security of the user's information. Furthermore, based on the resource borrowing information, the user is asked whether to return the resources. If so, the resource return operation is performed for the user. This can realize more flexible and efficient resource return for the user, thereby improving the user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0048] 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.

[0049] Figure 1 An application environment diagram of a resource return method in an embodiment;

[0050] Figure 2 A schematic diagram of a process of returning resources in one embodiment;

[0051] Figure 3 A schematic diagram of a process for authenticating a user in an embodiment;

[0052] Figure 4 A schematic diagram of a process for generating resource borrowing information of a user in one embodiment;

[0053] Figure 5 A schematic diagram of a process for determining whether a user returns a resource in one embodiment;

[0054] Figure 6 A schematic diagram of a flow chart of a resource return method in another embodiment;

[0055] Figure 7 is a structural block diagram of a resource return device in an embodiment;

[0056] Figure 8 is a structural block diagram of a resource returning device in another embodiment;

[0057] Fig. 9 is a structural block diagram of a resource returning device in yet another embodiment;

[0058] Fig.10 FIG. 4 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0059] 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.

[0060] The resource return method provided in the embodiment of the present application can be applied to Figure 1 In the application environment shown, the terminal 102 communicates with the server 104 via a network. The data storage system can store data that the server 104 needs to process, such as the user's identity verification image and global resource information. The data storage system can be integrated on the server 104, or placed on the cloud or other network servers. Specifically, the user can click the resource return button on the page provided by the terminal 102, and initiate a resource return request to the server 104 based on the 5G network; the server 104 responds to the user's resource return request and authenticates the user; when the identity authentication result is that the identity authentication is passed, the user's resource borrowing information is obtained according to the user's identity identification code; then the server 104 can interact with the terminal 102 through the 5G network, and display a resource return confirmation page containing resource borrowing information to the user through the terminal 102, inquiring the user whether to return the resources; when the user determines to return the resources, the server 104 can return the resources for the user; further, after completing the resource return operation for the user, the server 104 can store the resource return information of the resource return operation completed for the user in the blockchain network, and feedback the resource return information of the completed resource return operation to the user through the terminal 102, so that the user can verify the resource return information.

[0061] The terminal 102 may be, but is not limited to, various personal computers, laptops, smart phones, tablet computers, IoT devices, and portable wearable devices. The IoT devices may be smart TVs, smart car-mounted devices, etc. The portable wearable devices may be smart watches, smart bracelets, head-mounted devices, etc. The server 104 may be implemented as an independent server or a server cluster consisting of multiple servers.

[0062] In an exemplary embodiment, Figure 2 As shown, a resource return method is provided, which is applied to Figure 1 The server 104 in the example is used as an example to illustrate the method, which includes the following steps 201 to 204. Among them:

[0063] S201, in response to a resource return request from a user, authenticate the user.

[0064] The resource return request is a request initiated by a user to return a borrowed resource, and may include the user's identity information and the like.

[0065] Optionally, the user may initiate a resource return request to the server through the terminal; after receiving the resource return request initiated by the user, the server may respond to the resource return request of the user, analyze the resource return request of the user, obtain the user's identity information included in the resource return request, and authenticate the user based on the user's identity information.

[0066] S202: When the identity authentication result is that the identity authentication is passed, the resource borrowing information of the user is obtained according to the user's identity identification code.

[0067] The identity code is a number that can identify the user, such as the user's ID number, etc. The resource borrowing information is the specific information about the user's borrowing of resources, which may include the total amount of borrowed resources, the borrowing time, the return date, and other information.

[0068] Optionally, after authenticating the user, if it is determined that the user's identity authentication result is passed, the user's identity identification code can be obtained, and then the user's resource borrowing information can be queried and obtained from the data storage system based on the user's identity identification code.

[0069] S203: Inquiring the user whether to return the resource based on the resource borrowing information.

[0070] Optionally, after obtaining the user's resource borrowing information, the user's resource borrowing information can be displayed to the user through the terminal, and a resource return confirmation button can be provided to the user to inquire whether the user returns the resources; further, the user can determine whether to click the resource return button based on the displayed resource borrowing information, so as to feedback to the server the choice of confirming the resource return.

[0071] S204: When the user determines to return the resources, the resource return operation is performed for the user.

[0072] Optionally, if the user determines to return the resources, the user's borrowed resources can be automatically returned based on the user's resource borrowing information and using the user's held resources to perform a resource return operation for the user.

[0073] The above-mentioned resource return method performs identity authentication on the user in response to the user's resource return request. When the identity authentication is passed, the user's resource borrowing information is obtained according to the user's identity identification code. Under the premise of ensuring the user's information security, the user's resource borrowing information can be obtained more accurately and quickly; further, based on the resource borrowing information, the user is asked whether to return the resources. If so, the resource return operation is performed for the user, which can realize more flexible and efficient resource return for the user, thereby improving the user experience.

[0074] Furthermore, after performing a resource return operation for a user, resource return information of completing the resource return operation can be fed back to the user, and the resource return information can be stored in the blockchain network.

[0075] The resource return information is the specific information for performing resource return operations for the user, and may include information such as the total amount of resources held by the user after the resource return is completed and the resource return time.

[0076] Optionally, after performing a resource return operation for a user, the information of the resource return operation completed for the user can be counted to generate resource return information; then, by interacting with the terminal, the resource return information can be transmitted to the terminal, and the resource return information can be fed back to the user through the terminal for the user to verify; further, the resource return information generated by this resource return operation can be stored in the blockchain network for the user to query and obtain when needed later.

[0077] It can be understood that after performing a resource return operation for a user, by feeding back to the user the resource return information of the completed resource return operation, the user can obtain the resource return information more timely and verify it; further, by storing the resource return information in the blockchain network, the resource return information of this resource return operation can be accurately and persistently stored, so that the user can quickly query and obtain it when needed in the future.

[0078] In order to more accurately authenticate the user, based on the above embodiments, in an exemplary embodiment, Figure 3 As shown, the above S201 includes steps 301 to 303. Among them:

[0079] S301, in response to a resource return request from a user, verify whether the identity verification image in the resource return request is legal.

[0080] The identity verification image is an image provided by the user that can verify the identity, which can be an image such as an ID card photo; the identity verification image can include the user's identity information.

[0081] Optionally, in response to a user's resource return request, the user's resource return request can be analyzed to obtain an identity authentication image contained in the resource return request; further, the identity authentication image can be input into a pre-trained identity legitimacy verification model, and the identity legitimacy verification model can be used to verify whether the identity authentication image in the resource return request is legitimate.

[0082] S302, when the identity verification image is legal, obtaining the user's real-time facial information.

[0083] The real-time facial information is the facial information of the user collected in real time.

[0084] Optionally, when it is determined that the identity verification image is legitimate, the user's real-time facial information can be obtained through the camera on the terminal.

[0085] S303, authenticating the user based on the identity authentication image and the real-time facial information.

[0086] Optionally, after obtaining the user's real-time facial information, the user's real-time facial information and the identity verification image may be input into a pre-trained identity verification model. The identity verification model is used to verify whether the user and the user corresponding to the identity verification image are the same user, thereby authenticating the user.

[0087] One possible implementation method is that after obtaining the user's real-time facial information, reference facial information can be extracted from the identity verification image; the real-time facial information and the reference facial information are compared for similarity to obtain a facial comparison result; and the user's identity verification result is determined based on the facial comparison result.

[0088] The reference facial information is the facial information extracted from the identity verification image. The facial comparison result is the result obtained after comparing the facial information, which can be a consistent result or an inconsistent result. The identity verification result is the result of the identity verification of the user, which can be a pass or a fail.

[0089] Optionally, after obtaining the user's real-time facial information, the identity verification image can be input into a pre-trained information extraction model, and the reference facial information can be extracted from the identity verification image through the information extraction model; further, the reference facial information and the obtained real-time facial information of the user are compared for similarity to obtain a facial comparison result; if the facial comparison result is consistent, the user's identity verification result is determined to be passed, and the next step of resource return operation can be performed for the user; if the facial comparison result is inconsistent, the user's identity verification result is determined to be failed, and the next step of resource return operation cannot be performed for the user.

[0090] It should be noted that by extracting reference facial information from the identity verification information, comparing the real-time facial information with the reference facial information for similarity, and then determining the identity verification result based on the facial comparison result, a more accurate and efficient identity verification effect for the user can be achieved.

[0091] It can be understood that by responding to the user's resource return request and first verifying whether the identity verification image in the resource return request is legal, the effect of protecting the information security of each user can be achieved; further, when the identity verification image is legal, based on the real-time facial information of the user obtained and combined with the identity verification image, a more accurate identity verification effect of the user can be achieved.

[0092] In order to make the acquired user's resource borrowing information more accurate, in an exemplary embodiment, Figure 4 As shown, the above S202 includes steps 401 to 403. Among them:

[0093] S401, obtaining the user's global resource information according to the user's identity identification code.

[0094] The global resource information may include the user's income and expenditure information, resource transaction information, the user's total resource holding information, resource borrowing information, etc.

[0095] Optionally, when the identity authentication result is that the identity authentication is passed, the user's global resource information can be searched and obtained from the data storage system according to the user's identity identification code.

[0096] S402, extracting the user's to-be-returned resource information and held resource information from the global resource information.

[0097] Among them, the information on resources to be returned refers to the information on resources that have not been returned after the user's results, which may include information such as the total amount of resources to be returned and the deadline for returning; the holding information refers to the information on resources currently held by the user, which may include information such as the total amount of resources held.

[0098] Optionally, after obtaining the user's global resource information, useless information such as the user's income and expenditure information, resource transaction information, etc. in the global resource information may be eliminated, and the user's to-be-returned resource information and held resource information may be extracted from the global resource information.

[0099] S403: Generate resource borrowing information of the user according to the to-be-returned resource information and the held resource information.

[0100] Optionally, after extracting the to-be-returned resource information and the held resource information, the to-be-returned resource information and the held resource information can be integrated to generate the user's resource borrowing information. For example, the resource return information of whether the held resource can return the to-be-returned resource can be determined based on the total amount of to-be-returned resources in the to-be-returned resource information and the total amount of held resources in the held resource information.

[0101] It can be understood that by obtaining the user's global resource information based on the user's identity identification code; and then extracting the user's pending resource information and held resource information from the global resource information, based on the user's pending resource information and held resource information, it is possible to achieve the effect of more accurately generating the user's resource borrowing information.

[0102] In order to more efficiently determine whether the user returns the resource, in an exemplary embodiment, Figure 5 As shown, the above S203 includes step 501 to step 502. Among them:

[0103] S501, displaying a resource return confirmation page containing resource borrowing information to the user.

[0104] The resource return confirmation page is a page presented by the terminal to the user for confirming whether to return the resource, and may include resource borrowing information and a resource return confirmation button.

[0105] Optionally, after the user's resource borrowing information is generated, a resource return confirmation page may be generated according to the resource borrowing information and displayed to the user through the terminal, so that the user can determine whether to return the resource according to the displayed resource borrowing information.

[0106] S502: Determine whether the user returns the resource based on the selection operation performed by the user on the resource return confirmation page.

[0107] Optionally, the user's selection operation on the resource return confirmation page can be obtained by interacting with the terminal; further, the selection operation is analyzed to determine whether the user returns the resource. For example, if the user's selection operation on the resource return confirmation page is to click a resource return confirmation button with "yes", it can be determined that the user needs to return the resource; if the user's selection operation on the resource return confirmation page is to click a resource return confirmation button with "no", it can be determined that the user does not need to return the resource.

[0108] It can be understood that by displaying a resource return confirmation page containing resource borrowing information to the user, the user can quickly and accurately obtain the resource borrowing information and determine whether to return the resource based on the resource borrowing information; further, based on the selection operation performed by the user on the resource return confirmation page, it is possible to more efficiently and accurately determine whether the user returns the resource.

[0109] In one embodiment, Figure 6 As shown, a preferred example of a resource return method is provided. The specific process is as follows:

[0110] S601, in response to a user's resource return request, obtaining a resource verification request.

[0111] S602, verify whether the identity verification image in the resource return request is legal; if so, execute S603; if not, execute S616.

[0112] S603, obtaining real-time facial information of the user.

[0113] S604, extracting reference facial information from the identity verification image.

[0114] S605: Perform a similarity comparison between the real-time facial information and the reference facial information to obtain a facial comparison result.

[0115] S606, based on the facial comparison result, determine whether the user's identity authentication result is identity authentication passed; if so, execute S607; if not, execute S615.

[0116] S607, obtaining the user's global resource information according to the user's identity identification code.

[0117] S608, extracting the user's to-be-returned resource information and held resource information from the global resource information.

[0118] S609: Generate user resource borrowing information based on the to-be-returned resource information and the held resource information.

[0119] S610: Display a resource return confirmation page containing resource borrowing information to the user.

[0120] S611, according to the selection operation of the user on the resource return confirmation page, determine whether the user returns the resource; if so, execute S612; if not, execute S614.

[0121] S612: Return resources to the user.

[0122] S613, feeding back to the user the resource return information of completing the resource return operation, and storing the resource return information in the blockchain network.

[0123] S614: There is no need to return resources to the user.

[0124] S615: Feedback to the user a prompt message indicating that the identity authentication failed.

[0125] S616, feeding back to the user a prompt message that the identity verification image is illegal, and prompting the user to re-upload the identity verification image.

[0126] The specific process of the above S601-S616 can refer to the description of the above method embodiment, and its implementation principle and technical effect are similar, which will not be repeated here.

[0127] 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.

[0128] Based on the same inventive concept, the embodiment of the present application also provides a resource return device for implementing the resource return 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 return device embodiments provided below can refer to the limitations on the resource return method above, and will not be repeated here.

[0129] In an exemplary embodiment, Figure 7 As shown, a resource return device 1 is provided, comprising: an identity authentication module 10, an information acquisition module 20, an inquiry module 30 and a resource return module 40, wherein:

[0130] The identity authentication module 10 is used to authenticate the user in response to the user's resource return request.

[0131] The information acquisition module 20 is used to acquire the resource borrowing information of the user according to the user's identity identification code when the identity authentication result is that the identity authentication is passed.

[0132] The inquiry module 30 is used to inquire the user whether to return the resource according to the resource borrowing information.

[0133] The resource return module 40 is used to perform a resource return operation for the user when the user determines to return the resource.

[0134] In an exemplary embodiment, in the above Figure 7 On the basis of Figure 8 As shown, the identity verification module 10 may include:

[0135] The legality verification unit 11 is used to verify whether the identity verification image in the resource return request is legal in response to the user's resource return request.

[0136] The first acquisition unit 12 is used to acquire the real-time facial information of the user when the identity verification image is legal.

[0137] The identity verification unit 13 is used to verify the identity of the user based on the identity verification image and the real-time facial information.

[0138] In an exemplary embodiment, the identity verification unit 13 may be specifically used for:

[0139] Extract reference facial information from the identity verification image; perform similarity comparison between the real-time facial information and the reference facial information to obtain a facial comparison result; and determine the identity verification result of the user based on the facial comparison result.

[0140] In an exemplary embodiment, in the above Figure 7 or Figure 8 On the basis of Fig. 9 As shown, the information acquisition module 20 may include:

[0141] The second acquisition unit 21 is used to acquire the user's global resource information according to the user's identity identification code.

[0142] The information extraction unit 22 is used to extract the user's to-be-returned resource information and held resource information from the global resource information.

[0143] The information generating unit 23 is used to generate the user's resource borrowing information according to the to-be-returned resource information and the held resource information.

[0144] In an exemplary embodiment, the query module 30 may include:

[0145] The page display unit is used to display a resource return confirmation page containing resource borrowing information to the user.

[0146] The inquiry unit is used to determine whether the user returns the resource according to the selection operation performed by the user on the resource return confirmation page.

[0147] In an exemplary embodiment, the resource returning device 1 may further include:

[0148] The information feedback module is used to feedback the resource return information of the completed resource return operation to the user and store the resource return information in the blockchain network.

[0149] Each module in the resource return 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.

[0150] 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 data such as the user's identity authentication image and global resource information. 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 return method is implemented.

[0151] 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.

[0152] In an exemplary embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and when the processor executes the computer program, the following steps are implemented:

[0153] In response to a resource return request from the user, authenticating the user;

[0154] If the identity authentication result is that the identity authentication is passed, the user's resource borrowing information is obtained according to the user's identity identification code;

[0155] Based on the resource borrowing information, ask the user whether to return the resources;

[0156] When the user decides to return the resources, the resource return operation is performed for the user.

[0157] In one embodiment, when the processor executes the logic of the computer program to authenticate the user in response to the user's resource return request, the processor also implements the following steps:

[0158] In response to a resource return request from a user, verify whether the identity verification image in the resource return request is legitimate;

[0159] If the identity verification image is legitimate, obtain the user's real-time facial information;

[0160] Authenticate the user based on the authentication image and real-time facial information.

[0161] In one embodiment, when the processor executes the logic of the computer program to authenticate the user based on the authentication image and the real-time facial information, the processor also implements the following steps:

[0162] Extract reference facial information from the identity verification image; perform similarity comparison between the real-time facial information and the reference facial information to obtain a facial comparison result; and determine the identity verification result of the user based on the facial comparison result.

[0163] In one embodiment, when the processor executes the logic of the computer program to obtain the resource borrowing information of the user according to the user's identity identification code, the processor further implements the following steps:

[0164] According to the user's identity identification code, the user's global resource information is obtained; the user's to-be-returned resource information and the held resource information are extracted from the global resource information; according to the to-be-returned resource information and the held resource information, the user's resource borrowing information is generated.

[0165] In one embodiment, when the processor executes the logic of the computer program to query the user whether to return the resource according to the resource borrowing information, the processor also implements the following steps:

[0166] A resource return confirmation page containing resource borrowing information is displayed to the user; and based on the user's selection operation on the resource return confirmation page, it is determined whether the user returns the resource.

[0167] In one embodiment, after the processor executes the logic of the computer program to perform the resource return operation for the user, the processor further implements the following steps:

[0168] Feedback the user with the resource return information of the completed resource return operation, and store the resource return information in the blockchain network.

[0169] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented:

[0170] In response to a resource return request from the user, authenticating the user;

[0171] If the identity authentication result is that the identity authentication is passed, the user's resource borrowing information is obtained according to the user's identity identification code;

[0172] Based on the resource borrowing information, ask the user whether to return the resources;

[0173] When the user decides to return the resources, the resource return operation is performed for the user.

[0174] In one embodiment, when the computer program responds to the user's resource return request and the logic of authenticating the user is executed by the processor, the computer program further implements the following steps:

[0175] In response to a resource return request from a user, verify whether the identity verification image in the resource return request is legitimate;

[0176] If the identity verification image is legitimate, obtain the user's real-time facial information;

[0177] Authenticate the user based on the authentication image and real-time facial information.

[0178] In one embodiment, when the logic of the computer program for authenticating a user based on the authentication image and the real-time facial information is executed by the processor, the following steps are also implemented:

[0179] Extracting reference facial information from the authentication image;

[0180] The real-time facial information and the reference facial information are compared for similarity to obtain a facial comparison result;

[0181] Based on the facial comparison results, the user's identity authentication result is determined.

[0182] In one embodiment, when the logic of the computer program for obtaining the user's resource borrowing information according to the user's identity identification code is executed by the processor, the following steps are also implemented:

[0183] Obtain the user's global resource information based on the user's identity identification code;

[0184] Extracting the user's to-be-returned resource information and held resource information from the global resource information;

[0185] Generate user resource borrowing information based on the to-be-returned resource information and the held resource information.

[0186] In one embodiment, when the logic of the computer program inquiring the user whether to return the resource according to the resource borrowing information is executed by the processor, the following steps are also implemented:

[0187] Display the resource return confirmation page containing resource borrowing information to the user;

[0188] Determine whether the user returns the resource based on the selection operation made by the user on the resource return confirmation page.

[0189] In one embodiment, after the logic of the computer program after performing the resource return operation for the user is executed by the processor, the following steps are further implemented:

[0190] Feedback the user with the resource return information of the completed resource return operation, and store the resource return information in the blockchain network.

[0191] In one embodiment, a computer program product is provided, comprising a computer program, which, when executed by a processor, implements the following steps:

[0192] In response to a resource return request from the user, authenticating the user;

[0193] If the identity authentication result is that the identity authentication is passed, the user's resource borrowing information is obtained according to the user's identity identification code;

[0194] Based on the resource borrowing information, ask the user whether to return the resources;

[0195] When the user decides to return the resources, the resource return operation is performed for the user.

[0196] In one embodiment, when the computer program responds to the user's resource return request and the logic of authenticating the user is executed by the processor, the computer program further implements the following steps:

[0197] In response to a resource return request from a user, verify whether the identity verification image in the resource return request is legitimate;

[0198] If the identity verification image is legitimate, obtain the user's real-time facial information;

[0199] Authenticate the user based on the authentication image and real-time facial information.

[0200] In one embodiment, when the logic of the computer program for authenticating a user based on the authentication image and the real-time facial information is executed by the processor, the following steps are also implemented:

[0201] Extracting reference facial information from the authentication image;

[0202] The real-time facial information and the reference facial information are compared for similarity to obtain a facial comparison result;

[0203] Based on the facial comparison results, the user's identity authentication result is determined.

[0204] In one embodiment, when the logic of the computer program for obtaining the user's resource borrowing information according to the user's identity identification code is executed by the processor, the following steps are also implemented:

[0205] Obtain the user's global resource information based on the user's identity identification code;

[0206] Extracting the user's to-be-returned resource information and held resource information from the global resource information;

[0207] Generate user resource borrowing information based on the to-be-returned resource information and the held resource information.

[0208] In one embodiment, when the logic of the computer program inquiring the user whether to return the resource according to the resource borrowing information is executed by the processor, the following steps are also implemented:

[0209] Display the resource return confirmation page containing resource borrowing information to the user;

[0210] Determine whether the user returns the resource based on the selection operation made by the user on the resource return confirmation page.

[0211] In one embodiment, after the logic of the computer program after performing the resource return operation for the user is executed by the processor, the following steps are further implemented:

[0212] Feedback the user with the resource return information of the completed resource return operation, and store the resource return information in the blockchain network.

[0213] It should be noted that the user information involved in this application (including but not limited to the user's identity verification image, identity identification code and other information) is information authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant regulations.

[0214] 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.

[0215] 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.

[0216] 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 return method, characterized in that: The method comprises: In response to a resource return request from a user, authenticating the user; If the identity authentication result is that the identity authentication is passed, obtaining the resource borrowing information of the user according to the identity identification code of the user; According to the resource borrowing information, inquiring the user whether to return the resource; In the case where the user is determined to return the resources, a resource return operation is performed for the user.

2. The method according to claim 1, characterized in that: The step of authenticating the user in response to the user's resource return request includes: In response to a resource return request from a user, verify whether the identity verification image in the resource return request is legitimate; If the identity verification image is legitimate, obtaining real-time facial information of the user; The user is authenticated based on the identity verification image and the real-time facial information.

3. The method according to claim 2, characterized in that The step of authenticating the user according to the identity authentication image and the real-time facial information includes: extracting reference facial information from the identity verification image; Comparing the real-time facial information with the reference facial information for similarity to obtain a facial comparison result; The identity verification result of the user is determined according to the facial comparison result.

4. The method according to claim 1, characterized in that: The acquiring the resource borrowing information of the user according to the identity identification code of the user includes: Acquiring global resource information of the user according to the identity identification code of the user; Extracting the to-be-returned resource information and the held resource information of the user from the global resource information; The resource borrowing information of the user is generated according to the to-be-returned resource information and the held resource information.

5. The method according to claim 1, characterized in that The step of querying the user whether to return the resource according to the resource borrowing information includes: Displaying a resource return confirmation page containing the resource borrowing information to the user; According to the selection operation of the user on the resource return confirmation page, it is determined whether the user returns the resource.

6. The method according to claim 1, characterized in that After performing the resource return operation for the user, the method further includes: Feedback the resource return information of completing the resource return operation to the user, and store the resource return information in the blockchain network.

7. A resource return device, characterized in that: The device comprises: An identity authentication module, configured to authenticate the user in response to a resource return request from the user; An information acquisition module, used to acquire resource borrowing information of the user according to the identity identification code of the user when the identity authentication result is that the identity authentication is passed; An inquiry module, used to inquire the user whether to return the resource according to the resource borrowing information; The resource return module is used to perform a resource return operation for the user when the user determines to return the resource.

8. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 6 are implemented.

9. 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 6 are implemented.

10. 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 6 are implemented.

Images