CN114519576A

CN114519576A - Resource transfer and control method and device thereof, electronic equipment and storage medium

Info

Publication number: CN114519576A
Application number: CN202011308992.6A
Authority: CN
Inventors: 黄铁鸣; 郭金辉; 束振中; 李斌
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2020-11-20
Filing date: 2020-11-20
Publication date: 2022-05-20

Abstract

The present application relates to the field of computer technologies, and in particular, to a method and an apparatus for resource transfer and control, an electronic device, and a storage medium, so as to improve security of resource transfer. The method comprises the following steps: responding to the triggering operation of resource transfer signing between the first object and a target merchant, and displaying a signing guide page containing flow information during resource transfer signing; responding to the triggering operation of the first object on the jump control in the signing guide page, sending the signing request for the target merchant to the second application, so that the second application displays the resource transfer signing page according to the signing request; and after receiving the notification message of successful signing with the target merchant, displaying the notification message. According to the resource transfer method and the resource transfer system, the first application jumps to the second application for signing, the resource transfer account of the first object in the second application is bound with the second object, the first object can supervise the second object when the second object needs to transfer resources, and the security of resource transfer can be effectively improved.

Description

Resource transfer and control method and device thereof, electronic equipment and storage medium

Technical Field

The present application relates to the field of computer technologies, and in particular, to a resource transfer method and apparatus, an electronic device, and a storage medium.

Background

With the development of the intelligent internet terminal technology, mobile terminal payment gradually becomes a new electronic payment service form, and people can conveniently complete resource transfer of commodity purchase by using mobile terminals such as mobile phones and the like to perform operations such as code scanning and the like without carrying cash. In the related art, in application scenarios such as campus payment, students basically need to own mobile phones, bind bank cards and have the capability of signing a contract for payment, and when resource transfer is performed, the students perform resource transfer by using social software or other resource transfer software having the resource transfer capability. However, because the safety awareness of students is weak, the students are easy to cheat and take money due to the fact that cheating events occur frequently. Therefore, how to improve the security of resource transfer is an urgent problem to be solved.

Disclosure of Invention

The embodiment of the application provides a resource transfer method, a resource transfer control device, electronic equipment and a storage medium, and aims to improve the security of resource transfer.

A first method for controlling resource transfer provided in an embodiment of the present application includes:

responding to a triggering operation of resource transfer subscription between a first object and a target merchant, and displaying a subscription guide page aiming at the target merchant, wherein the subscription guide page displays flow information when resource transfer subscription is carried out with the target merchant;

responding to a triggering operation of the first object for a jump control in the signing guidance page, sending a signing request for the target merchant to a second application so that the second application displays a resource transfer signing page for the target merchant according to the signing request, wherein the signing request comprises a merchant identifier of the target merchant and an identity identifier of the first object;

and after receiving a notification message of successful signing with the target merchant, displaying the notification message, wherein the notification message is forwarded by a second application server after the second application responds to a signing confirmation operation triggered by a second object associated with the first object through the resource transfer signing page.

The resource transfer method provided by the embodiment of the application comprises the following steps:

determining a target resource to be transferred;

acquiring resource transfer characteristics corresponding to an identity of a second object and geographical position information corresponding to the identity of the second object;

determining a resource transfer account associated with the corresponding first object according to the resource transfer characteristics;

and when the geographic position information is matched with a signing policy, performing resource transfer operation on the target resource by a resource transfer account associated with the first object.

A second method for controlling resource transfer provided in an embodiment of the present application includes:

after receiving a trigger instruction of resource transfer subscription between a first object and a target merchant, returning flow information when the resource transfer subscription is carried out between the first object and the target merchant to a first application so that the first application displays a subscription guide page aiming at the target merchant, wherein the flow information is displayed in the subscription guide page;

when a signing request aiming at the target merchant is received, the signing request is sent to a second application server, the second application server forwards the signing request to a second application so that the second application displays a resource transfer signing page aiming at the target merchant according to the signing request, wherein the signing request comprises a merchant identifier of the target merchant and an identity identifier of the first object, and the signing request is generated and sent after the first application responds to a triggering operation of the first object aiming at a jump control in the signing guidance page;

and receiving a notification message which is sent by a second application server and successfully signs a contract with the target merchant, and forwarding the notification message to the first application so as to enable the first application to display the notification message, wherein the notification message is generated and sent to the second application server after the second application responds to a contract confirmation operation triggered by the first object through the resource transfer contract page.

A first apparatus for controlling resource transfer provided in an embodiment of the present application includes:

the first response unit is used for responding to the triggering operation of resource transfer subscription between the first object and a target merchant and displaying a subscription guide page aiming at the target merchant, wherein the subscription guide page displays flow information when the resource transfer subscription is carried out with the target merchant;

a second response unit, configured to send, in response to a trigger operation of the first object for a skip control in the signing guidance page, a signing request for the target merchant to a second application, so that the second application displays, according to the signing request, a resource transfer signing page for the target merchant, where the signing request includes a merchant identifier of the target merchant and an identity identifier of the first object;

and the result display unit is used for displaying the notification message after receiving the notification message of successful signing with the target merchant, wherein the notification message is forwarded by a second application server after the second application responds to a signing confirmation operation triggered by the resource transfer signing page of a second object associated with the first object.

An embodiment of the present application provides a resource transfer device, including:

a first determining unit, configured to determine a target resource to be transferred;

the acquisition unit is used for acquiring resource transfer characteristics corresponding to the identity of a second object and geographical position information corresponding to the identity of the second object;

a second determining unit, configured to determine, according to the resource transfer characteristic, a resource transfer account associated with the corresponding first object;

and the resource transfer unit is used for carrying out resource transfer operation on the target resource by the resource transfer account associated with the first object when the geographic position information is matched with the signing policy.

A second apparatus for controlling resource transfer provided in an embodiment of the present application includes:

the first feedback unit is used for returning the process information when the resource transfer subscription is carried out with the target merchant to the first application after receiving a trigger instruction of the resource transfer subscription of the first object and the target merchant, so that the first application displays a subscription guide page aiming at the target merchant, and the subscription guide page displays the process information;

a first forwarding unit, configured to send a subscription request to a second application server when receiving the subscription request for the target merchant, where the second application server forwards the subscription request to a second application, so that the second application displays a resource transfer subscription page for the target merchant according to the subscription request, where the subscription request includes a merchant identifier of the target merchant and an identity identifier of the first object, and the subscription request is generated and sent by the first application after responding to a trigger operation of the first object for a jump control in the subscription guidance page;

and the second forwarding unit is configured to receive a notification message sent by a second application server and successfully signed with the target merchant, and forward the notification message to the first application so that the first application displays the notification message, where the notification message is generated and sent to the second application server after the second application responds to a subscription confirmation operation triggered by the first object through the resource transfer subscription page.

An electronic device provided in an embodiment of the present application includes a processor and a memory, where the memory stores program codes, and when the program codes are executed by the processor, the processor is caused to execute any one of the steps of the resource transfer and the control method thereof.

Embodiments of the present application provide a computer program product or computer program comprising computer instructions stored in a computer readable storage medium. The processor of the computer device reads the computer instructions from the computer readable storage medium, and the processor executes the computer instructions to cause the computer device to execute the steps of any one of the resource transfer and the control method thereof.

An embodiment of the present application provides a computer-readable storage medium, which includes program code for causing an electronic device to execute any one of the steps of the method for controlling resource transfer when the program product runs on the electronic device.

The beneficial effect of this application is as follows:

the embodiment of the application provides a resource transfer method, a resource transfer control device, an electronic device and a storage medium. In the embodiment of the application, when the resource transfer subscription is performed between the first object and the target merchant, the resource transfer subscription can be skipped to the second application through the subscription guide page in the first application, the subscription is performed through the second application, the resource transfer account associated with the first object in the second application is bound with the second object, and then when the resource transfer subscription is performed between the second object and the target merchant, the resource transfer subscription can be realized through the resource transfer account of the first object in the second application. Therefore, for the second object, the first object can supervise the second object when the second object transfers the resources, and the security of resource transfer can be effectively improved.

Additional features and advantages of the present application will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by the practice of the present application. The objectives and other advantages of the application may be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:

fig. 1 is an alternative schematic diagram of an application scenario in an embodiment of the present application;

fig. 2 is a flowchart of a first method for controlling resource transfer in an embodiment of the present application;

fig. 3A is a schematic diagram of a subscription guidance page in an embodiment of the present application;

fig. 3B is a schematic diagram of a resource transfer subscription page in an embodiment of the present application;

fig. 4 is a schematic diagram of a hardware device access and facial information collection process in an embodiment of the present application;

fig. 5 is a schematic diagram of a payment subscription process in an embodiment of the present application;

FIG. 6 is a diagram illustrating a storage manner of a file-encrypted database according to an embodiment of the present application;

fig. 7A is a schematic diagram of a face recognition process in the embodiment of the present application;

fig. 7B is a schematic diagram of a payment process after signing up in an embodiment of the present application;

FIG. 8 is a flowchart illustrating a resource transfer method according to an embodiment of the present application;

fig. 9 is a flowchart of a second method for controlling resource transfer in the embodiment of the present application;

fig. 10 is a flowchart of a third method for controlling resource transfer in the embodiment of the present application;

fig. 11 is a flowchart of a fourth method for controlling resource transfer in the embodiment of the present application;

FIG. 12 is a schematic diagram illustrating an alternative interactive implementation timing sequence in the embodiments of the present application;

fig. 13 is a schematic structural diagram of a first resource transfer control device in an embodiment of the present application;

fig. 14 is a schematic structural diagram of a second resource transfer control apparatus in an embodiment of the present application;

fig. 15 is a schematic structural diagram of a third control apparatus for resource transfer in the embodiment of the present application;

fig. 16 is a schematic structural diagram of a fourth control apparatus for resource transfer in the embodiment of the present application;

fig. 17 is a schematic structural diagram of a resource transfer apparatus in an embodiment of the present application;

fig. 18 is a schematic hardware component structure diagram of a first electronic device to which an embodiment of the present application is applied;

fig. 19 is a schematic diagram of a hardware component structure of a second electronic device to which an embodiment of the present application is applied.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments, but not all embodiments, of the technical solutions of the present application. All other embodiments obtained by a person skilled in the art without any inventive step based on the embodiments described in the present application are within the scope of the protection of the present application.

Some concepts related to the embodiments of the present application are described below.

An application operation interface: the medium is used for interaction and information exchange between an application system and a user, realizes conversion between an internal form of information and a human-acceptable form, and aims to enable the user to conveniently and efficiently operate an application to achieve bidirectional interaction and complete the work expected to be completed by the application. In the embodiment of the application, the application operation interface comprises a human-computer interaction and graphical user interface, and the specific application operation interface comprises a live broadcast page, an editing page, a voting statistical result page and the like. Different application operation interfaces are used for displaying different contents to the user, and different information interaction between the user and the application is realized.

A contract-signing guidance page: the system is user-oriented and is used for showing a specific process when signing a contract with a target merchant to a user and guiding the user signing. In addition, the subscription guide page in the embodiment of the application further includes a jump control, and when the first object clicks the jump control, the resource transfer subscription page of the second application can be jumped from the subscription guide page of the first application to perform resource transfer subscription in the second application.

Resource transfer subscription page: is user-oriented and refers to the page displayed when the user signs a contract with the target merchant in the second application. The user can input identity information (for example, referring to facial image information) through the resource transfer signing page, select a payment mode, pay an account and the like. In the embodiment of the application, the second object and the first object can be bound by inputting the identity information of the second object, and when the second object needs to perform resource transfer, payment is performed based on a resource transfer account associated with the first object in the second application, so that the transaction is completed.

Proxy (Proxy): also called a network proxy, is a special network service that allows one network terminal (typically a client) to make an indirect connection with another network terminal (typically a server) through the service. Some network devices such as gateways and routers have a network proxy function. The proxy service is generally considered to be beneficial to ensuring the privacy or security of the network terminal and preventing attacks. Computer systems or other types of network terminals that provide Proxy services are referred to as Proxy servers (Proxy servers). In the embodiment of the application, the merchant applet and the first application can communicate through the Proxy module.

SDK (Software Development Kit ): typically a collection of development tools used by some software engineers to build application software for a particular software package, software framework, hardware platform, operating system, etc. In general, an SDK is an SDK used by an application under a Windows platform. It may simply be some file that provides an API (application program interface) for a certain programming language, but may also include complex hardware that can communicate with a certain embedded system. Typical tools include utility tools for debugging and other purposes. SDKs also often include example code, supporting technical notes, or other supporting documentation to clarify suspicions for basic reference. In the embodiment of the application, the hardware for face brushing identification used by the store is accessed through the face brushing payment terminal SD, so that the most basic capability is provided for face brushing payment.

The following briefly introduces the design concept of the embodiments of the present application:

the most common transaction modes at present comprise offline transactions such as over-the-counter transactions and online transactions such as online shopping, and the most common transaction modes have fund potential safety hazards for groups needing monitoring such as old people and minors; for example, cash payment is involved in the offline transaction process, and the old people easily lose cash; generally, online transactions are performed through a series of processes of browsing webpages, registering, filling in shopping information, adding articles into shopping carts, settling accounts, selecting payment modes, filling in payment verification codes, filling in payment passwords and the like, the processes are too complicated for the groups, even some people forget the payment passwords, so that the transactions cannot be performed, and in addition, the groups cannot identify phishing and are easy to cheat into money and money.

For example, in the scene of school and enterprise, when students transfer online resources, the students basically need to own mobile phones, bind bank cards and have the ability of payment signing contract, and pay by using some instant messaging software or other payment software with payment function, because the safety awareness of the students is weak, the students are easy to have the event of being cheated; in addition, parents are not relieved to open the payment capability for mobile phones of students, so that on one hand, the consumption behaviors of the students are not well controlled, and on the other hand, the situation that the consumption behaviors of the students are not normal behaviors is not clear.

In view of this, embodiments of the present application provide a method and an apparatus for controlling resource transfer, an electronic device, and a storage medium. In the embodiment of the application, when the resource transfer subscription is performed between the first object and the target merchant, the resource transfer subscription can be skipped to the second application through the subscription guide page in the first application, the subscription is performed through the second application, the resource transfer account associated with the first object in the second application is bound with the second object, and then when the resource transfer subscription is performed between the second object and the target merchant, the resource transfer subscription can be realized through the resource transfer account of the first object in the second application. Therefore, for the second object, the first object can supervise the second object when the second object transfers the resources, and the security of resource transfer can be effectively improved.

The preferred embodiments of the present application will be described below with reference to the accompanying drawings of the specification, it should be understood that the preferred embodiments described herein are merely for illustrating and explaining the present application, and are not intended to limit the present application, and that the embodiments and features of the embodiments in the present application may be combined with each other without conflict.

Fig. 1 is a schematic view of an application scenario in the embodiment of the present application. The application scene graph includes two terminal devices 110 and a server 130, and the application operation interface 120 can be logged in through the terminal devices 110. The terminal device 110 and the server 130 can communicate with each other through a communication network.

The application operation interface 120 may be a resource transfer contract page, a contract instruction page, or the like. In addition, each terminal device may have a first application and a second application installed therein. After the user logs in the application operation interface 120 through the terminal device 110, corresponding operations can be executed on the application operation interface 120, and communication exists between the terminal device 110 and the server 130. When responding to the triggering operation of resource transfer subscription between the first object and the target merchant, the first application sends a triggering instruction of resource transfer subscription between the first object and the target merchant to the first application server; after receiving the trigger instruction, the first application server returns the process information when performing resource transfer subscription with the target merchant to the first application, and so on, which is not specifically limited herein.

In an alternative embodiment, the communication network is a wired network or a wireless network. The terminal device 110 and the server 130 may be directly or indirectly connected through wired or wireless communication, and the application is not limited herein.

In this embodiment, the terminal device 110 is an electronic device used by a user, and the electronic device may be a computer device having a certain computing capability and running instant messaging software and a website or social contact software and a website, such as a personal computer, a mobile phone, a tablet computer, a notebook, an e-book reader, a smart home, and the like. Each terminal device 110 and the server 130 are connected via a wireless Network, and the server 130 may be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, or a cloud server providing basic cloud computing services such as a cloud service, a cloud database, cloud computing, a cloud function, cloud storage, a Network service, cloud communication, a middleware service, a domain name service, a security service, a CDN (Content Delivery Network), a big data and an artificial intelligence platform.

The first application and the second application related to the embodiment of the present application may be software, or may also be clients such as web pages and applets, and the server is an application server corresponding to the software, or the web pages and the applets, and the specific type of the client is not limited.

In addition, the first application in the embodiment of the present application may refer to an application that does not have an external payment capability, for example, some social software, such as instant messaging software, may receive and send a red envelope between users, receive and pay through a two-dimensional code, and the like, but does not provide an external payment capability and cannot purchase a commodity (of course, the first application may also refer to an application that has an external payment capability, and is not specifically limited herein); the second application refers to an instant messaging application with payment capability, or payment software and the like. Therefore, when the first object signs a contract with the target merchant through the first application, the resource transfer account associated with the first object in the second application may be bound with the second object based on the second application, and then when the second object transfers the resource with the target merchant, the resource transfer account of the first object in the second application may be used to implement the resource transfer.

The first object and the second object in the embodiment of the application can be different users, for example, under various payment signing scenes in a school, characteristics of enterprises in the school are combined, when students (the second object) swipe faces for payment in scenes such as a dining room, a supermarket and a convenience store, account deduction of parents (the first object) of the students can be directly used, safety problems of use and payment of the students are reduced, and the parents can also know consumption conditions of the students through bill records. In this case, the second subject may be a user who needs to be monitored, such as an old person, a child, a student, and the like, but is not limited to the user. In addition, the first object and the second object can be the same user, for example, a teacher uses the account of the teacher in the second application when the teacher swipes the face, and the problem of the home-school enterprise can be solved through flexible control capability.

The campus face brushing payment is mainly used for sealing a campus scene, and the user group is a student group (fixed group) of the campus. The student just can consume through brushing the face, need not to carry cash or campus card, can effectively improve merchant efficiency, avoids campus card to steal to brush, lose, mend the scheduling problem. In addition to the above listed scenarios of campus face-brushing payment, other payment scenarios may also be used, such as shopping in a shopping mall, which is not limited herein. In the following, a face brushing scene in a school will be mainly exemplified.

The resource transfer account in the embodiment of the present application refers to a payment account of the user in the second application, and may be electronic money in the second application, a bank card payment account bound through the second application, and the like.

Referring to fig. 2, an implementation flow chart of a first method for controlling resource transfer provided in the embodiment of the present application is applied to a first application, and a specific implementation flow of the method is as follows:

s21: responding to the triggering operation of resource transfer subscription between the first object and the target merchant, and displaying a subscription guide page aiming at the target merchant, wherein the subscription guide page displays flow information when the resource transfer subscription is carried out with the target merchant;

s22: responding to the triggering operation of the first object aiming at the jump control in the signing guide page, sending a signing request aiming at the target merchant to a second application so that the second application displays a resource transfer signing page aiming at the target merchant according to the signing request, wherein the signing request comprises a merchant identifier of the target merchant and an identity identifier of the first object;

after responding to the triggering operation of resource transfer subscription between the first object and the target merchant, the first application sends a triggering instruction to the first application server; after receiving a trigger instruction for resource transfer subscription between the first object and a target merchant, the first application server returns the process information when the resource transfer subscription is carried out with the target merchant to the first application, and then the first application displays a subscription guide page through which the first object can view detailed subscription processes.

Referring to fig. 3A, a schematic diagram of a subscription guidance page in the embodiment of the present application is shown, where S30 is a jump control in the embodiment of the present application. When the second application is called to open the resource transfer page and the signing flow is called based on the first application, the method can be realized through the jump control.

It should be noted that, in the embodiment of the present application, the first application and the second application also have a cross-message communication capability therebetween. Such as a teacher, using the second application, may directly contact a parent or student of the first application; for example, the teacher may send or invite the parent to sign up using the second application.

For example, a parent may open a subscription procedure guide in a subscription guide page of the first application, view a detailed subscription procedure, and then may jump to the second application for a payment subscription procedure through a jump control in the subscription guide page, for example, a jump button to a subscription applet shown in S30 in fig. 3A.

The button for jumping to the subscription applet in the subscription guide page in the embodiment of the application can be a applet jump button: < wx-open-launch-webapp > (refer to API of a jump applet), for providing a button in a page that can jump to a specified applet. After the label is used, a user can jump to the small program by clicking the label button in the webpage, and the processes of calling the second application to open the appointed page and calling the signing flow by the first application are realized.

That is to say, in the embodiment of the present application, jumping from the subscription guide page of the first application to the resource transfer subscription page of the second application actually means jumping from the merchant applet in the first application to the subscription applet in the second application (also referred to as an acquisition applet or a face entry applet).

The first application side merchant signing process is described in detail as follows:

the first object initiates a signing request from the small program of the merchant, and at the moment, the merchant needs to confirm whether the entrusting and withholding authority is opened, whether the template is approved or not, whether the APPID of the small program is bound with the number of the merchant or not, and the like. The template is notified by the successful signing and different states, namely the field of the message display and the format of the message; after the merchant confirms, the signing request parameters are spliced according to rules, and then a signing request is initiated to a signing small program through small program skipping.

The signing request parameter comprises a merchant identifier of a target merchant and an identity identifier of a first object, wherein the identity identifier of the first object refers to openid when the first object logs in a merchant applet, the merchant identifier of the target merchant refers to a signing merchant number id of a merchant for which the first object needs to sign a contract, and in addition, the signing request parameter also can comprise an identifier of whether a service provider is accessed, and if the service provider is the id of one more service provider, the signing request parameter can be used for signing the service provider. The splicing rule when the contract request parameters are spliced is that parameters are added to a path opened by the applet, for example, pages/index/indexparams ═ xxx. The openid is the encrypted second application account, and the openid of each user is unique to each applet or public number.

When the first application responds to the triggering operation of the first object on the jump control in the contract-signing guide page, namely the first object clicks the jump button shown in S30, the first application server receives a contract-signing request for a target merchant and sends the contract-signing request to the second application server, and the second application server forwards the contract-signing request to the second application; and after receiving the signing request aiming at the target merchant sent by the first application, the second application displays the resource transfer signing page aiming at the target merchant according to the signing request.

And then, the user can carry out resource transfer subscription with the target merchant through the subscription applet in the second application. However, the user needs to first trigger the signing operation through the resource transfer signing page, and enter the resource transfer characteristics of the second object.

The embodiment of the present application specifically refers to face image information, that is, face information is recorded. In the embodiment of the application, the resource transfer account of the first object is bound with the second object, so that when the face information is collected, the face information of the second object is collected and used as the reference face image information, and the second application sends the collected reference face image information and the identity of the first object to the resource transfer server. The resource transfer server (a face-brushing payment background) receives the reference face image information and the identity identification of each (second) object sent by the second application, and performs feature extraction on each reference face image information to obtain reference feature information of each object; and performing association storage on the reference face image information, the reference characteristic information, the identity of the second object and the identity of the first object.

In addition, in order to facilitate deduction, the user also needs to set a payment account, a payment method and the like by using the second application. Specifically, the set payment account may be a payment account of the first object in the second application, that is, a resource transfer account associated with the first object in this embodiment of the present application, which is not limited herein. The payment mode can be direct payment or payment after confirmation, and the like, and can also refer to a deduction sequence, namely, the payment is firstly deducted from change, and when the change is insufficient, the payment is deducted from other payment modes, such as deduction from a bound bank card, and the like.

Fig. 3B is a schematic diagram illustrating a resource transfer subscription page according to an embodiment of the present application. When the user selects to open the password-free payment, that is, the payment mode is direct payment, and subsequently, when resource transfer is performed with the merchant a, money can be directly deducted from a resource transfer account associated with the first object, for example, a resource transfer contract page shown on the left side. The resource transfer subscription page shown on the right side in fig. 3B is a type of delegated discount resource transfer subscription page. After the user clicks to pay or pays and opens the renewal, the secret-free payment can be realized, and the automatic renewal is due.

And after the user selects the payment mode to complete the subscription in the second application subscription applet, the second application returns the subscription result to the merchant. The specific process is as follows: and the second application responds to the subscription confirmation operation triggered by the second object associated with the first object through the resource transfer subscription page, displays a notification message successfully signed with the target merchant, forwards the notification message to the first application server through the second application server, forwards the notification message to the first application through the first application server, and further realizes the step S23. The notification message includes specific subscription information, such as an identity of the first object, a merchant identity of the target merchant, a subscription order, a payment method, a payment account, and so on.

After the parent completes the withholding subscription in the resource transfer subscription page of the second application, the second application simultaneously notifies the notification message of the subscription to the merchant background (the merchant applet background, in this embodiment, the first application server) in an asynchronous notification manner through the second application server, and forwards the notification message to the binding where the first application becomes the payment subscription through the merchant background and the proxy module of the first application.

S23: and after receiving a notification message of successful signing with the target merchant, displaying the notification message, wherein the notification message is forwarded by a second application server after the second application responds to a signing confirmation operation triggered by a second object associated with the first object through a resource transfer signing page.

In addition, after the completion of the subscription, the resource transfer may be performed. In the embodiment of the application, when face brushing payment is carried out, the hardware device for face brushing payment provided by the first application is used or a third-party hardware product is accessed, basic verification and signing of face brushing are carried out in a corresponding payment place when a parent takes a student to enter a school, the hardware device is used for collecting face information of the student when the student pays, and in addition, the hardware device is used for prompting the parent to scan the two-dimensional code to carry out payment signing according to the process. The parent can display the signing guidance page shown in fig. 3A by scanning the two-dimensional code by using the first application, and further signs by calling the signing applet of the second application.

The resource transfer terminal associated with the first application can be a hardware device for face-brushing payment provided by the first application or access to a third-party hardware product. In the embodiment of the application, the face information of students or teachers is collected by accessing the hardware for face brushing recognition used by stores which take school lines off, and the most basic capability can be provided for face brushing payment by accessing the face information collection and recognition capability of the second application payment.

The following is a schematic diagram of a hardware device access and face information acquisition process in the embodiment of the present application with reference to fig. 4, specifically including a face-brushing payment terminal, a face-brushing payment background, a merchant APP (application), and a service provider background.

The acquiring applet shown in fig. 4 is the second application signed applet in the embodiment of the present application, the facilitator applet is the first application merchant applet in the embodiment of the present application, and the merchant applet can jump to the signed applet to acquire reference facial image information of the second object associated with the first object, so as to implement face (payment) provisioning. In addition, the second application needs to upload the collected reference face image information to a face brushing payment background, that is, the resource transfer server in the embodiment of the application obtains the reference feature information by performing quality analysis on the reference face image information by the resource transfer server through the quality score SDK and extracting through the feature SDK after the reference face image information is qualified. Furthermore, reference face image information (pictures), reference feature information (features) and Identification (ID) of each second object are stored in an associated mode through a feature management module of the face brushing payment background.

In addition, in consideration of the safety of face-brushing payment, credit information related to the second object can be stored in a face-brushing payment background, and the specific implementation is realized by parts such as wind control, authentication control, commission deduction, cushion deduction and the like shown in fig. 4.

The face-brushing payment terminal is a resource transfer terminal associated with the first application, is connected with a 3D (three-dimensional) camera and is used for acquiring face image information of a user through the 3D camera when the user performs face-brushing payment, and the face-brushing payment terminal acquires the face image information acquired by the external 3D camera through the camera SDK. When the face brushing payment terminal receives a resource transfer request aiming at a target merchant triggered by a second object, acquiring the face image information of the second object, and forwarding the resource transfer request carrying the face image information of the second object to a resource transfer server; then, receiving reference characteristic information which is returned by the resource transfer server and aims at the second object, and carrying out identity verification on the second object according to the face image information and the reference characteristic information; and generating resource transfer credential information for the resource transfer request after the verification is successful, and sending the resource transfer credential information to the first application.

When identity verification is carried out, firstly, quality score detection is carried out on the obtained face image information through biopsy preferred quality score SDK, after the quality score detection is passed, feature extraction comparison SDK is carried out, and feature comparison is carried out on the obtained face image information and corresponding reference face image information stored in a face brushing payment background (namely a resource transfer server). In addition, after the feature comparison is passed, the credit investigation information of the second object is required to be examined, specifically including user information, payment certificates, security wind control and transaction information, the verification of the information of the part needs to refer to related contents stored in the face-brushing payment background, and after the verification is passed, authentication control can be performed. And finally, generating resource transfer voucher information by the face-brushing payment terminal, generating a resource transfer order by the first application based on the resource transfer voucher information, informing the first application server, and informing the second application server to deduct money by the first application server.

In addition, the face-brushing payment terminal in the embodiment of the application can also communicate with the merchant APP in an aid l (Android Interface Definition Language) calling mode, so as to implement cross-process rendering.

Taking a campus payment scenario as an example, in the embodiment of the present application, the resource transfer terminal associated with the first application may be a terminal device having functions of capturing images and settling transactions in a campus shopping mall, a dining mall, and the like. When the second object wants to settle the transaction in the shop, the second object only needs to stand in front of the resource transfer terminal in the shop, and the face image information of the second object is collected by the resource transfer terminal.

Taking a student as an example of the second object, when the student selects the commodity in the supermarket and needs to settle accounts, the student only needs to stand in front of the resource transfer terminal in the supermarket without carrying cash or a mobile phone, and the resource transfer terminal acquires the face image information of the student to obtain the face image information of the second object. The resource transfer terminal adds the collected second object face image information to the resource transfer request, so that the resource transfer request carries the second object face image information, and in addition, the resource transfer request can also carry information such as a resource transfer terminal ID, a trading store, a trading commodity, a trading amount, trading time and the like, which is not limited herein.

Further, the resource transfer terminal compares the acquired face image information of the second object with the reference face image information of the resource transfer server side, and after the identity of the second object is verified, resource transfer voucher information for the order is generated, then the first application generates a resource transfer order according to the resource transfer voucher information acquired from the resource transfer terminal, and the resource transfer order is notified to the second application server through the first application server, and the second application server deducts money according to the resource transfer order.

Specifically, after receiving the resource transfer order, the second application server determines the first object associated with the second object according to the second object facial image information. And when the payment mode is direct payment, the second application server deducts corresponding resources from the resource transfer account associated with the first object directly according to the order and transfers the resources to the merchant account.

And when the payment mode is payment after confirmation, the second application server forwards the resource transfer order to the second application logged in by the first object, and the second application receives the resource transfer order sent by the second application server and displays the resource transfer order to the first object. Thereafter, the first object may click to confirm the payment, may also reject the payment, and so on. When the first object confirms payment, the second application responds to the resource transfer operation of the first object for the resource transfer order and sends a resource transfer instruction to the second application server, the second application server further conducts resource transfer operation on the resource transfer account associated with the first object and informs the second application of a resource transfer result, and the first application server forwards the resource transfer result to the first application and displays the first application to a user.

In the embodiment of the application, after the subscription is finished, the student can finish the payment by directly brushing the face when paying in places such as a signed restaurant, a supermarket and a convenience store, and the deduction account is a second application account authorized by a parent when signing; if the teacher signs, namely the first object and the second object are the same user, the teacher can designate to use the second application account of the teacher as a deduction account during signing, and the teacher can directly swipe the face for payment in places in schools, so that the method is very convenient and fast.

The following describes in detail the flow of face information acquisition, subscription fulfillment, and payment in the embodiments of the present application with reference to the accompanying drawings.

In the embodiment of the application, the face opening is mainly to enable the second application account of the parent to be bound with the account of the student, and the subscription is free of password withholding, so that subsequent face brushing identification and payment processes are facilitated. Compared with the method that credit investigation authority base photo comparison exists in online face-brushing payment, the campus face-brushing payment scheme mainly obtains the base photo by inputting and collecting the base photo by a small program, and the quality of the base photo is the key.

Fig. 5 is a schematic diagram of a payment signing process according to an embodiment of the present application.

In the process of payment signing between students and parents, firstly, a first application jumps to a face input small program (namely a signing small program) of a second application, then, a face input small program in the second application acquires reference face image information of a second object, the small program confirms and verifies the information of the students, and after the acquisition is correct, a face photo (color image) is uploaded to a resource transfer server through the small program. And color image quality component detection is carried out from the rear end. After the detection is correct, the deduction mode can be confirmed and the secret-free payment can be opened (or the payment can be confirmed again).

After the contract is successfully made, when a student or a teacher conducts face brushing payment, the method adopts an off-line identification mode, and mainly places a comparison link of a field photo (face image information collected when payment is requested) and a base photo (face image information is referred to) at a terminal instead of a background.

The base library for face comparison consists of base photograph characteristics of all users of the organization. The base photograph characteristic information is stored in a terminal database, the safety of database storage is a point which needs to be considered particularly, and the database storage mode of file encryption is adopted in the application.

Fig. 6 is a schematic diagram illustrating a storage manner of a file encryption database according to an embodiment of the present application. The method comprises two parts of internal encryption and file encryption.

Firstly, the acquired data needs to be encrypted internally and then written into a database, specifically, the acquired face image information and the like. The collected data are encrypted to generate a file, and then the file is encrypted, namely the whole file of the whole database is encrypted, so that the information security of the database can be effectively improved.

Referring to fig. 6, when the collected data content is encrypted internally, the encryption level is SQLite (a lightweight database), the encryption range is a partial field, the partial field is not completely encrypted, and information such as the table structure of the database can be viewed. The encryption algorithm is exclusive-or encryption, the encryption in the step is simple encryption, the security is low, size comparison and fuzzy matching are not supported, the performance loss is 10%, and relatively, the packet size increment is small and is 10K. Further, the file is encrypted, the encryption level at this time is outside the SQLite, and the encryption range is all fields. The Encryption algorithm is AES (Advanced Encryption Standard), the Encryption security of the step is higher, size comparison and fuzzy matching are supported, the performance loss is 5% -10%, and the increment of the packet size is smaller and is 600K.

Among them, AES is the most common symmetric encryption algorithm, the same key is used for encryption and decryption, and the encryption algorithm is used for applet encrypted transmission.

In the embodiment of the application, the two most important indexes of face recognition are the passing rate and the error recognition rate, and the higher the passing rate is, the lower the error recognition rate is, and the better the user experience is. Fig. 7A is a schematic diagram of a face recognition process in the embodiment of the present application, which specifically includes the following steps: the method comprises the steps of starting recognition- > loading characteristics- > terminal optimization- > terminal living body detection- > terminal quality detection interception- > terminal characteristic extraction- > terminal characteristic comparison.

The terminal preferably mainly refers to judgment that the acquisition quality of the camera reaches the standard, and the terminal living body detection refers to judgment of whether all face data are contained in face coverage characteristics and the like when face image information is acquired. Then, performing quality analysis on the collected face image information through terminal quality score detection interception, and if the quality scores meet the requirements and face recognition is passed, executing the next step; and if the quality score does not meet the requirement, the acquired face image information does not meet the requirement and needs to be acquired again.

After the face recognition is passed, the terminal needs to perform feature extraction and feature comparison. And if the comparison is successful, verifying the last four digits of the terminal, wherein the last four digits of the terminal refer to the terminal identifier, and the verification in the step is to ensure the reasonability of the face-brushing payment terminal, so that the payment process can be carried out after the terminal is successfully identified, and specifically refer to fig. 7B. And if the comparison fails, returning to the step preferred by the terminal.

Fig. 7B is a schematic view of a payment process after a successful subscription in the embodiment of the present application, which specifically includes the following processes:

after the resource transfer terminal is successfully identified, the resource transfer terminal generates a payment certificate (namely resource transfer certificate information) and returns the payment certificate to the merchant, the merchant (first application) generates an order according to the certificate, and the back end carries out real-time or delayed deduction to ensure that the payment is successful.

In the embodiment of the application, the payment process is mainly realized by asynchronous deduction, and the payment certificate is generated by the terminal, so that the aim of restoring the current identification site is mainly to provide site information as much as possible. The method mainly comprises the steps that under the weak network environment with poor network quality and delay, corresponding payment certificates can be generated, and asynchronous deduction is started after the network is recovered to be normal.

In conclusion, in the embodiment of the application, the family and school enterprise function in the first application can provide authentication of face-brushing payment for students through the payment scene of the regular consumption place in the school, meanwhile, the payment account of the parent is bound, the parent can control the payment amount, effective management and control can be achieved, and the students can form good consumption habits. And different forms of face brushing payment for teachers and students are supported, and the teachers trigger the use of own personal accounts and distinguish and process through face recognition and school identity recognition. Mainly solve the scene of all kinds of payment signings in school, combine the characteristic of family school enterprise, when the student when scenes such as dining room, supermarket, convenience store brush face payment, can directly use the parent's of student account withhold money, reduce the student and oneself use the safety problem of payment, the parent also can know student's consumption condition through the bill record, and the teacher brushes the face payment and uses the resource transfer account of teacher's own second application, can solve the problem of family school enterprise through nimble controllability. Similarly, similar effects can be achieved for other application scenarios.

The following describes a payment process for a surcharge by a parent account in a payment process when viewed from the perspective of the first application in conjunction with fig. 8. Referring to fig. 8, it is a flowchart of a resource transfer method in an embodiment of the present application, and a specific implementation flow of the method is as follows:

s81: determining a target resource to be transferred;

in the embodiment of the application, the target resource to be transferred refers to an article sold by a target merchant, and in this step refers to a target article to be paid. For example, when the target merchant refers to a related merchant in a school supermarket, the target resource may refer to a commodity purchased by a student in the school supermarket. Alternatively, the target merchant may also refer to a merchant related to a school canteen, and the target resource refers to food sold in the canteen.

S82: acquiring resource transfer characteristics corresponding to the identity of the second object and geographical position information corresponding to the identity of the second object;

the resource transfer characteristics include biological characteristics, such as human faces, fingerprints, and the like, and also include two-dimensional codes and the like. In the embodiment of the application, face brushing payment is mainly taken as an example, and the biological features mainly refer to face images, and certainly, face videos and the like, which are not specifically limited herein. In addition, the geographic location information refers to a current location of the second object when the second object initiates a resource transfer request for the target resource, for example, when the student is in a school canteen, the geographic location information specifically represents the geographic location information of the canteen, and further specifically, the geographic location information may further include information of a canteen window where the student is currently located.

S83: determining a resource transfer account associated with the corresponding first object according to the resource transfer characteristics;

in this embodiment of the application, when the resource transfer feature of the second object is obtained, a resource transfer account associated with the previously bound first object, for example, a payment account number of a parent of a student, may be matched based on the feature.

S84: and when the geographic position information is matched with the signing policy, performing resource transfer operation on the target resource by the resource transfer account associated with the first object.

The subscription policy may refer to that the second object determines to realize payment by the payment account when shopping is only performed within certain geographic coordinates or for a certain fixed machine. The position of a fixed machine is fixed, i.e. reflects its position information. Therefore, when the geographic position information is matched with the signing policy, the safety of student payment can be further ensured, and the payment for the generation can be realized through the payment account number of the student parent.

Optionally, the target resource is a tradable resource associated with the target merchant; before determining the target resource to be transferred, the method further comprises:

when a triggering instruction for resource transfer subscription between the first object and a target merchant is received, generating a subscription request according to a merchant identifier of the target merchant and an identity identifier of the first object, and sending the subscription request aiming at the target merchant to a second application; and after receiving the notification message of successful signing contract with the target merchant, acquiring the resource transfer characteristics of the second object and the resource transfer account associated with the corresponding first object in the notification message, and storing the resource transfer characteristics and the resource transfer account in an associated manner. In addition, a notification message may also be further displayed to the user.

In the foregoing embodiment, a process of signing a contract with a target merchant is described, in this embodiment, the first object supports a payment by signing a contract with the target merchant, and binds a resource transfer feature of the second object to a payment account associated with the first object. For a specific implementation manner, reference may be made to the above embodiments, and repeated details are not described herein.

Optionally, the resource transfer operation performed on the target resource by the resource transfer account identified by the first object specifically includes:

after resource transfer voucher information for the target resource is acquired, a resource transfer order is generated according to the resource transfer voucher information;

and informing the second application server of the resource transfer order, and carrying out resource transfer on the resource transfer account associated with the first object by the second application server according to the resource transfer order.

The resource transfer credential information is generated by the resource transfer terminal associated with the first application, and specific implementation manners of the process may be referred to in the above embodiments, and repeated details are not described again.

In addition, considering payment confirmation, even security policy and the like involved in the payment process, the second application side can also actively send monitoring, specifically:

before the resource transfer operation is carried out on the target resource by the resource transfer account associated with the first object, a monitoring instruction can be sent to the first application by the second application, after the monitoring instruction sent by the second application is received by the first application, a monitoring message aiming at the second object is obtained, and the monitoring message is returned to the second application, wherein the monitoring message comprises at least one of resource transfer state information and resource transfer environment information; when the geographic position information is matched with the signing policy and the monitoring message meets the preset security policy, the resource transfer operation can be performed on the target resource by the resource transfer account associated with the first object.

Wherein the first application may obtain the listening information based on the associated resource transfer terminal, including one or more of resource transfer status information and resource transfer context information. Specifically, the resource transfer state information may refer to current state information of the second object, for example, information such as facial videos or pictures of students may reflect the current state; in addition, the resource transfer environment information refers to environment information where the second object is currently located, such as voice information in the current environment. In this way, the first object can view the face video or picture of the child in real time through the second application, and can also monitor the environmental voice in real time, and the like, so as to further ensure the safety and reliability of the payment of the second object.

For example, when the second application receives a resource transfer order sent by the second application server, the second application displays the resource transfer order to the first object; at this time, the second application may send a monitoring instruction to the first application, monitor a face video or picture of the second object in real time, and monitor information such as voice in the payment environment in real time. When the safety is ensured, clicking to confirm payment, and at the moment, responding to the resource transfer operation of the first object aiming at the resource transfer order, the second application sends a resource transfer instruction to the second application server; and further, after receiving the resource transfer instruction sent by the second application, the second application server performs payment operation on the payment account number associated with the first object according to the order.

Referring to fig. 9, an implementation flow chart of a second resource transfer control method provided in the embodiment of the present application is applied to a second application, and a specific implementation flow of the method is as follows:

s91: after receiving a signing request which is sent by a first application and aims at a target merchant, displaying a resource transfer signing page aiming at the target merchant according to the signing request, wherein the signing request comprises a merchant identifier of the target merchant and an identity identifier of a first object, the signing request is sent after the first application responds to a trigger operation of the first object aiming at a jump control in a signing guide page, the signing guide page is displayed after the first application responds to the trigger operation of resource transfer signing between the first object and the target merchant, and flow information when the first application carries out resource transfer signing with the target merchant is displayed in the signing guide page;

s92: and in response to a subscription confirmation operation triggered by a second object associated with the first object through the resource transfer subscription page, displaying a notification message successfully signed with the target merchant, and forwarding the notification message to the first application through the second application server, so that the first application displays the notification message after receiving the notification message.

Optionally, before responding to the subscription confirmation operation triggered by the second object associated with the first object through the resource transfer subscription page, the method further includes:

acquiring reference face image information of a second object in response to a signing operation triggered by a resource transfer signing page, and sending the reference face image information and an identity of a first object to a resource transfer server so that the resource transfer server performs feature extraction on the reference face image information to obtain reference feature information, and then stores the reference face image information, the reference feature information and the identity in an associated manner; and

and acquiring the account identification of the resource transfer account associated with the first object, and sending the account identification and the identity identification to the second application server so that the second application server stores the account identification and the identity identification in an associated manner.

Optionally, the method further comprises:

receiving a resource transfer order sent by a second application server, and displaying the resource transfer order, wherein the resource transfer order is generated according to resource transfer voucher information after a first application receives resource transfer voucher information sent by a related resource transfer terminal, and the resource transfer voucher information is generated and sent after the resource transfer terminal receives a resource transfer request which is triggered by a second object and aims at a target merchant and the identity of the second object is verified successfully;

responding to the resource transfer operation of the first object for the resource transfer order, and sending a resource transfer instruction to the second application server so as to enable the second application server to perform resource transfer on a resource transfer account associated with the first object;

and after receiving the resource transfer result returned by the second application server, displaying the resource transfer result.

It should be noted that, for the above-mentioned specific examples of various embodiments applied to the second application, reference is made to the above, and repeated descriptions are omitted.

Referring to fig. 10, an implementation flow chart of a second method for controlling resource transfer provided in the embodiment of the present application is applied to a first application server, and a specific implementation flow of the method is as follows:

s101: after receiving a trigger instruction of resource transfer subscription between a first object and a target merchant, returning flow information when the resource transfer subscription is carried out with the target merchant to a first application so that the first application displays a subscription guide page aiming at the target merchant, wherein the subscription guide page displays the flow information;

s102: when a signing request aiming at a target merchant is received, the signing request is sent to a second application server, the second application server forwards the signing request to a second application so that the second application displays a resource transfer signing page aiming at the target merchant according to the signing request, wherein the signing request comprises a merchant identifier of the target merchant and an identity identifier of a first object, and the signing request is generated and sent after the first application responds to a triggering operation of the first object aiming at a jump control in a signing guide page;

s103: and receiving a notification message which is sent by the second application server and successfully signs a contract with the target merchant, and forwarding the notification message to the first application so that the first application displays the notification message, wherein the notification message is generated and sent to the second application server after the second application responds to a contract confirmation operation triggered by the first object through the resource transfer contract page.

Optionally, the method further comprises:

and receiving a resource transfer order sent by the first application, and forwarding the resource transfer order to the second application server so that the second application server performs resource transfer operation on a resource transfer account associated with the first object according to the resource transfer order, wherein the resource transfer order is generated according to resource transfer voucher information after the first application receives resource transfer voucher information sent by an associated resource transfer terminal, and the resource transfer voucher information is generated and sent after the resource transfer terminal receives a resource transfer request aiming at a target merchant and triggered by the second object and successfully verifies the identity of the second object.

Optionally, the method further comprises:

and after receiving a resource transfer result sent by the second application server, sending the resource transfer result to the first application so that the first application displays the resource transfer result, wherein the resource transfer result is generated and sent after the second application server performs resource transfer on a resource transfer account associated with the first object according to the resource transfer order.

It should be noted that, for the above specific examples of various implementation manners applied to the first application server side, reference may be made to the above description, and repeated details are not described again.

Referring to fig. 11, an implementation flow chart of a second resource transfer control method provided in the embodiment of the present application is applied to a second application server, and a specific implementation flow of the method is as follows:

s111: after receiving a signing request which is sent by a first application server and aims at a target merchant, forwarding the signing request to a second application so that the second application displays a resource transfer signing page aiming at the target merchant according to the signing request, wherein the signing request is triggered after the first application responds to a first object and triggers a jump control in a signing guidance page, and the signing request comprises a merchant identifier of the target merchant and an identity identifier of the first object;

s112: after receiving a signing confirmation instruction which is sent by the second application and triggered by the resource transfer signing page, sending a signing success notification message to the first application server after signing succeeds, and forwarding the notification message to the first application by the first application server so that the first application displays the notification message.

Optionally, the method further comprises:

and receiving an account identifier of the resource transfer account which is sent by the second application and is associated with the first object and an identity identifier of the first object, and storing the account identifier and the identity identifier in an associated manner, wherein the account identifier and the identity identifier are sent after the second application responds to a signing operation triggered by the resource transfer signing page.

Optionally, the method further comprises:

after receiving a resource transfer order sent by a first application server, forwarding the resource transfer order to a second application, wherein the resource transfer order is generated and sent to the first application server by the first application according to resource transfer voucher information sent by a resource transfer terminal associated with the first application, and the resource transfer voucher information is generated and sent after the resource transfer terminal receives a resource transfer request aiming at a target merchant and triggered by a second object and successfully verifies the identity of the second object;

the resource transfer method comprises the steps that after a resource transfer instruction of a first object for a resource transfer order is received, resource transfer operation is conducted on a resource transfer account associated with the first object, and a resource transfer result is sent to a second application, and the first application server is forwarded to the first application by the first application server, so that the first application and the second application display the resource transfer result.

It should be noted that, for the above specific examples of various implementation manners applied to the second application server side, reference may be made to the above description, and repeated details are not described again.

Fig. 12 is an interaction timing chart of a control method of resource transfer. The specific implementation flow of the method is as follows:

step S1200: the first application responds to the triggering operation of resource transfer signing between the first object and a target merchant and sends a triggering instruction of resource transfer signing between the first object and the target merchant to the first application server;

step S1201: after receiving the trigger instruction, the first application server returns the process information when carrying out resource transfer subscription with the target merchant to the first application;

step S1202: the first application displays a signing guide page aiming at a target merchant, and the signing guide page displays flow information when resource transfer signing is carried out with the target merchant;

step S1203: the first application responds to the triggering operation of the first object aiming at the jump control in the signing guide page, and sends a signing request aiming at the target merchant to the second application;

step S1204: the second application displays a resource transfer signing page aiming at the target merchant according to the signing request;

step S1205: the second application responds to signing operation triggered by the resource transfer signing page, acquires reference face image information of a second object, and sends the reference face image information and the identity identification of the first object to the resource transfer server;

step S1206: the second application acquires the account identification of the resource transfer account associated with the first object and sends the account identification and the identity identification to the second application server;

step S1207: the second application server receives the account identification of the resource transfer account which is sent by the second application and is associated with the first object and the identity identification of the first object, and stores the account identification and the identity identification in an associated manner;

step S1208: the second application responds to a subscription confirmation operation triggered by the second object associated with the first object through the resource transfer subscription page, and sends a subscription confirmation instruction triggered by the resource transfer subscription page to the second application server;

step S1209: after receiving the signing confirmation instruction, the second application server sends a signing success notification message to the first application server after signing success;

step 1210: the first application server forwards the notification message to the first application;

step S1211: the first application displays a notification message;

step S1212: after receiving the resource transfer voucher information sent by the associated resource transfer terminal, the first application generates a resource transfer order according to the resource transfer voucher information;

step S1213: the first application sends the resource transfer order to a first application server;

step S1214: the first application server forwards the resource transfer order to the second application server;

step S1215: the second application server performs resource transfer operation on the resource transfer account associated with the first object according to the resource transfer order and sends a resource transfer result to the second application;

step S1216: the second application displays the resource transfer result.

It should be noted that, in the above embodiment, the cases of the secret payment exemption are listed in steps S1212 to S1216, and when the secret payment exemption is not performed, the following steps are further included between step S1214 and step S1215:

step 1: after receiving the resource transfer order sent by the first application server, the second application server forwards the resource transfer order to the second application;

step 2: the second application receives a resource transfer order sent by the second application server and displays the resource transfer order;

and step 3: the second application responds to the resource transfer operation of the first object for the resource transfer order and sends a resource transfer instruction to the second application server;

and 4, step 4: and the second application server receives the resource transfer instruction sent by the second application.

It should be noted that, in the foregoing embodiment, instead of directly deducting money, the second application server sends the relevant information of the resource transfer order to the second application, the second application is displayed to the first object, after confirmation by the first object, the second application server may perform corresponding resource transfer, deduct money from the resource transfer account associated with the first object, and transfer the resource transfer account to the merchant account of the target merchant.

Based on the same inventive concept, the embodiment of the application also provides a control device for resource transfer. As shown in fig. 13, which is a schematic structural diagram of a control apparatus 1300 for a first resource transfer in the embodiment of the present application, applied to a first application, and may include:

a first response unit 1301, configured to display a subscription guidance page for the target merchant in response to a trigger operation of performing resource transfer subscription between the first object and the target merchant, where the subscription guidance page displays flow information when performing resource transfer subscription with the target merchant;

a second response unit 1302, configured to send, in response to a trigger operation of the first object for a jump control in the subscription guidance page, a subscription request for the target merchant to the second application, so that the second application displays a resource transfer subscription page for the target merchant according to the subscription request, where the subscription request includes a merchant identifier of the target merchant and an identity identifier of the first object;

and the result displaying unit 1303 is configured to display a notification message after receiving the notification message that the contract with the target merchant is successful, where the notification message is forwarded by the second application server after the second application responds to a contract confirmation operation triggered by the second object associated with the first object through the resource transfer contract page.

Optionally, after displaying the notification message, the result displaying unit 1303 is further configured to:

after receiving resource transfer voucher information sent by the associated resource transfer terminal, generating a resource transfer order according to the resource transfer voucher information, wherein the resource transfer voucher information is generated and sent after the resource transfer terminal receives a resource transfer request aiming at a target merchant and triggered by a second object and successfully verifies the identity of the second object;

and sending the resource transfer order to the first application server so that the first application server forwards the resource transfer order to the second application server, and performing resource transfer on the resource transfer account associated with the first object by the second application server according to the resource transfer order.

Optionally, the result display unit 1303 is further configured to:

and after receiving a resource transfer result sent by the first application server, displaying the resource transfer result, wherein the resource transfer result is generated and sent to the first application server after the second application server performs resource transfer on the resource transfer account associated with the first object according to the resource transfer order.

Based on the same inventive concept, the embodiment of the application also provides a control device for resource transfer. As shown in fig. 14, which is a schematic structural diagram of a control apparatus 1400 for second resource transfer in the embodiment of the present application, applied to a second application, and may include:

a page display unit 1401, configured to display a resource transfer signing page for a target merchant according to a signing request after receiving the signing request for the target merchant sent by a first application, where the signing request includes a merchant identifier of the target merchant and an identity identifier of a first object, the signing request is sent after the first application responds to a trigger operation of the first object for a jump control in a signing guidance page, the signing guidance page is displayed after the first application responds to the trigger operation of resource transfer signing between the first object and the target merchant, and flow information when the signing guidance page performs resource transfer signing with the target merchant is displayed;

a message notification unit 1402, configured to display a notification message that the subscription with the target merchant is successful in response to a subscription confirmation operation triggered by the second object associated with the first object through the resource transfer subscription page, and forward the notification message to the first application through the second application server, so that the first application displays the notification message after receiving the notification message.

Optionally, before responding to the subscription confirmation operation triggered by the second object associated with the first object through the resource transfer subscription page, the message notification unit 1402 is further configured to:

Optionally, the apparatus further comprises:

a resource transfer unit 1403, configured to receive a resource transfer order sent by the second application server, and display the resource transfer order, where the resource transfer order is generated according to resource transfer credential information after the first application receives resource transfer credential information sent by the associated resource transfer terminal, and the resource transfer credential information is generated and sent after the resource transfer terminal receives a resource transfer request, which is triggered by the second object and is addressed to the target merchant, and the identity of the second object is successfully verified;

Based on the same inventive concept, the embodiment of the application also provides a control device for resource transfer. As shown in fig. 15, which is a schematic structural diagram of a control apparatus 1500 for third resource transfer in this embodiment, applied to a first application server, and may include:

the first feedback unit 1501 is configured to, after receiving a trigger instruction for resource transfer subscription between the first object and the target merchant, return the flow information when resource transfer subscription is performed with the target merchant to the first application, so that the first application displays a subscription guidance page for the target merchant, where the subscription guidance page displays the flow information;

the first forwarding unit 1502 is configured to send a signing request to a second application server when receiving the signing request for a target merchant, and forward the signing request to a second application by the second application server, so that the second application displays a resource transfer signing page for the target merchant according to the signing request, where the signing request includes a merchant identifier of the target merchant and an identity identifier of a first object, and the signing request is generated and sent by the first application after the first application responds to a trigger operation of the first object for a jump control in a signing guidance page;

the second forwarding unit 1503 is configured to receive a notification message that the subscription with the target merchant succeeds and sent by the second application server, and forward the notification message to the first application, so that the first application displays the notification message, where the notification message is generated and sent to the second application server after the second application responds to a subscription confirmation operation triggered by the first object through the resource transfer subscription page.

Optionally, the apparatus further comprises:

a third forwarding unit 1504, configured to receive a resource transfer order sent by the first application, and forward the resource transfer order to the second application server, so that the second application server performs a resource transfer operation on a resource transfer account associated with the first object according to the resource transfer order, where the resource transfer order is generated according to resource transfer credential information after the first application receives resource transfer credential information sent by an associated resource transfer terminal, and the resource transfer credential information is generated and sent after the resource transfer terminal receives a resource transfer request, which is triggered by the second object and is addressed to a target merchant, and the second object identity is successfully verified.

Optionally, the apparatus further comprises:

the second feedback unit 1505 is configured to, after receiving the resource transfer result sent by the second application server, send the resource transfer result to the first application, so that the first application displays the resource transfer result, where the resource transfer result is generated and sent after the second application server performs resource transfer on the resource transfer account associated with the first object according to the resource transfer order.

Based on the same inventive concept, the embodiment of the application also provides a control device for resource transfer. As shown in fig. 16, which is a schematic structural diagram of a fourth control apparatus 1600 for resource transfer in this embodiment, applied to a second application server, and includes:

the first forwarding unit 1601 is configured to forward, after receiving a subscription request for a target merchant sent by a first application server, the subscription request to a second application, so that the second application displays a resource transfer subscription page for the target merchant according to the subscription request, where the subscription request is triggered after a first application responds to a triggering operation of a first object for a jump control in a subscription guidance page, and the subscription request includes a merchant identifier of the target merchant and an identity identifier of the first object;

a message notifying unit 1602, configured to send a notification message of successful subscription to the first application server after successful subscription after receiving a subscription confirmation instruction triggered by the resource transfer subscription page and sent by the second application, where the first application server forwards the notification message to the first application, so that the first application displays the notification message.

Optionally, the apparatus further comprises:

the storage unit 1603 is configured to receive an account identifier of the resource transfer account associated with the first object and sent by the second application, and an identity identifier of the first object, and store the account identifier and the identity identifier in an associated manner, where the account identifier and the identity identifier are sent by the second application after responding to a subscription operation triggered by the resource transfer subscription page.

Optionally, the apparatus further comprises:

a second forwarding unit 1604, configured to forward the resource transfer order to a second application after receiving the resource transfer order sent by the first application server, where the resource transfer order is generated and sent to the first application server by the first application according to resource transfer credential information sent by a resource transfer terminal associated with the first application, and the resource transfer credential information is generated and sent after the resource transfer terminal receives a resource transfer request, which is triggered by the second object and is addressed to the target merchant, and successfully verifies the identity of the second object;

and the first application server forwards the resource transfer result to the first application so that the first application and the second application display the resource transfer result.

Based on the same inventive concept, the embodiment of the application also provides a control device for resource transfer. As shown in fig. 17, which is a schematic structural diagram of a resource transfer apparatus 1700 in the embodiment of the present application, applied to a first application, and including:

a first determination unit 1701 for determining a target resource to be transferred;

an obtaining unit 1702, configured to obtain a resource transfer characteristic corresponding to an identifier of a second object and geographic location information corresponding to the identifier of the second object;

a second determining unit 1703, configured to determine, according to the resource transfer characteristic, a resource transfer account associated with the corresponding first object;

and a resource transfer unit 1704, configured to perform a resource transfer operation on the target resource by a resource transfer account associated with the first object when the geographic location information matches the subscription policy.

Optionally, the target resource is a tradable resource associated with the target merchant; the device still includes:

a signing unit 1705, configured to, when receiving a trigger instruction for resource transfer signing between a first object and a target merchant before determining a target resource to be transferred, generate a signing request according to a merchant identifier of the target merchant and an identity identifier of the first object, and send the signing request for the target merchant to a second application;

and after receiving the notification message of successful signing with the target merchant, acquiring the resource transfer characteristics of the second object and the resource transfer account associated with the corresponding first object in the notification message, and storing the resource transfer characteristics and the resource transfer account in an associated manner.

Optionally, the resource transfer unit 1704 is specifically configured to:

Optionally, the resource transfer unit 1704 is further configured to:

before a resource transfer account associated with a first object performs resource transfer operation on a target resource, after a monitoring instruction sent by a second application is received, acquiring a monitoring message for the second object, and returning the monitoring message to the second application, wherein the monitoring message comprises at least one of resource transfer state information and resource transfer environment information;

the resource transfer unit 1704 is specifically configured to:

and when the geographic position information is matched with the signing policy and the monitoring message meets the preset security policy, performing resource transfer operation on the target resource by using the resource transfer account associated with the first object.

For convenience of description, the above parts are separately described as modules (or units) according to functional division. Of course, the functionality of the various modules (or units) may be implemented in the same one or more pieces of software or hardware when implementing the present application.

Having described the method and apparatus for controlling resource transfer according to an exemplary embodiment of the present application, an electronic device according to another exemplary embodiment of the present application is described next.

As will be appreciated by one skilled in the art, aspects of the present application may be embodied as a system, method or program product. Accordingly, various aspects of the present application may be embodied in the form of: an entirely hardware embodiment, an entirely software embodiment (including firmware, microcode, etc.), or an embodiment combining hardware and software aspects that may all generally be referred to herein as a "circuit," module "or" system.

The electronic equipment is based on the same inventive concept as the method embodiment, and the embodiment of the application also provides the electronic equipment. The electronic device may be used for transfer control of resource objects. In one embodiment, the electronic device may be a server, such as server 130 shown in FIG. 1. In this embodiment, the electronic device may be configured as shown in fig. 18, and include a memory 1801, a communication module 1803, and one or more processors 1802.

The memory 1801 is used for storing computer programs executed by the processor 1802. The memory 1801 may mainly include a program storage area and a data storage area, where the program storage area may store an operating system, a program required for running an instant messaging function, and the like; the storage data area can store various instant messaging information, operation instruction sets and the like.

The memory 1801 may be a volatile memory (volatile memory), such as a random-access memory (RAM); the memory 1801 may also be a non-volatile memory (non-volatile memory), such as a read-only memory (rom), a flash memory (flash memory), a hard disk (HDD) or a solid-state drive (SSD); or memory 1801 is any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer, but is not limited to such. The memory 1801 may be a combination of the above memories.

The processor 1802, may include one or more Central Processing Units (CPUs), or be a digital processing unit, and the like. The processor 1802 is configured to implement the control method of resource transfer when calling the computer program stored in the memory 1801.

The communication module 1803 is used for communicating with terminal devices and other servers.

The embodiment of the present application does not limit the specific connection medium among the memory 1801, the communication module 1803 and the processor 1802. In fig. 18, the memory 1801 and the processor 1802 are connected by a bus 1804, the bus 1804 is shown by a thick line in fig. 18, and the connection manner between other components is merely illustrative and not limited. The bus 1804 may be divided into an address bus, a data bus, a control bus, and the like. For ease of illustration, only one thick line is shown in FIG. 18, but this does not mean only one bus or one type of bus.

The memory 1801 stores a computer storage medium, and the computer storage medium stores computer-executable instructions for implementing the resource transfer control method according to the embodiment of the present application. The processor 1802 is configured to execute the control method of resource transfer on the server side as shown in fig. 10 or fig. 11.

In another embodiment, the electronic device may also be other electronic devices, such as the terminal device 110 shown in fig. 1. In this embodiment, the structure of the electronic device may be as shown in fig. 19, including: a communication component 1910, a memory 1920, a display unit 1930, a camera 1940, sensors 1950, audio circuitry 1960, a bluetooth module 1970, a processor 1980, and the like.

A communication component 1910 is configured to communicate with a server. In some embodiments, a WiFi (Wireless Fidelity) module may be included, the WiFi module belongs to a short-distance Wireless transmission technology, and the electronic device may help the user to send and receive information through the WiFi module.

Memory 1920 may be used to store software programs and data. The processor 1980 performs various functions of the terminal device 110 and data processing by executing software programs or data stored in the memory 1920. The memory 1920 may include high-speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid-state storage device. The memory 1920 stores an operating system that enables the terminal device 110 to operate. The memory 1920 in the present application may store an operating system and various application programs, and may also store codes for executing the control method for resource transfer according to the embodiment of the present application.

The display unit 1930 may also be used to display information input by the user or information provided to the user, and a Graphical User Interface (GUI) of various menus of the terminal apparatus 110. Specifically, the display unit 1930 may include a display screen 1932 disposed on the front of the terminal device 110. The display screen 1932 may be configured in the form of a liquid crystal display, a light emitting diode, or the like. The display unit 1930 may be used to display the application operation interface 120 in the embodiment of the present application.

The display unit 1930 may also be used to receive input numeric or character information and generate signal inputs related to user settings and function control of the terminal device 110, and specifically, the display unit 1930 may include a touch screen 1931 disposed on the front of the terminal device 110 and capable of collecting touch operations of a user thereon or nearby, such as clicking a button, dragging a scroll box, and the like.

The touch screen 1931 may cover the display screen 1932, or the touch screen 1931 and the display screen 1932 may be integrated to implement the input and output functions of the terminal device 110, and the integrated touch screen may be referred to as a touch display screen for short. The display unit 1930 in this application can display application programs and corresponding operation steps.

Camera 1940 may be used to capture still images, and the user may send images captured by camera 1940 to the resource transfer server through the second application. The number of the cameras 1940 may be one or plural. The object generates an optical image through the lens and projects the optical image to the photosensitive element. The photosensitive element may be a Charge Coupled Device (CCD) or a complementary metal-oxide-semiconductor (CMOS) phototransistor. The light sensing elements convert the light signals into electrical signals which are then passed to a processor 1980 for conversion into digital image signals.

The terminal device may further include at least one sensor 1950 such as an acceleration sensor 1951, a distance sensor 1952, a fingerprint sensor 1953, a temperature sensor 1954. The terminal device may also be configured with other sensors such as a gyroscope, barometer, hygrometer, thermometer, infrared sensor, light sensor, motion sensor, and the like.

Audio circuitry 1960, speakers 1961, and microphone 1962 may provide an audio interface between a user and terminal equipment 110. The audio circuit 1960 may transmit the electrical signal converted from the received audio data to the speaker 1961, and convert the electrical signal into an audio signal for output by the speaker 1961. Terminal device 110 may also be configured with a volume button for adjusting the volume of the sound signal. On the other hand, the microphone 1962 converts collected sound signals into electrical signals, which are received by the audio circuit 1960 and converted into audio data, which are then output to the communication component 1910 for transmission to, for example, another terminal device 110, or to the memory 1920 for further processing.

The bluetooth module 1970 is used for information interaction with other bluetooth devices having a bluetooth module through a bluetooth protocol. For example, the terminal device may establish a bluetooth connection with a wearable electronic device (e.g., a smart watch) that is also equipped with a bluetooth module through the bluetooth module 1970, so as to perform data interaction.

The processor 1980 is a control center of the terminal device, connects various parts of the entire terminal device with various interfaces and lines, and performs various functions of the terminal device and processes data by running or executing software programs stored in the memory 1920 and calling data stored in the memory 1920. In some embodiments, processor 1980 may include one or more processing units; the processor 1980 may also integrate an application processor, which primarily handles operating systems, user interfaces, application programs, etc., and a baseband processor, which primarily handles wireless communications. It will be appreciated that the baseband processor may not be integrated into the processor 1980. The processor 1980 may run an operating system, an application program, a user interface display, a touch response, and the resource transfer and control method of the application side in the embodiments of the present application, such as the steps of the method shown in fig. 2, 8, or 9. Further, processor 1980 is coupled with a display unit 1930.

In some possible embodiments, various aspects of the control method for resource transfer provided by the present application may also be implemented in the form of a program product including program code for causing a computer device to perform the steps in the resource transfer and control method thereof according to various exemplary embodiments of the present application described above in this specification when the program product is run on a computer device, for example, the computer device may perform the steps as shown in fig. 2 or fig. 8 or fig. 9 or fig. 10 or fig. 11.

The program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

The program product of embodiments of the present application may employ a portable compact disc read only memory (CD-ROM) and include program code, and may be run on a computing device. However, the program product of the present application is not limited thereto, and in this document, a readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with a command execution system, apparatus, or device.

A readable signal medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable signal medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with a command execution system, apparatus, or device.

Program code embodied on a readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

Those of ordinary skill in the art will understand that: all or part of the steps for implementing the method embodiments may be implemented by hardware related to program instructions, and the program may be stored in a computer readable storage medium, and when executed, the program performs the steps including the method embodiments; and the aforementioned storage medium includes: a mobile storage device, a Read Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, etc. various media that can store program codes.

Alternatively, the integrated unit in the embodiment of the present application may be stored in a computer-readable storage medium if it is implemented in the form of a software functional module and sold or used as a stand-alone product. Based on such understanding, the technical solutions of the embodiments of the present application may be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the methods described in the embodiments of the present application. And the aforementioned storage medium includes: a removable storage device, a ROM, a RAM, a magnetic or optical disk, or various other media that can store program code.

While the preferred embodiments of the present application have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. It is therefore intended that the following claims be interpreted as including the preferred embodiment and all alterations and modifications that fall within the scope of this application. It will be apparent to those skilled in the art that various changes and modifications may be made in the present application without departing from the spirit and scope of the application. Thus, if such changes and modifications of the present application fall within the scope of the claims of the present application and their equivalents, the present application is intended to include such changes and modifications.

Claims

1. A method for controlling resource transfer, applied to a first application, includes:

and after receiving a notification message of successful signing with the target merchant, displaying the notification message, wherein the notification message is forwarded by a second application server after the second application responds to a signing confirmation operation triggered by the resource transfer signing page of a second object associated with the first object.

2. The method of claim 1, wherein after said displaying the notification message, the method further comprises:

after receiving resource transfer voucher information sent by a related resource transfer terminal, generating a resource transfer order according to the resource transfer voucher information, wherein the resource transfer voucher information is generated and sent after the resource transfer terminal receives a resource transfer request aiming at the target merchant and triggered by the second object and successfully verifies the identity of the second object;

and sending the resource transfer order to a first application server so that the first application server forwards the resource transfer order to a second application server, and carrying out resource transfer on a resource transfer account associated with the first object by the second application server according to the resource transfer order.

3. The method of claim 2, wherein the method further comprises:

and after receiving a resource transfer result sent by the first application server, displaying the resource transfer result, wherein the resource transfer result is generated and sent to the first application server after the second application server performs resource transfer on a resource transfer account associated with the first object according to a resource transfer order.

4. A method for resource transfer, comprising:

determining a target resource to be transferred;

5. The method of claim 4, wherein the target resource is a tradable resource associated with a target merchant; before the determining a target resource to be transferred, the method further comprises:

when a trigger instruction for resource transfer subscription between the first object and the target merchant is received, generating a subscription request according to the merchant identifier of the target merchant and the identity identifier of the first object, and sending the subscription request aiming at the target merchant to a second application;

and after receiving a notification message of successful signing with the target merchant, acquiring the resource transfer characteristics of the second object and the resource transfer account associated with the corresponding first object in the notification message, and storing the resource transfer characteristics and the resource transfer account in an associated manner.

6. The method of claim 4, wherein the resource transfer account identified by the first object performs a resource transfer operation on the target resource, specifically comprising:

after resource transfer voucher information aiming at the target resource is acquired, a resource transfer order is generated according to the resource transfer voucher information;

and notifying a second application server of the resource transfer order, and carrying out resource transfer on the resource transfer account associated with the first object by the second application server according to the resource transfer order.

7. The method of any of claims 4 to 6, wherein prior to the resource transfer operation on the target resource by the resource transfer account associated with the first object, the method further comprises:

after receiving a monitoring instruction sent by the second application, acquiring a monitoring message aiming at the second object, and returning the monitoring message to the second application, wherein the monitoring message comprises at least one of resource transfer state information and resource transfer environment information;

when the geographic location information is matched with a subscription policy, performing a resource transfer operation on the target resource by a resource transfer account associated with the first object, specifically including:

and when the geographic position information is matched with a signing policy and the monitoring message meets a preset security policy, performing resource transfer operation on the target resource by using a resource transfer account associated with the first object.

8. A control method for resource transfer is applied to a first application server, and comprises the following steps:

when a signing request aiming at the target merchant is received, sending the signing request to a second application server, and forwarding the signing request to a second application by the second application server so that the second application displays a resource transfer signing page aiming at the target merchant according to the signing request, wherein the signing request comprises a merchant identifier of the target merchant and an identity identifier of the first object, and the signing request is generated and sent after the first application responds to the triggering operation of the first object for control skip in the signing guidance page;

9. The method of claim 8, wherein the method further comprises:

and receiving a resource transfer order sent by the first application, and forwarding the resource transfer order to the second application server, so that the second application server performs resource transfer operation on a resource transfer account associated with the first object according to the resource transfer order, wherein the resource transfer order is generated according to resource transfer voucher information after the first application receives resource transfer voucher information sent by an associated resource transfer terminal, and the resource transfer voucher information is generated and sent after the resource transfer terminal receives a resource transfer request aiming at the target merchant and triggered by a second object and successfully verifies the identity of the second object.

10. The method of claim 8, wherein the method further comprises:

and after receiving a resource transfer result sent by a second application server, sending the resource transfer result to a first application to enable the first application to display the resource transfer result, wherein the resource transfer result is generated and sent after the second application server performs resource transfer on a resource transfer account associated with the first object according to a resource transfer order.

11. An apparatus for controlling resource transfer, comprising:

a second response unit, configured to send, in response to a trigger operation of the first object for a jump control in the subscription guidance page, a subscription request for the target merchant to a second application, so that the second application displays a resource transfer subscription page for the target merchant according to the subscription request, where the subscription request includes a merchant identifier of the target merchant and an identity identifier of the first object;

and the result display unit is used for displaying the notification message after receiving the notification message that the subscription with the target merchant is successful, wherein the notification message is forwarded by a second application server after the second application responds to subscription confirmation operation triggered by the resource transfer subscription page of a second object associated with the first object.

12. A resource transfer apparatus, comprising:

13. An apparatus for controlling resource transfer, comprising:

14. An electronic device comprising a processor and a memory, wherein the memory stores program code which, when executed by the processor, causes the processor to perform the steps of the method of any of claims 1 to 3 or the steps of the method of any of claims 4 to 7 or the steps of the method of any of claims 8 to 10.

15. A computer-readable storage medium, characterized in that it comprises program code for causing an electronic device to perform the steps of the method of any of claims 1-3 or the steps of the method of any of claims 4-7 or the steps of the method of any of claims 8-10, when said program code is run on said electronic device.