CN107886330A - Settlement method, apparatus and system - Google Patents
Settlement method, apparatus and system Download PDFInfo
- Publication number
- CN107886330A CN107886330A CN201711220826.9A CN201711220826A CN107886330A CN 107886330 A CN107886330 A CN 107886330A CN 201711220826 A CN201711220826 A CN 201711220826A CN 107886330 A CN107886330 A CN 107886330A
- Authority
- CN
- China
- Prior art keywords
- information
- destination object
- identity information
- identity
- variety
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- 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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Abstract
The invention provides a kind of settlement method, apparatus and system, is related to intelligence clearing technical field, and this method includes：Gather a variety of biological informations of destination object；According to a variety of biological informations of the destination object of collection, the identity information of the destination object is determined；Based on the identity information of the destination object, the spending amount of the destination object to getting is settled accounts.The present invention can accurately determine customer identification according to a variety of biological informations of consumer, and then be settled accounts based on the customer identification, without consumer again by object outside the bodies such as bank card, mobile phone, effectively improve the convenient degree of transaction and Consumer's Experience.
Description
Technical field
The present invention relates to intelligence to settle accounts technical field, more particularly, to a kind of settlement method, apparatus and system.
Background technology
Nowadays, electronic payment mode is gradually popularized, and increasing people's selection uses cCredit card payment or mobile phone
The modes such as payment, are settled accounts after commodity are bought.Compared to paying in cash, e-payment undoubtedly simplifies the counterparty of people
Formula.However, present electronic payment mode needs consumer to carry the outer object of the bodies such as bank card, mobile phone mostly, and
In payment process, it is also desirable to which consumer, which draws, takes bank card, and the operation such as coordinates and swiped the card, input password together with businessman；Hand
Machine pays and in this way, needs consumer and businessman to coordinate mostly, utilizes mobile phone to carry out barcode scanning payment.Therefore, such as swipe the card branch
Pay, the mode such as mobile-phone payment it is still relatively complicated.
The content of the invention
In view of this, it is an object of the invention to provide a kind of settlement method, apparatus and system, e-payment can be lifted
Convenience.
To achieve these goals, the technical scheme that the embodiment of the present invention uses is as follows：
In a first aspect, the embodiments of the invention provide a kind of settlement method, including：The a variety of biologies for gathering destination object are special
Reference ceases；According to a variety of biological informations of the destination object of collection, the identity information of the destination object is determined；Base
In the identity information of the destination object, the spending amount of the destination object to getting is settled accounts.
Further, the biological information includes figure and features characteristic information, and a variety of biologies of the collection destination object are special
The step of reference ceases, including：Pass through the figure and features characteristic information of destination object described in image acquisition device；The figure and features feature
Information includes a variety of in facial information, iris information, finger print information, bone information and gait information.
Further, the biological information includes figure and features characteristic information and acoustic information, the collection destination object
The step of a variety of biological informations, including：Pass through the figure and features characteristic information of destination object described in image acquisition device；Institute
Stating figure and features characteristic information includes one kind or more in facial information, iris information, finger print information, bone information and gait information
Kind；The acoustic information of the destination object is gathered by voice collection device；The acoustic information includes voiceprint.
Further, a variety of biological informations of the destination object according to collection, determine the destination object
Identity information the step of, including：According to a variety of biological informations of the destination object of collection, and prestore
The corresponding relation of identity information and biological information, determine the identity information of the destination object.
Further, a variety of biological informations of the destination object according to collection, and the body prestored
The corresponding relation of part information and biological information, the step of determining the identity information of the destination object, including：By collection
A variety of biological informations of the destination object and each identity information in the identity database pre-established are corresponding more
Kind biological information is accordingly compared, and is obtained the destination object and is believed with each identity in the identity database
The similarity of breath；Judge that the peak of the similarity is no and be higher than predetermined threshold value；If it is, determine the peak of the similarity
Corresponding identity information is the identity information of the destination object.
Further, methods described also includes：Receive the identity information that uploads in an encrypted form of user terminal and with it is described
A variety of biological informations corresponding to identity information；Wherein, the biological information is note of the user terminal from user
Extraction obtains in volume information；The log-on message includes figure information and acoustic information；Decrypt the identity information and with
A variety of biological informations corresponding to the identity information；Based on each identity information after decryption and each identity information
Corresponding a variety of biological informations build the identity database.
Further, a variety of biological informations of the destination object according to collection, determine the destination object
Identity information the step of, including：According to a variety of biological informations of the destination object of collection and prestore
The corresponding relation of identity information and biological information, determine that the first of the destination object determines identity information；Obtain the target
The clearing keyword of object；Whether correct determine identity information according at the beginning of the clearing keyword checking is described；If correct, it is determined that
It is described just to determine the identity information that identity information is the destination object.
Further, the step of clearing keyword of the acquisition destination object, including：Adopted by voice collection device
Collect the acoustic information of the destination object；The clearing that the destination object is extracted from the acoustic information of the destination object are crucial
Word；Or the clearing keyword for obtaining the destination object by presetting terminal and being inputted with written form.
Further, it is described just to determine the whether correct step of identity information according to the clearing keyword checking is described, including：
According to the identity information and the corresponding relation of keyword pre-established, lookup is described just to determine keyword corresponding to identity information；Sentence
Whether the clearing keyword of disconnected extraction with described just determines the corresponding Keywords matching of identity information；If it is, described in determining
It is correct just to determine identity information.
Further, the identity information based on the destination object, the spending amount of the destination object to getting enter
The step of row clearing, including：Based on the identity information of the destination object, destination object account registered in advance is searched；
The spending amount of the destination object is obtained by settlement system；Described in being deducted in the account registered in advance from the destination object
The spending amount of destination object.
Second aspect, the embodiment of the present invention also provide a kind of checkout apparatus, including：Collection apparatus module, for gathering mesh
Mark a variety of biological informations of object；Identity determining module, a variety of biologies for the destination object according to collection are special
Reference ceases, and determines the identity information of the destination object；Settlement module is right for the identity information based on the destination object
The spending amount of the destination object got is settled accounts.
The third aspect, the embodiments of the invention provide a kind of settlement system, the system includes：Collection apparatus device, place
Manage device and storage device；The collection apparatus device, for gathering the biological information of destination object；On the storage device
Computer program is stored with, the computer program performs the side described in any one of first aspect when being run by the processor
Method.
Fourth aspect, the embodiments of the invention provide a kind of computer-readable recording medium, the computer-readable storage
Computer program is stored with medium, the computer program is performed when being run by processor described in above-mentioned any one of first aspect
Method the step of.
The embodiments of the invention provide a kind of settlement method, apparatus and system, according to a variety of of the destination object collected
Biological information determines the identity information of the destination object, and then the identity information based on the destination object is settled accounts.This
Kind mode carries the means of payment outside the bodies such as bank card, mobile phone without consumer, and the biological characteristic that businessman passes through consumer is believed
Breath can determine that the identity of consumer, so as to directly being settled accounts accordingly based on the identity, the significant increase convenient degree of transaction
And Consumer's Experience.
Other feature and advantage of the disclosure will illustrate in the following description, or, Partial Feature and advantage can be with
Deduce from specification or unambiguously determine, or the above-mentioned technology by implementing the disclosure can be learnt.
To enable the above objects, features and advantages of the present invention to become apparent, preferred embodiment cited below particularly, and coordinate
Appended accompanying drawing, is described in detail below.
Brief description of the drawings
, below will be to specific in order to illustrate more clearly of the specific embodiment of the invention or technical scheme of the prior art
The required accompanying drawing used is briefly described in embodiment or description of the prior art, it should be apparent that, in describing below
Accompanying drawing is some embodiments of the present invention, for those of ordinary skill in the art, before creative work is not paid
Put, other accompanying drawings can also be obtained according to these accompanying drawings.
Fig. 1 shows the structural representation for a kind of electronic equipment that the embodiment of the present invention is provided；
Fig. 2 shows a kind of settlement method flow chart that the embodiment of the present invention is provided；
Fig. 3 shows a kind of particular flow sheet for settlement method that the embodiment of the present invention is provided；
Fig. 4 shows a kind of structured flowchart for checkout apparatus that the embodiment of the present invention is provided.
Embodiment
To make the purpose, technical scheme and advantage of the embodiment of the present invention clearer, below in conjunction with accompanying drawing to the present invention
Technical scheme be clearly and completely described, it is clear that described embodiment is part of the embodiment of the present invention, rather than
Whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art are not making creative work premise
Lower obtained every other embodiment, belongs to the scope of protection of the invention.
Current e-payment is more popularized, but still needs consumer to carry the instruments such as bank card, mobile phone, is settled accounts
Journey is still relatively complicated, and to improve this problem, a kind of settlement method provided in an embodiment of the present invention, apparatus and system, the technology can
In settlement process applied to the transaction such as market occasion, the embodiment of the present invention is described in detail below.
Embodiment one：
First, reference picture 1 describes settlement method, the exemplary electron of apparatus and system for realizing the embodiment of the present invention
Equipment 100.
The structural representation of a kind of electronic equipment as shown in Figure 1, electronic equipment 100 include one or more processors
102nd, one or more storage devices 104, input unit 106, output device 108 and collection apparatus device 110, these components
Interconnected by bindiny mechanism's (not shown) of bus system 112 and/or other forms.It should be noted that the electronic equipment shown in Fig. 1
100 component and structure is illustrative, and not restrictive, and as needed, the electronic equipment can also have other
Component and structure.
The processor 102 can be CPU (CPU) or be performed with data-handling capacity and/or instruction
The processing unit of the other forms of ability, and other components in the electronic equipment 100 can be controlled desired to perform
Function.
The storage device 104 can include one or more computer program products, and the computer program product can
With including various forms of computer-readable recording mediums, such as volatile memory and/or nonvolatile memory.It is described easy
The property lost memory is such as can include random access memory (RAM) and/or cache memory (cache).It is described non-
Volatile memory is such as can include read-only storage (ROM), hard disk, flash memory.In the computer-readable recording medium
On can store one or more computer program instructions, processor 102 can run described program instruction, to realize hereafter institute
The client functionality (realized in the embodiment of the present invention stated by processor) and/or other desired functions.In the meter
Can also store various application programs and various data in calculation machine readable storage medium storing program for executing, for example, the application program use and/or
Caused various data etc..
The input unit 106 can be the device that user is used for input instruction, and can include keyboard, mouse, wheat
One or more of gram wind and touch-screen etc..
The output device 108 can export various information (for example, image or sound) to outside (for example, user), and
And one or more of display, loudspeaker etc. can be included.
The collection apparatus device 110 can gather user biological information (such as facial image, acoustic information,
Iris information etc.), and the biological information of the user gathered is stored in the storage device 104 for other groups
Part uses.
Exemplarily, for realizing the exemplary electronic device of settlement method according to embodiments of the present invention, apparatus and system
It may be implemented as on the mobile terminals such as smart mobile phone, tablet personal computer.
Embodiment two：
A kind of settlement method flow chart shown in reference picture 2, this method comprise the following steps：
Step S202, gather a variety of biological informations of destination object.Specifically, biological information can include it is all
Such as facial information, iris information, bone information, finger print information and gait information figure and features characteristic information, it can also include such as
The acoustic informations such as voiceprint.
Step S204, according to a variety of biological informations of the destination object of collection, determine that the identity of the destination object is believed
Breath.
It is understood that everyone has the biological information of uniqueness；It can know by such as recognition of face, vocal print
Not Deng living things feature recognition mode determine collection biological information corresponding to identity.It is special using a variety of biologies in the present embodiment
Sign informix determines the mode of identity, is identified compared to single features in correlation technique, can effectively lift identity determination
Reliability and accuracy rate, it can preferably be applied to clearing occasion.Because biological characteristic is everyone attribute that carries, consumer
Without carrying the objects such as bank card, mobile phone again, need networking is just payable to be limited without by mobile phone, preferably improve
Transaction convenience.
Step S206, based on the identity information of above-mentioned destination object, the spending amount of the destination object to getting enters
Row clearing.Wherein, spending amount has a variety of acquisition modes, such as, can be obtained by the settlement system in correlation technique, this reality
Apply example and give a kind of embodiment of clearing, specifically comprise the following steps：
(1) identity information based on destination object, destination object account registered in advance is searched；
(2) spending amount of destination object is obtained by settlement system；Specifically, settlement system is referred to correlation technique
Realize, will not be repeated here.
(3) spending amount of destination object is deducted from destination object account registered in advance.
Such as, consumer A is the member of certain businessman, registers with account corresponding with the businessman, when consumer A enters the business
During family's consumption, the businessman determines to treat that the identity of clearing person is A by the biological information collected, then directly under A accounts
Deduct spending amount.Consumer A need not specially swipe the card or can be directly from consumer A account by mobile-phone payment, businessman
Lower stroke is walked spending amount, no matter for consumer or all extremely convenient for businessman, such a means of payment.
Above-mentioned settlement method provided in an embodiment of the present invention, according to a variety of biological informations of the destination object collected
The identity information of the destination object is determined, and then the identity information based on the destination object is settled accounts.This mode need not disappear
The person of expense carries the outer means of payment of the bodies such as bank card, mobile phone, and businessman can determine that by the biological information of consumer to disappear
The identity of the person of expense, so as to directly being settled accounts accordingly based on the identity, the significant increase convenient degree of transaction and Consumer's Experience.
In order to further improve the convenient degree and user experience of user's payment, present embodiments provide following contactless
The implementation that formula is paid：
Mode one：
Above-mentioned biological information includes figure and features characteristic information, and above-mentioned steps S204 can specifically be held as follows
OK：
Pass through the figure and features characteristic information of image acquisition device destination object；Figure and features characteristic information include facial information,
It is a variety of in iris information, finger print information, bone information and gait information.
Such as, the image collecting device including businessman is provided with comprising camera in clearing region, when destination object (is waited to tie
The consumer of calculation) positioned at clearing region settled accounts when, camera shoot consumer image, face is can extract out from image
Information, iris information and bone information etc..The bone information can be face bone information, whole body bone information etc..In addition, take the photograph
As head can also extract by recording multiple sequential frame images the gait information of destination object, in order to carry out Gait Recognition.On
The mode of stating can make consumer to collect the figure and features characteristic information of consumer in the case of contactless unaware, make consumption
In settlement process more freely, Experience Degree is higher by person.
In addition to the mode of above-mentioned non-contact type collection biological characteristic, businessman, which can also be installed on, can gather fingerprint image
Image collecting device (such as fingerprint capturer), destination object coordinates pressing fingerprint when settling accounts region clearing, and then can obtain
The fingerprint image of the destination object is taken, the mode of this contact collection biological characteristic can directly obtain consumption with relatively simple
The fingerprint characteristic of person, in order to which later use fingerprint characteristic identifies the identity of the consumer.
Mode two：
Biological information includes figure and features characteristic information and acoustic information, and above-mentioned steps S202 specifically can be according to such as lower section
Formula performs：
Pass through the figure and features characteristic information of image acquisition device destination object；Figure and features characteristic information include facial information,
One or more in iris information, finger print information, bone information and gait information；
The acoustic information of destination object is gathered by voice collection device；Acoustic information includes voiceprint.
Mode two further incorporates touchless sound and known on the basis of view-based access control model knowledge otherwise one
Not.It is understood that everyone voiceprint is different, according to the differentiation of voiceprint, identity can also be preferably identified.
In actual applications, voice collection device can be arranged to clearing region, when consumer talks, directly gather consumer's
Acoustic information.By way of machine vision and voice recognition are combined, the body of destination object can be more accurately determined
Part.The voice recognition mode included, also belong to non-contact type payment.
This gives a kind of above-mentioned steps S202 embodiments, it is specifically as follows：According to the target of collection
A variety of biological informations of object, and the identity information and the corresponding relation of biological information prestored, determine mesh
Mark the identity information of object.It is understood that same identity information is associated with a variety of biological informations, and can be stored in
The designated areas such as identity database.
In one embodiment, a variety of biological informations of the above-mentioned destination object according to collection, and deposit in advance
The identity information of storage and the corresponding relation of biological information, the step of determining the identity information of destination object, can be according to such as
Lower step performs：
(1) by each body in a variety of biological informations of the destination object of collection and the identity database pre-established
A variety of biological informations corresponding to part information are accordingly compared, and obtain destination object and each identity in identity database
The similarity of information.(2) judge that the peak of similarity is no and be higher than predetermined threshold value.(3) if it is, determining the peak of similarity
Corresponding identity information is the identity information of destination object.
In the specific implementation, similarity has a variety of calculations, it is assumed that biological information includes facial information, iris is believed
Breath and voiceprint, in one embodiment, each identity information in the identity database can be according to " member A- faces
This form association of information-iris information-voiceprint ", the present embodiment provide the application example of following three kinds of calculating similarity：
Mode one：By the facial information, iris information and voiceprint of the destination object collected one by one with identity number
Accordingly compared, obtained corresponding to each identity information according to biological information corresponding to each identity information recorded in storehouse
The similarity of each biological information, the similarity for then therefrom screening each biological information all reach the first predetermined threshold value
Identity information, by the peak screened in obtained identity information again compared with the second predetermined threshold value.Such as, after comparison, obtain
It is 60% to destination object and member A facial similarity, iris similarity is 87%, and vocal print similarity is 90%, target pair
As being 87% with member B facial similarity, iris similarity is 92%, and vocal print similarity is 86%, and screening conditions are all
Similarity is both needed to be more than the first predetermined threshold value 85%；Because the facial similarity compared with member A is less than 85%, thus be excluded that meeting
Member A, and each similarity compared with member B is both greater than 85%, so retaining member B, highest similarity is 92% in member B
Iris similarity is such as higher than the second predetermined threshold value, then can further retained compared with the second predetermined threshold value (90%).Specific
During implementation, might have multiple identity informations meet " similarity of each biological information is all higher than the first predetermined threshold value, and
Highest similarity is more than the second predetermined threshold value " condition, at this point it is possible to for the classification of every kind of biological information, set phase
The comparative factor answered, in order to which the similarity of different types of biological information is finally compared.Such as, facial phase is set
Comparative factor like degree is 0.6, and the comparative factor of iris similarity is 0.7, facial similarity of the destination object compared with member C
For 94%, iris similarity is 89%, and vocal print similarity is 86%, then destination object and member B highest similarity 92% with
Similarity of the similarity obtained after 0.7 multiplication as member B, destination object are multiplied with member C highest similarity 94 with 0.6
Similarity of the similarity obtained afterwards as member C.
Mode two：By the facial information, iris information and voiceprint of the destination object collected one by one with identity number
Accordingly compared according to biological information corresponding to each identity information recorded in storehouse, obtain each identity information pair first
The similarity for each biological information answered, then calculates comprehensive similarity, the phase as destination object and each identity information
Like degree.Such as, after comparison, destination object and member A facial similarity are 20%, and iris similarity is 10%, vocal print phase
It is 40% like degree, it is 25% that comprehensive similarity, which is calculated, as 25%, namely destination object and member A similarity.Pass through this
Corresponding similarity is calculated in kind mode, each identity information respectively, and the similarity is similar for each biological information
The integrated value of degree, it can be that each biological information sets corresponding weight in actual applications, be believed according to each biological characteristic
The similarity of breath and corresponding weight, obtain the comprehensive similarity of its corresponding identity information.
Mode three：First by the facial information of destination object each identity information pair with being recorded in identity database one by one
The facial information answered is compared, and such as, the facial similarity for obtaining destination object and member A is 20%, the face with member B
Similarity is 80%, and the facial similarity with member C is 85%, and identity database septum reset similarity is less than to 60% identity
Information is eliminated, that is, will determine that the destination object is not member A, then by the iris information of destination object one by one with it is remaining
Iris information corresponding to each identity information (such as member B and member C) is compared, and carries out next round screening, and iris is similar
The identity information that degree does not meet predetermined threshold value is eliminated, then the voiceprint of destination object is believed with last remaining each identity one by one
Voiceprint is compared corresponding to breath, obtains the vocal print similarity of each identity information remaining to the end.Can be based on remaining
Vocal print similarity corresponding to each identity information, and the facial similarity and iris similarity calculated before, determine remaining each
The similarity of identity information.
Schematically illustrated it should be noted that these are only, in practical application, can flexibly be set based on aforesaid way
The calculation of similarity.
In the embodiment that the destination object is identified above-mentioned a variety of biological informations based on destination object,
Identity database is applied to, in order to make it easy to understand, the present embodiment provides a kind of building mode of identity database, is specifically included：
Receive identity information and a variety of biological informations corresponding with the identity information that user terminal uploads in an encrypted form；Its
In, biological information is that user terminal extracts what is obtained from the log-on message of user；Log-on message include figure information and
Acoustic information；Decryption identity information and a variety of biological informations corresponding with the identity information；Based on each body after decryption
A variety of biological informations structure identity databases corresponding to part information and each identity information.
In actual applications, consumer can pass through the biological characteristic of the personal terminal such as mobile phone, computer typing oneself
Information, and high in the clouds is further uploaded to, businessman can be associated the identity information of consumer with biological information by high in the clouds
It is stored in the designated areas such as identity database.In order to alleviate high in the clouds pressure, and ensure the Information Security of consumer, disappear
Expense person can be only stored in personal terminal by the original licensed information (picture, sound etc.) of personal terminal typing, by
Personal terminal is handled original licensed information, such as extracts facial characteristics, iris feature in picture, or extraction sound
In vocal print after, the biological information (characteristic) obtained after processing is uploaded to high in the clouds again, this mode is preferably omited
Go to high in the clouds to carry out the cumbersome processing links of feature extraction to everyone raw information, alleviate the calculating pressure in high in the clouds,
The processing speed in high in the clouds is improved, while also saves the memory space in high in the clouds.Further, since the raw information of consumer is not
High in the clouds is uploaded to, can also preferably safeguard the privacy of consumer, lifts security.In a particular application, the individual of consumer
Terminal can also will be uploaded to high in the clouds after the biological information encryption after processing, and high in the clouds is after the biological information is got
It is decrypted again, can further protects individual privacy information, prevents information from being stolen by criminal.
In order to further lift the accuracy of identification and reliability, this gives another above-mentioned steps
S204 embodiments, specifically comprise the following steps：
(1) it is special according to a variety of biological informations of the destination object of collection and the identity information prestored and biology
The corresponding relation of reference breath, determines that the first of destination object determines identity information.It is the originally determined target just to determine identity information
The identity information of object, such as, after the biological information of destination object is identified, the originally determined destination object
For member A.
(2) the clearing keyword of destination object is obtained.
In one embodiment, the acoustic information of destination object is gathered by voice collection device；From destination object
The clearing keyword of destination object is extracted in acoustic information.Each consumer can pre-set one or more non-common
Keyword is settled accounts, as the unique password of oneself, the vocabulary such as " zebra ", " corn ".Clearing keyword is unique, and identification is tested
The reliability of card is higher, and the situation that can preferably avoid the clearing keyword of multiple consumers the same occurs.It is this to pass through sound
The mode of keyword is settled accounts in sound information extraction, and consumer need to only talk, relatively simple quick.
In another embodiment, the clearing pass for obtaining the destination object by presetting terminal and being inputted with written form
Keyword.The default terminal can be the terminal being connected with performing the equipment of settlement method provided in an embodiment of the present invention, can be with
For mobile phone, tablet personal computer, computer, handwriting input device or professional equipment etc..It is this that keyword is settled accounts with written form typing
Mode, with more privacy in the public settles accounts occasion, security performance is more preferably.
(3) according to the checking of clearing keyword, whether just to determine identity information correct.
In one embodiment, can be searched just according to the identity information and the corresponding relation of keyword pre-established
Determine keyword corresponding to identity information；Judge the clearing keyword keyword whether corresponding with just determining identity information of extraction
Match somebody with somebody；If it is, it is correct to determine identity information at the beginning of determining.Wherein, keyword can also be with each identity information in foregoing identity database
Corresponding association, such as, the form stored in identity database is " member A- facial informations-iris information-voiceprint-clearing
Keyword ".Clearing keyword is also served as to the reference factor of identification.
(4) it is if correct, it is determined that just determining the identity information that identity information is destination object.
In above-mentioned steps, just the whether correct final tache of identity information is determined using clearing keyword as checking, to life
After thing feature is identified, living things feature recognition result can be confirmed by the verification mode for settling accounts keyword, enter one
Step improves the reliability of identification, can preferably be applied to clearing occasion, lifts the accuracy of clearing.
Embodiment three：
Based on previous embodiment, this gives a kind of specific application scenarios.The application scenarios are more complete
Illustrate a kind of front and rear flow settled accounts using preceding method.In the method, biological information is set to be facial special
Seek peace vocal print feature, on the basis of using living things feature recognition, will also settle accounts keyword and include the Consideration of identification.
A kind of particular flow sheet of settlement method shown in Figure 3, this method comprise the following steps：
Step S302, consumer pass through personal terminal typing mug shot, sound and clearing keyword.Personal terminal can be with
For mobile phone, computer etc..Wherein, settle accounts the quantity of keyword can set it is multiple.
Step S304, personal terminal carry out feature extraction processing to mug shot and sound, obtain facial characteristics and vocal print
Feature.This mode, which preferably omits high in the clouds and need to carry out feature to everyone raw information (mug shot, sound etc.), to be carried
The cumbersome processing links taken, the calculating pressure in high in the clouds is alleviated, improves the processing speed in high in the clouds, while also save high in the clouds
Memory space.Further, since the raw information of consumer is not uploaded to high in the clouds, it can also preferably safeguard that consumer's is hidden
Private, lift security.
Step S306, personal terminal are uploaded to cloud database after encrypting facial characteristics, vocal print feature and clearing keyword.
By cipher mode, individual privacy can be further protected, effectively lifts security.Wherein, cloud database is specifically equivalent to preceding
The identity database in embodiment is stated, the identity database is arranged at high in the clouds.
Step S308, consumer enter non-contact type clearing occasion.Generally, non-contact type clearing occasion is set up by hotel owner,
For being settled accounts to the spending amount of consumer.It is first-class for realizing that machine regards that non-contact type clearing occasion is provided with shooting
The equipment of feel, also there is microphone etc. to be used to gather the equipment that sound carries out Application on Voiceprint Recognition.
Step S310, consumer say clearing keyword.Such as, the clearing keyword can be " checking " etc., can also
For more unique vocabulary such as " zebra ", to improve the reliability that checking is identified by settling accounts keyword.
Step S312, the vocal print feature and clearing keyword of microphone collection consumer.Microphone says clearing in consumer
The acoustic information of consumer can be gathered during keyword, backstage (phase is uploaded to after extracting vocal print feature and clearing keyword
When in high in the clouds).
Step S314, camera gather the facial characteristics of consumer.Camera enters contactless clearing occasion in consumer
When consumer can be taken pictures, to gather the facial information of consumer, extract and backstage be uploaded to after facial characteristics.
Step S316, the vocal print feature of collection, facial characteristics and clearing keyword are compared with cloud database from the background,
Identify the identity of the consumer.Identification is normal, performs step S318；Identification is abnormal, then performs step S320.If None- identified
Go out the identity of consumer, the consumer is probably not registered in advance, and now then identification is abnormal.
Step S318, complete clearing, and voice message.
Step S320, clearing failure, and voice message.
By the above-mentioned means, consumer carries out troublesome operation in clearing, without bank card, mobile phone etc., connect in nothing
It can complete to settle accounts in the case of touching unaware, the significant increase convenience and user experience of customer transaction.
Example IV：
For the settlement method provided in embodiment two, the embodiments of the invention provide a kind of checkout apparatus, referring to Fig. 4
A kind of structured flowchart of shown checkout apparatus, including：
Collection apparatus module 402, for gathering a variety of biological informations of destination object；
Identity determining module 404, for a variety of biological informations of the destination object according to collection, determine destination object
Identity information；
Settlement module 406, for the identity information based on destination object, the spending amount of the destination object to getting enters
Row clearing.
Above-mentioned checkout apparatus provided in an embodiment of the present invention, according to a variety of biological informations of the destination object collected
The identity information of the destination object is determined, and then the identity information based on the destination object is settled accounts.This mode need not disappear
The person of expense carries the outer means of payment of the bodies such as bank card, mobile phone, and businessman can determine that by the biological information of consumer to disappear
The identity of the person of expense, so as to directly being settled accounts accordingly based on the identity, the significant increase convenient degree of transaction and Consumer's Experience.
In one embodiment, biological information includes figure and features characteristic information, and collection apparatus module 402 is used for：It is logical
Cross the figure and features characteristic information of image acquisition device destination object；Figure and features characteristic information includes facial information, iris information, referred to
It is a variety of in line information, bone information and gait information.
In another embodiment, biological information includes figure and features characteristic information and acoustic information, collection apparatus mould
Block 402 is used for：Pass through the figure and features characteristic information of image acquisition device destination object；Figure and features characteristic information, which includes face, to be believed
One or more in breath, iris information, finger print information, bone information and gait information；Mesh is gathered by voice collection device
Mark the acoustic information of object；Acoustic information includes voiceprint.
In one embodiment, identity determining module 404 can include identity determination unit, for the mesh according to collection
A variety of biological informations of object, and the identity information and the corresponding relation of biological information prestored are marked, it is determined that
The identity information of destination object.
In one embodiment, above-mentioned identity determination unit is used for：By a variety of biological characteristics of the destination object of collection
A variety of biological information progress are corresponding corresponding to information and each identity information in the identity database pre-established compares,
Obtain the similarity of destination object and each identity information in identity database；Judge that the peak of similarity is no higher than default
Threshold value；If it is, determine the identity information that identity information corresponding to the peak of similarity is destination object.
On the basis of above-mentioned embodiment, a kind of mode for building above-mentioned identity database is present embodiments provided, on
Stating device also includes following module：
Receiving module, for receiving identity information that user terminal uploads in an encrypted form and corresponding with identity information
A variety of biological informations；Wherein, biological information is that user terminal extracts what is obtained from the log-on message of user；Registration
Information includes figure information and acoustic information；
Deciphering module, for decryption identity information and a variety of biological informations corresponding with identity information；
Database sharing module, for special based on a variety of biologies corresponding to each identity information after decryption and each identity information
Levy information architecture identity database.
In another embodiment, identity determining module 404 includes such as lower part：
First determining unit, a variety of biological informations and the identity that prestores for the destination object according to collection
The corresponding relation of information and biological information, determine that the first of destination object determines identity information；
Keyword acquiring unit, for obtaining the clearing keyword of destination object；
Authentication unit, it is whether correct for just determining identity information according to the checking of clearing keyword；
Identity determination unit, if for correct, it is determined that just determining the identity information that identity information is destination object.
In the specific implementation, keyword acquiring unit is used for：The sound that destination object is gathered by voice collection device is believed
Breath；The clearing keyword of destination object is extracted from the acoustic information of destination object；Or target pair is obtained by default terminal
As the clearing keyword inputted with written form.
Authentication unit is used for：According to the identity information and the corresponding relation of keyword pre-established, search and just determine identity letter
Keyword corresponding to breath；Judge the clearing keyword Keywords matching whether corresponding with just determining identity information of extraction；If it is,
It is determined that it is correct just to determine identity information.
Further, above-mentioned settlement module 406 is additionally operable to：Identity information based on destination object, it is advance to search destination object
The account of registration；The spending amount of destination object is obtained by settlement system；Deducted in the account registered in advance from destination object
The spending amount of destination object.
The device that the present embodiment is provided, its realization principle and caused technique effect are identical with previous embodiment, for letter
Describe, device embodiment part does not refer to part, refers to corresponding contents in preceding method embodiment.
Embodiment five：
The embodiments of the invention provide a kind of settlement system, the system includes：Collection apparatus device, processor and storage dress
Put；
Collection apparatus device, for gathering the biological information of destination object；
Computer program is stored with storage device, computer program is performed when being run by processor as preceding method is real
Apply the settlement method that example is provided.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description
Specific work process, may be referred to the corresponding process in preceding method embodiment, will not be repeated here.
Further, the present embodiment additionally provides a kind of computer-readable recording medium, on the computer-readable recording medium
Computer program is stored with, the computer program performs the clearing that above-mentioned preceding method embodiment is provided when being run by processor
The step of method.
Settlement method that the embodiment of the present invention is provided, the computer program product of apparatus and system, including store journey
The computer-readable recording medium of sequence code, the instruction that described program code includes can be used for performing institute in previous methods embodiment
The method stated, specific implementation can be found in embodiment of the method, will not be repeated here.
If the function is realized in the form of SFU software functional unit and is used as independent production marketing or in use, can be with
It is stored in a computer read/write memory medium.Based on such understanding, technical scheme is substantially in other words
The part to be contributed to prior art or the part of the technical scheme can be embodied in the form of software product, the meter
Calculation machine software product is stored in a storage medium, including some instructions are causing a computer equipment (can be
People's computer, server, or network equipment etc.) perform all or part of step of each embodiment methods described of the present invention.
And foregoing storage medium includes：USB flash disk, mobile hard disk, read-only storage (ROM, Read-Only Memory), arbitrary access are deposited
Reservoir (RAM, Random Access Memory), magnetic disc or CD etc. are various can be with the medium of store program codes.
Finally it should be noted that：Embodiment described above, it is only the embodiment of the present invention, to illustrate the present invention
Technical scheme, rather than its limitations, protection scope of the present invention is not limited thereto, although with reference to the foregoing embodiments to this hair
It is bright to be described in detail, it will be understood by those within the art that：Any one skilled in the art
The invention discloses technical scope in, it can still modify to the technical scheme described in previous embodiment or can be light
Change is readily conceivable that, or equivalent substitution is carried out to which part technical characteristic；And these modifications, change or replacement, do not make
The essence of appropriate technical solution departs from the spirit and scope of technical scheme of the embodiment of the present invention, should all cover the protection in the present invention
Within the scope of.Therefore, protection scope of the present invention should be based on the protection scope of the described claims.
Claims (13)
- A kind of 1. settlement method, it is characterised in that including：Gather a variety of biological informations of destination object；According to a variety of biological informations of the destination object of collection, the identity information of the destination object is determined；Based on the identity information of the destination object, the spending amount of the destination object to getting is settled accounts.
- 2. according to the method for claim 1, it is characterised in that the biological information includes figure and features characteristic information, institute The step of stating a variety of biological informations of collection destination object, including：Pass through the figure and features characteristic information of destination object described in image acquisition device；The figure and features characteristic information, which includes face, to be believed It is a variety of in breath, iris information, finger print information, bone information and gait information.
- 3. according to the method for claim 1, it is characterised in that the biological information includes figure and features characteristic information harmony Message cease, it is described collection destination object a variety of biological informations the step of, including：Pass through the figure and features characteristic information of destination object described in image acquisition device；The figure and features characteristic information, which includes face, to be believed One or more in breath, iris information, finger print information, bone information and gait information；The acoustic information of the destination object is gathered by voice collection device；The acoustic information includes voiceprint.
- 4. according to the method for claim 1, it is characterised in that a variety of biologies of the destination object according to collection Characteristic information, the step of determining the identity information of the destination object, including：According to a variety of biological informations of the destination object of collection, and the identity information and biological characteristic prestored The corresponding relation of information, determine the identity information of the destination object.
- 5. according to the method for claim 4, it is characterised in that a variety of biologies of the destination object according to collection Characteristic information, and the identity information and the corresponding relation of biological information prestored, determine the body of the destination object The step of part information, including：By each identity in a variety of biological informations of the destination object of collection and the identity database pre-established A variety of biological informations are accordingly compared corresponding to information, obtain the destination object with it is each in the identity database The similarity of the individual identity information；Judge that the peak of the similarity is no and be higher than predetermined threshold value；If it is, determine the identity information that identity information corresponding to the peak of the similarity is the destination object.
- 6. according to the method for claim 5, it is characterised in that methods described also includes：Receive identity information and a variety of biological characteristics corresponding with the identity information that user terminal uploads in an encrypted form Information；Wherein, the biological information is that the user terminal extracts what is obtained from the log-on message of user；The registration Information includes figure information and acoustic information；Decrypt the identity information and a variety of biological informations corresponding with the identity information；Based on described in a variety of biological information structures corresponding to each identity information after decryption and each identity information Identity database.
- 7. according to the method for claim 1, it is characterised in that a variety of biologies of the destination object according to collection Characteristic information, the step of determining the identity information of the destination object, including：According to a variety of biological informations of the destination object of collection and the identity information and biological characteristic that prestore The corresponding relation of information, determine that the first of the destination object determines identity information；Obtain the clearing keyword of the destination object；Whether correct determine identity information according at the beginning of the clearing keyword checking is described；If correct, determine described just to determine identity information of the identity information for the destination object.
- 8. according to the method for claim 7, it is characterised in that the step of the clearing keyword for obtaining the destination object Suddenly, including：The acoustic information of the destination object is gathered by voice collection device；Extracted from the acoustic information of the destination object The clearing keyword of the destination object；OrThe clearing keyword for obtaining the destination object by presetting terminal and being inputted with written form.
- 9. according to the method for claim 7, it is characterised in that described just to determine body according to the clearing keyword checking is described The whether correct step of part information, including：According to the identity information and the corresponding relation of keyword pre-established, lookup is described just to determine key corresponding to identity information Word；Judge whether the clearing keyword of extraction with described just determines the corresponding Keywords matching of identity information；If it is, it is correct to determine identity information at the beginning of determination is described.
- 10. according to the method for claim 1, it is characterised in that the identity information based on the destination object, to getting The spending amount of destination object the step of being settled accounts, including：Based on the identity information of the destination object, destination object account registered in advance is searched；The spending amount of the destination object is obtained by settlement system；The spending amount of the destination object is deducted in the account registered in advance from the destination object.
- A kind of 11. checkout apparatus, it is characterised in that including：Collection apparatus module, for gathering a variety of biological informations of destination object；Identity determining module, for a variety of biological informations of the destination object according to collection, determine the target pair The identity information of elephant；Settlement module, for the identity information based on the destination object, to the spending amount of the destination object got Settled accounts.
- 12. a kind of settlement system, it is characterised in that the system includes：Collection apparatus device, processor and storage device；The collection apparatus device, for gathering the biological information of destination object；Computer program is stored with the storage device, the computer program is performed when being run by the processor as weighed Profit requires the method described in 1 to 10 any one.
- 13. a kind of computer-readable recording medium, computer program is stored with the computer-readable recording medium, its feature Be, when the computer program is run by processor perform any one of the claims 1 to 10 described in method the step of.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711220826.9A CN107886330A (en) | 2017-11-28 | 2017-11-28 | Settlement method, apparatus and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711220826.9A CN107886330A (en) | 2017-11-28 | 2017-11-28 | Settlement method, apparatus and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107886330A true CN107886330A (en) | 2018-04-06 |
Family
ID=61775641
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711220826.9A Pending CN107886330A (en) | 2017-11-28 | 2017-11-28 | Settlement method, apparatus and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107886330A (en) |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108806153A (en) * | 2018-06-21 | 2018-11-13 | 北京旷视科技有限公司 | Alert processing method, apparatus and system |
| CN109118242A (en) * | 2018-09-05 | 2019-01-01 | 深圳正品创想科技有限公司 | A kind of account creation method and device thereof, electronic equipment |
| CN109146629A (en) * | 2018-08-16 | 2019-01-04 | 连云港伍江数码科技有限公司 | Locking means, device, computer equipment and the storage medium of target object |
| CN109447654A (en) * | 2018-11-09 | 2019-03-08 | 银河水滴科技（北京）有限公司 | A kind of payment system based on gait feature, method and device |
| CN109685551A (en) * | 2018-12-05 | 2019-04-26 | 深圳正品创想科技有限公司 | Information processing method and its device, server and information processing system |
| CN109978552A (en) * | 2019-03-29 | 2019-07-05 | 吴伟运 | A kind of payment processing method, device and the equipment of identity-based card information |
| CN110880116A (en) * | 2018-09-06 | 2020-03-13 | 北京京东尚科信息技术有限公司 | Sound box and transaction method |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104270338A (en) * | 2014-09-01 | 2015-01-07 | 刘文印 | A method and system of electronic identity registration and authentication login |
| WO2016095564A1 (en) * | 2014-12-15 | 2016-06-23 | 中兴通讯股份有限公司 | Identity verification method and device |
| CN106296199A (en) * | 2016-07-12 | 2017-01-04 | 刘洪文 | Payment based on living things feature recognition and identity authorization system |
| CN107194698A (en) * | 2017-05-18 | 2017-09-22 | 周美琳 | A kind of intelligent payment method and system |
| CN107230083A (en) * | 2017-07-25 | 2017-10-03 | 陈景银 | The identification of internet intelligent individual information fingerprint, fingerprint are paid |
| CN107332668A (en) * | 2017-06-05 | 2017-11-07 | 国政通科技股份有限公司 | A kind of method and apparatus for handling encrypted message |
-
2017
- 2017-11-28 CN CN201711220826.9A patent/CN107886330A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104270338A (en) * | 2014-09-01 | 2015-01-07 | 刘文印 | A method and system of electronic identity registration and authentication login |
| WO2016095564A1 (en) * | 2014-12-15 | 2016-06-23 | 中兴通讯股份有限公司 | Identity verification method and device |
| CN106296199A (en) * | 2016-07-12 | 2017-01-04 | 刘洪文 | Payment based on living things feature recognition and identity authorization system |
| CN107194698A (en) * | 2017-05-18 | 2017-09-22 | 周美琳 | A kind of intelligent payment method and system |
| CN107332668A (en) * | 2017-06-05 | 2017-11-07 | 国政通科技股份有限公司 | A kind of method and apparatus for handling encrypted message |
| CN107230083A (en) * | 2017-07-25 | 2017-10-03 | 陈景银 | The identification of internet intelligent individual information fingerprint, fingerprint are paid |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108806153A (en) * | 2018-06-21 | 2018-11-13 | 北京旷视科技有限公司 | Alert processing method, apparatus and system |
| CN109146629A (en) * | 2018-08-16 | 2019-01-04 | 连云港伍江数码科技有限公司 | Locking means, device, computer equipment and the storage medium of target object |
| CN109146629B (en) * | 2018-08-16 | 2020-11-27 | 连云港伍江数码科技有限公司 | Target object locking method and device, computer equipment and storage medium |
| CN109118242A (en) * | 2018-09-05 | 2019-01-01 | 深圳正品创想科技有限公司 | A kind of account creation method and device thereof, electronic equipment |
| CN110880116A (en) * | 2018-09-06 | 2020-03-13 | 北京京东尚科信息技术有限公司 | Sound box and transaction method |
| CN109447654A (en) * | 2018-11-09 | 2019-03-08 | 银河水滴科技（北京）有限公司 | A kind of payment system based on gait feature, method and device |
| CN109685551A (en) * | 2018-12-05 | 2019-04-26 | 深圳正品创想科技有限公司 | Information processing method and its device, server and information processing system |
| CN109978552A (en) * | 2019-03-29 | 2019-07-05 | 吴伟运 | A kind of payment processing method, device and the equipment of identity-based card information |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN107886330A (en) | Settlement method, apparatus and system | |
| US20210173916A1 (en) | Systems and methods for dynamic passphrases | |
| CN110582789A (en) | System and method for biometric transaction management | |
| CN110166438B (en) | Account information login method and device, computer equipment and computer storage medium | |
| Tanwar et al. | Online signature-based biometric recognition | |
| CN106713255B (en) | User information management method and system | |
| JP2005507127A (en) | Security access system | |
| JP2020525964A (en) | Face biometrics card emulation for in-store payment authorization | |
| US20170116602A1 (en) | Biometric verification systems and methods for payment transactions | |
| CN111539740A (en) | Payment method, device and equipment | |
| US20190057390A1 (en) | Biometric system for authenticating a biometric request | |
| US10504117B2 (en) | Methods, systems, and articles of manufacture for fingerprinting signatures and enhanced signature capturing for charge card transactions on mobile communication devices | |
| US20160063504A1 (en) | Method and system for implementing biometric authenticated transactions | |
| Kumar et al. | A brief introduction of biometrics and fingerprint payment technology | |
| JP2023052065A (en) | Method and system of safe payment | |
| US11651371B2 (en) | Zero-step user recognition and biometric access control | |
| RU143577U1 (en) | DEVICE FOR PAYING GOODS AND SERVICES USING CUSTOMER'S BIOMETRIC PARAMETERS | |
| WO2015167780A3 (en) | Method and system for preventing fraud | |
| CN115880786A (en) | Method, device and equipment for detecting living human face based on channel attention | |
| CN104573626A (en) | Canteen card system adopting fingerprint recognition technology | |
| Prianyshnykova et al. | ENSURING BANKS’COMPETITIVENESS BY THE IMPLEMENTATION OF INNOVATIVE PAYMENT SYSTEMS | |
| CN110807660A (en) | Bill data processing method, system, device and medium based on biological recognition | |
| Shukla et al. | Secure OTP Generated Hand Gesture Online Transaction Using CNN. | |
| TWI676145B (en) | Online review method and system | |
| CN117523683B (en) | Fraud video detection method based on biological feature recognition |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20180406 |