Resource transfer method, device, terminal and storage medium

文档序号：1893776 发布日期：2021-11-26 浏览：23次中文

阅读说明：本技术 资源转移方法、装置、终端及存储介质 (Resource transfer method, device, terminal and storage medium ) 是由延志远王凯于 2021-08-30 设计创作，主要内容包括：本公开提供了一种资源转移方法、装置、终端及存储介质,属于互联网技术领域。所述方法包括：调用资源转移控件的关联账号对应的查询接口,查询关联账号绑定的卡片,卡片至少包括不具有资源转移功能的第一类型的第一卡片；显示资源转移控件的关联账号绑定的卡片；响应于针对第一卡片的选择操作,获取第一卡片的签约要素；当基于签约要素完成签约验证,将第一卡片由第一类型转换为具有资源转移功能的第二类型；基于第二类型的第一卡片进行资源转移。本公开无需用户手动输入用于资源转移的卡片,通过将第一卡片由不具有资源功能的转换为具有资源转移功能,从而基于第一卡片进行资源转移,降低了资源转移过程的操作复杂度。(The disclosure provides a resource transfer method, a resource transfer device, a terminal and a storage medium, and belongs to the technical field of internet. The method comprises the following steps: calling a query interface corresponding to the associated account of the resource transfer control, and querying cards bound by the associated account, wherein the cards at least comprise a first card of a first type without a resource transfer function; displaying a card bound by the associated account of the resource transfer control; responding to the selection operation aiming at the first card, and acquiring a signing element of the first card; when signing verification is completed based on the signing elements, the first card is converted from a first type to a second type with a resource transfer function; the resource transfer is performed based on the first card of the second type. According to the resource transfer method and the resource transfer device, the user does not need to manually input the card for resource transfer, the first card is converted from the card without the resource function into the card with the resource transfer function, so that the resource transfer is carried out based on the first card, and the operation complexity of the resource transfer process is reduced.)

1. A resource transfer method is applied to a scene that a target user who logs in a first account is used as a service provider to obtain services provided by other users, the first account is an account registered by the target user as the service provider to provide the services for the other users, and the method comprises the following steps:

when the resource transfer operation of the first account is detected, displaying a resource transfer interface of the first account, wherein a resource transfer control is displayed on the resource transfer interface and is associated with the account of the target user;

based on the resource transfer control, calling a query interface corresponding to an associated account of the resource transfer control, and querying a card bound by the associated account, wherein the card at least comprises a first card of a first type, and the card of the first type does not have a resource transfer function;

displaying a card bound by the associated account of the resource transfer control;

responding to the selection operation aiming at the first card, and acquiring a signing element of the first card, wherein the signing element is information for realizing the conversion of the card from a first type to a second type;

when signing verification is completed based on the signing elements, the first card is converted from a first type to a second type, and the second type card has a resource transfer function;

and performing resource transfer based on the first card of the second type.

2. The method of claim 1, wherein the resource transfer control includes a first resource transfer control associated with the first account, and the querying, based on the resource transfer control, invoking a query interface corresponding to an associated account of the resource transfer control to query the card bound to the associated account includes:

and calling a first query interface corresponding to the first account to query the first card of the first type and the second card of the second type bound by the first account.

3. The method of claim 2, wherein the displaying the card of the account number binding associated with the resource transfer control comprises:

and displaying a first card of a first type and a second card of a second type bound by the first account on the first resource transfer control.

4. The method of claim 2, further comprising:

and responding to the selection operation of the second card, and performing resource transfer based on the second card.

5. The method according to any one of claims 1 to 4, further comprising:

when the first card or the second card does not have the resource transfer password, setting a corresponding resource transfer password for the first card or the second card;

and executing the resource transfer operation based on the resource transfer password corresponding to the first card or the second card.

6. The method according to claim 1, wherein the resource transfer control includes a second resource transfer control associated with a second account, the second account is an account registered by the target user as a service provider for obtaining a service, and the querying, based on the resource transfer control, invoking a query interface corresponding to an associated account of the resource transfer control to query the card bound to the associated account includes:

and responding to the triggering operation aiming at the second resource transfer control, calling a second query interface corresponding to the second account, and querying a first card of the first type and a third card of the second type bound to the second account.

7. The method according to claim 6, wherein the invoking of the second query interface corresponding to the second account to query the first card of the first type and the third card of the second type bound to the second account includes:

acquiring a first member identification corresponding to the first account;

acquiring an entity name of the target user based on the first member identification;

based on the entity name of the target user, calling the second query interface to acquire a second member identification corresponding to the second account;

calling the second query interface based on the second member identification to acquire a second account corresponding to the second member identification;

and calling the second query interface based on the second account to obtain the first card of the first type and the third card of the second type bound by the second account.

8. The method of claim 6, wherein the displaying the card of the account number binding associated with the resource transfer control comprises:

displaying the first card and the third card of the first type on a card binding interface, wherein the card binding interface is displayed in response to a trigger operation for the second resource transfer control.

9. The method of claim 8, wherein prior to displaying the first card of the first type and the third card on a card binding interface, further comprising:

carrying out first duplication elimination on the first card of the first type and the third card to obtain a card subjected to first duplication elimination;

carrying out secondary duplicate removal on the card subjected to the primary duplicate removal and the card bound by the first account number to obtain a card subjected to secondary duplicate removal;

the displaying the first card and the third card of the first type on a card binding interface includes:

and displaying the cards subjected to the second duplication elimination on the card binding interface.

10. The method of claim 6, wherein the method comprises:

responding to the selection operation aiming at the third card, and displaying a signing element interface on which a communication number is displayed;

receiving a verification code based on the communication number;

when the verification code passes verification, binding the third card with the first account;

and performing resource transfer based on the third card.

11. The method of claim 1, wherein the obtaining the contract elements for the first card in response to the selection operation for the first card comprises:

displaying a signing element interface in response to the selection operation for the first card;

acquiring a signing element input by the target user based on the signing element interface, wherein the signing element comprises a communication number;

when the signing verification is completed based on the signing elements, the first card is converted from the first type to the second type, and the conversion comprises the following steps:

receiving a verification code based on the communication number;

and when the verification code passes verification, converting the first card from the first type to the second type.

12. The method of claim 10 or 11, wherein the first card of the first type is bound to the second account number, the method further comprising:

acquiring the identity verification information of the target user based on the signing element interface;

and when the identity authentication information passes the authentication, executing a step of receiving an authentication code based on the communication number.

13. A resource transfer apparatus, which is applied to a scenario in which a target user who logs in a first account is used as a service provider to obtain services provided by other users, the first account being an account registered by the target user as a service provider to provide the services to the other users, the apparatus comprising:

the display module is used for displaying a resource transfer interface of the first account when detecting the resource transfer operation of the first account, wherein a resource transfer control is displayed on the resource transfer interface and is associated with the account of the target user;

the query module is used for calling a query interface corresponding to an associated account of the resource transfer control based on the resource transfer control to query cards bound by the associated account, wherein the cards at least comprise a first card of a first type, and the card of the first type does not have a resource transfer function;

the display module is also used for displaying a card bound by the associated account of the resource transfer control;

the acquisition module is used for responding to the selection operation aiming at the first card and acquiring the signing element of the first card, wherein the signing element is information for realizing the conversion of the first type of the card into the second type;

the conversion module is used for converting the first card from a first type to a second type when signing verification is completed based on the signing elements, and the second type card has a resource transfer function;

and the resource transfer module is used for transferring resources based on the first card of the second type.

14. A terminal, characterized in that the terminal comprises a processor and a memory, in which at least one program code is stored, which is loaded and executed by the processor to implement the resource transfer method according to any of claims 1 to 12.

15. A computer-readable storage medium, having stored therein at least one program code, which is loaded and executed by a processor, to implement the resource transfer method according to any one of claims 1 to 12.

Technical Field

The present disclosure relates to the field of internet technologies, and in particular, to a resource transfer method, apparatus, terminal, and storage medium.

Background

In the scenario of resource transfer at the B-side, the B-side user can serve as a service provider to obtain resources transferred by the C-side user who is served, and the B-side user can also serve as a service provider to transfer resources to other B-side users to obtain services provided by other B-side users. For example, in a take-away or taxi-taking scene, the merchant or the driver serves as a service provider to provide services for the user, and meanwhile, the merchant or the driver can also serve as a service provider to obtain services provided by other merchants or drivers. However, the account system of the B-side is different from the account system of the C-side, and the bank card bound to the B-side can only be presented and cannot perform resource transfer, so when the user of the B-side is used as a service party, a bank card needs to be bound to perform resource transfer.

Currently, when resource transfer is performed by a B-side user, a card number of a bank card to be bound needs to be manually input, and then resource transfer is performed based on the manually bound bank card.

However, the card number of the bank card is generally longer, which results in higher operation complexity of the resource transfer method.

Disclosure of Invention

The embodiment of the disclosure provides a resource transfer method, a resource transfer device, a terminal and a storage medium, which can reduce the operation complexity of a resource transfer process. The technical scheme is as follows:

in a first aspect, a resource transfer method is provided, where a target user who logs in a first account is used as a service provider to obtain a scenario where another user provides a service, and the first account is an account registered by the target user as a service provider to provide the service to the other user, where the method includes:

displaying a card bound by the associated account of the resource transfer control;

when signing verification is completed based on the signing elements, the first card is converted from a first type to a second type, and the second type card has a resource transfer function;

and performing resource transfer based on the first card of the second type.

In another embodiment of the present disclosure, the resource transfer control includes a first resource transfer control associated with the first account, and the invoking, based on the resource transfer control, a query interface corresponding to an associated account of the resource transfer control to query the card bound to the associated account includes:

and calling a first query interface corresponding to the first account to query the first card of the first type and the second card of the second type bound by the first account.

In another embodiment of the present disclosure, the card for displaying the account number binding associated with the resource transfer control includes:

and displaying a first card of a first type and a second card of a second type bound by the first account on the first resource transfer control.

In another embodiment of the present disclosure, the method further comprises:

and responding to the selection operation of the second card, and performing resource transfer based on the second card.

In another embodiment of the present disclosure, the method further comprises:

when the first card or the second card does not have the resource transfer password, setting a corresponding resource transfer password for the first card or the second card;

and executing the resource transfer operation based on the resource transfer password corresponding to the first card or the second card.

In another embodiment of the present disclosure, the resource transfer control includes a second resource transfer control associated with a second account, where the second account is an account registered by the target user as a service provider for obtaining a service, and the querying an inquiry interface corresponding to an associated account of the resource transfer control is called based on the resource transfer control to query the card bound to the associated account, where the method includes:

In another embodiment of the present disclosure, the invoking a second query interface corresponding to the second account to query a first card of a first type and a third card of a second type bound to the second account includes:

acquiring a first member identification corresponding to the first account;

acquiring an entity name of the target user based on the first member identification;

based on the entity name of the target user, calling the second query interface to acquire a second member identification corresponding to the second account;

calling the second query interface based on the second member identification to acquire a second account corresponding to the second member identification;

and calling the second query interface based on the second account to obtain the first card of the first type and the third card of the second type bound by the second account.

In another embodiment of the present disclosure, the card for displaying the account number binding associated with the resource transfer control includes:

In another embodiment of the present disclosure, before displaying the first card of the first type and the third card on the card binding interface, the method further includes:

carrying out first duplication elimination on the first card of the first type and the third card to obtain a card subjected to first duplication elimination;

the displaying the first card and the third card of the first type on a card binding interface includes:

and displaying the cards subjected to the second duplication elimination on the card binding interface.

In another embodiment of the present disclosure, the method comprises:

responding to the selection operation aiming at the third card, and displaying a signing element interface on which a communication number is displayed;

receiving a verification code based on the communication number;

when the verification code passes verification, binding the third card with the first account;

and performing resource transfer based on the third card.

In another embodiment of the present disclosure, the acquiring a contract element of the first card in response to the selection operation for the first card includes:

displaying a signing element interface in response to the selection operation for the first card;

and acquiring the signing element input by the target user based on the signing element interface, wherein the signing element comprises a communication number.

In another embodiment of the disclosure, the converting the first card from the first type to the second type when the subscription verification is completed based on the subscription element includes:

receiving a verification code based on the communication number;

and when the verification code passes verification, converting the first card from the first type to the second type.

In another embodiment of the present disclosure, the first card of the first type is bound to the second account, and the method further includes:

acquiring the identity verification information of the target user based on the signing element interface;

and when the identity authentication information passes the authentication, executing a step of receiving an authentication code based on the communication number.

In a second aspect, a resource transfer apparatus is provided, where the apparatus is applied to a scenario in which a target user who logs in a first account is used as a service provider to obtain a service provided by another user, where the first account is an account registered by the target user as a service provider to provide the service to the other user, and the apparatus includes:

the display module is also used for displaying a card bound by the associated account of the resource transfer control;

and the resource transfer module is used for transferring resources based on the first card of the second type.

In another embodiment of the present disclosure, the resource transfer control includes a first resource transfer control associated with the first account, and the query module is configured to invoke a first query interface corresponding to the first account, and query the first card of the first type and the second card of the second type bound to the first account.

In another embodiment of the disclosure, the display module is configured to display, on the first resource transfer control, a first card of a first type and a second card of a second type bound to the first account.

In another embodiment of the present disclosure, the resource transfer module is further configured to perform resource transfer based on the second card in response to a selection operation for the second card.

In another embodiment of the present disclosure, the apparatus further comprises:

the setting module is used for setting a corresponding resource transfer password for the first card or the second card when the first card or the second card does not have the resource transfer password;

the resource transfer module is further configured to execute the resource transfer operation based on the resource transfer password corresponding to the first card or the second card.

In another embodiment of the present disclosure, the resource transfer control includes a second resource transfer control associated with a second account, where the second account is an account registered by the target user as a service provider for obtaining a service, and the query module is configured to, in response to a trigger operation for the second resource transfer control, invoke a second query interface corresponding to the second account, and query a first card of a first type and a third card of a second type bound to the second account.

In another embodiment of the present disclosure, the query module is configured to obtain a first member identifier corresponding to the first account; acquiring an entity name of the target user based on the first member identification; based on the entity name of the target user, calling the second query interface to acquire a second member identification corresponding to the second account; calling the second query interface based on the second member identification to acquire a second account corresponding to the second member identification; and calling the second query interface based on the second account to obtain the first card of the first type and the third card of the second type bound by the second account.

In another embodiment of the disclosure, the display module is configured to display the first card and the third card of the first type on a card binding interface, where the card binding interface is an interface displayed in response to a trigger operation for the second resource transfer control.

In another embodiment of the present disclosure, the apparatus further comprises:

the duplication removing module is used for carrying out duplication removal on the first card and the third card of the first type for the first time to obtain a card subjected to duplication removal for the first time;

the duplication removing module is further used for carrying out second duplication removing on the card subjected to the first duplication removing and the card bound by the first account to obtain a card subjected to the second duplication removing;

the display module is further configured to display the cards subjected to the second duplication elimination on the card binding interface.

In another embodiment of the present disclosure, the apparatus further comprises:

the display module is further used for responding to the selection operation aiming at the third card and displaying a signing element interface, and a communication number is displayed on the signing element interface;

the receiving module is used for receiving a verification code based on the communication number;

the binding module is used for binding the third card with the first account when the verification code passes verification;

the resource transfer module is further configured to perform resource transfer based on the third card.

In another embodiment of the present disclosure, the obtaining module is configured to display a contract element interface in response to a selection operation for the first card; and acquiring the signing element input by the target user based on the signing element interface, wherein the signing element comprises a communication number.

In another embodiment of the present disclosure, the conversion module is configured to receive a verification code based on the communication number; and when the verification code passes verification, converting the first card from the first type to the second type.

In another embodiment of the present disclosure, the first card of the first type is bound to the second account number, and the apparatus further includes:

the acquisition module is further configured to acquire the authentication information of the target user based on the signing element interface;

the receiving module is further configured to receive a verification code based on the communication number when the authentication information passes the verification.

In a third aspect, a terminal is provided, where the terminal includes a processor and a memory, where the memory stores at least one program code, and the at least one program code is loaded and executed by the processor to implement the resource transfer method according to the first aspect.

In a fourth aspect, a computer-readable storage medium is provided, in which at least one program code is stored, and the at least one program code is loaded and executed by a processor to implement the resource transfer method according to the first aspect.

The technical scheme provided by the embodiment of the disclosure has the following beneficial effects:

the method comprises the steps that a resource transfer control on a resource transfer interface based on a first account number queries a card bound by the associated account number by calling a query interface corresponding to the associated account number of the resource transfer control, and then displays the card bound by the associated account number of the resource transfer control, wherein the card at least comprises a first card of a first type without a resource transfer function, and when a signing element based on the first card converts the first card from the first type without the resource transfer function to a second type with the resource transfer function, the resource transfer is carried out based on the converted first card. As the user does not need to manually input the card for resource transfer in the resource transfer process, the operation complexity of the resource transfer process is greatly reduced.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present disclosure, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present disclosure, and it is obvious for those skilled in the art to obtain other drawings based on the drawings without creative efforts.

Fig. 1 is a schematic diagram of an implementation environment involved in a resource transfer method provided by an embodiment of the present disclosure;

fig. 2 is a flowchart of a resource transfer method provided by an embodiment of the present disclosure;

FIG. 3 is a flow chart of another resource transfer method provided by the embodiments of the present disclosure;

FIG. 4 is a schematic diagram of a resource transfer interface provided by an embodiment of the present disclosure;

FIG. 5 is a schematic diagram of a resource transfer process provided by an embodiment of the present disclosure;

FIG. 6 is a schematic diagram of another resource transfer interface provided by embodiments of the present disclosure;

FIG. 7 is a schematic diagram of another resource transfer flow provided by an embodiment of the present disclosure;

fig. 8 is a schematic structural diagram of a resource transfer apparatus according to an embodiment of the present disclosure;

fig. 9 shows a block diagram of a terminal according to an exemplary embodiment of the present disclosure.

Detailed Description

To make the objects, technical solutions and advantages of the present disclosure more apparent, embodiments of the present disclosure will be described in detail with reference to the accompanying drawings.

It is to be understood that the terms "each," "a plurality," and "any" and the like, as used in the embodiments of the present disclosure, are intended to encompass two or more, each referring to each of the corresponding plurality, and any referring to any one of the corresponding plurality. For example, the plurality of words includes 10 words, and each word refers to each of the 10 words, and any word refers to any one of the 10 words.

Before carrying out the embodiments of the present disclosure, terms to which the embodiments of the present disclosure relate will be explained first.

The B-side (sessions) refers to merchant users on the internet.

The C-side (Consumer) refers to a Consumer, an individual user, an end user, or the like on the internet.

The shortcut card is a bank card with payment function and cash withdrawal function. When the user binds the bank card in the application program, if the user fills in the signing key element of the bank card to be bound, the bound bank card is the shortcut card.

The cash withdrawal card refers to a bank card having a cash withdrawal function and no payment function. When the user binds the bank card in the application program, if the user does not fill in the signing element of the bank card to be bound, the bound bank card is the cash withdrawal card.

The signing process is a process of filling information such as the identification number, name, mobile phone number and the like of a user according to a handling instruction when the user applies for handling a bank card in a bank.

Referring to fig. 1, an implementation environment related to a resource transfer method provided by an embodiment of the present disclosure is shown, where the implementation environment includes: a terminal 101 and a server 102.

The terminal 101 may be a smart phone, a tablet computer, a notebook computer, a desktop computer, a smart watch, a smart sound, and the like, and the product type of the terminal 101 is not specifically limited in the embodiment of the present disclosure. The terminal 101 is installed with a designated application program, which includes a taxi taking application program, a takeout application program, and the like, and based on the installed designated application program, a user on the terminal 101 side can serve as a service provider to provide corresponding services (such as a riding service, a takeout delivery service, and the like) to other users, and can also serve as a service provider to acquire services provided by other users.

When a user at the terminal 101 side serves as a service provider to register a first account on a specified application program, the system requires the user to bind a cash withdrawal card so as to withdraw the service cost paid by other users; when the user at the terminal 101 side registers the second account as a service provider on a specific application, the system will generally prompt the user to bind a shortcut card to pay service fees to other users. In an actual application scenario, when a user logs in a specified application program based on a first account and wants to obtain services provided by other users, the terminal 101 displays a resource transfer control on a resource transfer interface, the resource transfer control is used for displaying a cash card bound by the first account, and in response to a selection operation of the user on the cash card, the terminal 101 converts the cash card into a shortcut card and then performs payment based on the shortcut card.

The server 102 is a background server of a specific application, and the server 102 may be an independent physical server, or a server cluster or a distributed system formed by a plurality of physical servers.

The terminal 101 and the server 102 may be directly or indirectly connected through wired or wireless communication, and the embodiment of the disclosure is not limited herein.

Based on the implementation environment shown in fig. 1, the embodiment of the present disclosure provides a resource transfer method, which is applied to a scenario in which a target user who logs in a first account is used as a service provider to obtain services provided by other users. Taking the terminal 101 to execute the embodiment of the present disclosure as an example, referring to fig. 2, the method provided by the embodiment of the present disclosure includes:

201. and when the resource transfer operation of the first account is detected, displaying a resource transfer interface of the first account.

The first account is an account registered by a target user as a service provider for providing services to other users. And a resource transfer control is displayed on the resource transfer interface and is associated with the account of the target user.

202. And calling a query interface corresponding to the associated account of the resource transfer control based on the resource transfer control to query the card bound by the associated account.

The cards at least comprise a first card of a first type, and the cards of the first type do not have a resource transfer function.

203. And displaying the card bound by the associated account of the resource transfer control.

204. In response to a selection operation for the first card, a contract element of the first card is acquired.

The signing element is information for converting the card from a first type to a second type.

205. And when the signing verification is completed based on the signing elements, converting the first card from the first type to the second type.

Wherein the second type of card has a resource transfer function.

206. The resource transfer is performed based on the first card of the second type.

The method provided by the embodiment of the disclosure includes querying cards bound by the associated account by calling a query interface corresponding to the associated account of the resource transfer control based on the resource transfer control on the resource transfer interface of the first account, and then displaying the cards bound by the associated account of the resource transfer control, where the cards at least include a first card of a first type without a resource transfer function, and when a signing element based on the first card converts the first card from the first type without the resource transfer function to a second type with the resource transfer function, resource transfer is performed based on the converted first card. As the user does not need to manually input the card for resource transfer in the resource transfer process, the operation complexity of the resource transfer process is greatly reduced.

In another embodiment of the present disclosure, the resource transfer control includes a first resource transfer control associated with a first account, and based on the resource transfer control, the method invokes a query interface corresponding to an associated account of the resource transfer control to query a card bound by the associated account includes:

and calling a first query interface corresponding to the first account to query a first card of a first type and a second card of a second type bound to the first account.

In another embodiment of the present disclosure, a card displaying an account number binding associated with a resource transfer control includes:

and displaying a first card of a first type and a second card of a second type bound by the first account on the first resource transfer control.

In another embodiment of the present disclosure, the method further comprises:

and responding to the selection operation of the second card, and performing resource transfer based on the second card.

In another embodiment of the present disclosure, the method further comprises:

when the first card or the second card does not have the resource transfer password, setting a corresponding resource transfer password for the first card or the second card;

and executing resource transfer operation based on the resource transfer password corresponding to the first card or the second card.

In another embodiment of the present disclosure, the resource transfer control includes a second resource transfer control associated with a second account, where the second account is an account registered by the target user as a service provider for obtaining a service, and based on the resource transfer control, a query interface corresponding to an associated account of the resource transfer control is called to query a card bound by the associated account, including:

and responding to the triggering operation aiming at the second resource transfer control, calling a second query interface corresponding to the second account, and querying the first card of the first type and the third card of the second type bound by the second account.

In another embodiment of the present disclosure, invoking a second query interface corresponding to a second account to query a first card of a first type and a third card of a second type bound to the second account includes:

acquiring a first member identifier corresponding to a first account;

acquiring an entity name of a target user based on the first member identification;

calling a second query interface based on the entity name of the target user to acquire a second member identification corresponding to the second account;

calling a second query interface based on the second member identification to acquire a second account corresponding to the second member identification;

and calling a second query interface based on the second account to obtain the first card of the first type and the third card of the second type bound by the second account.

In another embodiment of the present disclosure, a card displaying an account number binding associated with a resource transfer control includes:

and displaying the first card and the third card of the first type on a card binding interface, wherein the card binding interface is displayed in response to the triggering operation aiming at the second resource transfer control.

In another embodiment of the present disclosure, before displaying the first card and the third card of the first type on the card binding interface, the method further includes:

carrying out first duplication elimination on the first card and the third card of the first type to obtain a card subjected to the first duplication elimination;

carrying out secondary duplicate removal on the card subjected to the primary duplicate removal and the card bound by the first account to obtain a card subjected to secondary duplicate removal;

displaying a first card and a third card of a first type on a card binding interface, comprising:

and displaying the cards subjected to the second duplication elimination on the card binding interface.

In another embodiment of the disclosure, a method comprises:

responding to the selection operation aiming at the third card, displaying a signing element interface, wherein a communication number is displayed on the signing element interface;

receiving a verification code based on the communication number;

when the verification code passes verification, binding the third card with the first account;

and performing resource transfer based on the third card.

In another embodiment of the present disclosure, the acquiring a contract element of the first card in response to the selection operation for the first card includes:

responding to the selection operation aiming at the first card, and displaying a signing element interface;

and acquiring the signing elements input by the target user based on the signing element interface, wherein the signing elements comprise communication numbers.

In another embodiment of the disclosure, converting the first card from the first type to the second type upon completion of the subscription verification based on the subscription element includes:

receiving a verification code based on the communication number;

when the verification code passes the verification, the first card is converted from the first type to the second type.

In another embodiment of the disclosure, a first card of a first type is bound to a second account number, the method further comprising:

acquiring identity verification information of a target user based on a signing element interface;

and when the identity authentication information passes the authentication, executing the step of receiving the authentication code based on the communication number.

All the above optional technical solutions may be combined arbitrarily to form the optional embodiments of the present disclosure, and are not described herein again.

Based on the implementation environment shown in fig. 1, an embodiment of the present disclosure provides a resource transfer method, taking a terminal to execute the embodiment of the present disclosure as an example, referring to fig. 3, a method flow provided by the embodiment of the present disclosure includes:

301. when the resource transfer operation of the first account is detected, the terminal displays a resource transfer interface of the first account of the target user, and a first resource transfer control and a second resource transfer control are displayed on the resource transfer interface.

The account number of the target user comprises a first account number and a second account number, the first account number is an account number registered in a specified application by the target user serving as a service provider for providing services for other users, and the second account number is an account number registered in the specified application by the target user serving as a service provider for acquiring the services provided by other users. Based on the first account, the target user can provide services such as taking a bus, taking out deliveries, and the like to other users. In order to facilitate the target user to cash out the resources transferred by other users, when the target user registers the first account in the specified application program, the target user binds a first type of card for the first account, the first type of card has a resource cash-out function and does not have the resource transfer function, that is, the first type of card bound with the first account is actually a cash-out card. The card includes a card number, an issuing bank, the card's functionality (e.g., savings functionality, credit payment functionality, etc.), and the like. Based on the second account, the target user can obtain services provided by other users, such as bus taking, takeout delivery, and the like. In order to facilitate payment of service fees to other users, when a target user registers a second account in a specified application, the target user binds a second type of card for the second account, where the second type has a resource embodying function and a resource transferring function, that is, the second type of card bound by the second account is actually a shortcut card, and the card includes a card number, an account opening bank, a card function, an expiration date, and the like.

When the target user logs in the specified application program based on the first account and obtains the service provided by other users, the target user needs to transfer resources to other users to pay the service cost of other users. When the resource transfer operation of the first account is detected, responding to the resource transfer operation, and displaying a resource transfer interface of the first account of the target user by the terminal. The resource transfer interface is displayed with a resource transfer control, and also displays the numerical value of the resource to be transferred, a confirmation control and the like. The resource transfer control includes a first resource transfer control and a second resource transfer control. The first resource transfer control is associated with the first account and used for displaying a card bound by the first account of the target user, and resource transfer can be rapidly carried out based on the displayed card; the second resource transfer control is associated with the second account, and is configured to trigger display of a first type card and a second type card bound to the second account of the target user, where the displayed card may be subjected to resource transfer only after being bound to the first account, and the second resource transfer control may be an option of "user selects to add a bank card for payment" in fig. 7.

302. The terminal calls a first query interface corresponding to the first account number to query a first card of a first type and a second card of a second type bound to the first account number.

In the embodiment of the present disclosure, different account numbers of a target user correspond to different query interfaces, and for a first account number and a second account number of the target user and a first query interface and a second query interface provided by a terminal, the corresponding relationship between the account number and the query interface is: the first account number corresponds to the first query interface, and the second account number corresponds to the second query interface. The terminal can inquire various types of cards bound by different account numbers by calling the inquiry interfaces corresponding to the different account numbers. Specifically, in response to the display operation of the resource transfer interface, the terminal calls a first query interface corresponding to the first account to query a first card of a first type and a second card of a second type bound to the first account.

303. The terminal displays a first card of a first type and a second card of a second type bound by a first account on a first resource transfer control, responds to the selection operation of the first card, and executes the step 304, and responds to the selection operation of the second card, and executes the step 307.

When a first card of a first type and a second card of a second type bound to a first account are queried based on a first query interface, the terminal displays the first card of the first type and the second card of the second type bound to the first account on a first resource transfer control.

When the terminal displays a first card of a first type and a second card of a second type bound with a first account on the first resource transfer control, the inquired cards can be displayed according to the binding time with the first account from the back to the first.

In order to facilitate the target user to distinguish the first type of card from the second type of card, the terminal will further display a type identifier of the first type on the display area of the first card of the first type, where the type identifier of the first type may be a word "cash-out card" or the like. For example, the resource transfer interface of fig. 4 shows the word "cash card" on the display area of ". x. bankcard". It should be noted that, for a certain card bound to the first account, if the card is a cash withdrawal card, that is, a shortcut card, the card is marked as a shortcut card.

Since the first type of card only has the resource withdrawal function and does not have the resource transfer function, and the second type of card has the resource withdrawal function and the resource transfer function, the resource transfer processes of the different types of cards are different inevitably, and the first type of card and the second type of card displayed on the first resource transfer control are described below. Specifically, when the selection operation of the first card is detected, in response to the selection operation of the first card, the terminal will execute step 304; when the selection operation of the second card is detected, the terminal will execute step 307 in response to the selection operation of the second card.

304. The terminal acquires the signing elements of the first card.

The signing elements are information for converting the first type of the card into the second type of the card, and comprise communication numbers, validity periods, safety codes and the like. If one card has complete contract elements, the card is of the second type, and if one card does not have the contract elements or the contract elements are not complete, the card is of the first type.

And responding to the selection operation aiming at the first card, the terminal displays a signing element interface, based on the displayed signing element interface, the target user inputs a corresponding signing element according to prompt information on the signing element interface, and the terminal acquires the signing element input by the target user.

305. When the signing verification is completed based on the signing elements, the terminal converts the first card from the first type to the second type.

The terminal receives the verification code sent by the server based on the communication number in the signing element, when the verification code passes verification, the first card is determined to complete signing verification, and then the terminal converts the first card from the first type to the second type.

306. And the terminal performs resource transfer based on the first card of the second type.

Since the second type of card has the resource transfer function, the terminal can perform resource transfer based on the first card after the first card is converted from the first type to the second type. When resource transfer is carried out, the terminal judges whether a target user sets a resource transfer password for a first card, when the target user sets the resource transfer password for the first card, the target user can directly input the resource transfer password, the terminal acquires the resource transfer password input by the target user and sends the resource transfer password input by the target user to the server, the server sends the resource transfer password input by the target user to the resource transfer server, when the resource transfer server determines that the resource transfer password input by the target user is matched with the resource transfer password preset by the target user, the resource in the first card is transferred, otherwise, a resource transfer failure message is returned to the terminal to prompt the target user to input the resource transfer password again; when the target user does not set the resource transfer password for the first card, namely the first card does not have the resource transfer password, the terminal prompts the target user to set the corresponding resource transfer password for the first card, and after the target user sets the corresponding resource transfer password for the first card, the terminal acquires the resource transfer password set by the target user, sends the resource transfer password set by the target user to the server, and sends the resource transfer password set by the target user to the resource transfer server for storage. When detecting that the target user inputs the resource transfer password, the terminal acquires the resource transfer password input by the target user and sends the resource transfer password input by the target user to the server, the server sends the resource transfer password input by the target user to the resource transfer server, when the resource transfer server determines that the resource transfer password input by the target user is matched with the resource transfer password preset by the target user, the resource in the first card is transferred, otherwise, a resource transfer failure message is returned to the terminal to prompt the target user to input the resource transfer again.

307. And the terminal performs resource transfer based on the second card.

The second card has the resource transfer function, so that the terminal can directly transfer the resources. When resource transfer is carried out, the terminal judges whether a target user sets a resource transfer password for the second card, when the target user sets the resource transfer password for the second card, the target user can directly input the resource transfer password, the terminal acquires the resource transfer password input by the target user and sends the resource transfer password input by the target user to the server, the server sends the resource transfer password input by the target user to the resource transfer server, when the resource transfer server determines that the resource transfer password input by the target user is matched with the resource transfer password preset by the target user, the resource in the second card is transferred, otherwise, a resource transfer failure message is returned to the terminal to prompt the target user to input the resource transfer password again; when the target user does not set the resource transfer password for the second card, namely the second card does not have the resource transfer password, the terminal prompts the target user to set the corresponding resource transfer password for the second card, and after the target user sets the corresponding resource transfer password for the second card, the terminal acquires the resource transfer password set by the target user, sends the resource transfer password set by the target user to the server, and sends the resource transfer password set by the target user to the resource transfer server for storage. And when the resource transfer server determines that the resource transfer password input by the target user is matched with the resource transfer password preset by the target user, transferring the resource in the second card, otherwise, returning a resource transfer failure message to the terminal to prompt the target user to input the resource transfer again.

The resource transfer process based on the first resource transfer control is described below with reference to fig. 5.

Referring to fig. 5, the first resource transfer control displays bank cards bound by the first account of the target user, including a shortcut card and a cash withdrawal card. Responding to the selection operation of a target user on any one bank card, judging whether the bank card is a quick card or not by the terminal, if so, judging whether the target user sets a payment password for the bank card or not by the terminal, and if the target user sets the payment password for the bank card, acquiring the payment password input by the target user by the terminal and paying based on the payment password input by the target user; and if the target user does not set the payment password for the bank card, the terminal prompts the target user to set the payment password for the bank card, and then payment operation is executed based on the payment password set by the target user. If the bank card is a cash withdrawal card, a target user needs to supplement a signing element of the bank card, wherein the signing element comprises a mobile phone number and the like, and then receives a short message verification code sent by a server based on the mobile phone number; and if the target user does not set the payment password for the bank card, the terminal prompts the target user to set the payment password for the bank card, and then payment operation is executed based on the payment password set by the target user.

308. And responding to the triggering operation aiming at the second resource transfer control, calling a second query interface corresponding to the second account by the terminal, and querying the first card of the first type and the third card of the second type bound by the second account.

The trigger operation includes any one of click operation, double-click operation, touch operation, and the like. When the triggering operation of the second resource transfer control is detected, in response to the triggering operation of the second resource transfer control, the terminal calls a second query interface corresponding to the second account to query the first card of the first type and the third card of the second type bound to the second account. Specifically, the terminal may adopt the following method:

3081. the terminal acquires a first member identifier corresponding to the first account.

The first member identification is an account identification associated with a target user when the target user performs resource transfer or resource presentation on a specified application program based on a first account, the first member identification corresponds to the first account, and based on the first account, the terminal can acquire the first member identification.

3082. And based on the first member identification, the terminal acquires the entity name of the target user.

The entity name may be a name of a user, a name of an enterprise, and the like. Because the resource transfer or resource withdrawal operation relates to the property safety of the user, the target user is usually required to perform real-name authentication when the resource transfer or resource withdrawal operation is performed, the target user is required to fill in a corresponding entity name during the real-name authentication, and the entity name corresponds to member identifiers of the target user in different account systems, so that the terminal can query the entity name of the target user based on the first member identifier.

3083. And based on the entity name of the target user, the terminal calls a second query interface to acquire a second member identification corresponding to the second account.

Because the entity name of the target user corresponds to the second member identifier corresponding to the second account, based on the entity name, the terminal calls the second query interface, and can acquire the second member identifier corresponding to the second account. Usually, the target user may register a plurality of second accounts based on the same name entity, that is, the name entity of the target user corresponds to a plurality of second member identifiers, so that the terminal may obtain a plurality of second member identifiers based on the entity name of the target user.

3084. And based on the second member identification, the terminal calls a second query interface to acquire a second account corresponding to the second member identification.

The second member identification corresponds to the second account number one to one, and based on each second member identification, the terminal calls the second query interface to acquire the corresponding second account number.

3085. Based on the second account, the terminal calls a second query interface to obtain a first card of the first type and a third card of the second type bound to the second account.

309. The terminal displays a first card and a third card of a first type on the card binding interface, responds to the selection operation of the first card, and executes the step 304, and responds to the selection operation of the third card, and executes the step 310.

In the embodiment of the disclosure, in response to the triggering operation for the second resource transfer control, the terminal displays the card binding interface. When a first card of the first type and a third card of the second type bound by the second account are inquired, the terminal displays the first card of the first type and the third card on the card binding interface.

In another embodiment of the disclosure, in consideration that a plurality of second account numbers registered by the same target user may be bound to the same card, and the card bound to the first account number may be the same as the card bound to the second account number when the target user registers the first account number, in order to avoid repeated display of the same card, after the terminal acquires the first card of the first type and the third card of the second type bound to each second account number, the first card of the first type and the third card of the second type may be subjected to first deduplication, the card after the first deduplication is obtained, and then the card after the first deduplication and the card bound to the first account number are subjected to second deduplication, the card after the second deduplication is obtained, and the card after the second deduplication is displayed on the card binding interface. When the terminal displays the cards after the second duplication elimination, the cards after the second duplication elimination can be displayed according to the sequence from the back to the first of the binding time with the second account. The specific display effect can be seen in fig. 6.

It should be noted that, the precondition for querying the card bound to the second account is that the target user performs real-name authentication, and the target user is in a real-name authentication mode based on the identity number, and if the target user does not perform real-name authentication or in a real-name authentication mode based on other information, the terminal cannot query the card bound to the second account, and at this time, the target user needs to manually input the card number of the card to be bound.

Since the first type of card only has the resource withdrawal function and does not have the resource transfer function, and the second type of card has the resource withdrawal function and the resource transfer function, the processes of resource transfer performed by the different types of cards are necessarily different, and the first type of card and the second type of card displayed on the card binding interface are respectively described below. Specifically, when the selection operation of the first card is detected, in response to the selection operation of the first card, the terminal will execute step 304; when the selection operation for the third card is detected, the terminal will perform step 310 in response to the selection operation for the third card.

310. And the terminal binds the third card with the first account.

And in response to the selection operation for the third card, the terminal displays a signing element interface, because the third card is a second type card with a resource transfer function, and the target user inputs the signing element when binding the third card with the second account, the signing element is directly displayed on the signing element interface without inputting the signing element by the target user, wherein the signing element comprises a communication number and the like, and the terminal receives the verification code sent by the server based on the displayed communication number, and when the verification code passes verification, the terminal binds the third card with the first account.

In another embodiment of the disclosure, since the first account and the second account are accounts registered by the target user in different account systems, in order to reduce the risk of the resource transfer process, the terminal needs to verify the identity of the target user, and when the identity of the target user passes the verification, the terminal receives the verification code based on the communication number. Specifically, the terminal displays a signing element interface, a user inputs identity authentication information based on the signing element interface, such as the last six digits of an identity card number, the terminal acquires identity authentication information of a target user, and when the identity authentication information passes the authentication, a verification code is received based on a communication number; and if the authentication information is not verified, prompting the target user that the authentication information is wrong and requiring the target user to input again.

Furthermore, although the risk in the resource transfer process is reduced by adopting the identity authentication mode, the operation complexity of the target user is increased, the identity of the target user can be authenticated in the initial stage in the actual use process, and the verification process is cancelled step by step according to the risk degree of the target user.

It should be noted that, in response to the selection operation of the first card on the card binding interface, the terminal also needs to authenticate the identity of the target user before performing step 304, and the identity authentication process is the same as the above identity authentication process, which is specifically referred to above and is not described here again.

311. And the terminal performs resource transfer based on the third card.

After the third card is bound with the first account, the terminal can perform resource transfer based on the third card.

The resource transfer process based on the second resource transfer control is described below with reference to fig. 7.

Referring to fig. 7, a target user touches a "user selects to add a bank card for payment" option displayed on a resource transfer interface, in response to a touch operation on the option, a terminal determines whether the target user performs real-name authentication, and if the target user does not perform real-name authentication, the target user manually inputs a card number of the bank card according to an existing card binding process to complete the card binding process, and then performs payment; if the target user performs real-name authentication and is a real-name authentication mode of the identity card number, a bank card list of all bank cards bound by different account numbers of the target user in a takeout application program is displayed, after the target user selects a certain bank card, the terminal judges whether the identity of the target user needs to be verified, if the identity of the target user needs to be verified, the target user needs to input six digits after the identity card number is input on a signing element interface, and after the six digits after the identity card number input by the target user passes verification, signing elements input by the target user on the signing element interface, such as a mobile phone number and the like, are obtained, and then a short message verification code sent by a server is received based on the mobile phone number so as to complete the card binding process and further perform payment.

The resource transfer method provided by the embodiment of the disclosure is applied to a scenario in which a target user logging in a first account is used as a service party to obtain services provided by other users, for example, a scenario in which a take-out merchant obtains the take-out services from other merchants, a driver of a riding application obtains riding service scenarios provided by other drivers, and the like.

Referring to fig. 8, a resource transfer apparatus according to an embodiment of the present disclosure is applied to a scenario in which a target user who logs in a first account is used as a service provider to obtain a service provided by another user, where the first account is an account registered by the target user as a service provider to provide the service to the other user, and the apparatus includes:

a display module 801, configured to display a resource transfer interface of a first account when a resource transfer operation of the first account is detected, where a resource transfer control is displayed on the resource transfer interface, and the resource transfer control is associated with an account of a target user;

the query module 802 is configured to call a query interface corresponding to an associated account of the resource transfer control based on the resource transfer control, and query cards bound by the associated account, where the cards at least include a first card of a first type, and the card of the first type does not have a resource transfer function;

the display module 801 is further configured to display a card bound to the associated account of the resource transfer control;

the obtaining module 803 is configured to obtain, in response to a selection operation for a first card, a contract element of the first card, where the contract element is information for converting a first type of the card into a second type;

the conversion module 804 is used for converting the first card from the first type to the second type when signing verification is completed based on signing elements, and the second type card has a resource transfer function;

and the resource transfer module 805 is used for performing resource transfer based on the first card of the second type.

In another embodiment of the present disclosure, the resource transfer control includes a first resource transfer control associated with the first account, and the query module 802 is configured to invoke a first query interface corresponding to the first account, and query a first card of the first type and a second card of the second type bound to the first account.

In another embodiment of the disclosure, the display module 801 is configured to display a first card of a first account binding and a second card of a second account binding on a first resource transfer control.

In another embodiment of the present disclosure, the resource transfer module 805 is further configured to perform resource transfer based on the second card in response to a selection operation for the second card.

In another embodiment of the present disclosure, the apparatus further comprises:

the resource transfer module 805 is further configured to execute a resource transfer operation based on the resource transfer password corresponding to the first card or the second card.

In another embodiment of the present disclosure, the resource transfer control includes a second resource transfer control associated with a second account, where the second account is an account registered by a target user as a service provider for obtaining a service, and the query module 802 is configured to, in response to a trigger operation for the second resource transfer control, invoke a second query interface corresponding to the second account, and query a first card of a first type and a third card of a second type bound to the second account.

In another embodiment of the present disclosure, the query module 802 is configured to obtain a first member identifier corresponding to a first account; acquiring an entity name of a target user based on the first member identification; calling a second query interface based on the entity name of the target user to acquire a second member identification corresponding to the second account; calling a second query interface based on the second member identification to acquire a second account corresponding to the second member identification; and calling a second query interface based on the second account to obtain the first card of the first type and the third card of the second type bound by the second account.

In another embodiment of the disclosure, the display module 801 is configured to display the first card and the third card of the first type on a card binding interface, where the card binding interface is an interface displayed in response to a trigger operation for the second resource transfer control.

In another embodiment of the present disclosure, the apparatus further comprises:

the duplication removing module is also used for carrying out second duplication removing on the card subjected to the first duplication removing and the card bound by the first account to obtain a card subjected to the second duplication removing;

the display module 801 is further configured to display the cards after the second deduplication on the card binding interface.

In another embodiment of the present disclosure, the apparatus further comprises:

the display module 801 is further configured to display a contract element interface in response to a selection operation for the third card, where a communication number is displayed on the contract element interface;

the receiving module is used for receiving the verification code based on the communication number;

the binding module is used for binding the third card with the first account when the verification code passes verification;

and the resource transfer module is also used for transferring the resources based on the third card.

In another embodiment of the present disclosure, the obtaining module 803 is configured to display a contract element interface in response to a selection operation for a first card; and acquiring the signing elements input by the target user based on the signing element interface, wherein the signing elements comprise communication numbers.

In another embodiment of the present disclosure, the conversion module 804 is configured to receive a verification code based on the communication number; when the verification code passes the verification, the first card is converted from the first type to the second type.

In another embodiment of the present disclosure, a first card of a first type is bound to a second account number, the apparatus further comprising:

the obtaining module 803 is further configured to obtain, based on the signing element interface, identity verification information of the target user;

and the receiving module is also used for receiving the verification code based on the communication number when the identity verification information passes the verification.

In summary, according to the apparatus provided in this disclosure, based on the resource transfer control on the resource transfer interface of the first account, the query interface corresponding to the associated account of the resource transfer control is called to query the card bound to the associated account, so as to display the card bound to the associated account of the resource transfer control, where the card at least includes a first card of a first type without a resource transfer function, and when a subscription element based on the first card converts the first card from a first type without a resource transfer function to a second type with a resource transfer function, the resource transfer is performed based on the converted first card. As the user does not need to manually input the card for resource transfer in the resource transfer process, the operation complexity of the resource transfer process is greatly reduced.

Fig. 9 shows a block diagram of a terminal 900 according to an exemplary embodiment of the disclosure. The terminal 900 may be: a smart phone, a tablet computer, an MP3 player (Moving Picture Experts Group Audio Layer III, motion video Experts compression standard Audio Layer 3), an MP4 player (Moving Picture Experts Group Audio Layer IV, motion video Experts compression standard Audio Layer 4), a notebook computer, or a desktop computer. Terminal 900 may also be referred to by other names such as user equipment, portable terminals, laptop terminals, desktop terminals, and the like.

In general, terminal 900 includes: a processor 901 and a memory 902.

Processor 901 may include one or more processing cores, such as a 4-core processor, an 8-core processor, and so forth. The processor 901 may be implemented in at least one hardware form of a DSP (Digital Signal Processing), an FPGA (Field-Programmable Gate Array), and a PLA (Programmable Logic Array). The processor 901 may also include a main processor and a coprocessor, where the main processor is a processor for Processing data in an awake state, and is also called a Central Processing Unit (CPU); a coprocessor is a low power processor for processing data in a standby state. In some embodiments, the processor 901 may be integrated with a GPU (Graphics Processing Unit), which is responsible for rendering and drawing the content required to be displayed by the display screen. In some embodiments, the processor 901 may further include an AI (Artificial Intelligence) processor for processing computing operations related to machine learning.

Memory 902 may include one or more computer-readable storage media, which may be non-transitory. The memory 902 may also include high-speed random access memory, as well as non-volatile memory, such as one or more magnetic disk storage devices, flash memory storage devices. In some embodiments, a non-transitory computer readable storage medium in memory 902 is used to store at least one instruction for execution by processor 901 to implement the resource transfer methods provided by method embodiments herein.

In some embodiments, terminal 900 can also optionally include: a peripheral interface 903 and at least one peripheral. The processor 901, memory 902, and peripheral interface 903 may be connected by buses or signal lines. Various peripheral devices may be connected to the peripheral interface 903 via a bus, signal line, or circuit board. Specifically, the peripheral device includes: at least one of a radio frequency circuit 904, a display screen 905, a camera assembly 906, an audio circuit 907, a positioning assembly 908, and a power supply 909.

The peripheral interface 903 may be used to connect at least one peripheral related to I/O (Input/Output) to the processor 901 and the memory 902. In some embodiments, the processor 901, memory 902, and peripheral interface 903 are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor 901, the memory 902 and the peripheral interface 903 may be implemented on a separate chip or circuit board, which is not limited by this embodiment.

The Radio Frequency circuit 904 is used for receiving and transmitting RF (Radio Frequency) signals, also called electromagnetic signals. The radio frequency circuitry 904 communicates with communication networks and other communication devices via electromagnetic signals. The radio frequency circuit 904 converts an electrical signal into an electromagnetic signal to transmit, or converts a received electromagnetic signal into an electrical signal. Optionally, the radio frequency circuit 904 comprises: an antenna system, an RF transceiver, one or more amplifiers, a tuner, an oscillator, a digital signal processor, a codec chipset, a subscriber identity module card, and so forth. The radio frequency circuit 904 may communicate with other terminals via at least one wireless communication protocol. The wireless communication protocols include, but are not limited to: metropolitan area networks, various generation mobile communication networks (2G, 3G, 4G, and 5G), Wireless local area networks, and/or WiFi (Wireless Fidelity) networks. In some embodiments, the radio frequency circuit 904 may also include NFC (Near Field Communication) related circuits, which are not limited in this application.

The display screen 905 is used to display a UI (User Interface). The UI may include graphics, text, icons, video, and any combination thereof. When the display screen 905 is a touch display screen, the display screen 905 also has the ability to capture touch signals on or over the surface of the display screen 905. The touch signal may be input to the processor 901 as a control signal for processing. At this point, the display 905 may also be used to provide virtual buttons and/or a virtual keyboard, also referred to as soft buttons and/or a soft keyboard. In some embodiments, the display 905 may be one, providing the front panel of the terminal 900; in other embodiments, the number of the display panels 905 may be at least two, and each of the display panels is disposed on a different surface of the terminal 900 or is in a foldable design; in other embodiments, the display 905 may be a flexible display disposed on a curved surface or a folded surface of the terminal 900. Even more, the display screen 905 may be arranged in a non-rectangular irregular figure, i.e. a shaped screen. The Display panel 905 can be made of LCD (Liquid Crystal Display), OLED (Organic Light-Emitting Diode), and other materials.

The camera assembly 906 is used to capture images or video. Optionally, camera assembly 906 includes a front camera and a rear camera. Generally, a front camera is disposed at a front panel of the terminal, and a rear camera is disposed at a rear surface of the terminal. In some embodiments, the number of the rear cameras is at least two, and each rear camera is any one of a main camera, a depth-of-field camera, a wide-angle camera and a telephoto camera, so that the main camera and the depth-of-field camera are fused to realize a background blurring function, and the main camera and the wide-angle camera are fused to realize panoramic shooting and VR (Virtual Reality) shooting functions or other fusion shooting functions. In some embodiments, camera assembly 906 may also include a flash. The flash lamp can be a monochrome temperature flash lamp or a bicolor temperature flash lamp. The double-color-temperature flash lamp is a combination of a warm-light flash lamp and a cold-light flash lamp, and can be used for light compensation at different color temperatures.

Audio circuit 907 may include a microphone and a speaker. The microphone is used for collecting sound waves of a user and the environment, converting the sound waves into electric signals, and inputting the electric signals to the processor 901 for processing, or inputting the electric signals to the radio frequency circuit 904 for realizing voice communication. For stereo sound acquisition or noise reduction purposes, the microphones may be multiple and disposed at different locations of the terminal 900. The microphone may also be an array microphone or an omni-directional pick-up microphone. The speaker is used to convert electrical signals from the processor 901 or the radio frequency circuit 904 into sound waves. The loudspeaker can be a traditional film loudspeaker or a piezoelectric ceramic loudspeaker. When the speaker is a piezoelectric ceramic speaker, the speaker can be used for purposes such as converting an electric signal into a sound wave audible to a human being, or converting an electric signal into a sound wave inaudible to a human being to measure a distance. In some embodiments, audio circuit 907 may also include a headphone jack.

The positioning component 908 is used to locate the current geographic Location of the terminal 900 for navigation or LBS (Location Based Service). The Positioning component 908 may be a Positioning component based on the GPS (Global Positioning System) in the united states, the beidou System in china, the graves System in russia, or the galileo System in the european union.

Power supply 909 is used to provide power to the various components in terminal 900. The power source 909 may be alternating current, direct current, disposable or rechargeable. When power source 909 comprises a rechargeable battery, the rechargeable battery may support wired or wireless charging. The rechargeable battery may also be used to support fast charge technology.

In some embodiments, terminal 900 can also include one or more sensors 910. The one or more sensors 910 include, but are not limited to: acceleration sensor 911, gyro sensor 912, pressure sensor 913, fingerprint sensor 914, optical sensor 915, and proximity sensor 916.

The acceleration sensor 911 can detect the magnitude of acceleration in three coordinate axes of the coordinate system established with the terminal 900. For example, the acceleration sensor 911 may be used to detect the components of the gravitational acceleration in three coordinate axes. The processor 901 can control the display screen 905 to display the user interface in a landscape view or a portrait view according to the gravitational acceleration signal collected by the acceleration sensor 911. The acceleration sensor 911 may also be used for acquisition of motion data of a game or a user.

The gyro sensor 912 may detect a body direction and a rotation angle of the terminal 900, and the gyro sensor 912 may cooperate with the acceleration sensor 911 to acquire a 3D motion of the user on the terminal 900. The processor 901 can implement the following functions according to the data collected by the gyro sensor 912: motion sensing (such as changing the UI according to a user's tilting operation), image stabilization at the time of photographing, game control, and inertial navigation.

The pressure sensor 913 may be disposed on a side bezel of the terminal 900 and/or underneath the display 905. When the pressure sensor 913 is disposed on the side frame of the terminal 900, the user's holding signal of the terminal 900 may be detected, and the processor 901 performs left-right hand recognition or shortcut operation according to the holding signal collected by the pressure sensor 913. When the pressure sensor 913 is disposed at a lower layer of the display screen 905, the processor 901 controls the operability control on the UI interface according to the pressure operation of the user on the display screen 905. The operability control comprises at least one of a button control, a scroll bar control, an icon control and a menu control.

The fingerprint sensor 914 is used for collecting a fingerprint of the user, and the processor 901 identifies the user according to the fingerprint collected by the fingerprint sensor 914, or the fingerprint sensor 914 identifies the user according to the collected fingerprint. Upon recognizing that the user's identity is a trusted identity, processor 901 authorizes the user to perform relevant sensitive operations including unlocking the screen, viewing encrypted information, downloading software, paying, and changing settings, etc. The fingerprint sensor 914 may be disposed on the front, back, or side of the terminal 900. When a physical key or vendor Logo is provided on the terminal 900, the fingerprint sensor 914 may be integrated with the physical key or vendor Logo.

The optical sensor 915 is used to collect ambient light intensity. In one embodiment, the processor 901 may control the display brightness of the display screen 905 based on the ambient light intensity collected by the optical sensor 915. Specifically, when the ambient light intensity is high, the display brightness of the display screen 905 is increased; when the ambient light intensity is low, the display brightness of the display screen 905 is reduced. In another embodiment, the processor 901 can also dynamically adjust the shooting parameters of the camera assembly 906 according to the ambient light intensity collected by the optical sensor 915.

Proximity sensor 916, also known as a distance sensor, is typically disposed on the front panel of terminal 900. The proximity sensor 916 is used to collect the distance between the user and the front face of the terminal 900. In one embodiment, when the proximity sensor 916 detects that the distance between the user and the front face of the terminal 900 gradually decreases, the processor 901 controls the display 905 to switch from the bright screen state to the dark screen state; when the proximity sensor 916 detects that the distance between the user and the front surface of the terminal 900 gradually becomes larger, the display 905 is controlled by the processor 901 to switch from the breath screen state to the bright screen state.

Those skilled in the art will appreciate that the configuration shown in fig. 9 does not constitute a limitation of terminal 900, and may include more or fewer components than those shown, or may combine certain components, or may employ a different arrangement of components.

The disclosed embodiments provide a computer-readable storage medium having at least one program code stored therein, the at least one program code being loaded and executed by a processor to implement a resource transfer method. The computer readable storage medium may be non-transitory. For example, the computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.

It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, where the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.

The above description is intended to be exemplary only and not to limit the present disclosure, and any modification, equivalent replacement, or improvement made without departing from the spirit and scope of the present disclosure is to be considered as the same as the present disclosure.

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Resource transfer method, device, terminal and storage medium

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