A resource transfer method, configuration method, and related apparatus

Abstract

The application discloses a resource transfer method, a configuration method, and related devices. A target account has a registration binding relationship with a second object, and a first object identified by a first biological feature is a different object from the second object. It can be seen that the target account registered by the first object and the second object has a first associated binding relationship, so that the first object can obtain a resource transfer service by means of the target account registered by the second object, that is, the first object can transfer the first resource in the target account by means of the biological feature of the first object in a resource transfer task. Based on this, the first object can obtain the resource transfer service by means of the biological feature of the first object without registering an account by relying on the target account registered by the second object. In this way, the use threshold of the biological feature-based resource transfer service is reduced, and the universality is higher.

Description

Technical Field

[0001] This application relates to the field of data processing technology, and in particular to a resource transfer method, configuration method, and related apparatus. Background Technology

[0002] Biological feature recognition technology is a technique that uses the inherent biological characteristics of an object to identify it.

[0003] With the continuous development of biometric identification technology, obtaining resource transfer services based on biometrics has become a common way for people to access services. For example, obtaining payment services based on biometrics. In practical applications, users first activate the service based on biometrics to store their biometric characteristics in a database. During the application phase, for resource transfer tasks (such as shopping payments), users only need to input their biometric characteristics on a terminal that provides the service. The terminal then compares these characteristics with those stored in the database to identify the user. If the identification confirms that the user has activated the service, the corresponding service (such as payment deduction) is provided.

[0004] However, the methods for obtaining resource transfer services based on biological characteristics in related technologies have a high barrier to entry, which means that some users cannot obtain resource transfer services based on their own biological characteristics, that is, the method has poor universality. Summary of the Invention

[0005] To address the aforementioned technical problems, this application provides a resource transfer method, a configuration method, and related apparatus, which lowers the barrier to entry for using resource transfer services based on biological characteristics and has greater versatility.

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

[0007] On one hand, embodiments of this application provide a resource transfer method, the method comprising:

[0008] For resource transfer tasks, primary biological characteristics are collected;

[0009] The first verification result for the first biological characteristic is displayed;

[0010] In response to the first verification result indicating that there is a first association and binding relationship between the first biological feature and the target account, the first resource corresponding to the resource transfer task is transferred from the target account, the target account has a registration binding relationship with the second object, and the first object identified by the first biological feature and the second object are different objects;

[0011] In response to a successful transfer, a transfer result is displayed to indicate that the first resource was successfully transferred from the target account.

[0012] In another aspect, embodiments of this application provide a resource transfer device, the device comprising a collection unit, a display unit, and a transfer unit:

[0013] The acquisition unit is used to acquire a first biological characteristic for the resource transfer task;

[0014] The display unit is used to display the first verification result for the first biological feature;

[0015] The transfer unit is configured to, in response to the first verification result indicating that there is a first association binding relationship between the first biological feature and the target account, transfer the first resource corresponding to the resource transfer task from the target account, wherein the target account has a registration binding relationship with the second object, and the first object identified by the first biological feature and the second object are different objects;

[0016] The display unit is also configured to, in response to a successful transfer, display a transfer result indicating that the first resource has been successfully transferred from the target account.

[0017] In one possible implementation, if the resource transfer task is a ticket verification task, the transfer unit is further configured to:

[0018] In response to the first verification result indicating that the first biological feature has the first association binding relationship with the target account, a first ticket is selected from the available tickets of the target account as the first resource for verification.

[0019] In one possible implementation, the first ticket is an available ticket that has an affiliation with the first object.

[0020] In one possible implementation, if the resource transfer task is a payment task, the collection unit is further configured to:

[0021] In response to generating the first payment order corresponding to the payment task, the first biological feature is collected;

[0022] The transfer unit is further configured to, in response to the first verification result indicating that the first biological feature has the first association binding relationship with the target account, transfer a first resource of a target value from the target account, wherein the target value is related to the unpaid resource value corresponding to the first payment order.

[0023] In one possible implementation, the display unit is further configured to:

[0024] In response to the target value not meeting the resource transfer limit corresponding to the first object, a transfer result indicating that the first payment order payment failed is displayed;

[0025] The acquisition unit is also used to acquire a second biological characteristic for the first payment order;

[0026] The display unit is also used to display a second verification result for the second biological characteristic;

[0027] In response to the second verification result indicating that there is a second association and binding relationship between the second biological feature and the target account, and the target value meets the resource transfer limit corresponding to the third object identified by the second biological feature, the first resource of the target value is transferred from the target account, wherein the third object is a different object from the second object and the third object is a different object from the first object;

[0028] The display unit is also used to display the transfer result of the first payment order being successfully paid in response to the successful transfer.

[0029] In one possible implementation, the display unit is further configured to:

[0030] In response to the fact that the transfer of the first resource from the target account does not meet the service activation conditions corresponding to the first object, a transfer result indicating that the transfer of the first resource from the target account has failed is displayed.

[0031] In one possible implementation, the service activation conditions corresponding to the first object include at least one of the following: resource transfer limit for the first object to transfer resources from the target account, geographical range of the first object to transfer resources from the target account, and usage time range of the first object to transfer resources from the target account.

[0032] In one possible implementation, the resource transfer limit includes at least one of a cumulative transfer limit and a single transfer limit.

[0033] On the other hand, embodiments of this application provide a configuration method, the method comprising:

[0034] Log in to the target account, which has a registration binding relationship with the second object, and the target account is an account that has activated the resource transfer service;

[0035] In response to a configuration operation triggered by the target account for the resource transfer service, the biological characteristics of a first object are obtained to establish a first association between the biological characteristics of the first object and the target account. The first object and the second object are different objects. The first association indicates that if the object identified by the first biological characteristics collected for the resource transfer task corresponding to the resource transfer service is the first object, the first resource corresponding to the resource transfer task is transferred from the target account using the first biological characteristics.

[0036] Furthermore, embodiments of this application provide a configuration device, which includes a login unit and a configuration unit:

[0037] The login unit is used to log in to the target account, which has a registration binding relationship with the second object, and the target account is an account that has activated the resource transfer service;

[0038] The configuration unit is configured to, in response to a configuration operation triggered by the target account for the resource transfer service, acquire the biological characteristics of a first object to establish a first association binding relationship between the biological characteristics of the first object and the target account. The first object and the second object are different objects. The first association binding relationship is used to indicate that: if the object identified by the first biological characteristics collected for the resource transfer task corresponding to the resource transfer service is the first object, the first resource corresponding to the resource transfer task is transferred from the target account using the first biological characteristics.

[0039] In one possible implementation, the configuration unit is further configured to:

[0040] In response to the configuration operation triggered by the target account for the resource transfer service, the biological characteristics of the first object and the service activation conditions corresponding to the first object are obtained to establish a first association binding relationship between the biological characteristics of the first object, the service activation conditions corresponding to the first object and the target account.

[0041] In one possible implementation, the configuration unit is further configured to:

[0042] Display a prompt message indicating that transferring the first resource from the target account does not meet the service activation conditions corresponding to the first object;

[0043] In response to the rejection operation triggered by the prompt message, a notification message is sent to reject the transfer of the first resource from the target account, so that the resource transfer task fails;

[0044] In response to the consent transfer operation triggered by the prompt message, a notification message agreeing to transfer the first resource from the target account is sent to execute the resource transfer task.

[0045] In one possible implementation, the configuration unit is further configured to:

[0046] In response to the configuration operation triggered by the target account for the resource transfer service, the biological characteristics of the first object and the associated validity period of the first object are obtained to establish a first association binding relationship between the biological characteristics of the first object and the target account, and the validity period of the first association binding relationship is the associated validity period of the first object.

[0047] In one possible implementation, the configuration unit is further configured to:

[0048] In response to the configuration operation triggered by the target account for the resource transfer service, the input page is displayed;

[0049] Biological characteristics are obtained through the input page;

[0050] If the obtained biological characteristics include the biological characteristics of the first object and the biological characteristics of the second object, a first association binding relationship is established between the biological characteristics of the first object and the target account.

[0051] In one possible implementation, the configuration unit is further configured to:

[0052] In response to the configuration operation triggered by the target account for the resource transfer service, the input page is displayed;

[0053] In response to the input operation performed through the input page, multiple biological features to be associated are obtained, including the biological features of the first object.

[0054] For each of the plurality of biological features to be associated, establish an association and binding relationship between each biological feature to be associated and the target account.

[0055] In one possible implementation, the biological feature is any one of palm print features, fingerprint features, iris features, facial features, and voiceprint features.

[0056] On the other hand, embodiments of this application provide a computer device, the computer device including a processor and memory:

[0057] The memory is used to store computer programs and to transfer the computer programs to the processor;

[0058] The processor is configured to execute the method described in any of the foregoing aspects according to instructions in the computer program.

[0059] On the other hand, embodiments of this application provide a computer-readable storage medium for storing a computer program, which, when run by a computer device, causes the computer device to perform the methods described in any of the foregoing aspects.

[0060] On the other hand, embodiments of this application provide a computer program product, including a computer program that, when run on a computer device, causes the computer device to perform the methods described in any of the foregoing aspects.

[0061] As can be seen from the above technical solution, there is a registration binding relationship between the target account and the second object, and the first object identified by the first biological characteristic is a different object from the second object. It is evident that there is a first association binding relationship between the target account registered by the first object and the second object, enabling the first object to obtain resource transfer services using its own biological characteristics through the target account registered by the second object. Specifically, in the resource transfer task, it uses its own biological characteristics to transfer the first resource in the target account it is using. Based on this, relying on the target account registered by the second object, the first object does not need to register an account itself to obtain resource transfer services using its own biological characteristics. This lowers the barrier to entry for obtaining resource transfer services based on biological characteristics, making it more universal. Adopting this method, especially for first objects that do not have the conditions to register an account, also allows them to obtain resource transfer services using biological characteristics, greatly reducing the barrier to entry. Attached Figure Description

[0062] To more clearly illustrate the technical solutions in the embodiments or related technologies of this application, the accompanying drawings used in the description of the embodiments or related technologies will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0063] Figure 1 This is a schematic diagram illustrating an application scenario of a resource transfer method provided in an embodiment of this application;

[0064] Figure 2 A flowchart illustrating a resource transfer method provided in an embodiment of this application;

[0065] Figure 3 A flowchart illustrating a configuration method provided in an embodiment of this application;

[0066] Figure 4 A schematic diagram of a computer system provided in an embodiment of this application;

[0067] Figure 5 This application provides a schematic diagram of a configuration for a payment service.

[0068] Figure 6 A schematic diagram illustrating a ticket allocation scenario provided in an embodiment of this application;

[0069] Figure 7 This is a schematic diagram illustrating a payment deduction scenario provided in an embodiment of this application;

[0070] Figure 8 This is a schematic diagram illustrating a payment scenario for the same payment order, provided as an embodiment of this application.

[0071] Figure 9 A schematic diagram of a system architecture provided for an embodiment of this application;

[0072] Figure 10 An interactive flow diagram provided for an embodiment of this application;

[0073] Figure 11 A structural diagram of a resource transfer device provided in an embodiment of this application;

[0074] Figure 12 A structural diagram of a configuration device provided in an embodiment of this application;

[0075] Figure 13 A structural diagram of a terminal provided in an embodiment of this application;

[0076] Figure 14 This is a structural diagram of a server provided in an embodiment of this application. Detailed Implementation

[0077] The embodiments of this application will now be described with reference to the accompanying drawings.

[0078] Biological signature technology is a technique that uses the inherent biological characteristics of an object to identify it. For example, palm recognition technology uses multimedia information from the palm to determine the identity information of the user identified by that palm.

[0079] With the continuous development of biometric identification technology, obtaining resource transfer services based on biometrics has become a common way for people to access services. However, in related technologies, users of biometric-based resource transfer services need to register an account to activate the service before they can use it.

[0080] This high barrier to entry prevents users without the means to register an account from accessing resource transfer services using their biometrics. In other words, the methods employed in these technologies suffer from high barriers to entry and poor versatility.

[0081] To address this, this application provides a resource transfer method, a configuration method, and related apparatus, lowering the barrier to entry for obtaining resource transfer services based on biological characteristics and increasing versatility. Specifically, the first object and the second object are different objects, and there is a first association binding relationship between the target accounts registered by the first object and the second object. This allows the first object to obtain resource transfer services using its own biological characteristics through the target account registered by the second object. Specifically, in a resource transfer task, the first resource is transferred from the target account using its own biological characteristics.

[0082] Based on this, by relying on the target account registered by the second party, the first party can obtain resource transfer services using their own biological characteristics without needing to register an account themselves. This lowers the barrier to entry for obtaining resource transfer services based on biological characteristics, making it more versatile. This method, especially for first parties who lack the means to register an account, allows them to access resource transfer services using their biological characteristics, significantly reducing the barrier to entry.

[0083] The resource transfer and configuration methods provided in this application can be implemented using computer equipment, which can be a terminal. Terminals include, but are not limited to, biological feature acquisition devices (such as palm-swiping devices), smartphones, computers, intelligent voice interaction devices, smart home appliances, and vehicle terminals. Furthermore, the implementation process may involve interaction with other computer equipment (such as servers). The server can be an independent physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server providing cloud computing services. The terminal and server can be directly or indirectly connected via wired or wireless communication, which is not limited herein.

[0084] This application's embodiments can be specifically applied to scenarios where resource transfer services are obtained using biological characteristics. For example, the resource transfer service could be a ticket verification service. In the application phase, for a specific ticket verification task, user A can input their own biological characteristics to verify tickets in user B's target account, thereby enabling user A to obtain the relevant services corresponding to the ticket, such as a park ticket. After successful verification, user A can enter the park. As another example, the resource transfer service could be a payment service. In the application phase, for a specific payment task (such as shopping payment), user A can input their own biological characteristics to deduct funds from user B's target account. Successful deduction means user A has successfully paid and completed the purchase.

[0085] It should be noted that in the specific embodiments of this application, the process of transferring resources and configuring may involve user information and other related data. When the above embodiments of this application are applied to specific products or technologies, separate consent or permission from the user is required, and the collection, use and processing of related data must comply with the relevant laws, regulations and standards of the relevant countries and regions.

[0086] Figure 1 This illustration shows an application scenario of the resource transfer method provided in the embodiments of this application. Figure 1 The scenario shown uses the aforementioned payment service as an example and the swiping device 100 as an example of the aforementioned computer device for illustration:

[0087] First, it needs to be explained that in Figure 1 In this example, the palm-scanning device 100 has a display area 101 and a sensing area 102. The display area 101 is used to display relevant information (such as payment order information, payment success notifications, etc.), and the sensing area 102 is used to collect biological characteristics. This application does not specifically limit the position and size of the sensing area and display area in the palm-scanning device, nor does it specifically limit the shape of the palm-scanning device; those skilled in the art can set it according to actual needs.

[0088] For example, if a user's purchase totals 28 yuan and payment is required, the display area 101 can show "Total 28 yuan, please pay by swiping your palm". Accordingly, the user extends their palm to collect the first biological feature (such as palm print A) through the sensing area 102.

[0089] Next, the palm-scanning device 100 can display the first verification result for palmprint A. The first verification result can be used to indicate whether palmprint A has a linked account for payment. Specifically, if the first verification result indicates that there is a first association between palmprint A and the target account, wherein the target account has a registration link with user B, that is, the target account was registered by user B, and the user A identified by palmprint A and user B are different users.

[0090] This indicates that user A is linked to user B's target account, and therefore, user A can make a payment through that target account using their palm print. Accordingly, 28 yuan is transferred from the target account. Furthermore, in response to the successful transfer, display "Pay 28 yuan using the target account" can be shown in display area 101.

[0091] It is evident that there is a primary association between the target account registered by User A and User B, enabling User A to make payments by swiping their palm and deducting funds from User B's target account through User B's registered target account.

[0092] Based on this, by relying on the target account registered by user B, user A can also obtain resource transfer services by scanning their palm without registering an account themselves. This lowers the barrier to entry for obtaining resource transfer services based on biological characteristics, making it more universal. Especially when user B does not have the conditions to register an account, they can still use palm payment, greatly reducing the barrier to entry.

[0093] Figure 2 A flowchart of a resource transfer method provided in this application embodiment is used to illustrate the method, with a first terminal as an example of the aforementioned computer device. The method includes S201-S204:

[0094] S201: For resource transfer tasks, collect primary biological characteristics.

[0095] In this context, a resource transfer task can refer to a specific resource transaction corresponding to a resource transfer service. The execution of a resource transfer task can also refer to the process of transferring a certain resource. If the transfer is successful, the resource transfer task is considered successfully executed, and the relevant object can obtain the corresponding service. Conversely, if the transfer fails, the resource transfer task is considered to have failed, and the object cannot obtain the corresponding service. Specifically, resource transfer tasks can vary depending on the resource transfer service. This application does not impose any limitations on this. For ease of understanding, the embodiments of this application provide the following examples:

[0096] In one example, when the resource transfer service is a payment service, the resource transfer task can be a payment task, specifically representing a payment order generated within a payment task. For instance, this is a payment order generated when a user needs to pay a seller for purchased items.

[0097] In another example, when the resource transfer service is a ticket verification service, the resource transfer task can be a ticket verification task, which can represent an event that requires ticket verification. For example, when a user goes to a park or amusement park, they need to buy a ticket, the park needs to verify the ticket, and the user can only enter the park after the ticket verification is successful. In this scenario, the ticket verification task can represent the verification of the user's ticket, and the user can enter the park to obtain the corresponding service upon successful verification.

[0098] Furthermore, resources can refer to assets with usable functions; for example, resources can be virtual resources stored in an account. This application does not impose any limitations on the configuration of resources.

[0099] Typically, resources can vary depending on the resource transfer service and the specific task being transferred. For example, virtual resources might be financial resources like funds in a savings account, which have payment functions. Or, virtual resources might be ticketing-related resources like tickets or coupons, which have ticketing functions.

[0100] Furthermore, resource transfer can refer to the act of transferring resources out of an account, or more specifically, the act of transferring a certain value of resources from one account to another. In resource transfer tasks, users obtain corresponding services by paying resources.

[0101] Accordingly, for resource transfer tasks, the first terminal can collect a first biological feature to trigger the process of executing the resource transfer task using the first biological feature.

[0102] The first biological characteristic refers to the biological characteristics collected for this resource transfer task. Firstly, this application does not impose any limitations on the setting of biological characteristics. In practical applications, biological characteristics refer to the unique attributes and manifestations of an organism, which can be the basis for distinguishing different organisms. As an example, biological characteristics can be any one of palm print features, fingerprint features, iris features, facial features, and voiceprint features. In practical applications, they can be flexibly set according to the actual situation.

[0103] Secondly, this application does not impose any limitations on the timing of collecting the first biological characteristic. For ease of understanding, the embodiments of this application provide the following examples:

[0104] As an example, in a ticket verification scenario, when a user needs to verify a ticket, the user can proactively input their biometric data on a first terminal. Correspondingly, the first terminal can collect this biometric data.

[0105] As another example, in a payment scenario, after the user selects the items to purchase, the cashier scans these items and generates the corresponding payment order, the user is then prompted to input their biometric data on a primary terminal. Accordingly, the primary terminal can collect these biometric data.

[0106] S202: Present the first validation results for the first biological characteristic.

[0107] In practical applications, after collecting the first biometric feature, relevant verification is required to determine whether the first biometric feature can be used for resource transfer to execute the resource transfer task. Accordingly, the first terminal can display the first verification result for the first biometric feature, which can be used to indicate whether the first biometric feature has a bound account for resource transfer.

[0108] As an example, the first verification result can be used to indicate that no account is bound to the first biological characteristic. Accordingly, it can be considered that the first biological characteristic collected in this instance does not have the authority or qualification to perform resource transfer in order to execute the current resource transfer task. For example, no biological characteristic matching the first biological characteristic is found in the database, or although a matching biological characteristic is found, there is no bound account that can be used for resource transfer.

[0109] As another example, the first verification result can be used to indicate that there is a first association and binding relationship between the first biological feature and the target account. Accordingly, it can be considered that the collected first biological feature has the authority or qualification to transfer resources, specifically to transfer resources from the associated target account to execute the current resource transfer task.

[0110] S203: In response to the first verification result indicating that there is a first association and binding relationship between the first biological characteristic and the target account, transfer the first resource corresponding to the resource transfer task from the target account.

[0111] There is a registration binding relationship between the target account and the second object, and the first object identified by the first biological characteristic is a different object from the second object.

[0112] The registration binding relationship indicates that the target account was registered by the second object, that is, the target account belongs to the second object, and the second object can use the target account to perform related functions (such as payment function, ticketing function, etc.).

[0113] Furthermore, the association / binding relationship is used to indicate that other objects besides the second object are also bound to the target account through the association. Based on the association / binding relationship, other objects can use the target account to perform related functions, but the target account itself still belongs to the second object and does not belong to the other objects associated with this account.

[0114] For example, the first association / binding relationship indicates that the first object (different from the second object) is bound to the target account through an association. Based on this first association / binding relationship, the first object can perform relevant functions through the target account, which does not belong to it. In this way, the first object does not need to register its own account to perform relevant functions, which is more convenient.

[0115] Accordingly, in response to the first verification result indicating a first association between the first biological characteristic and the target account, the first terminal can transfer the first resource corresponding to the resource transfer task from the target account. Here, the first resource may refer to the resource to be transferred in this resource transfer task, and the specific details may vary depending on the resource transfer task; this application does not impose any limitations.

[0116] S204: In response to a successful transfer, display the transfer result indicating that the first resource was successfully transferred from the target account.

[0117] Accordingly, in response to a successful transfer, the first terminal can display a transfer result indicating that the first resource has been successfully transferred from the target account. Based on this, it indicates that the current resource transfer task has been successfully executed, and relevant services can be provided to the first recipient. For example, in a payment task, the first recipient can take away the paid-for items.

[0118] Understandably, in response to a transfer failure, the first terminal can also display a transfer result indicating that the transfer of the first resource from the target account has failed. Based on this, it indicates that the current resource transfer task has failed, and consequently, no related services need to be provided to the first target.

[0119] As can be seen from the above technical solution, there is a registration binding relationship between the target account and the second object, and the first object identified by the first biological characteristic is a different object from the second object. It is evident that there is a first association binding relationship between the target account registered by the first object and the second object, enabling the first object to obtain resource transfer services using its own biological characteristics through the target account registered by the second object. Specifically, in the resource transfer task, it uses its own biological characteristics to transfer the first resource in the target account it is using. Based on this, relying on the target account registered by the second object, the first object does not need to register an account itself to obtain resource transfer services using its own biological characteristics. This lowers the barrier to entry for obtaining resource transfer services based on biological characteristics, making it more universal. Adopting this method, especially for first objects that do not have the conditions to register an account, also allows them to obtain resource transfer services using biological characteristics, greatly reducing the barrier to entry.

[0120] Understandably, based on Figure 2 The resource transfer method provided in the embodiment illustrates, from the application process of obtaining resource transfer services using biological characteristics, how a first object transfers resources from a target account using the target account of a second object.

[0121] To better understand, this application also provides a flowchart of a configuration method, illustrating the establishment of a first association binding relationship to ensure usability during application. See details... Figure 3 ,exist Figure 3 In this example, a second terminal is used as an example of the aforementioned computer device for illustration, and the method includes S301-S302:

[0122] S301: Log in to the target account.

[0123] The second terminal can log in to the target account, where there is a registration binding relationship between the target account and the second object. This registration binding relationship indicates that the target account was registered by the second object and belongs to the second object. Furthermore, the target account is an account that has activated the resource transfer service.

[0124] The phrase "resource transfer service activated" indicates that the second object can utilize its own biological characteristics to transfer resources from the target account, i.e., obtain resource transfer services through the target account. Specifically, it can indicate that there is a registration binding relationship between the second object's biological characteristics and the target account. This means that in a resource transfer task, if the collected biological characteristics match the second object's biological characteristics—that is, if the object identified by the collected biological characteristics is the second object—then resource transfer services can be provided from the target account to the object identified by the collected biological characteristics. Specifically, this involves transferring the resources corresponding to the resource transfer task from the target account.

[0125] For example, when making a shopping payment, the second object can use its target account to pay for the shopping by swiping its palm (i.e., inputting its own biological characteristics).

[0126] It should be noted that this application does not impose any limitations on how to log in to the target account or how to activate the resource transfer service. For ease of understanding, this application will be illustrated through the following embodiments.

[0127] Firstly, regarding the method of logging into the target account, this application provides the following explanation:

[0128] As an example, the target account can refer to an account used to log in to an application (such as a client program, applet, web program, etc.) that can provide resource transfer services. Accordingly, the purpose of logging into the target account can be achieved by running the application on a second terminal and logging into the application using the target account.

[0129] As another example, the target account, as the account storing resources, may require an application that provides resource transfer services to be used for resource transfer tasks. Therefore, one can first log in to an application that provides resource transfer services, then bind the target account to the resource transfer service within that application. Afterward, logging into the application will then allow access to the target account. Unlike the previous example, in this example, the account used to log into the application is different from the target account. For example, the application could be an instant messaging client program, and the target account could be a prepaid account. This client program can provide payment services, and the prepaid account can be bound to the payment service within that client program.

[0130] Secondly, regarding the method of activating resource transfer services, the embodiments of this application provide the following explanation:

[0131] As an example, taking the palm-scanning payment service as an example of resource transfer services, the second party can open the palm-scanning service application (such as a palm-scanning service mini-program) through a second terminal (such as a smartphone) and then execute the activation process by calling the over-the-air (OTA) input component. For example, clicking "Start Activation" displays the input page, and the OTA component further utilizes the second terminal's camera to collect the second party's palm print features (such as a palm image) through the input page. After obtaining the palm image information and the information of the currently logged-in target account, the second terminal can send these two pieces of information to the corresponding server to notify the server to establish a registration binding relationship between the second party's biological characteristics and the target account, thereby activating the payment service for the target account.

[0132] Based on this, the second object can activate the palm payment service on the second terminal. Subsequently, in the payment task, the second object can use the target account to make payment by swiping the palm.

[0133] It is understood that the above embodiments are merely examples and are not intended to limit the scope of the application. In practical applications, different resource transfer services may be provided by different developers. Consequently, it may be necessary to register an account and complete the activation process within the application provided by that developer. This will depend on the specific circumstances.

[0134] S302: In response to a configuration operation triggered by the target account for the resource transfer service, obtain the biological characteristics of the first object to establish a first association binding relationship between the biological characteristics of the first object and the target account.

[0135] When it is necessary to bind a first object to a target account so that the first object can obtain resource transfer services through the target account, the resource transfer service can be configured through the target account. Specifically, in response to the configuration operation triggered by the target account for the resource transfer service, the second terminal can obtain the biological characteristics of the first object to establish a first association binding relationship between the biological characteristics of the first object and the target account.

[0136] Here, the first object and the second object are different objects. The first association and binding relationship is used to indicate that: if the object identified by the first biological feature collected for the resource transfer task corresponding to the resource transfer service is the first object, then the first resource corresponding to the resource transfer task can be transferred from the target account using the first biological feature. That is, the first object can use its own biological features to transfer resources from the associated target account, thereby obtaining the resource transfer service.

[0137] Furthermore, configuration operations refer to configuring the resource transfer service activated by the target account to associate and bind other objects under that target account. It should be noted that this application does not impose any limitations on configuration operations. In practical applications, configuration controls can be provided to enable users to quickly and conveniently perform configuration operations, such as clicking a configuration control to trigger the configuration operation.

[0138] As can be seen from the above technical solution, for the target account registered by the second object and already having activated the resource transfer service, a function is provided to configure the activated resource transfer service through the target account. This allows the first object (excluding the second object) to be associated and bound to the target account through configuration operations, enabling the first object to obtain the resource transfer service through the second object's target account. Based on this, the goal of activating resource transfer services for other objects by relying on the target account is achieved, allowing other objects to obtain resource transfer services without having to register an account and activate the service themselves. This lowers the barrier to entry for obtaining resource transfer services based on biological characteristics, making it more versatile.

[0139] against Figure 2 The resource transfer method provided in the embodiments, and Figure 3 The configuration method provided in the embodiments should also be noted that the relationship between the first terminal and the second terminal is not limited in this application. For ease of understanding, this application embodiment uses user A as the first object, user B as the second object, and user B's payment account as the target account as an example, providing relevant examples through the following two scenarios:

[0140] Scene 1:

[0141] The first terminal and the second terminal can be the same terminal. For example, the first terminal and the second terminal are both user B's smartphones.

[0142] During the binding phase, user B logs into the payment account and, through configuration operations, enters user A's biological characteristics to establish an association between user A's biological characteristics and the payment account.

[0143] During the application phase, user A can use user B's smartphone to make purchases and complete the payment by using the payment account and inputting their own biological characteristics.

[0144] Scene 2:

[0145] The first terminal and the second terminal can be different terminals. For example, the first terminal can be the aforementioned biological feature collection device (specifically, a palm-swiping device), and the second terminal can be user B's smartphone.

[0146] During the binding phase, user B can still use their smartphone to input user A's biological characteristics to establish an association between user A's biological characteristics and the payment account.

[0147] In the application phase, user A can input their biological characteristics (such as extending their palm to input palm print features) on a biological feature collection device (such as a palm-scanning device in a supermarket) and use user B's payment account to deduct payment, thereby completing the shopping payment.

[0148] In this scenario, the terminals required for the binding phase and the application phase are different. Therefore, after binding other objects to one's own account, there is no conflict between user B using their own smartphone and user A obtaining resource transfer services through user B's payment account. They can be done simultaneously, thus facilitating others without affecting one's own use of their own smartphone.

[0149] It is also understood that, typically, the established binding relationships can be stored in a database. During the application phase, the collected biological characteristics can be compared with those stored in the database to verify whether the collected biological characteristics have a bound account for resource transfer. This application does not impose any limitations on database settings, etc. For ease of understanding, the following examples are provided in this application's embodiments:

[0150] As an example, the database could be deployed locally on the terminal. For instance, it could be a database on the second terminal's local machine. During the application phase, after the first terminal collects biological characteristics, it can interact with the second terminal to complete the verification. Alternatively, after the second terminal enters the binding information, it can authorize the binding relationship to the first terminal, allowing the first terminal to store the relevant binding relationships in its local database. During the application phase, after the first terminal collects biological characteristics, it can directly query its local database to complete the verification.

[0151] As another example, the database can also be deployed on a server, thus not consuming too much storage resources on the terminal.

[0152] For a more comprehensive understanding, embodiments of this application also provide, as follows: Figure 4 The diagram illustrates a computer system including a terminal 401 (such as a smartphone), a server 402, and a swipe device 403. These devices can be connected via a network to achieve network communication. Specifically:

[0153] During the binding phase:

[0154] The second object can register and log in to the target account on terminal 401, and execute the resource transfer service activation process, and notify server 402 to store the registration binding relationship between the second object's biological characteristics and the target account.

[0155] Furthermore, a configuration operation can be triggered on terminal 401, and correspondingly, terminal 401 can notify server 402 to store the first association binding relationship between the biological characteristics of the first object and the target account.

[0156] In the application phase:

[0157] The palm-scanning device 403 can collect biological features (such as palm print features), and the palm-scanning device 403 can send a verification request to the server 402 for the collected biological features.

[0158] Next, the swiping device 403 can receive the verification result returned by the server 402 (as described in the first verification result above). Accordingly, if it is determined that the collected biological characteristics are bound to account X, a resource transfer request is sent to the server 402, indicating the transfer of certain resources from account X. For example, transferring 33 yuan from account X to account Y.

[0159] Accordingly, after a successful transfer, server 402 can send a notification of successful transfer to swiping device 403, which can then display the transfer result to indicate that the transfer was successful. Additionally, server 402 can also send a notification of successful transfer to terminal 401.

[0160] exist Figure 4 In the example, terminal 401 can be the aforementioned second terminal, and swiping device 403 can be the aforementioned first terminal. Furthermore, it is understood that... Figure 4 The server 402 in the example can be a standalone server, or a server cluster or distributed system consisting of multiple servers. In practical applications, this can be flexibly configured according to the actual situation, and this application does not impose any limitations.

[0161] The resource transfer method and configuration method provided in this application have been illustrated through the above embodiments. In summary, by establishing an association between other objects and the target account of the second object, other objects can obtain resource transfer services without registering their own accounts, thus lowering the barrier to entry and improving versatility. During this process, other objects with the association have the authority or qualification to transfer resources from the target account of the second object.

[0162] It should also be noted that this application does not impose any limitations on the method of establishing the association and binding relationship. For a more comprehensive understanding, this application will provide corresponding embodiments to further illustrate the following aspects.

[0163] First aspect: Configuring transfer permissions

[0164] To achieve better implementation, one possible approach is to support restrictions on the permissions of other objects to transfer resources of the target account. In this way, other objects bound to different associations can have different permissions, which is more flexible and also helps to ensure the security of resources in the target account.

[0165] In this regard, during the binding phase, the aforementioned S302 may include, in specific implementation, the following: in response to the configuration operation triggered by the target account for the resource transfer service, the second terminal may obtain the biological characteristics of the first object and the service activation conditions corresponding to the first object, so as to establish a first association binding relationship between the biological characteristics of the first object, the service activation conditions corresponding to the first object and the target account.

[0166] The service activation conditions corresponding to the first object can be used to represent the conditions under which the first object can obtain resource transfer services through the target account. That is, the resource transfer service activated by the target account will only be effective within the constraints of the first object's service activation conditions when applied to the first object; it will not be effective if the constraints exceed the scope of the first object's service activation conditions. Based on this, when the first object uses biological characteristics to transfer resources from the target account, the first object's service activation conditions must be met for the transfer to proceed; otherwise, the transfer is not possible.

[0167] As can be seen, it supports configuring service activation conditions for other associated objects. Thus, for different objects that need to be associated, the second object can configure its own corresponding service activation conditions according to their actual situation, thereby achieving personalized configuration. On the other hand, this also imposes constraints on the first object's access to resource transfer services through the target account, thereby helping to ensure the security of resources in the target account.

[0168] For example, in a family scenario, the second object can be the parent, and the first object can be other family members (such as child 1, child 2, and elderly people). When binding the account, the parent can configure appropriate service activation conditions for each family member so that family members can obtain resource transfer services through the parent's target account within the constraints of their respective service activation conditions.

[0169] Accordingly, during the application phase, in response to the fact that transferring the first resource from the target account does not meet the service activation conditions corresponding to the first object, the first terminal may display a transfer result indicating that the transfer of the first resource from the target account has failed. That is, when the constraints of the service activation conditions of the first object are exceeded, the first object cannot exercise the function of transferring resources in the target account.

[0170] It is evident that the first object's access to resource transfer services through the second object's target account is conditional, which helps to prevent the abuse of resource transfer services and also helps to ensure the security of resources in the target account.

[0171] It should also be noted that this application does not impose any limitations on the conditions for the service to take effect. For ease of understanding, the following examples are provided in the embodiments of this application:

[0172] As an example, the service activation conditions corresponding to the first object may include at least one of the following: the resource transfer limit for the first object to transfer resources from the target account, the geographical range of the first object to transfer resources from the target account, and the usage time range of the first object to transfer resources from the target account.

[0173] The resource transfer limit refers to the maximum amount of resources that a first object can transfer from a target account, thus restricting the amount of resources transferred by the first object from the target account. The geographical location range restricts the location where the first object can transfer resources from the target account, and the usage time range restricts the time during which the first object can transfer resources from the target account.

[0174] Based on this, the permissions of other associated objects to exercise the target account can be constrained from multiple aspects such as geographical location, usage time, and the amount of resources transferred. This is beneficial for configuring different objects as needed and also helps to ensure the security of resources in the account.

[0175] It should be noted that this is merely an example and is not intended to be limiting. In practical applications, configuration can be tailored to specific needs. For instance, the first object can be configured to access resource transfer services through the target account via a collection device. This ensures that the first object can only access the resource transfer service through the target account when it inputs its biological characteristics on those configured collection devices; conversely, it will not be able to access the service when inputting its biological characteristics on other collection devices.

[0176] It should also be noted that this application does not impose any limitations on the setting of resource transfer limits. For ease of understanding, the embodiments of this application provide the following examples:

[0177] In one possible implementation, the resource transfer limit may include at least one of a cumulative transfer limit and a single transfer limit. The cumulative transfer limit may refer to the cumulative value of resources that the first object can transfer from the target account; for example, in multiple resource transfer tasks, the cumulative value of transferred resources cannot exceed the cumulative transfer limit constraint. The single transfer limit may refer to the value of resources that the first object can transfer from the target account at one time, such as the value of resources transferred in a single resource transfer task.

[0178] Based on this, by refining the resource transfer limits, it is possible to configure the permissions for others to use one's account to obtain resource transfer services in a more granular way. This is beneficial for configuring on demand for different objects and also helps to ensure the security of resources in the account.

[0179] For example, for child 1, the service activation conditions configured by the parents could be: being able to access resource transfer services through the target account while at school a, between 9:00 AM and 6:00 PM daily, with a cumulative transfer limit of 100 yuan / day and a single transfer limit of 23 yuan / transfer. For child 2, the service activation conditions configured by the parents could be: being able to access resource transfer services through the target account while at school b, between 7:00 AM and 12:00 PM daily, with a cumulative transfer limit of 85 yuan / day and a single transfer limit of 40 yuan / transfer.

[0180] In order for the first object to better utilize the target account to obtain resource transfer services, in another possible implementation, when the service activation conditions of the first object are exceeded, the second object can be asked first whether it wants to agree to the resource transfer task that exceeds the service activation conditions, so that the first object still has the opportunity to obtain resource transfer services even when the service activation conditions are exceeded.

[0181] In practical implementation, the second terminal can display a prompt message indicating that transferring the first resource from the target account does not meet the service activation conditions corresponding to the first object. Based on this, the second object is informed that the first object wants to transfer the first resource from the target account, but this transfer does not meet the service activation conditions configured for the first object; the second object is asked if it agrees to the transfer. Furthermore, this prompt message can be interactively displayed by the second object to indicate whether it agrees to the transfer. For example, the prompt message may include an agree control, a refuse control, etc. This application does not impose any limitations on this and can set it according to the actual situation.

[0182] Accordingly, in response to the rejection operation triggered by the prompt message, the second terminal can send a notification message refusing to transfer the first resource from the target account to cause the resource transfer task to fail, and in response to the consent operation triggered by the prompt message, send a notification message agreeing to transfer the first resource from the target account to execute the resource transfer task.

[0183] Therefore, when the service activation conditions for the first party are exceeded, the second party can be asked first whether they want to agree to the transfer, so that the first party still has the opportunity to obtain the resource transfer service even when the service activation conditions are exceeded.

[0184] To better understand, let's refer to the above. Figure 4 Taking the computer system provided in the embodiment as an example, if transferring the first resource from the target account specifically means paying 50 yuan from the target account, and the resource transfer limit for the first object is 18 yuan per transfer, then when the server 402 determines that paying 50 yuan from the target account does not meet the resource transfer limit for the first object, it can send a prompt message to the terminal 401.

[0185] Correspondingly, if the server 402 receives a notification from the terminal 401 that it refuses to transfer the first resource from the target account, the server 402 can send a notification of transfer failure to the swiping device 403 so that the swiping device 403 can display the transfer result that the transfer failed due to exceeding the resource transfer limit.

[0186] If server 402 receives a notification from terminal 401 agreeing to transfer the first resource from the target account, server 402 can pay 50 yuan from the target account. After successful payment, server 402 sends a transfer success notification to swiping device 403 to display the successful transfer result and inform the first recipient that payment was successful. Server 402 can also send a transfer success notification to terminal 401 to inform the second recipient that payment was successful.

[0187] Second aspect: Configuration validity period

[0188] In another possible implementation, it is also possible to support configuring an expiration period for the association binding relationship, which restricts the time limit for other objects to obtain resource transfer services through the target account. This helps to ensure the security of the target account's resources and improve the flexibility of on-demand configuration.

[0189] In specific implementation, the aforementioned S302 may include:

[0190] In response to the configuration operation triggered by the target account for the resource transfer service, the second terminal can obtain the biological characteristics of the first object and the associated validity period of the first object to establish a first association binding relationship between the biological characteristics of the first object and the target account, and the validity period of the first association binding relationship is the associated validity period of the first object.

[0191] Therefore, when establishing associations between other objects and a target account, it is supported to configure the association's validity period. This ensures that the established association is only effective within the validity period. That is, other objects can obtain resource transfer services through the target account during the validity period. After the validity period expires, the association is terminated and becomes invalid, thus preventing them from obtaining resource transfer services from the target account again. This improves the security of the target account's resources and allows for on-demand configuration of different association validity periods for different objects, increasing configuration flexibility.

[0192] In practical applications, the corresponding association binding relationship can be automatically terminated when the association expires. For example, when storing association binding relationships in the server's database, the server can clean up and delete expired association binding relationships based on their validity period.

[0193] For example, if the parent configures the association for child 1 to be valid for one month, the association will be deleted one month after the configuration is completed. If the parent configures the association for child 2 to be valid for one year, the association will be deleted one year after the configuration is completed.

[0194] Third aspect: Improving security

[0195] To improve the security of resource transfer, in one possible implementation, the aforementioned S302 may include:

[0196] In response to a configuration operation triggered by the target account for the resource transfer service, the second terminal can display an input page and obtain biological characteristics through the input page. Then, if the obtained biological characteristics include those of both the first and second objects, a first association binding relationship can be established between the biological characteristics of the first object and the target account.

[0197] As can be seen, when establishing the association between the first object and the target account, it is necessary to input not only the biological characteristics of the first object but also the biological characteristics of the second object. Based on this, establishing the association between other objects and the target account is done with the knowledge of the second object. This helps avoid configuration operations being triggered without the second object's knowledge, which could lead to the unauthorized transfer of resources from the target account, thus improving the resource security of the target account.

[0198] Fourth aspect: Improve binding efficiency

[0199] In one possible implementation, it can support establishing associations and bindings for multiple objects at once, making it easier and faster to complete the configuration when multiple objects need to be associated and bound to a target account, thus improving binding efficiency. Accordingly, the aforementioned S302 can, in specific implementations, include:

[0200] In response to a configuration operation triggered by the target account for the resource transfer service, the second terminal can display an input page. In response to the input operation performed through the input page, multiple biometric features to be associated are obtained, and for each of these features, an association and binding relationship is established between each biometric feature and the target account.

[0201] Among them, the biological features to be associated can refer to biological features that need to be associated with the target account. Multiple biological features to be associated can be used to identify multiple objects (usually multiple different objects), and the biological features of the first object can be included among the multiple biological features to be associated.

[0202] As can be seen, by triggering a single configuration operation, the biological characteristics of multiple objects can be entered, and then associations can be established between each of these objects and the target account. This improves binding efficiency, especially when multiple objects need to be associated with the target account.

[0203] For example, in a family setting, when a family travels together, if only the parent has registered a target account and other family members do not have their own target accounts, the parent only needs to trigger a configuration operation once to enter the biological characteristics of other family members and establish an association between them and the target account, which is more efficient.

[0204] Regarding the embodiments provided in the third and fourth aspects above, it should also be noted that the input page can be used to input biological characteristics. The settings for the input page can be configured as needed (e.g., configured according to the type of biological characteristics to be input), and this application does not impose any limitations. For ease of understanding, the embodiments of this application provide the following examples:

[0205] For details, please refer to [link / reference]. Figure 5 The diagram shown illustrates a configuration for a payment service. Figure 5 In the example, the second terminal is terminal 500, and the target account W registered by user B is logged in on terminal 500. Taking the aforementioned resource transfer service as a payment service as an example, the target account W is an account that has activated the payment service.

[0206] When user B clicks the “Start Configuration” interactive control, the input page can be displayed on terminal 500. In order to facilitate user operation, the input page displays the prompt “Please place your palm in the dotted box”, a dotted box in the shape of a palm, and the “Start Input” interactive control.

[0207] If user B clicks the "Start Entry" interactive control (i.e., performs the aforementioned entry operation), the palm print will be captured sequentially within the dotted frame. For example, in this case, users A1 and A2 need to be bound, and the palm print features A1 of user A1 and A2 of user A2 will be entered accordingly.

[0208] Next, user B can configure the corresponding permissions for users A1 and A2. For permission details, please refer to [link / reference]. Figure 5 As shown. Finally, user B can click the "Submit" button to complete the configuration.

[0209] In practical applications, for example, after clicking "Submit," terminal 500 notifies the server: The association between user A1, its permissions, and the target account W is stored, and the association is valid for one month. After one month, the server can delete the association. Similarly, the association between user A2, its permissions, and the target account W is stored, and the association is valid for six months. After six months, the server can delete the association.

[0210] The configuration method provided in this application has been illustrated through the above embodiments. To better understand this method, the resource transfer method will be further described through the following embodiments.

[0211] Example 1: Taking the resource transfer service as an example of the aforementioned ticket verification service.

[0212] Ticket verification service refers to a service method that verifies a user's ticket so that the user can use the service corresponding to the ticket. It is usually used in scenarios where users need to use tickets to obtain services, such as entering parks or amusement parks with tickets, or obtaining discounted services with coupons.

[0213] In the scenario of ticket verification services, the corresponding elements are ticket verification tasks and tickets as resources. Each ticket verification task requires the verification of relevant tickets. Correspondingly, in the application phase:

[0214] In a specific implementation, the aforementioned S203 may include: in response to a first verification result indicating a first association between a first biological characteristic and a target account, the first terminal may select a first ticket from the available tickets available in the target account as a first resource for cancellation. Here, available tickets may refer to tickets in the target account that have not yet been cancelled and are usable, and the first ticket may refer to the ticket to be cancelled this time.

[0215] As can be seen, in the ticket verification task, if the first biometric feature is collected and verified to have a first association with the target account, ticket verification can be performed from the available tickets available in the target account, thus providing ticket matching services for the first object identified by the first biometric feature. Furthermore, during verification, the first ticket is selected from the available tickets available in the target account for verification. Therefore, as long as the target account has available tickets, verification can be performed from them, making it more convenient.

[0216] Accordingly, after successful verification, the first terminal can display the transfer result of the successful verification of the first ticket. The first user can then access the services corresponding to the first ticket. For example, if the first ticket is a ticket to Park A, and the first terminal is the ticket gate for Park A, then after successful verification, the first user can enter Park A.

[0217] It should be noted that this application does not impose any limitations on the first ticket. For ease of understanding, the embodiments of this application provide the following examples:

[0218] In one possible implementation, the first ticket can be any of the available tickets held by the target account. That is, when verifying the association relationship, the ticket is directly redeemed from the available tickets held by the target account. Based on this, the second object only needs to purchase tickets through the target account, instead of allocating tickets to each associated object individually, which is more convenient.

[0219] For example, when a family travels to Park A, and the purchase of tickets for Park A does not require real-name registration, and there is only one type of ticket for Park A (i.e., all tickets correspond to the same service), the parent only needs to purchase multiple tickets (e.g., 5 tickets) at once. Other family members only need to swipe their palms at the ticket gate of Park A to verify the 5 tickets in the target account sequentially, allowing family members to enter the park quickly.

[0220] With this method, parents only need to buy tickets, eliminating the need to allocate tickets to each family member, making it more convenient.

[0221] In another possible implementation, the first ticket can be an available ticket that is associated with the first object. That is, after the first object inputs its own biological characteristics, it can only redeem tickets belonging to itself in the target account.

[0222] This enables more accurate ticket verification, preventing potential errors such as one person verifying all available tickets. Furthermore, it allows different individuals to use the same target account to verify different tickets, thereby obtaining different services.

[0223] For example, when a family travels to Park B, where ticket purchases require real-name registration or Park B offers multiple ticket options (i.e., different tickets correspond to different services), parents can purchase multiple tickets (e.g., 5 tickets) at once. The 5 tickets are then assigned to specific individuals, establishing an ownership relationship between each person and the ticket. Correspondingly, when family members swipe their palms at the ticket gate at Park B, they can verify the ticket associated with them in their target account, enter the park, and receive the corresponding services. This effectively avoids problems such as the easy loss of paper tickets.

[0224] For example, a ticket 1 (a regular ticket) is assigned to family member 1, and a ticket 2 (a fast-track ticket) is assigned to family member 2. Accordingly, family member 1 scans their palm to verify ticket 1 and enters the park through the regular lane (which may require queuing), while family member 2 scans their palm to verify ticket 2 and enters the park through the fast-track lane (which may not require queuing).

[0225] For ease of understanding, embodiments of this application also provide, as follows: Figure 6 The diagram shown illustrates a scenario for ticket allocation. Figure 6 In the example, the target account is registered by user B (i.e., the second object). ID1 can be used to identify user B, ID2 can be used to identify user A1, and so on. Temporary IDs are also assigned to other objects within the target account to establish association and binding relationships. Accordingly, after purchasing 5 tickets, user B can bind the tickets to each of the respective IDs to establish ownership between the tickets and the user. Similarly, when user A3 swipes their palm, they can redeem ticket 4 in the target account, and when user A4 swipes their palm, they can redeem ticket 5 in the target account.

[0226] Example 2: Taking resource transfer services as an example of the aforementioned payment services

[0227] Payment services can refer to services that facilitate resource transfer and settlement between trading parties. For example, a buyer selects items from a seller and pays the relevant fees. After successful payment, the buyer can take the items, and the relevant resources in the buyer's account (such as the aforementioned financial resources) will be transferred to the seller's account. Accordingly, in payment services, the resource transfer task can be the payment task.

[0228] In specific implementation, the aforementioned S201 may include, in response to generating a first payment order corresponding to a payment task, the first terminal may collect a first biological feature. That is, the first biological feature is only required to be collected when payment is needed for the first payment order. For example, after generating the first payment order, the user may be prompted to pay by swiping their palm.

[0229] Accordingly, in response to the first verification result indicating a first association between the first biological characteristic and the target account, the first terminal can transfer a first resource of target value from the target account. The target value represents the amount of the first resource to be transferred, and this target value is related to the unpaid resource value corresponding to the first payment order.

[0230] Based on this, the first individual can conveniently access payment services by leveraging the second individual's target account and their own biological characteristics. For example, when the first individual makes a purchase, they can simply scan their palm to deduct the cost from the second individual's target account, thus successfully completing the transaction.

[0231] Typically, the target value represents the amount of resources the buyer needs to spend, while the pending resource value for the first payment order represents the amount of resources the seller needs to receive. In practice, if the payment platform offers no discounts, the target value and the pending resource value are the same; if the payment platform offers discounts (such as minimum spend discounts), the target value is less than the pending resource value.

[0232] It should also be noted that when transferring resources for a payment task, the first resource of the target value is typically deducted from the target account, and the value of the resource to be paid for the first payment order is transferred to the receiving account corresponding to the first payment order. The receiving account can be different for different payment orders. For example, the receiving account can be different for the first object shopping at different supermarkets using the target account.

[0233] In payment tasks, other parties make payments through the target account of a second party; this can also be described as a payment method where the second party uses the target account to make payments on behalf of other parties. Correspondingly, it also provides... Figure 7The illustration shows a payment deduction scenario where user B can use their palm print to make a payment directly through the target account. Other users (users A1, A2, A3, and A4) receive the deduction payment service.

[0234] Understandably, if the target value does not meet the resource transfer limit of the first object during payment, it indicates that the request of the first object to transfer resources from the target account exceeds the first object's permissions, and the payment will fail accordingly.

[0235] Accordingly, in response to the target value not meeting the resource transfer limit corresponding to the first object, the first terminal can display a transfer result indicating that the first payment order has failed. In specific implementations, the reason for the payment failure can also be displayed to intuitively inform the first object of the reason for the payment failure.

[0236] Because different resource transfer limits can be configured for different objects, other objects associated with the target account may be able to successfully complete the payment for the first payment order. In practice, for the first payment order, the first terminal can collect a second biometric feature and display a second verification result for that feature. Furthermore, if the second verification result indicates a second association between the second biometric feature and the target account, and the target value meets the resource transfer limit corresponding to the third object identified by the second biometric feature, then the first resource of the target value can be transferred from the target account. Upon successful transfer, the transfer result indicating successful payment for the first payment order is displayed.

[0237] In this context, the third object is different from the second object, and the third object is also different from the first object. That is, the third object and the first object are both associated with and bound to the target account, but they have different resource transfer limits. This allows the first object to fail in payment for the same first payment order, while the third object can successfully complete the payment.

[0238] This demonstrates that different individuals accessing the same target account will receive different payment services. Furthermore, in scenarios involving multiple people traveling together, if one's own payment fails, they can request payment from someone else, thus achieving a more indirect and successful payment on behalf of another.

[0239] To better understand this, embodiments of this application also provide, as follows: Figure 8 The diagram illustrates a payment scenario for the same payment order. Specifically:

[0240] In response to the generation of the first payment order, the display area of ​​the palm-swiping device 801 can show "Total 100 yuan, please swipe your palm to pay." Accordingly, user A1 extends their palm, the palm-swiping device 801 collects the palm of user A1, and sends the palm of user A1 to the server 802 to notify them of the 100 yuan payment and other relevant information. Afterwards, upon receiving the message "Exceeded user A1's resource transfer limit" from the server 801, the display area of ​​the palm-swiping device 801 shows "Payment failed, the current amount to be paid has exceeded your corresponding resource transfer limit." Similarly, for this payment order, user A2 extends their palm, and finally, "Payment successful, paid 100 yuan using the target account."

[0241] It is evident that different individuals accessing the same target account will receive different payment services. Furthermore, in scenarios involving multiple people traveling together, if one's own payment fails, they can request payment from others, thus achieving a more indirect and successful payment on behalf of another. For example... Figure 8 In the example, when user A1 and user A2 travel together, the items user A1 wants to buy exceed the resource transfer limit set by user B, causing the payment to fail. At this time, user A2 can complete the payment by swiping their palm.

[0242] The resource transfer method and configuration method provided in this application have been described in detail through the above embodiments. In summary, by relying on the target account registered by the second object and having activated the resource transfer service, and by establishing an association and binding relationship between other objects and the target account, other objects can obtain the resource transfer service through the target account without having to register their own accounts, thus lowering the usage threshold and improving versatility.

[0243] To better understand, embodiments of this application also provide, as follows: Figure 9 The diagram shown is a schematic of a system architecture, specifically:

[0244] A smartphone (which can be the aforementioned second terminal) is used to run an application to log in to the target account and has a camera that supports users recording palmprint features. It also includes a palmprint activation module, a palm segmentation module, and a permission configuration module. The palmprint activation module can be used to activate resource transfer services (such as palmprint-based payment services and palmprint-based ticket verification services) for the target account. The palm segmentation module can segment the palms of multiple users recorded at once to achieve simultaneous recording of palmprint features for multiple users. The permission configuration module can be used to configure the aforementioned service activation conditions, association validity periods, etc.

[0245] Both palm-swiping device 1 and palm-swiping device 2 can be the aforementioned first terminal. Palm-swiping device 1 can be a device for palm-swiping payment, including a palm-swiping camera, a palm-swiping recognition module, and a payment deduction module. Palm-swiping device 2 can be a device for palm-swiping ticket verification (such as the aforementioned ticket gate), including a palm-swiping camera, a palm-swiping recognition module, and a ticket verification module. In practical applications, the palm-swiping camera can collect streaming media data of the user's current palm, typically supporting simultaneous acquisition by both color and infrared cameras to obtain high-quality imaging of color images and palm veins. It is understood that this is merely an example and is not intended to be limiting. For example, other cameras (such as 3D cameras, depth cameras, etc.) can be used, along with added liveness detection software and hardware to ensure information security.

[0246] In practical applications, after acquiring streaming media data, the palm-scanning device can optimize the streaming media data. The optimal palm image is selected by comprehensively evaluating factors such as palm size, angle, image contrast, image brightness, and clarity, and then sent to the server for subsequent use.

[0247] Both Server 1 and Server 2 can be the aforementioned servers, such as... Figure 4 Server 402 in the example. In this example, server 1 is mainly used to provide services to smartphones, while server 2 can be a merchant-side server (such as a privately deployed server), mainly providing ticket verification services to users and can provide services to the swiping device 2.

[0248] Server 1 can include liveness detection services, storage services, payment services, and basic services. The liveness detection service ensures the activation of the palmprint scanning function and prevents unauthorized activation. The storage service stores relevant data (such as binding relationships and palmprint features). Registration binding relationships and their corresponding palmprint features are stored in the registered palmprint database, while associated binding relationships and their corresponding palmprint features are stored in a temporary palmprint database. This differentiated storage facilitates data management.

[0249] In practical applications, smartphones can interact with server 1 to activate the swipe payment service online, store related binding relationships on server 1, make payments on the smartphone, or obtain other basic services (such as message sending services). Other interactive relationships can be implemented as needed, and this application does not impose any limitations. For example, when a user makes a swipe payment on swipe device 1, swipe device 1 can interact with server 1 to complete verification, payment deduction, etc.

[0250] Furthermore, embodiments of this application also provide, as follows: Figure 10 The diagram shown illustrates an interactive flow. Figure 10In this example, we will use user B as the second object, user A1 and user A2 as the first objects, a swipe-enabled device as the first terminal, and a smartphone as the second terminal. Specifically:

[0251] S1001: Open the "Swipe Palm" mini-program to activate the swipe palm service online.

[0252] User B opens the "Shuazhang" mini-program on their smartphone to log in to the target account and complete the activation process for the "Shuazhang" service. For details, please refer to the aforementioned embodiment (How to activate the resource transfer service) for a detailed explanation.

[0253] S1002: Online activation of the swipe service.

[0254] Correspondingly, the smartphone notifies the server to activate the swipe service for user B. Specifically, the server can store the registration and binding relationship between user B's biological characteristics and the target account, enabling user B to swipe on the swipe device and obtain resource transfer services through the target account.

[0255] Next, when User B wants to activate the service for someone else, they can proceed with steps S1003-S1008:

[0256] S1003: User B opens the Shuazhang mini-program.

[0257] S1004: User A1 extends his palm.

[0258] S1005: User A2 extends his palm.

[0259] S1006: Record temporary palm print features.

[0260] S1007: Configure relevant permissions (such as service activation conditions, association validity period, etc.).

[0261] S1008: Establish association and binding relationships. Specifically, this can be to notify the server to establish an association and binding relationship between user A1 and the target account, and to establish an association and binding relationship between user A2 and the target account.

[0262] Based on this, the mobile phone's camera capability can capture the palm print features of multiple people at once and establish a connection between them. During the connection process, temporary IDs and different permissions can be assigned to different palms, depending on the application scenario. This helps solve convenience issues related to payment, ticket verification, and gate access for families traveling in scenic areas and similar settings.

[0263] In practical applications, members can place their hands under the phone's camera in batches and take pictures, thus simultaneously capturing the hands of multiple people and improving efficiency. After the pictures are taken, the algorithm will collect and segment the hands in the image. After segmenting the hands, a temporary ID will be assigned to each hand, and user B will be prompted to perform a step (such as configuring permissions).

[0264] Understandably, segmenting palm prints from a single image is a complex process, potentially involving multiple steps in image processing and computer vision. In practice, image preprocessing is first required, such as grayscale conversion (changing a color image to grayscale to reduce computational complexity). Gaussian blur is then applied to remove noise, followed by Canny edge detection to detect edges. Next, palm detection is performed. A model can be used to detect the palm region, followed by contour detection to find the palm's outline. Finally, contours based on area and shape are used to filter out potential palm features. Perspective transformation is then applied to each palm contour to convert it to a frontal view, and a refinement algorithm is used to extract the palm print lines. Based on this, the palm print features are determined.

[0265] In practical applications, considering that some merchants use privately deployed servers, user B can execute the following steps S1009-S1010 on their smartphone:

[0266] S1009: Set temporary authorization conditions.

[0267] S1010: Select temporary authorization for merchant mini-programs.

[0268] The temporary authorization conditions can include the scenario information selected by User B (representing specific scenarios such as ticket verification and payment), and the information of the relevant personnel selected by the user (e.g., if there are four people with associated relationships, only User A1 is selected in this instance). After User B selects to temporarily authorize a merchant's mini-program (e.g., a merchant's mini-program for an amusement park), the smartphone can be redirected to the third-party merchant's mini-program for authorization. Thus, after authorization, User A1 can obtain resource transfer services on the authorized merchant's relevant mobile payment device.

[0269] During the application phase, resource transfer services can be obtained by executing the following steps S1011-S1014:

[0270] S1011: User A1 swipes their palm on the palm-swiping device.

[0271] S1012: The palm-swiping device initiates verification.

[0272] After the palm-scanning device collects the palm print features of user A1, it sends a verification request to the server to verify user A1's identity and whether they have an account for obtaining resource transfer services.

[0273] S1013: The server performs verification.

[0274] S1014: The server returns the verification result to the swipe device.

[0275] The server compares the received palmprint features with those stored in the database to complete the verification process and returns the verification result to the palm-swiping device. For example, it determines that there is an association and binding relationship between the palmprint and the target account W, and that the palmprint belongs to ticket 2 within the target account W.

[0276] Afterwards, subsequent resource transfers can be carried out. For example, ticket 2 can be redeemed, or related payments can be made. For details, please refer to the relevant descriptions in the foregoing embodiments, which will not be repeated here.

[0277] In practical applications, when a swipe-based verification device initiates verification, it can also carry its own information, such as its serial number (SN), context information (payment, ticket verification), and geographical location information, which helps improve server verification efficiency. The SN of each device uniquely identifies the current device.

[0278] Furthermore, if the task is determined to be a ticket verification task, the returned verification result may also include the specific ticket, such as ticket 2, which is associated with user A1. If the task is determined to be a payment task, the returned verification result may include a deduction voucher, the protocol format of which can be {user:XXX,proxy_user:tmp_ID}. Here, user refers to the target account (OPENID) information of the current user B, and proxy_user refers to the object identified by the received palm print feature, i.e., the palm ID information of the hand initiating the deduction.

[0279] After receiving the deduction voucher, the swiping device will initiate a deduction request. Upon receiving the deduction request, the server can further parse the current proxy_user's relevant permissions (such as resource transfer limits) and process them accordingly.

[0280] S1015: The server automatically cleans up the associated validity period.

[0281] In addition, the server can automatically clean up, for example, by deleting expired and invalid associations and their palm print features, thereby managing the stored associations and releasing storage space.

[0282] It should be noted that, Figure 10 This is merely an example and does not impose any limitations. For instance, the order of implementation is not restricted. For example, activation and binding can be completed in advance. Also, the order in which users A1 and A2 extend their hands can be reversed, or they can do so simultaneously. Furthermore, the implementation of S1015 does not necessarily require steps like S011. All of these can be determined based on the actual situation.

[0283] The resource transfer and configuration methods provided in this application have been described in detail through the above embodiments. It should also be noted that, based on the implementation methods provided above, this application can be further combined to provide more implementation methods.

[0284] based on Figure 2 Corresponding to the resource transfer method provided in the embodiments, this application also provides a resource transfer device 1100, which includes a collection unit 1101, a display unit 1102, and a transfer unit 1103:

[0285] The acquisition unit 1101 is used to acquire first biological characteristics for resource transfer tasks;

[0286] The display unit 1102 is used to display the first verification result for the first biological feature;

[0287] The transfer unit 1103 is used to transfer the first resource corresponding to the resource transfer task from the target account in response to the first verification result indicating that there is a first association binding relationship between the first biological feature and the target account, wherein the target account has a registration binding relationship with the second object, and the first object identified by the first biological feature and the second object are different objects;

[0288] The display unit 1102 is also configured to, in response to a successful transfer, display a transfer result indicating that the first resource has been successfully transferred from the target account.

[0289] In one possible implementation, if the resource transfer task is a ticket verification task, the transfer unit is further configured to:

[0290] In response to the first verification result indicating that the first biological feature has the first association binding relationship with the target account, a first ticket is selected from the available tickets of the target account as the first resource for verification.

[0291] In one possible implementation, the first ticket is an available ticket that has an affiliation with the first object.

[0292] In one possible implementation, if the resource transfer task is a payment task, the collection unit is further configured to:

[0293] In response to generating the first payment order corresponding to the payment task, the first biological feature is collected;

[0294] The transfer unit is further configured to, in response to the first verification result indicating that the first biological feature has the first association binding relationship with the target account, transfer a first resource of a target value from the target account, wherein the target value is related to the unpaid resource value corresponding to the first payment order.

[0295] In one possible implementation, the display unit is further configured to:

[0296] In response to the target value not meeting the resource transfer limit corresponding to the first object, a transfer result indicating that the first payment order payment failed is displayed;

[0297] The acquisition unit is also used to acquire a second biological characteristic for the first payment order;

[0298] The display unit is also used to display a second verification result for the second biological characteristic;

[0299] In response to the second verification result indicating that there is a second association binding relationship between the second biological feature and the target account, and the target value satisfies the resource transfer limit corresponding to the third object identified by the second biological feature, the first resource of the target value is transferred from the target account, wherein the third object is a different object from the second object and the third object is a different object from the first object;

[0300] The display unit is also used to display the transfer result of the first payment order being successfully paid in response to the successful transfer.

[0301] In one possible implementation, the display unit is further configured to:

[0302] In response to the fact that the transfer of the first resource from the target account does not meet the service activation conditions corresponding to the first object, a transfer result is displayed to indicate that the transfer of the first resource from the target account has failed.

[0303] In one possible implementation, the service activation conditions corresponding to the first object include at least one of the following: resource transfer limit for the first object to transfer resources from the target account, geographical range of the first object to transfer resources from the target account, and usage time range of the first object to transfer resources from the target account.

[0304] In one possible implementation, the resource transfer limit includes at least one of a cumulative transfer limit and a single transfer limit.

[0305] based on Figure 3 Corresponding to the configuration method provided in the embodiments, this application also provides a configuration device 1200, which includes a login unit 1201 and a configuration unit 1202:

[0306] The login unit 1201 is used to log in to the target account, the target account has a registration binding relationship with the second object, and the target account is an account that has activated the resource transfer service;

[0307] The configuration unit 1202 is configured to, in response to a configuration operation triggered by the target account for the resource transfer service, acquire the biological characteristics of a first object to establish a first association binding relationship between the biological characteristics of the first object and the target account. The first object and the second object are different objects. The first association binding relationship is used to indicate that: if the object identified by the first biological characteristics collected for the resource transfer task corresponding to the resource transfer service is the first object, the first resource corresponding to the resource transfer task is transferred from the target account using the first biological characteristics.

[0308] In one possible implementation, the configuration unit is further configured to:

[0309] In response to the configuration operation triggered by the target account for the resource transfer service, the biological characteristics of the first object and the service activation conditions corresponding to the first object are obtained to establish a first association binding relationship between the biological characteristics of the first object, the service activation conditions corresponding to the first object and the target account.

[0310] In one possible implementation, the configuration unit is further configured to:

[0311] A prompt message is displayed, indicating that transferring the first resource from the target account does not meet the service activation conditions corresponding to the first object;

[0312] In response to the rejection operation triggered by the prompt message, a notification message is sent to reject the transfer of the first resource from the target account, so that the resource transfer task fails;

[0313] In response to the consent transfer operation triggered by the prompt message, a notification message agreeing to transfer the first resource from the target account is sent to execute the resource transfer task.

[0314] In one possible implementation, the configuration unit is further configured to:

[0315] In response to the configuration operation triggered by the target account for the resource transfer service, the biological characteristics of the first object and the associated validity period of the first object are obtained to establish a first association binding relationship between the biological characteristics of the first object and the target account, and the validity period of the first association binding relationship is the associated validity period of the first object.

[0316] In one possible implementation, the configuration unit is further configured to:

[0317] In response to the configuration operation triggered by the target account for the resource transfer service, the input page is displayed;

[0318] Biological characteristics are obtained through the input page;

[0319] If the obtained biological characteristics include the biological characteristics of the first object and the biological characteristics of the second object, a first association binding relationship is established between the biological characteristics of the first object and the target account.

[0320] In one possible implementation, the configuration unit is further configured to:

[0321] In response to the configuration operation triggered by the target account for the resource transfer service, the input page is displayed;

[0322] In response to the input operation performed through the input page, multiple biological features to be associated are obtained, including the biological features of the first object.

[0323] For each of the plurality of biological features to be associated, establish an association and binding relationship between each biological feature to be associated and the target account.

[0324] In one possible implementation, the biological feature is any one of palm print features, fingerprint features, iris features, facial features, and voiceprint features.

[0325] As can be seen from the above technical solution, there is a registration binding relationship between the target account and the second object, and the first object identified by the first biological characteristic is a different object from the second object. It is evident that there is a first association binding relationship between the target account registered by the first object and the second object, enabling the first object to obtain resource transfer services using its own biological characteristics through the target account registered by the second object. Specifically, in the resource transfer task, it uses its own biological characteristics to transfer the first resource in the target account it is using. Based on this, relying on the target account registered by the second object, the first object does not need to register an account itself to obtain resource transfer services using its own biological characteristics. This lowers the barrier to entry for obtaining resource transfer services based on biological characteristics, making it more universal. Adopting this method, especially for first objects that do not have the conditions to register an account, also allows them to obtain resource transfer services using biological characteristics, greatly reducing the barrier to entry.

[0326] This application also provides a computer device, which can be a terminal, taking a smartphone as an example:

[0327] Figure 13 The diagram shown is a block diagram of a portion of the structure of a smartphone provided in an embodiment of this application. (Reference) Figure 13 The smartphone includes components such as a radio frequency (RF) circuit 1110, memory 1120, an input unit 1130, a display unit 1140, a sensor 1150, an audio circuit 1160, a Wi-Fi module 1170, a processor 1180, and a power supply 1190. The input unit 1130 may include a touch panel 1131 and other input devices 1132, the display unit 1140 may include a display panel 1141, and the audio circuit 1160 may include a speaker 1161 and a microphone 1162. Those skilled in the art will understand that... Figure 13 The smartphone structure shown does not constitute a limitation on smartphones and may include more or fewer components than shown, or combine certain components, or have different component arrangements.

[0328] The memory 1120 can be used to store software programs and modules. The processor 1180 executes various functions and data processing of the smartphone by running the software programs and modules stored in the memory 1120. The memory 1120 may mainly include a program storage area and a data storage area. The program storage area may store the operating system, at least one application program required for a function (such as sound playback function, image playback function, etc.), etc.; the data storage area may store data created according to the use of the smartphone (such as audio data, phonebook, etc.). In addition, the memory 1120 may include high-speed random access memory, and may also include non-volatile memory, such as at least one disk storage device, flash memory device, or other volatile solid-state memory device.

[0329] The processor 1180 is the control center of the smartphone, connecting various parts of the smartphone via various interfaces and lines. It performs various functions and processes data by running or executing software programs and / or modules stored in the memory 1120, and by accessing data stored in the memory 1120. Optionally, the processor 1180 may include one or more processing units; preferably, the processor 1180 may integrate an application processor and a modem processor, wherein the application processor mainly handles the operating system, user interface, and applications, and the modem processor mainly handles wireless communication. It is understood that the modem processor may not be integrated into the processor 1180.

[0330] In this embodiment, the steps executed by the processor 1180 in the smartphone can perform the following steps:

[0331] For resource transfer tasks, primary biological characteristics are collected;

[0332] The first verification result for the first biological characteristic is displayed;

[0333] In response to the first verification result indicating that there is a first association and binding relationship between the first biological feature and the target account, the first resource corresponding to the resource transfer task is transferred from the target account, the target account has a registration binding relationship with the second object, and the first object identified by the first biological feature and the second object are different objects;

[0334] In response to a successful transfer, a transfer result is displayed to indicate that the first resource was successfully transferred from the target account.

[0335] Furthermore, in other embodiments, the steps performed by the processor 1180 in the smartphone may also perform the following steps:

[0336] Log in to the target account, which has a registration binding relationship with the second object, and the target account is an account that has activated the resource transfer service;

[0337] In response to a configuration operation triggered by the target account for the resource transfer service, the biological characteristics of a first object are obtained to establish a first association between the biological characteristics of the first object and the target account. The first object and the second object are different objects. The first association indicates that if the object identified by the first biological characteristics collected for the resource transfer task corresponding to the resource transfer service is the first object, the first resource corresponding to the resource transfer task is transferred from the target account using the first biological characteristics.

[0338] The computer device provided in this application embodiment can also be a server. Please refer to [link / reference]. Figure 14 As shown, Figure 14 This is a structural diagram of the server 1200 provided in this application embodiment. The server 1200 can vary significantly due to different configurations or performance. It may include one or more processors, such as a Central Processing Unit (CPU) 1222, and memory 1232, and one or more storage media 1230 (e.g., one or more mass storage devices) for storing application programs 1242 or data 1244. The memory 1232 and storage media 1230 can be temporary or persistent storage. The program stored in the storage media 1230 may include one or more modules (not shown in the diagram), and each module may include a series of instruction operations on the server. Furthermore, the CPU 1222 may be configured to communicate with the storage media 1230 and execute the series of instruction operations in the storage media 1230 on the server 1200.

[0339] Server 1200 may also include one or more power supplies 1226, one or more wired or wireless network interfaces 1250, one or more input / output interfaces 1258, and / or one or more operating systems 1241, such as Windows Server. TM Mac OS X TM Unix TM Linux TM FreeBSD TM etc.

[0340] In this embodiment, the central processing unit 1222 in the server 1200 can be based on Figure 14 The structure shown is implemented.

[0341] According to one aspect of this application, a computer-readable storage medium is provided for storing a computer program that, when executed by a computer device, causes the computer device to perform the resource transfer method or configuration method described in the foregoing embodiments.

[0342] According to one aspect of this application, a computer program product is provided, comprising a computer program stored in a computer-readable storage medium. A processor of a computer device reads the computer program from the computer-readable storage medium and executes the computer program, causing the computer device to perform the methods provided in various optional implementations of the above embodiments.

[0343] The descriptions of the processes or structures corresponding to the above figures each have their own emphasis. For parts of a process or structure that are not described in detail, please refer to the relevant descriptions of other processes or structures.

[0344] The terms “first,” “second,” “third,” “fourth,” etc. (if present) in the specification and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such use of information can be interchanged where appropriate so that the embodiments of this application described herein can be implemented, for example, in orders other than those illustrated or described herein. Furthermore, the terms “comprising” and “having,” and any variations thereof, are intended to cover a non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0345] In the several embodiments provided in this application, it should be understood that the disclosed systems, apparatuses, and methods can be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative; for instance, the division of units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection between apparatuses or units through some interfaces, and may be electrical, mechanical, or other forms.

[0346] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0347] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0348] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to related technologies, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), disks, or optical discs.

[0349] In this application embodiment, the terms "module" or "unit" refer to a computer program or part of a computer program that has a predetermined function and works with other related parts to achieve a predetermined goal, and can be implemented wholly or partially using software, hardware (such as processing circuitry or memory), or a combination thereof. Similarly, a processor (or multiple processors or memory) can be used to implement one or more modules or units. Furthermore, each module or unit can be part of an overall module or unit that includes the functionality of that module or unit.

[0350] The above-described embodiments are only used to illustrate the technical solutions of this application, and are not intended to limit them. Although this application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some of the technical features. Such modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of this application.

Claims

1. A resource transfer method, characterized in that, The method includes: For resource transfer tasks, primary biological characteristics are collected; The first verification result for the first biological characteristic is displayed; In response to the first verification result indicating that there is a first association and binding relationship between the first biological feature and the target account, the first resource corresponding to the resource transfer task is transferred from the target account, the target account has a registration binding relationship with the second object, and the first object identified by the first biological feature and the second object are different objects; In response to a successful transfer, a transfer result is displayed to indicate that the first resource was successfully transferred from the target account.

2. The method according to claim 1, characterized in that, If the resource transfer task is a ticket verification task, the response to the first verification result indicating a first association between the first biological characteristic and the target account, and the transfer of the first resource corresponding to the resource transfer task from the target account, includes: In response to the first verification result indicating that the first biological feature has the first association binding relationship with the target account, a first ticket is selected from the available tickets of the target account as the first resource for verification.

3. The method according to claim 2, characterized in that, The first ticket is an available ticket that is associated with the first object.

4. The method according to claim 1, characterized in that, If the resource transfer task is a payment task, the collection of the first biological characteristic for the resource transfer task includes: In response to generating the first payment order corresponding to the payment task, the first biological feature is collected; The response to the first verification result indicating a first association between the first biological feature and the target account, and the transfer of the first resource corresponding to the resource transfer task from the target account, includes: In response to the first verification result indicating that the first biological feature has the first association binding relationship with the target account, a first resource of target value is transferred from the target account, the target value being related to the unpaid resource value corresponding to the first payment order.

5. The method according to claim 4, characterized in that, The method further includes: In response to the target value not meeting the resource transfer limit corresponding to the first object, a transfer result indicating that the first payment order payment failed is displayed; For the first payment order, collect the second biological characteristics; The second verification result is presented for the second biological characteristic; In response to the second verification result indicating that there is a second association and binding relationship between the second biological feature and the target account, and the target value meets the resource transfer limit corresponding to the third object identified by the second biological feature, the first resource of the target value is transferred from the target account, wherein the third object is a different object from the second object and the third object is a different object from the first object; In response to a successful transfer, the transfer result of the first payment order being successfully paid is displayed.

6. The method according to claim 1, characterized in that, The method further includes: In response to the fact that the transfer of the first resource from the target account does not meet the service activation conditions corresponding to the first object, a transfer result indicating that the transfer of the first resource from the target account has failed is displayed.

7. The method according to claim 6, characterized in that, The service activation conditions corresponding to the first object include at least one of the following: the resource transfer limit for the first object to transfer resources from the target account, the geographical range of the first object to transfer resources from the target account, and the usage time range of the first object to transfer resources from the target account.

8. The method according to claim 7, characterized in that, The resource transfer limit includes at least one of a cumulative transfer limit and a single transfer limit.

9. A configuration method, characterized in that, The method includes: Log in to the target account, which has a registration binding relationship with the second object, and the target account is an account that has activated the resource transfer service; In response to a configuration operation triggered by the target account for the resource transfer service, the biological characteristics of a first object are obtained to establish a first association between the biological characteristics of the first object and the target account. The first object and the second object are different objects. The first association indicates that if the object identified by the first biological characteristics collected for the resource transfer task corresponding to the resource transfer service is the first object, the first resource corresponding to the resource transfer task is transferred from the target account using the first biological characteristics.

10. The method according to claim 9, characterized in that, The step of responding to a configuration operation triggered by the target account for the resource transfer service, obtaining the biological characteristics of a first object to establish a first association between the biological characteristics of the first object and the target account, includes: In response to the configuration operation triggered by the target account for the resource transfer service, the biological characteristics of the first object and the service activation conditions corresponding to the first object are obtained to establish a first association binding relationship between the biological characteristics of the first object, the service activation conditions corresponding to the first object and the target account.

11. The method according to claim 10, characterized in that, The method further includes: Display a prompt message indicating that transferring the first resource from the target account does not meet the service activation conditions corresponding to the first object; In response to the rejection operation triggered by the prompt message, a notification message is sent to reject the transfer of the first resource from the target account, so that the resource transfer task fails; In response to the consent transfer operation triggered by the prompt message, a notification message agreeing to transfer the first resource from the target account is sent to execute the resource transfer task.

12. The method according to claim 9, characterized in that, The step of responding to a configuration operation triggered by the target account for the resource transfer service, obtaining the biological characteristics of a first object to establish a first association between the biological characteristics of the first object and the target account, includes: In response to the configuration operation triggered by the target account for the resource transfer service, the biological characteristics of the first object and the associated validity period of the first object are obtained to establish a first association binding relationship between the biological characteristics of the first object and the target account, and the validity period of the first association binding relationship is the associated validity period of the first object.

13. The method according to claim 9, characterized in that, The step of responding to a configuration operation triggered by the target account for the resource transfer service, obtaining the biological characteristics of a first object to establish a first association between the biological characteristics of the first object and the target account, includes: In response to the configuration operation triggered by the target account for the resource transfer service, the input page is displayed; Biological characteristics are obtained through the input page; If the obtained biological characteristics include the biological characteristics of the first object and the biological characteristics of the second object, a first association binding relationship is established between the biological characteristics of the first object and the target account.

14. The method according to claim 9, characterized in that, The step of responding to a configuration operation triggered by the target account for the resource transfer service, obtaining the biological characteristics of a first object to establish a first association between the biological characteristics of the first object and the target account, includes: In response to the configuration operation triggered by the target account for the resource transfer service, the input page is displayed; In response to the input operation performed through the input page, multiple biological features to be associated are obtained, including the biological features of the first object. For each of the plurality of biological features to be associated, establish an association and binding relationship between each biological feature to be associated and the target account.

15. The method according to any one of claims 9-14, characterized in that, Biological characteristics include any one of palm print characteristics, fingerprint characteristics, iris characteristics, facial characteristics, and voiceprint characteristics.

16. A resource transfer device, characterized in that, The device includes a data acquisition unit, a display unit, and a transfer unit: The acquisition unit is used to acquire a first biological characteristic for the resource transfer task; The display unit is used to display the first verification result for the first biological feature; The transfer unit is configured to, in response to the first verification result indicating that there is a first association binding relationship between the first biological feature and the target account, transfer the first resource corresponding to the resource transfer task from the target account, wherein the target account has a registration binding relationship with the second object, and the first object identified by the first biological feature and the second object are different objects; The display unit is also configured to, in response to a successful transfer, display a transfer result indicating that the first resource has been successfully transferred from the target account.

17. A configuration device, characterized in that, The device includes a login unit and a configuration unit: The login unit is used to log in to the target account, which has a registration binding relationship with the second object, and the target account is an account that has activated the resource transfer service; The configuration unit is configured to, in response to a configuration operation triggered by the target account for the resource transfer service, acquire the biological characteristics of a first object to establish a first association binding relationship between the biological characteristics of the first object and the target account. The first object and the second object are different objects. The first association binding relationship is used to indicate that: if the object identified by the first biological characteristics collected for the resource transfer task corresponding to the resource transfer service is the first object, the first resource corresponding to the resource transfer task is transferred from the target account using the first biological characteristics.

18. A computer device, characterized in that, The computer device includes a processor and memory: The memory is used to store computer programs and to transfer the computer programs to the processor; The processor is configured to execute the method according to any one of claims 1-8, or the method according to any one of claims 9-15, based on instructions in the computer program.

19. A computer-readable storage medium, characterized in that, The computer-readable storage medium is used to store a computer program that, when executed by a computer device, causes the computer device to perform the method according to any one of claims 1-8, or the method according to any one of claims 9-15.

20. A computer program product, comprising a computer program, characterized in that, When it is run on a computer device, it causes the computer device to perform the method of any one of claims 1-8, or the method of any one of claims 9-15.

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