CN114581095A - Payment method, collection terminal and system - Google Patents
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- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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Abstract
The invention discloses a payment method, a collection terminal and a system, and relates to the technical field of online payment. One embodiment of the method comprises: initializing a tool pack in response to triggering aiming at a target face brushing payment mode in a plurality of face brushing payment modes, wherein the tool pack is provided with a face recognition program of the plurality of face brushing payment modes; sending a certificate acquisition request to a tool kit development platform through a merchant server; if a tool kit use certificate sent by a tool kit development platform is received, acquiring an image acquired by an image acquisition device, wherein the tool kit use certificate indicates that the tool kit obtains use authorization; processing the image by a human face recognition program of a target face brushing payment mode packaged by the tool kit, and sending an image processing result to a server of the target face brushing payment mode; and receiving payment information sent by the server of the target face-brushing payment mode, and performing payment processing. The embodiment aggregates different face brushing payment modes to improve the user experience.
Description
Technical Field
The invention relates to the technical field of online payment, in particular to a payment method, a collection terminal and a system.
Background
Since the face-brushing payment of merchant terminals is started, strong barriers of face-brushing payment algorithms and image acquisition are established on each payment platform. Therefore, in the process of using a plurality of payment platforms, a merchant has to place corresponding merchant terminals for different payment platforms, that is, a situation that one merchant places a plurality of face-brushing cash-receiving terminals often occurs. When the consumer adopts face-brushing payment, the face-brushing payment angle has to be adjusted according to the placement positions of different face-brushing collection terminals. The existing mode that each face brushing terminal is independently arranged leads to poor experience of merchants and consumers.
Disclosure of Invention
In view of this, embodiments of the present invention provide a payment method, terminal, and system, which can aggregate different face-brushing payment manners to improve user experience.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a method of payment, including:
initializing a tool pack in response to a trigger aiming at a target face brushing payment mode in a plurality of face brushing payment modes, wherein the tool pack is provided with a face recognition program of the plurality of face brushing payment modes;
sending a certificate acquisition request to a tool kit development platform through a merchant server;
if a tool kit use certificate sent by the tool kit development platform is received, acquiring an image acquired by an image acquisition device through the tool kit, wherein the tool kit use certificate indicates that the tool kit obtains use authorization;
processing the image through a face recognition program of the target face brushing payment mode packaged by the tool kit, and sending the image processing result to a server of the target face brushing payment mode;
and if the payment information sent by the server of the target face-brushing payment mode is received, carrying out payment processing based on the payment information.
Optionally, for the case that the target face brushing payment mode is payment by combining facial recognition with a payment password,
the payment information sent by the server of the target face-brushing payment mode comprises prompt information of a payment password to be input by a user;
the performing payment processing based on the payment information includes: acquiring a payment password input by a user, sending the payment password to a server of the target face-brushing payment mode, so that the server of the target face-brushing payment mode verifies the payment password, and generating a payment result based on a verification result;
and receiving the payment result sent by the server of the target face brushing payment mode.
Optionally, for the target face brushing payment mode is payment based on face recognition,
after the image processing result indicates that the image verification is passed, the payment information sent by the server of the target face-brushing payment mode comprises a payment certificate;
the performing payment processing based on the payment information includes: and sending the payment certificate to a collection server through a payment interface so as to enable the collection server to carry out collection operation based on the payment certificate.
Optionally, after receiving the payment information sent by the server of the target face-brushing payment method, the method further includes: closing a page related to the payment.
Optionally, after receiving the payment information sent by the server of the target face-brushing payment method, the method further includes: a page is provided indicating the status of the payment loading.
Optionally, the payment method further includes:
and if the payment processing result indicates that the payment is successful, closing the page indicating the payment loading state and releasing the resources.
In a second aspect, an embodiment of the present invention provides a cash receiving terminal, including: an initialization module, an interaction module, and a payment processing module, wherein,
the initialization module is used for initializing a tool kit in response to triggering of a target face brushing payment mode in a plurality of face brushing payment modes, wherein the tool kit is packaged with a face recognition program of the plurality of face brushing payment modes;
the interaction module is used for sending a certificate acquisition request to the tool kit development platform through the merchant server;
the payment processing module is used for acquiring the image acquired by the image acquisition device through the tool kit if the interaction module receives a tool kit use certificate sent by the tool kit development platform, wherein the tool kit use certificate indicates that the tool kit obtains use authorization; processing the image through a human face recognition program of the target face brushing payment mode packaged by the tool kit, and sending the image processing result to a server of the target face brushing payment mode; and if the payment information sent by the server of the target face-brushing payment mode is received, carrying out payment processing based on the payment information.
In a third aspect, an embodiment of the present invention provides a payment system, including: a cash collecting terminal, a merchant server, a tool kit development platform and a server corresponding to a plurality of face brushing payment modes,
the payment receiving terminal is used for receiving trigger aiming at a target face brushing payment mode in a plurality of face brushing payment modes and initializing a tool pack, wherein the tool pack is provided with a face recognition program of the plurality of face brushing payment modes;
the merchant server is used for receiving the instruction of the cash receiving terminal and sending a certificate acquisition request to the tool kit development platform; if a tool kit use certificate sent by the tool kit development platform is received, sending the tool kit use certificate to the collection terminal;
the payment receiving terminal is further used for acquiring an image acquired by the image acquisition device through the tool kit, wherein the tool kit usage certificate indicates that the tool kit obtains usage authorization, the image is processed through a face recognition program of the target face brushing payment mode packaged by the tool kit, and the image processing result is sent to a server of the target face brushing payment mode;
the server of the target face-brushing payment mode is used for carrying out face recognition on a processed result, and generating payment information to the cash receiving terminal if the recognition result indicates success;
and the cash receiving terminal is further used for carrying out payment processing based on the payment information if the payment information sent by the server of the target face brushing payment mode is received.
One embodiment of the above invention has the following advantages or benefits: because the tool package is provided with the face with various face brushing payment modes, the terminal acquires the tool package use certificate for the tool package to ensure the legality of the tool package, and under the condition that the tool package is legal, the face recognition program of the target face brushing payment mode packaged by the tool package processes the acquired image for subsequent face payment. Therefore, the scheme provided by the invention can aggregate different face brushing payment modes, and the aggregated different face brushing payment modes have the same image basis, so that the user does not need to adjust the face brushing angle according to different face brushing payment modes, and the user experience can be improved.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic diagram of a main flow of a method of payment according to an embodiment of the invention;
FIG. 2 is a schematic diagram of the main flow of payment processing according to an embodiment of the invention;
FIG. 3 is a schematic diagram of the main modules of a checkout terminal according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of the primary devices of a system for payment according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of a main flow of a payment system for making a payment by combining facial recognition with a payment password according to an embodiment of the invention;
FIG. 6 is a schematic diagram of the main flow of a first payment method for making a payment based on facial recognition of a system for payment according to an embodiment of the present invention;
FIG. 7 is a schematic diagram of the main flow of a second payment method for making a payment based on facial recognition of a system for payment according to an embodiment of the present invention;
FIG. 8 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 9 is a schematic diagram of a computer system suitable for implementing a checkout terminal according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Fig. 1 is a main flow chart of a method of payment according to an embodiment of the present invention. As shown in fig. 1, the payment method may include the steps of:
step S101: initializing a tool pack in response to the trigger aiming at a target face brushing payment mode in the plurality of face brushing payment modes, wherein the tool pack is provided with a face recognition program of the plurality of face brushing payment modes;
step S102: sending a certificate acquisition request to a tool kit development platform through a merchant server;
the merchant server is connected with a cash collecting terminal of a merchant, such as an artificial cash collector, a self-service cash collector, a cash collector of a restaurant and the like, and a user provides background services for the cash collecting terminal, such as a server for managing commodity information of the supermarket, summarizing the total amount of cash collected by the supermarket and the like.
The tool kit development platform refers to a service background or a cloud platform which belongs to the same development subject or the same service subject as the tool kit, and can also be a service background or a cloud platform which provides authorization for a tool kit downloading client. The development agent or service agent may be the same company or department, etc.
In order to manage different merchants, the toolkit development platform generally takes the merchant as a unit for toolkit authorization. The method comprises the steps that a merchant can be provided with a plurality of payment terminals, the plurality of payment terminals of the same merchant use the same merchant server to obtain a toolkit of a first authorization certificate so as to conveniently manage the authorization of the toolkit according to the merchant, therefore, the merchant server sends a certificate obtaining request to a toolkit development platform, and the toolkit use certificate sent by a subsequent toolkit development platform is substantially the certificate authorized for the merchant by the toolkit development platform.
Step S103: if a tool kit use certificate sent by a tool kit development platform is received, acquiring an image acquired by an image acquisition device through the tool kit, wherein the tool kit use certificate indicates that the tool kit obtains use authorization;
it is worth to be noted that the image acquisition device is a device which is arranged at a cash collection terminal and used for acquiring face images, and in order to meet the requirements of different face-brushing payment algorithms, the image acquisition device generally adopts a 3D structure optical camera which can acquire 3 images of RGB (red, green and blue), depth images and infrared images; most face brushing payment basically adopts the 3 images for living body identification; meanwhile, the face recognition algorithm of each family is also in accordance with the standard when the face recognition algorithm is subjected to the Unionpay quality inspection. Through the test discovery, can satisfy the demand that the polymerization brushed face payment effectively through the image of chooseing for use 3D structure light camera to gather, avoid purchasing many money cameras, reduce equipment cost.
Step S104: processing the image through a face recognition program of a target face brushing payment mode packaged by a tool kit, and sending the image processing result to a server of the target face brushing payment mode;
the server of the target face-brushing payment mode is a server for providing face recognition and account collection and payment management for the target face-brushing payment mode. For example, the plurality of face-brushing payment methods supported by the toolkit include a face-brushing payment method a, a face-brushing payment method B, a face-brushing payment method C, and a face-brushing payment method D, where a server serving the face-brushing payment method a is a, a server serving the face-brushing payment method B is B, a server serving the face-brushing payment method C is C, and a server serving the face-brushing payment method D is D, if the target face-brushing payment method is a, the server is a, and if the target face-brushing payment method is B, the server is B.
The processing of the image by the face recognition program of the target face brushing payment method packaged by the tool kit may be extracting features required by subsequent face recognition by the face recognition program of the target face brushing payment method packaged by the tool kit, and the corresponding processing result is the features extracted from the image. In addition, the face recognition program of the target face brushing payment mode packaged by the tool kit can also recognize the definition, integrity and the like of the face image, so that the success rate and the efficiency of the server of the target face brushing payment mode in the subsequent face recognition process are effectively improved.
Step S105: and if the payment information sent by the server of the target face-brushing payment mode is received, performing payment processing based on the payment information.
And carrying out face matching or comparison on the received processing result at the server of the target face brushing payment mode, and if the matching is successful, sending payment information to the cash receiving terminal.
The payment information may be a payment certificate, or prompt information for inputting a digital password.
The instrument package uses the voucher and the payment voucher to distinguish the source difference of the payment voucher, and is not limited to the number or sequence of the payment voucher.
In addition, the payment method is generally completed through a payment terminal used by a merchant for payment.
In the embodiment shown in fig. 1, because the tool pack is a program that encapsulates a human face with multiple face-brushing payment methods, the terminal obtains a kit use certificate for the tool pack to ensure the validity of the tool pack, and in the case that the tool pack is legal, the human face recognition program of the target face-brushing payment method encapsulated by the tool pack processes the obtained image for subsequent human face payment. Therefore, the scheme provided by the invention can aggregate different face brushing payment modes, and the aggregated different face brushing payment modes have the same image basis, so that the user does not need to adjust the face brushing angle according to different face brushing payment modes, and the user experience can be improved.
In addition, by the payment method, the servers of all face brushing payment modes can be butted through the tool kit, the corresponding money collection terminals or the corresponding image acquisition devices do not need to be arranged independently for all face brushing payments, the face brushing payment servers corresponding to the individual butt joint of the money collection terminals or the image acquisition devices are avoided, the butt joint efficiency is greatly improved, and the research and development butt joint cost is reduced.
In the embodiment of the invention, because different face-brushing payment modes have certain difference, in order to meet the requirements of different face-brushing payment modes and simultaneously carry out differential prompt or display aiming at different face-brushing payment modes, different payment processing is required aiming at different face-brushing payment modes. That is, the embodiment of step S105 described above differs for different face payment methods.
Specifically, in order to meet special requirements of a payment mode combining facial recognition and a payment password, such as a unionpay payment mode and the like, for the case that the target face-brushing payment mode is a payment mode combining facial recognition and a payment password, the payment information sent by the server of the target face-brushing payment mode includes prompt information for inputting the payment password by the user; accordingly, as shown in fig. 2, a specific embodiment of step S105 may include the following steps:
step S201: acquiring a payment password input by a user, sending the payment password to a server of a target face-brushing payment mode, so that the server of the target face-brushing payment mode verifies the payment password, and generating a payment result based on a verification result;
step S202: and receiving a payment result sent by the server of the target face brushing payment mode.
The payment result is information indicating success of payment or failure of payment.
Can satisfy the union pay demand of brushing face through above-mentioned process.
In addition, for the case that the target face-brushing payment mode is payment based on facial recognition, for example, payment based on facial recognition can be realized only through facial recognition provided by an online financial platform. Specifically, the payment information sent by the server of the target face-brushing payment mode comprises a payment certificate; accordingly, a specific embodiment of step S105 may include: and sending the payment certificate to a collection server through the payment interface so that the collection server performs collection operation based on the payment certificate. At present, payment based on facial recognition generally does not need a digital password, and payment can be completed directly through a payment certificate. The payment certificate is a certificate for settlement between a collection server and a bank platform or a server of a target face brushing payment mode.
In the embodiment of the invention, in order to display information in a differentiated manner and facilitate a user to know the payment condition in time, two implementation modes can be provided for processing the payment result.
A first implementation for the processing of payment results: and after receiving the payment information sent by the server of the target face-brushing payment mode, closing a page related to payment. In particular, the first implementation manner can be applied to the same development subject as the server of the target face brushing payment manner in the tool kit development platform. The fact that the tool kit development platform and the server of the target face brushing payment mode belong to the same development subject generally means that the tool kit development platform and the server of the target face brushing payment mode are located in the same framework or the same server. Because the tool kit development platform and the server of the target face-brushing payment mode belong to the same development main body, tests show that the tool kit development platform and the merchant server can normally interact in the process of obtaining the tool kit use certificate in front, and the server of the target face-brushing payment mode can generally and quickly interact with the merchant server, so that payment can be quickly completed, and a payment page can be directly closed to remind a user of completing payment.
In the embodiment of the present invention, for the second implementation manner of the processing of the payment result: and after receiving the payment information sent by the server of the target face-brushing payment mode, providing a page indicating the payment loading state. In particular, the second implementation manner of the payment result processing is mainly directed to the case that the toolkit development platform and the server of the target face brushing payment method do not belong to the same development subject. Because the tool kit development platform and the server of the target face-brushing payment mode do not belong to the same development subject, a certain time is required for interaction between the merchant server and the server of the target face-brushing payment mode, and the payment process can be reminded by adjusting the page in the loading state to a payment completion page and reminding a user of the payment process after settlement is completed between the merchant server and the server of the target face-brushing payment mode based on the payment certificate through the page display connection process indicating the payment loading state.
In the embodiment of the invention, if the result of the payment processing indicates that the payment is successful, the page indicating the payment loading state is closed, and the resource is released. The resources generally refer to running resources such as a CPU (central processing unit), a memory and the like of the cash receiving terminal, and smooth running of the cash receiving terminal can be effectively ensured by releasing the resources so as to ensure the efficiency of follow-up face brushing payment.
As shown in fig. 3, an embodiment of the present invention provides a receiving terminal 300, where the receiving terminal 300 may include: an initialization module 301, an interaction module 302, and a payment processing module 303, wherein,
the initialization module 301 initializes a toolkit in response to a trigger for a target face brushing payment mode of the multiple face brushing payment modes, wherein the toolkit is packaged with face recognition programs of the multiple face brushing payment modes;
the interaction module 302 is used for sending a certificate acquisition request to the toolkit development platform through the merchant server;
the payment processing module 303 is configured to, if the interaction module 302 receives a toolkit use certificate sent by the toolkit development platform, acquire an image acquired by the image acquisition device through the toolkit, where the toolkit use certificate indicates that the toolkit obtains use authorization; processing the image through a face recognition program of a target face brushing payment mode packaged by a tool kit, and sending the image processing result to a server of the target face brushing payment mode; and if the payment information sent by the server of the target face-brushing payment mode is received, performing payment processing based on the payment information.
In the embodiment of the invention, aiming at the condition that the target face-brushing payment mode is the mode of payment by combining facial recognition with a payment password, after the result of image processing indicates that the image verification is passed, the payment information sent by the server of the target face-brushing payment mode comprises prompt information of the payment password to be input by a user; correspondingly, the payment processing module 303 is further configured to obtain a payment password input by the user, and send the payment password to the server of the target face-brushing payment method, so that the server of the target face-brushing payment method verifies the payment password, and generates a payment result based on the verification result; and receiving a payment result sent by the server of the target face brushing payment mode.
In the embodiment of the invention, aiming at the condition that the target face-brushing payment mode is based on face recognition for payment, the payment information sent by the server of the target face-brushing payment mode comprises a payment certificate; accordingly, the payment processing module 303 is further configured to send the payment credential to the payment server through the payment interface, so that the payment server performs a payment receiving operation based on the payment credential.
In this embodiment of the present invention, the payment processing module 303 is further configured to close a page related to payment after receiving the payment information sent by the server of the target face-brushing payment method.
In this embodiment of the present invention, the payment processing module 303 is further configured to provide a page indicating a payment loading status after receiving the payment information sent by the server of the target face-brushing payment method.
In this embodiment of the present invention, the payment processing module 303 is further configured to close the page indicating the payment loading status and release the resource if the result of the payment processing indicates that the payment is successful.
As shown in fig. 4, an embodiment of the present invention provides a system 400 for payment. The system 400 for payment may include: a cash receiving terminal 300, a merchant server 401, a tool kit development platform 402 and a server 403 corresponding to various face-brushing payment modes, wherein,
the payment receiving terminal 300 is configured to receive a trigger for a target face brushing payment mode of a plurality of face brushing payment modes, and initialize a tool kit, where the tool kit is packaged with face recognition programs of the plurality of face brushing payment modes;
the merchant server 401 is configured to receive an instruction of the cash receiving terminal 300, and send a certificate acquisition request to the toolkit development platform 402; if the tool kit use certificate sent by the tool kit development platform 402 is received, sending the tool kit use certificate to the collection terminal 300;
the cashier terminal 300 is further configured to obtain the image collected by the image collecting device through a tool kit, wherein the tool kit indicates that the tool kit obtains use authorization by using a certificate, process the image through a face recognition program of a target face brushing payment mode packaged by the tool kit, and send a result of the image processing to a server 403 of the target face brushing payment mode;
a server 403 of a target face-brushing payment mode, configured to perform face recognition on a result of the processing, and if the recognition result indicates success, generate payment information to the payee terminal 300;
the payee terminal 300 is further configured to perform payment processing based on the payment information if the payment information sent by the server 403 of the target face-brushing payment method is received.
In order to clearly illustrate the payment method, the present invention respectively uses the interaction process diagram of the system for payment in the case of selecting facial recognition combined with payment password, such as unionpay payment, as shown in fig. 5; fig. 6 is a schematic diagram of an interaction process of a system for payment in case of a first payment method for payment based on facial recognition (the first payment method may be that a server and a tool kit development platform belong to the same development subject); fig. 7 is a schematic diagram illustrating an interaction process of the system for payment in a case of a second payment method for payment based on facial recognition (the second payment method may be that the server and the toolkit development platform do not belong to the same development subject).
As shown in fig. 5, for a case of selecting a first payment method, such as union pay, in which face recognition is combined with a payment password to pay, from a plurality of payment methods, the method for aggregating payments may include the following steps:
step S501: the collection terminal provides a plurality of face-brushing payment modes for the user to select;
step S502: the method comprises the steps that a payment terminal receives selection of a payment mode of a user aiming at face identification and a payment password in a plurality of face brushing payment modes, and initializes a tool kit;
wherein, the tool package is provided with a face recognition program with various face brushing payment modes.
Step S503: the collection terminal starts an image acquisition device to acquire a face image;
step S504: the method comprises the steps that a payment terminal sends a certificate acquisition request to a merchant server, and the merchant server sends the certificate acquisition request to a toolkit development platform;
wherein, there is no strict sequence between step S503 and step S504.
Step S505: the merchant server receives the tool kit use certificate sent by the tool kit development platform and sends the tool kit use certificate to the money collection terminal;
wherein the toolkit usage credential indicates that the toolkit is authorized for use.
Step S506: the collection terminal acquires the image acquired by the image acquisition equipment through a tool kit;
step S507: the collection terminal extracts the characteristics of the image and performs living body recognition on the image through a face recognition program which is packaged by a tool kit and serves a payment mode combining face recognition and a payment password;
step S508: the collection terminal sends the extracted features to a server for serving a payment mode combining facial recognition and a payment password;
step S509: the server is used for carrying out face recognition and feature matching on the features of the payment mode combining the service face recognition with the payment password; if the recognition result indicates that the face matching is successful, executing step S510; if the recognition result indicates that the face matching fails, step S515 is performed;
step S510: the server for the payment mode combining the service face identification with the payment password sends prompt information of the payment password to the collection terminal;
step S511: the method comprises the steps that a payment password input by a user is received by a collection terminal;
step S512: the payment terminal sends the payment password to a server for serving a payment mode combining facial recognition and the payment password;
step S513: the server for the payment mode combining the service face identification and the payment password confirms that the payment password is correct and determines that the payment is successful;
it should be noted that the successful payment refers to a successful deduction from the account of the user, and the subsequent interaction with the server of the merchant account can be performed through the server for the payment mode combining the service face identification and the payment password to complete the account division to the merchant account, and the background account division process can be realized through the prior art, and is not described herein again.
Step S514: the server for the payment mode combining the service facial recognition and the payment password sends the successful payment information to the cash collection terminal and ends the current process;
step S515: and the server for the payment mode combining the service facial recognition and the payment password sends the information of payment failure to the collection terminal.
The interaction among the server for the payment mode combining the service face identification and the payment password, the money receiving terminal and the merchant server can be realized through the set interface calling.
As shown in fig. 6, for a case where a first payment method for making payment based on facial recognition is selected from a plurality of payment methods (for example, a server of the first payment method and a tool kit development platform belong to the same development subject), the method for aggregating payments may include the following steps:
step S601: the collection terminal provides a plurality of face-brushing payment modes for the user to select;
step S602: the method comprises the steps that a payee terminal receives selection of a first payment mode in multiple face brushing payment modes of a user and initializes a tool kit;
wherein, the tool package is provided with a face recognition program with various face brushing payment modes.
Step S603: the collection terminal starts an image acquisition device to acquire a face image;
step S604: the method comprises the steps that a payment terminal sends a certificate acquisition request to a merchant server, and the merchant server sends the certificate acquisition request to a toolkit development platform;
wherein, there is no strict sequence between step S603 and step S604.
Step S605: the merchant server receives the tool kit use certificate sent by the tool kit development platform and sends the tool kit use certificate to the money collection terminal;
wherein the toolkit usage credential indicates that the toolkit obtains the usage authorization.
Step S606: the collection terminal acquires an image acquired by the image acquisition equipment through a tool kit;
step S607: the collection terminal extracts the characteristics of the image and performs living body recognition on the image through a face recognition program of a first payment mode packaged by a tool kit;
step S608: the collection terminal sends the extracted features to a server for a first payment mode;
the server of the first payment method may be the above-mentioned tool development platform.
Step S609: the server used for serving the first payment mode carries out face recognition and feature matching on the features; if the recognition result indicates that the face matching is successful, executing step S610; if the recognition result indicates that the face matching fails, executing step S614;
step S610: the server for serving the first payment mode sends a payment certificate to the collection terminal;
the payment voucher means that the payment is successfully deducted from the account of the user, and the corresponding money is added to the merchant through the payment voucher.
Step S611: the payment terminal closes the payment page and releases resources;
step S612: the payment terminal sends the payment certificate to the merchant server;
step S613: the merchant server carries out payment interaction with a server for serving the first payment mode through the payment certificate and finishes the current process;
it should be noted that the merchant server performs payment interaction with the server for serving the first payment method through the payment credential to complete the billing to the merchant account, and the background billing process can be implemented by the prior art, which is not described herein again.
Step S614: and the server for serving the first payment mode sends the information of payment failure to the collection terminal.
The interaction among the server for the first payment mode, the money receiving terminal and the merchant server can be realized by calling through a set interface.
As shown in fig. 7, for a case where a second payment method for making payment based on facial recognition is selected from a plurality of payment methods (for example, a server of the second payment method and a tool kit development platform do not belong to the same development subject), the method for aggregating payments may include the following steps:
step S701: the collection terminal provides a plurality of face-brushing payment modes for the user to select;
step S702: the method comprises the steps that a payee terminal receives selection of a user for a second payment mode in multiple face brushing payment modes and initializes a tool kit;
wherein, the tool package is provided with a face recognition program with various face brushing payment modes.
Step S703: the collection terminal starts an image acquisition device to acquire a face image;
step S704: the method comprises the steps that a payment terminal sends a certificate acquisition request to a merchant server, and the merchant server sends the certificate acquisition request to a toolkit development platform;
there is no strict sequence between step S703 and step S704.
Step S705: the merchant server receives the tool kit use certificate sent by the tool kit development platform and sends the tool kit use certificate to the money collection terminal;
wherein the toolkit usage credential indicates that the toolkit is authorized for use.
Step S706: the collection terminal acquires the image acquired by the image acquisition equipment through a tool kit;
step S707: the collection terminal extracts the characteristics of the image and performs living body recognition on the image through a face recognition program of a second payment mode packaged by the tool kit;
step S708: the collection terminal sends the extracted features to a server for a second payment mode;
step S709: the payment receiving terminal provides a page indicating the payment loading state;
step S710: the server used for serving the second payment mode carries out face recognition and feature matching on the features; if the recognition result indicates that the face matching is successful, executing step S711; if the recognition result indicates that the face matching fails, performing step S715;
step S711: the server for serving the second payment mode sends the payment certificate to the collection terminal;
the payment voucher means that the payment is successfully deducted from the account of the user, and the corresponding money is added to the merchant through the payment voucher.
Step S712: the payment terminal sends the payment voucher to a merchant server;
step S713: the merchant server performs payment interaction with a server for serving a second payment mode through the payment certificate;
it should be noted that the merchant server performs payment interaction with the server for serving the first payment method through the payment credential to complete the billing to the merchant account, and the background billing process can be implemented by the prior art, which is not described herein again.
Step S714: the payment terminal closes the payment page, releases resources and ends the current flow;
step S715: and the server for serving the second payment mode sends the information of payment failure to the collection terminal.
The interaction among the server for the second payment mode, the money receiving terminal and the merchant server can be realized by calling through a set interface.
It should be noted that the collection terminal may set the aggregate payment interface, and call the corresponding server through the aggregate payment interface according to different payment methods.
The first payment method and the second payment method are only for distinguishing whether the server of the payment method and the tool kit development platform belong to the same development subject, and are not limited in the order or number of the payment methods. The number of the second payment methods can also be multiple. For example, if the server a of the payment method a and the tool kit development platform belong to the same development subject, the payment method a is the first payment method; the server B of the payment method B, the server C of the payment method C, the server D of the payment method D and the tool kit development platform all belong to the same development subject, and then the payment methods B, C, D are all the second payment methods.
That is, one payee terminal may implement the face brushing payment steps shown in fig. 5, 6, and 7, and implement aggregation of different face brushing payment manners.
Fig. 8 illustrates an exemplary system architecture 800 of a payment method or payment receiving terminal to which embodiments of the invention may be applied.
As shown in fig. 8, the system architecture 800 may include a payment receiving terminal 801, 802, a network 803, a merchant server 804, a toolkit development platform 805, and a server 806 corresponding to a plurality of face brushing payment methods. Network 803 is used to provide a medium for communication links between checkout terminals 801, 802 and merchant server 804, merchant server 804 and toolkit development platform 805, and checkout terminals 801, 802 and servers 806 for a variety of face-brushing payment methods. Network 803 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.
The merchant may interact with the toolkit development platform 805 through the network 803 and the merchant server 804 using the checkout terminals 801, 802 to receive toolkit usage credentials and the like sent by the toolkit development platform 805 indicating toolkit authorization. Various payment collection software, face image acquisition devices such as cameras, tool kits SDK packaged with face recognition programs of various face brushing payment modes, and the like (only examples) can be installed on the collection terminals 801 and 802.
The checkout devices 801, 802 may be various electronic devices having display screens and supporting web browsing, including but not limited to smart phones, tablet computers, cash register devices, desktop computers, and the like.
The collection devices 801 and 802 may run a face-refreshing aggregation software, and the face-refreshing aggregation software calls cameras on the collection devices 801 and 802 to collect the head images of the payers.
The merchant server 804 may be a server that provides various services, such as a background management server (for example only) that supports the collection of items purchased by the user using the collection devices 801 and 802. The backend management server may analyze and process the received data of the goods purchased by the user, and feed back the processing result (e.g., inventory verification, amount of the goods, just an example) to the collection devices 801 and 802.
The tool development platform 805 may be a server that provides various services, such as providing the checkout terminals 801, 802 with the kit SDK and authorization credentials for the kit SDK via the merchant server 804 (by way of example only).
The server 806 for each payment method may be a server providing payment services, such as a background management server (for example only) providing support for face-brushing payments requested by merchants using the checkout terminals 801, 802. The background management server may analyze and otherwise process the received data such as the image for payment and the payment amount, and feed back a processing result (for example, payment success, payment failure-just an example) to the payment receiving terminal.
It should be noted that the payment method provided by the embodiment of the present invention is generally executed by the cash receiving terminals 801 and 802.
It should be understood that the number of checkout terminals, networks, merchant servers, toolkit development platforms, and servers for face-brushing payment approaches in fig. 8 are merely illustrative. Any number of payment receiving terminals, networks, merchant servers, tool kit development platforms and servers for face-brushing payment modes can be provided according to implementation requirements.
Referring now to FIG. 9, shown is a block diagram of a computer system 900 suitable for use with a terminal device implementing an embodiment of the present invention. The cash register terminal shown in fig. 9 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiment of the present invention.
As shown in fig. 9, the computer system 900 includes a Central Processing Unit (CPU)901 that can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)902 or a program loaded from a storage section 908 into a Random Access Memory (RAM) 903. In the RAM 903, various programs and data necessary for the operation of the system 900 are also stored. The CPU 901, ROM 902, and RAM 903 are connected to each other via a bus 904. An input/output (I/O) interface 905 is also connected to bus 904.
The following components are connected to the I/O interface 905: an input portion 906 including a keyboard, a mouse, and the like; an output section 907 including components such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 908 including a hard disk and the like; and a communication section 909 including a network interface card such as a LAN card, a modem, or the like. The communication section 909 performs communication processing via a network such as the internet. The drive 910 is also connected to the I/O interface 905 as necessary. A removable medium 911 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 910 as necessary, so that a computer program read out therefrom is mounted into the storage section 908 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 909, and/or installed from the removable medium 911. The above-described functions defined in the system of the present invention are executed when the computer program is executed by a Central Processing Unit (CPU) 901.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer 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 of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, 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. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes an initialization module, an interaction module, and a payment processing module. The names of these modules do not form a limitation on the module itself in some cases, for example, the interactive module may also be described as a module that sends a credential obtaining request to the toolkit development platform through the merchant server.
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise: initializing a tool pack in response to triggering aiming at a target face brushing payment mode in a plurality of face brushing payment modes, wherein the tool pack is provided with a face recognition program of the plurality of face brushing payment modes; sending a certificate acquisition request to a tool kit development platform through a merchant server; if a tool kit use certificate sent by a tool kit development platform is received, acquiring an image acquired by an image acquisition device through the tool kit, wherein the tool kit use certificate indicates that the tool kit obtains use authorization; processing the image through a human face recognition program of a target face brushing payment mode packaged by a tool kit, and sending the image processing result to a server of the target face brushing payment mode; and if the payment information sent by the server of the target face-brushing payment mode is received, performing payment processing based on the payment information.
According to the technical scheme of the embodiment of the invention, because the tool package is provided with the face with various face brushing payment modes as a program, the terminal acquires the use certificate of the tool package for the tool package to ensure the legality of the tool package, and under the condition that the tool package is legal, the face recognition program of the target face brushing payment mode packaged by the tool package processes the acquired image for subsequent face payment. Therefore, the scheme provided by the invention can aggregate different face brushing payment modes, and the aggregated different face brushing payment modes have the same image basis, so that the user does not need to adjust the face brushing angle according to different face brushing payment modes, and the user experience can be improved.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A method of payment, comprising:
initializing a tool pack in response to a trigger aiming at a target face brushing payment mode in a plurality of face brushing payment modes, wherein the tool pack is provided with a face recognition program of the plurality of face brushing payment modes;
sending a certificate acquisition request to a tool kit development platform through a merchant server;
if a tool kit use certificate sent by the tool kit development platform is received, acquiring an image acquired by an image acquisition device through the tool kit, wherein the tool kit use certificate indicates that the tool kit obtains use authorization;
processing the image through a face recognition program of the target face brushing payment mode packaged by the tool kit, and sending the image processing result to a server of the target face brushing payment mode;
and if the payment information sent by the server of the target face-brushing payment mode is received, carrying out payment processing based on the payment information.
2. The method of claim 1,
aiming at the condition that the target face brushing payment mode is the payment by combining facial recognition and a payment password,
after the image processing result indicates that the image verification is passed, the payment information sent by the server of the target face-brushing payment mode comprises prompt information of a payment password to be input by a user;
the performing payment processing based on the payment information includes: acquiring a payment password input by a user, sending the payment password to a server of the target face-brushing payment mode, so that the server of the target face-brushing payment mode verifies the payment password, and generating a payment result based on a verification result;
and receiving the payment result sent by the server of the target face brushing payment mode.
3. The method of claim 1,
for the target face-brushing payment mode is payment based on facial recognition,
after the image processing result indicates that the image verification is passed, the payment information sent by the server of the target face-brushing payment mode comprises a payment certificate;
the performing payment processing based on the payment information comprises: and sending the payment certificate to a collection server through a payment interface so as to enable the collection server to carry out collection operation based on the payment certificate.
4. The method of claim 1,
after receiving the payment information sent by the server of the target face brushing payment mode, the method further comprises the following steps: closing a page associated with the payment to determine that the payment was successful.
5. The method of claim 1,
after receiving the payment information sent by the server of the target face-brushing payment mode, the method further comprises the following steps: a page is provided indicating the status of the payment loading.
6. The method of claim 5, further comprising:
and if the payment processing result indicates that the payment is successful, closing the page indicating the payment loading state and releasing the resources.
7. A checkout terminal, comprising: an initialization module, an interaction module, and a payment processing module, wherein,
the initialization module is used for initializing a tool kit in response to triggering of a target face brushing payment mode in a plurality of face brushing payment modes, wherein the tool kit is packaged with a face recognition program of the plurality of face brushing payment modes;
the interaction module is used for sending a certificate acquisition request to the tool kit development platform through the merchant server;
the payment processing module is used for acquiring the image acquired by the image acquisition device through the tool kit if the interaction module receives a tool kit use certificate sent by the tool kit development platform, wherein the tool kit use certificate indicates that the tool kit obtains use authorization; processing the image through a human face recognition program of the target face brushing payment mode packaged by the tool kit, and sending the image processing result to a server of the target face brushing payment mode; and if the payment information sent by the server of the target face-brushing payment mode is received, carrying out payment processing based on the payment information.
8. A system for payment, comprising: a cash collecting terminal, a merchant server, a tool kit development platform and a server corresponding to a plurality of face brushing payment modes,
the payment receiving terminal is used for receiving trigger aiming at a target face brushing payment mode in a plurality of face brushing payment modes and initializing a tool pack, wherein the tool pack is provided with a face recognition program of the plurality of face brushing payment modes;
the merchant server is used for receiving the instruction of the cash receiving terminal and sending a certificate acquisition request to the tool kit development platform; if a tool kit use certificate sent by the tool kit development platform is received, sending the tool kit use certificate to the collection terminal;
the payment receiving terminal is further used for acquiring an image acquired by the image acquisition device through the tool kit, wherein the tool kit usage certificate indicates that the tool kit obtains usage authorization, the image is processed through a face recognition program of the target face brushing payment mode packaged by the tool kit, and the image processing result is sent to a server of the target face brushing payment mode;
the server of the target face-brushing payment mode is used for carrying out face recognition on a processed result, and generating payment information to the cash receiving terminal if the recognition result indicates success;
and the cash receiving terminal is further used for carrying out payment processing based on the payment information if the payment information sent by the server of the target face brushing payment mode is received.
9. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method recited in any of claims 1-6.
10. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-6.
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