CN107665434B

CN107665434B - Payment method and mobile terminal

Info

Publication number: CN107665434B
Application number: CN201710844680.9A
Authority: CN
Inventors: 向永航
Original assignee: Vivo Mobile Communication Co Ltd
Current assignee: Vivo Mobile Communication Co Ltd
Priority date: 2017-09-15
Filing date: 2017-09-15
Publication date: 2020-09-25
Anticipated expiration: 2037-09-15
Also published as: CN107665434A

Abstract

The invention provides a payment method and a mobile terminal, and relates to the technical field of communication. The method comprises the following steps: when a payment triggering instruction input by a user is received, starting a camera of the mobile terminal; the camera comprises a front camera and/or a rear camera; detecting whether a preview image of the camera contains a target face; and if the preview image contains the target face, executing payment operation according to the payment information corresponding to the target face. According to the method and the device, the payment operation can be executed according to the detected payment information corresponding to the target face, the operation is simple and convenient, the consumed time is less, and the intelligent degree and the user experience of the mobile terminal are improved.

Description

Payment method and mobile terminal

Technical Field

The invention relates to the technical field of communication, in particular to a payment method and a mobile terminal.

Background

With the increasing popularization of mobile terminals such as smart phones, the functions of the mobile terminals are also increasingly powerful. For example, more and more users use mobile terminals for payment.

The existing mobile terminal mainly has payment methods such as pay code payment, scanning payment and NFC (Near field communication). However, the existing payment mode is still relatively complicated to operate, and the payment experience of the user is easily reduced. For example, scanning payment is performed, the mobile terminal needs to be unlocked first, then the payment application is started, then the mobile terminal is switched to a graphic code scanning interface of the payment application, and finally payment is completed. This requires multiple operations by the user, which is cumbersome and time consuming.

Therefore, after entering the payment interface of one of the payment applications, if the merchant is found not to support the payment application, the payment interface of the payment application supported by the merchant needs to be opened again to complete the payment, and thus the operation and switching are tedious and time-consuming.

Disclosure of Invention

In order to solve the problems that the operation and switching of the conventional payment method are relatively complicated and time-consuming, the embodiment of the invention provides a payment method and a mobile terminal.

In order to solve the technical problem, the invention is realized as follows: a payment method, comprising:

when a payment triggering instruction input by a user is received, starting a camera of the mobile terminal; the camera comprises a front camera and/or a rear camera;

detecting whether a preview image of the camera contains a target face;

and if the preview image contains the target face, executing payment operation according to the payment information corresponding to the target face.

An embodiment of the present invention further provides a mobile terminal, including:

the camera starting module is used for starting a camera of the mobile terminal when a payment triggering instruction input by a user is received; the camera comprises a front camera and/or a rear camera;

the target face detection module is used for detecting whether the preview image of the camera contains a target face;

and the payment module is used for executing payment operation according to payment information corresponding to the target face if the preview image contains the target face.

An embodiment of the present invention further provides a mobile terminal, including: a memory, a processor and a computer program stored on the memory and executable on the processor, which computer program, when executed by the processor, carries out the steps of the payment method as described above.

Embodiments of the present invention additionally provide a computer-readable storage medium having stored thereon a computer program, which when executed by a processor, implements the steps of the payment method as described above.

According to the embodiment of the invention, the payment operation is executed according to the payment information corresponding to the detected target face, the operation is simple and convenient, the consumed time is less, and the intelligent degree and the user experience of the mobile terminal are improved.

The foregoing description is only an overview of the technical solutions of the present invention, and the embodiments of the present invention are described below in order to make the technical means of the present invention more clearly understood and to make the above and other objects, features, and advantages of the present invention more clearly understandable.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings used in the description of the embodiments of the present invention will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained based on these drawings without inventive labor.

FIG. 1 is a flow chart illustrating the steps of a payment method according to a first embodiment of the present invention;

FIG. 2 is a flowchart illustrating steps of a payment method according to a second embodiment of the present invention;

fig. 3 is a schematic structural diagram of a mobile terminal according to a third embodiment of the present invention;

fig. 4 is a schematic structural diagram of a mobile terminal in a fourth embodiment of the present invention;

fig. 5 is a block diagram of a mobile terminal according to a fifth embodiment of the present invention;

fig. 6 is a schematic structural diagram of a mobile terminal in a sixth embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

In the embodiment of the present invention, the mobile terminal includes, but is not limited to, a mobile terminal such as a mobile phone, a tablet computer, a notebook computer, a palm computer, a navigation device, a wearable device, a smart band, a pedometer, and the like.

Example one

A payment method provided by an embodiment of the present invention is described in detail.

Referring to fig. 1, a flow chart of steps of a payment method in an embodiment of the invention is shown.

Step 110, when a payment triggering instruction input by a user is received, starting a camera of the mobile terminal; the camera comprises a front camera and/or a rear camera.

In the embodiment of the application, in order to search the target human face by using the camera of the mobile terminal in time, the camera of the mobile terminal needs to be started in time. However, in practical applications, if the camera of the mobile terminal is kept in the activated state all the time, the power of the mobile terminal is wasted. Therefore, in the embodiment of the application, the camera of the mobile terminal can be started when the payment triggering instruction input by the user is received; the camera may include, but is not limited to, a front camera and/or a rear camera, and/or a camera connected to the mobile terminal through an external connection.

The user may input the payment triggering instruction through a preset mode, and the preset mode may be set before the step or before any step before the step according to a requirement, which is not limited in the embodiment of the present application. However, it is required to ensure that the preset mode is different from the existing trigger mode of the mobile terminal, so as to avoid that the mobile terminal mistakenly identifies the payment trigger instruction as other trigger instructions.

And step 120, detecting whether the preview image of the camera contains a target face.

In order to accurately start the payment mode supported by the current consumer merchant, whether the preview image of the camera contains the target face or not can be detected. Specifically, the face patterns included in the preview image of the camera may be obtained based on a face recognition technology, and then it is determined whether each face pattern corresponds to a target face. The target face may be pre-stored image information including face patterns of a boss or a clerk of each merchant.

And step 130, if the preview image contains a target face, executing payment operation according to payment information corresponding to the target face.

If the current preview image of the camera of the mobile terminal contains the target face, the fact that the user has consumed and paid at the current merchant before is shown, and image information including face patterns of merchants or clerks and the like of the current merchant is recorded, at this time, payment operation can be executed directly according to payment information corresponding to the target face. The payment information may include pre-recorded information required for making a payment corresponding to the target face, for example, a payment method, payee information corresponding to the payment method, and the like. Then, at this time, a payment mode corresponding to the target face included in the preview image may be started, and the payee information is acquired at the same time to perform the payment operation.

In practical application, when a user performs payment operation in a merchant, the user may have a boss of the merchant or a clerk around the user, and therefore in the embodiment of the application, a corresponding relationship may be established between payment information of the merchant and a target face corresponding to the merchant, and if the target face is detected by using a camera of a mobile terminal, it indicates that the user is in the merchant where the target face is located, and at this time, the user may directly and automatically perform payment operation according to the payment information corresponding to the target face, that is, the payment information of the merchant, without manually obtaining the payment information by the user.

Therefore, in the embodiment of the application, the camera can be started during payment, the face pattern in the surrounding environment is recognized based on the face recognition technology, the recognized face pattern is used as the target face to be recorded, and meanwhile, the payment information corresponding to the target face can be recorded. Then, when a payment triggering instruction is subsequently received, if the target face is detected, the payment operation can be directly executed according to the payment information corresponding to the target face.

Example two

Referring to fig. 2, a flow chart of steps of a payment method in an embodiment of the invention is shown.

Step 210, when a payment triggering instruction input by a user is received, starting a camera of the mobile terminal; the camera comprises a front camera and/or a rear camera.

Step 220, confirming and recording a target face and payment information corresponding to the target face according to the historical payment operation of the user; the payment information includes payment means and/or payee information.

In the embodiment of the application, in order to facilitate the execution of the payment operation according to the payment information corresponding to the target face, the target face and the payment information corresponding to the target face need to be confirmed and recorded according to the historical payment operation of the user. Moreover, this step may be executed when the user performs any payment operation, which does not affect the normal payment operation of the user, and the embodiment of the present application is not limited.

Specifically, the camera of the mobile terminal may be started to detect the face pattern in the surrounding environment during each payment operation, and certainly in practical applications, when the user performs the payment operation, there may be a merchant boss or a clerk around the user, and there may also be other unrelated people such as other consumers, user companions, and the like, but the mobility of the unrelated people is relatively high and there is no relatively fixed corresponding relationship with the merchant, so that there is no corresponding relationship between the payment information of the merchant and the unrelated people. In order to ensure the accuracy of the recorded target face and the payment information, preset conditions that the target face needs to meet can be set according to requirements, for example, a first preset number of times that the target face needs to be detected by a camera can be set; the target face appears more than a second preset number of times in the same merchant, and appears less than a third preset number of times in other merchants, and so on.

In addition, in the embodiment of the application, the payment information corresponding to the target face can be recorded. The payment information may include, but is not limited to, payment means and/or payee information, etc. As described above, in practical applications, as payment applications become popular, more and more payment applications are available, and different payment applications may include multiple payment methods, such as active code scanning payment for performing payment by actively scanning a two-dimensional code or a barcode of an opposite party, passive code scanning payment for performing payment by providing a two-dimensional code or a barcode to the opposite party, and the like, and an NFC payment method, and the like. In practical applications, when a user performs a payment operation, a payment method under a certain payment application is utilized, and thus, the payment method included in the payment information in the embodiment of the present application may be embodied as a payment method under any payment application, for example, an active code scanning payment method under a first payment application, a passive code scanning payment method under the first payment application, an NFC payment method under the first payment application, and the like.

As described above, during payment operation, for the payment mode that requires active scanning of the two-dimensional code or barcode of the other party, the information of the payee such as the two-dimensional code or barcode of the other party can be recorded, so that when the payment operation is performed next time for the same merchant, the scanning operation can be completed on the mobile terminal side according to the recorded two-dimensional code or barcode of the merchant, and the merchant does not need to repeatedly provide the two-dimensional code or barcode, thereby effectively improving the payment efficiency; for a payment mode that a two-dimensional code or a bar code needs to be provided for the other party to scan, or for an NFC payment mode, the information of the receiving party, such as an account number of the receiving merchant and the like, can also be recorded, and then, when a payment operation is subsequently performed for the same merchant, the scanning operation can be completed at the mobile terminal side according to the recorded merchant account number. As can be seen from the above analysis, the payee information in the embodiment of the present application may include, but is not limited to, an identification code such as a two-dimensional code and/or a barcode of the payee merchant, an active code-scanning account of the payee merchant, an NFC account of the payee merchant, and the like.

Optionally, in this embodiment of the present application, the step 220 may further include:

and a substep 221, when the user performs a payment operation, acquiring a preview image through a camera, and identifying face information in the preview image.

In order to determine and record the target face, a preview image may be acquired through a camera when the user is performing a payment operation, and face information in the preview image may be recognized. Specifically, the face information in the preview image may be recognized by any available method or device, which is not limited in this embodiment of the present application. And the face information may include, but is not limited to, the number of faces, face patterns, and the like.

Moreover, in the embodiment of the present application, in order to ensure the accuracy of the recognized face information, only the face information whose distance from the mobile terminal user in the preview image of the camera is within the preset threshold range may be recognized, where the distance of each face pattern from the user may be determined according to the size of the face pattern in the preview image and the focal length of the camera. The preset threshold may be set before the step or before any step before the step according to requirements, and the embodiment of the present application is not limited thereto.

In addition, in the embodiment of the present application, the identified face information may be recorded as undetermined face information, and then it is determined whether the recorded undetermined face information is a target face. At this time, in order to avoid repeatedly recording the same face information, after the face information in the preview image is recognized, whether the recognized face information is the recorded face information to be determined can be further judged; and if the identified face information is not the recorded undetermined face information, confirming that the face information is the undetermined face and recording.

When a user acquires face information by using a mobile terminal camera, the same face information may be acquired at different times, but if the same face information acquired at different times is stored, storage space is wasted, and the repeated face information does not have a special role. Specifically, each piece of face information may be matched with the recorded to-be-determined face information, and if the similarity between the face information and the recorded to-be-determined face information reaches a preset similarity threshold, it may be determined that the face information is the recorded to-be-determined face information, where the preset similarity threshold may be set according to a requirement before this step, or before any step before this step, and the embodiment of the present application is not limited.

Of course, in the embodiment of the present application, it may also be determined whether the face pattern information is the recorded pending face information by any other available method, and the embodiment of the present application is not limited thereto.

If the face information is not the recorded undetermined face information, the face information can be confirmed to be the undetermined face information and recorded; and if the face information is the recorded pending face information, the face information can be ignored, and no further operation is required to be executed aiming at the face information.

And a substep 222 of determining whether the face information meets a preset condition.

As described above, in practical applications, the face information collected by the camera does not correspond to people related to the merchant, such as a boss of the merchant or a clerk, and therefore not all the face information obtained by detection belong to the target face. In the embodiment of the present application, a preset condition that a target face needs to satisfy may be preset, and then, for each face information, it needs to be determined whether the preset condition is satisfied. The preset condition may be set before the step or before any step before the step according to requirements, and the embodiment of the present application is not limited thereto. For example, a preset condition may be set that the camera detects more than a first preset number of times; or a second preset number of occurrences at the same merchant, less than a third preset number of occurrences at other merchants, etc. The first preset number, the second preset number and the third preset number may be preset according to requirements, and the embodiment of the present application is not limited.

Optionally, in this embodiment of the present application, the sub-step 222 further includes:

substep 2221, counting the number of times the face information is detected at each merchant.

In practical applications, a relatively obvious difference between a merchant boss or a clerk and a consumer is that the merchant boss or the clerk is relatively fixed, generally fixes a merchant to work at, while the consumer is mobile, which may appear in any merchant, but if the same user consumes many times in the same merchant, the same user may detect face information of the merchant boss or the same clerk by using the camera for many times, but the face information of the same other consumer is detected for many times with little possibility. Therefore, when the number of occurrences of the same face information in the same merchant, that is, the number of times that the same merchant is detected is greater than or equal to the first preset threshold, and the sum of the number of times that the face information is detected in other merchants is lower than the second preset threshold, for example, when the number of times that the face information is detected in the first merchant is greater than or equal to the first preset threshold, and the sum of the number of times that the face information is detected in other merchants except the first merchant is smaller than the second preset threshold, the face information is most likely to be a boss or a waiter of the first merchant, that is, it can be confirmed that the face information satisfies the preset condition.

Therefore, in the embodiment of the present application, the preset condition may be that the number of times that the face information is detected at the first merchant is greater than or equal to a first preset threshold, and the sum of the number of times that the face information is detected at other merchants except the first merchant is less than a second preset threshold. The first merchant may be any merchant, and the embodiment of the present application is not limited thereto. At this time, the situation that irrelevant persons such as user companions, other consumers and the like are confirmed as the target face can be avoided as much as possible. Then, first, the number of times of detecting face information at each merchant needs to be counted based on the face detection record of the current user. If the mobile terminal only utilizes the camera to detect the face when the user performs the payment operation each time, then the times of detecting the face information in each merchant can be counted according to the payment record of the current user.

Specifically, each time the user performs a payment operation, the user may obtain merchant information or payee information corresponding to the current payment operation, and then establish a corresponding relationship between the merchant information or payee information and face information detected during the current payment operation, so as to count the number of times that the face information is detected at different merchants. Of course, the number of times of detecting the face information at each merchant may be counted in any other available manner, which is not limited in this embodiment of the present application.

Substep 2222, when the number of times of detecting the face information at the first merchant is greater than or equal to a first preset threshold value, and the sum of the number of times of detecting the face information at the other merchants except the first merchant is less than a second preset threshold value, determining that the face information meets a preset condition.

For any face information, in order to determine whether the face information meets a preset condition, it may be further determined whether the number of times that a first merchant detects the face information is greater than or equal to a first preset threshold, and a sum of the number of times that other merchants except the first merchant detect the face information is less than a second preset threshold for the information. The first preset threshold and the second preset threshold may be set before this step or before any step before this step according to requirements, and specific values of the first preset threshold may be the same or different, which is not limited in this embodiment of the application.

For any face information, when the number of times that a first merchant detects the face information is greater than or equal to a first preset threshold value and the sum of the number of times that other merchants except the first merchant detect the face information is less than a second preset threshold value, determining that the face information meets a preset condition; otherwise, the face information can be confirmed to not meet the preset condition.

And a substep 223 of recording the face information as a target face and recording payment information corresponding to the face information when the face information meets a preset condition.

If the face information meets the preset condition, the face information can be recorded as a target face, and payment information corresponding to the face information is recorded. And if the face information does not meet the preset condition, the face information is not recorded as the target face, and the payment information corresponding to the face information does not need to be recorded.

Of course, if the face information is already recorded after the face information is recognized from the preview image of the camera as described above, when it is determined that the recorded face information satisfies the preset condition, the recorded face information may be set as the target face while the payment information corresponding to the face information is recorded without repeatedly recording the face information again.

Optionally, in this embodiment of the present application, the sub-step 223 may further include:

a sub-step 2231, when the face information meets a preset condition, determining whether the face information is a recorded target face.

In practical application, if the recorded target face is detected by using the camera in the subsequent detection, the face information corresponding to the target face is detected, that is, the face information corresponding to the target face is obtained again, and generally speaking, the face information can meet the preset conditions. Then the same target face needs to be recorded again, but the payment information for different payment operations may be different for the same target face.

For example, as the payment methods supported by the merchant may vary, and the merchant may support multiple payment methods, the user may select any one of the payment methods supported by the merchant to complete the payment operation. Therefore, the payment method used for the two payment operations may be different, and the payee information may be different accordingly. For example, for a recorded target face, the corresponding payment mode is an active code scanning payment mode under the first payment application, and the payee information may be a bar code or a two-dimensional code of the corresponding merchant corresponding to the first payment application; when the same face information corresponding to the target face is detected subsequently, the payment mode of the user is an active code scanning payment mode under the second payment application, and the information of the payee can be a bar code or a two-dimensional code corresponding to the second payment application of the corresponding merchant.

Therefore, in the embodiment of the application, each determined target face and the corresponding payment information thereof can be recorded in sequence one by one. For example, for the target face a, if the target face a and the payment information B corresponding to the target face a are recorded, it is assumed that subsequent one piece of face information also corresponds to the target face a, but the payment information is C, another piece of face information also corresponds to the target face a, and the payment information is B. Then, the target faces and the payment information thereof may be recorded in sequence as follows:

the payment method comprises the following steps of A, a target face A and payment information B corresponding to the target face A;

the payment method comprises the following steps of A, a target face A and payment information C corresponding to the target face A;

the payment system comprises a target face A and payment information B corresponding to the target face A.

However, the above-mentioned recording method is inconvenient for searching and counting the payment information corresponding to each target face, and occupies a storage space, so in the embodiment of the present application, the payment information for the same target face may be merged and stored, and then all the corresponding payment information for the same target face may be searched in one record.

Therefore, before creating the target face based on any face information, it may be determined whether the face information is a recorded target face.

And a sub-step 2232, if the face information is a recorded target face, merging and storing the payment information corresponding to the face information into the payment information of the target face corresponding to the face information.

If the face information is the recorded target face, the payment information corresponding to the face information can be merged and stored into the payment information corresponding to the target face corresponding to the face information.

For example, for the aforementioned target face a, the following may be recorded:

the payment method comprises a target face A, payment information B corresponding to the target face A, payment information C corresponding to the target face A and payment information B corresponding to the target face A.

Of course, the specific recording format may be preset according to the requirement, and the embodiment of the present application is not limited thereto.

And a sub-step 2233, if the face information is not the recorded target face, recording the face information as the target face, and recording payment information corresponding to the face information.

And if the face information is the recorded target face, the face information can be directly recorded as the target face, and the payment information corresponding to the face to be determined is recorded.

Step 230, detecting whether the preview image of the camera contains a target face.

And 240, if the preview image contains a target face, executing payment operation according to payment information corresponding to the target face.

Optionally, in this embodiment of the present application, the step 240 may further include: and starting a payment mode corresponding to the target face, and acquiring payee information corresponding to the payment mode to carry out payee identity verification so as to execute payment operation.

For example, for the active code scanning payment method, the corresponding recorded payee information may include a barcode or a two-dimensional code of a merchant, and then the active code scanning payment method may be started, and meanwhile, in order to avoid that the user needs to spend time to scan the barcode or the two-dimensional code provided by the merchant by using the mobile terminal to perform payee identity verification, the payee information corresponding to the active code scanning payment method may be directly obtained to perform payee identity verification, and at this time, the user may directly jump to a payment interface for inputting a payment amount and a payment password, and then the user may perform payment operation only by manually inputting the payment amount and the payment password. Manual operation of the user can be further reduced, and payment efficiency is improved.

Optionally, in this embodiment of the application, the target face corresponds to a plurality of payment information, and the step 240 further includes:

and a substep 241 of executing payment operation according to the payment information corresponding to the target face and having the payment time closest to the current moment.

Or, in sub-step 242, a payment operation is executed according to the payment information corresponding to the target face and having the highest usage frequency of the merchant corresponding to the target face.

As mentioned above, in practical applications, a merchant may correspond to a plurality of payment information, and the payment information supported by the same merchant may be different at different time periods, so that the payment information recorded at different times may be different for the same target face. Therefore, in the embodiment of the application, if the target face corresponds to various payment information, the payment operation can be executed according to the payment information which corresponds to the target face and has the closest payment time to the current moment; or the payment operation is executed according to the payment information which corresponds to the target face and has the highest use frequency of the merchant corresponding to the target face, which is not limited in the embodiment of the present application. And the user-defined setting can be carried out aiming at different target faces, and the embodiment of the application is not limited.

In the embodiment of the invention, when a payment triggering instruction input by a user is received, a camera of the mobile terminal is started; the camera comprises a front camera and/or a rear camera; detecting whether a preview image of the camera contains a target face; and if the preview image contains the target face, executing payment operation according to the payment information corresponding to the target face. The payment operation can be directly executed according to the detected payment information corresponding to the target face, and the method is simple and convenient to operate and consumes less time.

Moreover, in the embodiment of the invention, a target face and payment information corresponding to the target face can be confirmed and recorded according to the historical payment operation of the user; the payment information includes payment means and/or payee information. When the user executes payment operation, acquiring a preview image through a camera, and identifying face information in the preview image; judging whether the face information meets a preset condition or not; and when the face information meets a preset condition, recording the face information as a target face, and recording payment information corresponding to the face information. Therefore, the accuracy of the prestored target face and the payment information thereof can be improved, and the efficiency and the accuracy of starting the payment mode are further improved.

In addition, in the embodiment of the invention, the times of detecting the face information in each merchant can be counted; when the number of times of detecting the face information at a first merchant is greater than or equal to a first preset threshold value and the sum of the number of times of detecting the face information at other merchants except the first merchant is less than a second preset threshold value, confirming that the face information meets a preset condition. Therefore, the accuracy of the target face and the payment information thereof can be further improved, and the situation that the prestored target face and the payment information thereof occupy excessive internal memory is avoided.

Further, in the embodiment of the present invention, a payment operation may be performed according to payment information that corresponds to the target face and has a payment time closest to the current time; or executing payment operation according to the payment information which corresponds to the target face and has the highest use frequency of the merchant corresponding to the target face. Therefore, manual operation of the user can be further reduced, and the payment efficiency is improved.

EXAMPLE III

A mobile terminal according to an embodiment of the present invention is described in detail.

Referring to fig. 3, a schematic structural diagram of a mobile terminal in the embodiment of the present invention is shown.

The mobile terminal 300 of the embodiment of the present invention includes: a camera activation module 310, a target face detection module 320, and a payment module 330.

The functions of the modules and the interaction relationship between the modules are described in detail below.

The camera starting module 310 is configured to start a camera of the mobile terminal when a payment triggering instruction input by a user is received; the camera comprises a front camera and/or a rear camera.

And the target face detection module 320 is configured to detect whether a preview image of the camera includes a target face.

A payment module 330, configured to execute a payment operation according to payment information corresponding to the target face if the preview image includes the target face.

Example four

Referring to fig. 4, a schematic structural diagram of a mobile terminal in the embodiment of the present invention is shown.

The mobile terminal 400 of the embodiment of the present invention includes: a camera starting module 410, a target face pre-storing module 420, a target face detecting module 430 and a payment module 440.

The camera starting module 410 is used for starting a camera of the mobile terminal when a payment triggering instruction input by a user is received; the camera comprises a front camera and/or a rear camera.

A target face pre-storage module 420, configured to determine and record a target face and payment information corresponding to the target face according to a historical payment operation of the user; the payment information includes payment means and/or payee information.

Optionally, in this embodiment of the application, the target face pre-storing module 420 further includes:

the face information obtaining sub-module 421 is configured to, when the user performs a payment operation, acquire a preview image through a camera, and identify face information in the preview image.

And a preset condition judgment sub-module 422, configured to judge whether the face information meets a preset condition.

Optionally, in this embodiment of the application, the preset condition determining sub-module 422 further includes:

and the first count counting unit is used for counting the times of detecting the face information at each merchant.

The face information processing device comprises a preset condition confirming unit, a face information processing unit and a face information processing unit, wherein the preset condition confirming unit is used for confirming that the face information meets a preset condition when the frequency of detecting the face information at a first merchant is greater than or equal to a first preset threshold value and the sum of the frequency of detecting the face information at other merchants except the first merchant is less than a second preset threshold value.

And the target face determining submodule 423 is configured to record the face information as a target face when the face information meets a preset condition, and record payment information corresponding to the face information.

And the target face detection module 430 is configured to detect whether a preview image of the camera includes a target face.

A payment module 440, configured to execute a payment operation according to payment information corresponding to the target face if the preview image includes the target face.

Optionally, in this embodiment of the application, the target face corresponds to a plurality of payment information, and the payment module 440 further includes:

and the first payment sub-module is used for executing payment operation according to the payment information which corresponds to the target face and has the payment time closest to the current moment.

Or the second payment submodule is used for executing payment operation according to the payment information which corresponds to the target face and has the highest use frequency of the merchant corresponding to the target face.

The mobile terminal provided in the embodiment of the present invention can implement each process implemented by the mobile terminal in the method embodiments of fig. 1 to fig. 2, and is not described herein again to avoid repetition.

EXAMPLE five

Referring to fig. 5, a block diagram of a mobile terminal in an embodiment of the present invention is shown.

The mobile terminal 500 shown in fig. 5 includes: at least one processor 501, memory 502, at least one network interface 504, a user interface 503, and a camera 506. The various components in the mobile terminal 500 are coupled together by a bus system 505. It is understood that the bus system 505 is used to enable connection communications between these components. The bus system 505 includes a power bus, a control bus, and a status signal bus in addition to a data bus. For clarity of illustration, however, the various buses are labeled as bus system 505 in FIG. 5.

The user interface 503 may include, among other things, a display, a keyboard, or a pointing device (e.g., a mouse, trackball, touch pad, or touch screen, among others.

It is to be understood that the memory 502 in embodiments of the present invention may be either volatile memory or nonvolatile memory, or may include both volatile and nonvolatile memory. The non-volatile Memory may be a Read-Only Memory (ROM), a Programmable ROM (PROM), an Erasable PROM (EPROM), an Electrically Erasable PROM (EEPROM), or a flash Memory. The volatile Memory may be a Random Access Memory (RAM) which functions as an external cache. By way of illustration, and not limitation, many forms of RAM are available, such as Static random access memory (Static RAM, SRAM), Dynamic Random Access Memory (DRAM), Synchronous Dynamic random access memory (Synchronous DRAM, SDRAM), Double Data Rate Synchronous Dynamic Random Access Memory (DDRSDRAM), Enhanced Synchronous SDRAM (ESDRAM), Sync Link DRAM (SLDRAM), and direct memory bus RAM (DRRAM). The memory 502 of the subject systems and methods described in connection with the embodiments of the invention is intended to comprise, without being limited to, these and any other suitable types of memory.

In some embodiments, memory 502 stores elements, executable modules or data structures, or a subset thereof, or an expanded set thereof as follows: an operating system 5021 and application programs 5022.

The operating system 5021 includes various system programs, such as a framework layer, a core library layer, a driver layer, and the like, and is used for implementing various basic services and processing hardware-based tasks. The application 5022 includes various applications, such as a media player (MediaPlayer), a Browser (Browser), and the like, for implementing various application services. The program for implementing the method according to the embodiment of the present invention may be included in the application program 5022.

In the embodiment of the present invention, by calling a program or an instruction stored in the memory 502, specifically, a program or an instruction stored in the application 5022, the processor 501 is configured to start the camera of the mobile terminal when receiving a payment triggering instruction input by a user; the camera comprises a front camera and/or a rear camera; detecting whether a preview image of the camera contains a target face; and if the preview image contains the target face, executing payment operation according to the payment information corresponding to the target face.

The method disclosed by the above-mentioned embodiments of the present invention may be applied to the processor 501, or implemented by the processor 501. The processor 501 may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware or instructions in the form of software in the processor 501. The Processor 501 may be a general-purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf programmable Gate Array (FPGA) or other programmable logic device, discrete Gate or transistor logic device, or discrete hardware components. The various methods, steps and logic blocks disclosed in the embodiments of the present invention may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of the method disclosed in connection with the embodiments of the present invention may be directly implemented by a hardware decoding processor, or implemented by a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in the memory 502, and the processor 501 reads the information in the memory 502 and completes the steps of the method in combination with the hardware.

It is to be understood that the embodiments described herein may be implemented in hardware, software, firmware, middleware, microcode, or any combination thereof. For a hardware implementation, the processing units may be implemented within one or more Application Specific Integrated Circuits (ASICs), Digital Signal Processors (DSPs), Digital Signal Processing Devices (DSPDs), Programmable Logic Devices (PLDs), Field Programmable Gate Arrays (FPGAs), general purpose processors, controllers, micro-controllers, microprocessors, other electronic units configured to perform the functions described herein, or a combination thereof.

For a software implementation, the techniques described in this disclosure may be implemented with modules (e.g., procedures, functions, and so on) that perform the functions described in this disclosure. The software codes may be stored in a memory and executed by a processor. The memory may be implemented within the processor or external to the processor.

Optionally, as another embodiment, the processor 501 is further configured to: confirming and recording a target face and payment information corresponding to the target face according to the historical payment operation of the user; the payment information includes payment means and/or payee information.

Optionally, as another embodiment, the processor 501 is further configured to: when the user executes payment operation, acquiring a preview image through a camera, and identifying face information in the preview image; judging whether the face information meets a preset condition or not; and when the face information meets a preset condition, recording the face information as a target face, and recording payment information corresponding to the face information.

Optionally, the processor 501 is further configured to: counting the times of detecting the face information at each merchant; when the number of times of detecting the face information at a first merchant is greater than or equal to a first preset threshold value and the sum of the number of times of detecting the face information at other merchants except the first merchant is less than a second preset threshold value, confirming that the face information meets a preset condition.

Optionally, the processor 501 is further configured to: the target face corresponds to various payment information, and payment operation is executed according to the payment information which corresponds to the target face and has the payment time closest to the current moment; or executing payment operation according to the payment information which corresponds to the target face and has the highest use frequency of the merchant corresponding to the target face.

The mobile terminal 500 can implement the processes implemented by the mobile terminal in the foregoing embodiments, and in order to avoid repetition, the detailed description is omitted here.

EXAMPLE six

Fig. 6 is a schematic structural diagram of a mobile terminal according to another embodiment of the present invention. Specifically, the mobile terminal in fig. 6 may be a mobile phone, a tablet computer, a Personal Digital Assistant (PDA), or a vehicle-mounted computer.

The mobile terminal in fig. 6 includes a Radio Frequency (RF) circuit 610, a memory 620, an input unit 630, a display unit 640, a camera 650, a processor 660, an audio circuit 670, a Wi-fi (wireless fidelity) module 680, and a power supply 690.

The input unit 630 may be used, among other things, to receive numeric or character information input by a user and to generate signal inputs related to user settings and function control of the mobile terminal. Specifically, in the embodiment of the present invention, the input unit 630 may include a touch panel 631. The touch panel 631, also referred to as a touch screen, may collect touch operations of a user (e.g., operations of the user on the touch panel 631 by using a finger, a stylus, or any other suitable object or accessory) thereon or nearby, and drive the corresponding connection device according to a preset program. Alternatively, the touch panel 631 may include two parts of a touch detection device and a touch controller. The touch detection device detects the touch direction of a user, detects a signal brought by touch operation and transmits the signal to the touch controller; the touch controller receives touch information from the touch sensing device, converts the touch information into touch point coordinates, sends the touch point coordinates to the processor 660, and can receive and execute commands sent by the processor 660. In addition, the touch panel 631 may be implemented using various types, such as resistive, capacitive, infrared, and surface acoustic wave. In addition to the touch panel 631, the input unit 630 may also include other input devices 632, and the other input devices 632 may include, but are not limited to, one or more of a physical keyboard, function keys (such as volume control keys, switch keys, etc.), a trackball, a mouse, a joystick, and the like.

Among them, the display unit 640 may be used to display information input by a user or information provided to the user and various menu interfaces of the mobile terminal. The display unit 640 may include a display panel 641, and optionally, the display panel 641 may be configured in the form of an LCD or an Organic Light-Emitting Diode (OLED).

It should be noted that the touch panel 631 may cover the display panel 641 to form a touch display screen, and when the touch display screen detects a touch operation thereon or nearby, the touch display screen is transmitted to the processor 660 to determine the type of the touch event, and then the processor 660 provides a corresponding visual output on the touch display screen according to the type of the touch event.

The touch display screen comprises an application program interface display area and a common control display area. The arrangement modes of the application program interface display area and the common control display area are not limited, and can be an arrangement mode which can distinguish two display areas, such as vertical arrangement, left-right arrangement and the like. The application interface display area may be used to display an interface of an application. Each interface may contain at least one interface element such as an icon and/or widget desktop control for an application. The application interface display area may also be an empty interface that does not contain any content. The common control display area is used for displaying controls with high utilization rate, such as application icons like setting buttons, interface numbers, scroll bars, phone book icons and the like.

The processor 660 is a control center of the mobile terminal, connects various parts of the whole mobile phone by using various interfaces and lines, and executes various functions and processes data of the mobile terminal by running or executing software programs and/or modules stored in the first memory 621 and calling data stored in the second memory 622, thereby performing overall monitoring on the mobile terminal. Optionally, processor 660 may include one or more processing units.

In the embodiment of the present invention, the processor 660 is configured to activate the camera of the mobile terminal when receiving a payment triggering instruction input by a user by invoking a software program and/or a module stored in the first memory 621 and/or data stored in the second memory 622; the camera comprises a front camera and/or a rear camera; detecting whether a preview image of the camera contains a target face; and if the preview image contains the target face, executing payment operation according to the payment information corresponding to the target face.

Optionally, as another embodiment, the processor 660 is further configured to: confirming and recording a target face and payment information corresponding to the target face according to the historical payment operation of the user; the payment information includes payment means and/or payee information.

Optionally, as another embodiment, the processor 660 is further configured to: when the user executes payment operation, acquiring a preview image through a camera, and identifying face information in the preview image; judging whether the face information meets a preset condition or not; and when the face information meets a preset condition, recording the face information as a target face, and recording payment information corresponding to the face information.

Optionally, the processor 660 is further configured to: counting the times of detecting the face information at each merchant; when the number of times of detecting the face information at a first merchant is greater than or equal to a first preset threshold value and the sum of the number of times of detecting the face information at other merchants except the first merchant is less than a second preset threshold value, confirming that the face information meets a preset condition.

Optionally, the processor 660 is further configured to: the target face corresponds to various payment information, and payment operation is executed according to the payment information which corresponds to the target face and has the payment time closest to the current moment; or executing payment operation according to the payment information which corresponds to the target face and has the highest use frequency of the merchant corresponding to the target face.

Therefore, in the embodiment of the invention, when a payment triggering instruction input by a user is received, the camera of the mobile terminal is started; the camera comprises a front camera and/or a rear camera; detecting whether a preview image of the camera contains a target face; and if the preview image contains the target face, executing payment operation according to the payment information corresponding to the target face. The payment operation can be directly executed according to the detected payment information corresponding to the target face, and the method is simple and convenient to operate and consumes less time.

An embodiment of the present invention further provides a mobile terminal, including: the payment method comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein when the computer program is executed by the processor, each process of the payment method embodiment is realized, the same technical effect can be achieved, and in order to avoid repetition, the details are not repeated.

The embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when being executed by a processor, the computer program implements each process of the above-mentioned payment method embodiment, and can achieve the same technical effect, and in order to avoid repetition, details are not repeated here. The computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk.

Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.

It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.

In the embodiments provided in the present application, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit.

The functions, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: various media capable of storing program codes, such as a U disk, a removable hard disk, a ROM, a RAM, a magnetic disk, or an optical disk.

The above description is only for the specific embodiments of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present invention, and all the changes or substitutions should be covered within the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims

1. A payment method is applied to a mobile terminal and is characterized by comprising the following steps:

detecting whether a preview image of the camera contains a target face, wherein the target face is pre-stored image information of each merchant, including face patterns;

if the preview image contains a target face, executing payment operation according to payment information corresponding to the target face;

before the step of detecting whether the preview image of the camera contains the target face, the method further comprises the following steps:

confirming and recording a target face and payment information corresponding to the target face according to the historical payment operation of the user; the payment information comprises payment mode and/or payee information;

the step of confirming and recording the target face and the payment information corresponding to the target face according to the historical payment operation of the user comprises the following steps:

when the user executes payment operation, acquiring a preview image through a camera, and identifying face information in the preview image;

judging whether the face information meets a preset condition or not;

the step of judging whether the face information meets the preset condition comprises the following steps:

counting the times of detecting the face information at each merchant;

when the frequency of detecting the face information at a first merchant is greater than or equal to a first preset threshold value and the sum of the frequency of detecting the face information at other merchants except the first merchant is less than a second preset threshold value, confirming that the face information meets a preset condition;

and when the face information meets a preset condition, recording the face information as a target face, and recording payment information corresponding to the face information.

2. The method of claim 1, wherein the target face corresponds to a plurality of payment information;

the step of executing payment operation according to the payment information corresponding to the target face comprises the following steps:

executing payment operation according to the payment information which corresponds to the target face and has the payment time closest to the current moment;

or executing payment operation according to the payment information which corresponds to the target face and has the highest use frequency of the merchant corresponding to the target face.

3. A mobile terminal, comprising:

the target face detection module is used for detecting whether a preview image of the camera contains a target face, wherein the target face is pre-stored image information of each merchant, including face patterns;

the payment module is used for executing payment operation according to payment information corresponding to the target face if the preview image contains the target face;

the target face prestoring module is used for confirming and recording a target face and payment information corresponding to the target face according to the historical payment operation of the user; the payment information comprises payment mode and/or payee information;

the target face prestoring module comprises:

the face information acquisition submodule is used for acquiring a preview image through a camera when the user executes payment operation and identifying face information in the preview image;

the preset condition judgment submodule is used for judging whether the face information meets a preset condition or not;

the preset condition judgment submodule comprises:

the first count counting unit is used for counting the times of detecting the face information in each merchant;

the system comprises a preset condition confirming unit, a face information obtaining unit and a face information obtaining unit, wherein the preset condition confirming unit is used for confirming that the face information meets a preset condition when the frequency of detecting the face information in a first merchant is greater than or equal to a first preset threshold value and the sum of the frequency of detecting the face information in other merchants except the first merchant is less than a second preset threshold value;

and the target face determining submodule is used for recording the face information as a target face and recording payment information corresponding to the face information when the face information meets a preset condition.

4. The mobile terminal of claim 3, wherein the target face corresponds to a plurality of payment information, and the payment module comprises:

the first payment sub-module is used for executing payment operation according to the payment information which corresponds to the target face and has the payment time closest to the current moment;

5. A mobile terminal, comprising: memory, processor and computer program stored on the memory and executable on the processor, which computer program, when executed by the processor, carries out the steps of the payment method according to any one of claims 1 to 2.

6. A computer-readable storage medium, characterized in that a computer program is stored on the computer-readable storage medium, which computer program, when being executed by a processor, carries out the steps of the payment method according to one of the claims 1 to 2.