CN108038690B

CN108038690B - Payment method, payment device and readable storage medium

Info

Publication number: CN108038690B
Application number: CN201711244602.1A
Authority: CN
Inventors: 张水发
Original assignee: Beijing Xiaomi Mobile Software Co Ltd
Current assignee: Beijing Xiaomi Mobile Software Co Ltd
Priority date: 2017-11-30
Filing date: 2017-11-30
Publication date: 2020-11-10
Anticipated expiration: 2037-11-30
Also published as: CN108038690A

Abstract

The disclosure relates to a payment method, a payment device and a readable storage medium. By adopting the payment method provided by the embodiment of the disclosure, when the server receives a payment request, the server acquires the first action image of the user and the first password information input by the user, then, the account corresponding to the first action image is determined according to the first action image, and finally, when the first password information is matched with the password information of the account, the payment can be confirmed. That is, in the payment process, the user does not need to pay through entities such as a bank card, a POS terminal, or a terminal device, and only needs to execute the created payment action and input the password of the account, thereby realizing the payment operation. Therefore, the defect that the user cannot pay due to the fact that the user forgets to carry the bank card and the mobile terminal or a merchant cannot provide the POS terminal can be avoided.

Description

Payment method, payment device and readable storage medium

Technical Field

The present disclosure relates to the field of image processing, and in particular, to a payment method, a payment device, and a readable storage medium.

Background

With the development of science and technology and the popularization and application of terminal equipment, the demand of people on payment modes is higher and higher, the traditional cash payment mode which may need self-supply change or refund change is replaced, and people prefer to realize payment quickly and conveniently by a payment mode which does not need self-supply or refund change. Under the demand, the modes of bank card payment and online payment are produced.

The payment of the bank card needs to be completed by means of a point of sale (POS) terminal, for example, in a shop, a supermarket, an airport, a hotel or any occasion with a POS terminal, and the user only needs to insert the bank card into the POS terminal and input the password of the bank card. The online payment can transfer the amount to be paid to the merchant through the applications such as the Payment treasure, the WeChat and the QQ, for example, a user opens the Payment treasure application on the terminal of the user, scans the two-dimensional code of the Payment treasure account number of the payer, can search the Payment treasure account number of the merchant, and then transfers the amount to be paid to the merchant, and the payment is completed.

Therefore, the mode of bank card payment and online payment does not need to prepare or return change, and the payment can be realized quickly and conveniently.

Disclosure of Invention

To overcome the problems in the related art, the present disclosure provides a payment method, apparatus, and readable storage medium.

According to a first aspect of embodiments of the present disclosure, there is provided a payment method, including:

when a payment request is received, acquiring a first action image of a user and first password information input by the user;

determining an account corresponding to the motion characterized by the first motion image;

and if the first password information is matched with the password information of the account, confirming payment.

Optionally, the method further comprises:

when an action creating request is received, acquiring an image of the user and an account of the user;

identifying the user-created action from the image of the user;

and when the action which conflicts with the action created by the user does not exist in the database, establishing the corresponding relation between the action created by the user and the account of the user.

Optionally, after the user-created action is recognized in the image of the user, the method further comprises:

extracting new feature information of the sub-images used for representing the actions created by the user in the user image, and extracting stored feature information of the sub-images used for representing all the actions in a database;

obtaining a first inverted index table corresponding to the newly-built feature information and a second inverted index table corresponding to the stored feature information through N layers of multi-way trees, wherein N is an integer greater than or equal to 2;

and if the index items included in the first inverted index table are different from the index items included in the second inverted index table, determining that no action which conflicts with the action created by the user exists in the database.

Optionally, the method further comprises:

and if the index items included in the first inverted index table are the same as the index items included in the second inverted index table, adding a layer on the N-layer multi-branch tree to update the first inverted index table and the second inverted index table.

Optionally, if the index entry included in the first inverted index table is the same as the index entry included in the second inverted index table, adding a layer to the N-layer multi-branch tree to update the first inverted index table and the second inverted index table, including:

if the index items included in the first inverted index table are the same as the index items included in the second inverted index table, determining common characteristic information and distinguishing characteristic information of the characteristic information corresponding to the two inverted index tables according to the characteristic information corresponding to the two identical inverted index tables;

corresponding the common characteristic information to an index item represented by the last layer of the N-layer multi-branch tree;

and adding a layer on the last layer of the N layers of multi-way trees, and corresponding the distinguishing characteristic information with the index item represented by the newly added layer so as to update the first inverted index table and the second inverted index table.

Optionally, determining an account corresponding to the motion characterized by the first motion image comprises:

extracting target characteristic information of a sub-image used for representing actions in the first action image;

obtaining a third inverted index table corresponding to the target characteristic information through the N layers of multi-way trees;

determining a corresponding inverted index table from the database as a first target action of the third inverted index table;

and determining an account corresponding to the first target action.

Optionally, the method further comprises:

determining a payment amount corresponding to the action represented by the first action image;

if the first password information matches the password information of the account, confirming payment, including:

when the first password information is matched with the password information of the account, determining whether the payment amount requested by the payment request is smaller than the payment amount;

and confirming the payment when the payment amount is smaller than the payment amount.

Optionally, the method further comprises:

when a request for adjusting the payment amount is obtained, a second action image of the user and second password information input by the user are obtained;

determining that a second target action identical to the action represented by the second action image exists in the database, and determining an account corresponding to the second target action;

and if the second password information is matched with the password information of the account, adjusting the payment amount.

Optionally, the password information of the account is preset biometric information of the account; when a payment request is received, first password information input by the user is acquired, and the method comprises the following steps:

when a payment request is received, obtaining the biological characteristic information of the user;

and if the biological characteristic information of the user is matched with the preset biological characteristic information of the account, confirming payment.

According to a second aspect of embodiments of the present disclosure, there is provided a payment apparatus, the apparatus comprising:

the payment processing device comprises a first acquisition module, a second acquisition module and a payment processing module, wherein the first acquisition module is configured to acquire a first action image of a user and first password information input by the user when a payment request is received;

a first determination module configured to determine an account corresponding to the motion characterized by the first motion image;

a first confirmation module configured to confirm payment if the first cryptographic information matches the cryptographic information of the account.

Optionally, the apparatus further comprises:

the second acquisition module is configured to acquire the image of the user and the account of the user when receiving the creating action request;

a first recognition module configured to recognize the user-created action from an image of the user;

the first establishing module is configured to establish a corresponding relation between the action created by the user and the account of the user when no action which conflicts with the action created by the user exists in a database.

Optionally, the apparatus further comprises:

the first extraction module is configured to extract newly-created feature information of sub-images used for representing actions created by the user in the user image and extract stored feature information of the sub-images used for representing all actions in a database;

a third obtaining module, configured to obtain, through N layers of multi-way trees, a first inverted index table corresponding to the newly-created feature information and a second inverted index table corresponding to the stored feature information, where N is an integer greater than or equal to 2;

a second determining module configured to determine that there is no action in the database that conflicts with the action created by the user if the index entry included in the first inverted index table is different from the index entry included in the second inverted index table.

Optionally, the apparatus further comprises:

a first updating module configured to add a layer on the N-layer multi-branch tree to update the first inverted index table and the second inverted index table if the index entry included in the first inverted index table is the same as the index entry included in the second inverted index table.

Optionally, the first updating module includes:

the determining submodule is configured to determine common characteristic information and distinguishing characteristic information of the characteristic information corresponding to the two reverse index tables according to the characteristic information corresponding to the two same reverse index tables if the index items included in the first reverse index table are the same as the index items included in the second reverse index table;

a first corresponding sub-module configured to correspond the common characteristic information with an index item characterized by a last layer of the N-layer multi-way tree;

and the second corresponding sub-module is configured to add a layer on the last layer of the N-layer multi-branch tree and correspond the distinguishing characteristic information with the index item represented by the newly added layer so as to update the first inverted index table and the second inverted index table.

Optionally, the first determining module includes:

an extraction sub-module configured to extract target feature information of a sub-image used for characterizing a motion in the first motion image;

the obtaining submodule is configured to obtain a third inverted index table corresponding to the target feature information through the N layers of multi-way trees;

a first determining submodule configured to determine, from the database, that the corresponding inverted index table is a first target action of the third inverted index table;

a second determining submodule configured to determine an account corresponding to the first target action.

Optionally, the apparatus further comprises:

a third determination module configured to determine a payment amount corresponding to the action represented by the first action image;

accordingly, the first confirmation module comprises:

a third determining sub-module configured to determine whether the payment amount requested by the payment request is less than the payment amount when the first password information matches the password information of the account;

a first confirmation submodule configured to confirm payment when the payment amount is less than the payment amount.

Optionally, the apparatus further comprises:

the fourth acquisition module is configured to acquire a second action image of the user and second password information input by the user when a request for adjusting the payment amount is obtained;

a fourth determination module configured to determine that a second target action identical to the action represented by the second action image exists in the database, and determine an account corresponding to the second target action;

and the limit adjusting module is configured to adjust the payment limit if the second password information is matched with the password information of the account.

Optionally, the password information of the account is preset biometric information of the account; the first obtaining module comprises:

an acquisition submodule configured to acquire biometric information of the user upon receipt of a payment request;

accordingly, the first confirmation module comprises:

a second confirmation sub-module configured to confirm payment if the biometric information of the user matches the preset biometric information of the account.

According to a third aspect of embodiments of the present disclosure, there is provided a payment apparatus including:

a processor;

a memory for storing processor-executable instructions;

wherein the processor is configured to:

According to a fourth aspect of embodiments of the present disclosure, there is provided a computer readable storage medium having stored thereon computer program instructions which, when executed by a processor, implement the steps of a payment method provided by the first aspect of the present disclosure.

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

by adopting the payment method provided by the embodiment of the disclosure, when the server receives a payment request, the server acquires the first action image of the user and the first password information input by the user, then, the account corresponding to the first action image is determined according to the first action image, and finally, when the first password information is matched with the password information of the account, the payment can be confirmed. That is, in the payment process, the user does not need to pay through entities such as a bank card, a POS terminal, or a terminal device, and only needs to execute the created payment action and input the password of the account, thereby realizing the payment operation. Therefore, the defect that the user cannot pay due to the fact that the user forgets to carry the bank card and the mobile terminal or a merchant cannot provide the POS terminal can be avoided.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and together with the description, serve to explain the principles of the disclosure.

FIG. 1 is a flow diagram illustrating a method of granting payment rights to an action according to an exemplary embodiment.

FIG. 2 is another flow diagram illustrating a method of granting payment rights to an action according to an exemplary embodiment.

FIG. 3 is another flow diagram illustrating a method of granting payment rights to an action according to an exemplary embodiment.

FIG. 4 is a flow chart illustrating a method of payment in accordance with an exemplary embodiment.

Fig. 5 is a flowchart illustrating a payment method including step S42 according to an example embodiment.

FIG. 6 is another flow chart illustrating a method of payment in accordance with an exemplary embodiment.

FIG. 7 is a flow diagram illustrating a method of adjusting a payment amount, according to an example embodiment.

FIG. 8 is another flow chart illustrating a method of payment in accordance with an exemplary embodiment.

FIG. 9 is a block diagram illustrating a payment device according to an exemplary embodiment.

FIG. 10 is a block diagram illustrating an apparatus for granting payment rights to an action, according to an example embodiment.

FIG. 11 is another block diagram illustrating an apparatus for granting payment rights to an action, according to an example embodiment.

FIG. 12 is another block diagram illustrating an apparatus for granting payment rights to an action, according to an example embodiment.

FIG. 13 is a block diagram illustrating a first update module in an apparatus for granting payment to an action according to an example embodiment.

FIG. 14 is a block diagram illustrating a first determination module of a payment device in accordance with an exemplary embodiment.

FIG. 15 is another block diagram illustrating a payment device in accordance with an exemplary embodiment.

FIG. 16 is a block diagram illustrating an apparatus for adjusting payment amount according to an exemplary embodiment.

FIG. 17 is another block diagram illustrating a payment device in accordance with an exemplary embodiment.

FIG. 18 is a block diagram illustrating a payment device according to an exemplary embodiment.

Detailed Description

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the exemplary embodiments below are not intended to represent all implementations consistent with the present disclosure. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present disclosure, as detailed in the appended claims.

Generally, when a user uses a bank card to pay, the user needs to provide the bank card and a merchant provides a POS terminal to pay, and if the user forgets to carry the bank card or the merchant cannot provide the POS terminal, the user cannot pay. Similarly, when the user pays in an online payment mode, the user needs to install a payment APP (for example, Payment treasure, WeChat QQ and the like) on the terminal device to transfer the amount to be paid to the account of the merchant, and if the user does not carry the terminal device, the user cannot pay.

Therefore, in order to avoid the disadvantage that the user cannot pay when forgetting to carry the bank card or the terminal device, and the user can also complete payment without the bank card or the terminal device, the embodiment of the disclosure provides a payment method, and when the server obtains that the action of the user is consistent with the established payment action, and the password input by the user is consistent with the password of the account corresponding to the established payment action, payment can be confirmed. By the method, the user can complete payment without carrying entities such as bank cards, terminal equipment and the like. The following is a description of a payment method provided by an embodiment of the present disclosure.

Firstly, before payment, payment authority needs to be given to the action, namely, the corresponding relation between the action and the account number of the user is established. Referring to FIG. 1, FIG. 1 is a flow diagram illustrating a method for granting payment rights to an action according to an exemplary embodiment. As shown in fig. 1, the method of granting payment authority to an action includes the following steps.

In step S11, upon receiving the create action request, the image of the user and the account of the user are acquired.

In step S12, the user-created action is recognized from the image of the user.

In step S13, if there is no action in the database that conflicts with the user-created action, a correspondence between the user-created action and the account of the user is established.

In the embodiment of the present disclosure, the action may include a change of an expression action, a change of a limb action, and the like, and in a general case, the user may reproduce the action according to the expression or the change of the limb, and thus, payment may be implemented by using a customized action.

The create action request refers to a request for creating a payment action, and the user can send the create action request to the server by manually pressing a preset create action request button, or can send the create action request to the server by inputting a preset create action request password through voice.

First, in step S11, the server may receive a create operation request from the user triggered by a preset create operation request button, or may receive a create operation request from the user triggered by a preset create operation request password. When the server receives the user's create action request, the user's image and the user's account may be acquired. The image of the user not only comprises an image used for representing the action created by the user, but also the account of the user is an account for paying the amount of money required to be paid when the user pays.

Next, in step S12, the action created by the user is recognized in the acquired image of the user, and in step S13, the recognized action created by the user is compared with the actions in the database, and if the action created by the user is different from the actions in the database, it is considered that there is no action in the database that conflicts with the action created by the user, and a correspondence between the action created by the user and the account of the user is established, that is, the payment authority is given to the action created by the user, wherein the database stores all the sub-images of the actions for payment that have been successfully created.

Optionally, after the corresponding relationship between the action created by the user and the account of the user is established, the user may further give a payment amount to the action created by the user, that is, when the action payment is performed, the amount paid cannot exceed the payment amount.

Referring optionally to FIG. 2, FIG. 2 is another flow diagram illustrating a method of granting payment rights to an action according to an exemplary embodiment. As shown in fig. 2, after step S12, the following steps are also included.

In step S14, new feature information of the sub-images in the user' S image used to characterize the user-created actions is extracted, and stored feature information of the sub-images in the database used to characterize the respective actions is extracted.

In step S15, a first inverted index table corresponding to the new feature information and a second inverted index table corresponding to the stored feature information are obtained through N-level multi-way trees, where N is an integer greater than or equal to 2.

In step S16, if the index entry included in the first inverted index table is different from the index entry included in the second inverted index table, it is determined that there is no action in the database that conflicts with the action created by the user.

The user's image not only contains the sub-image of the action created by the user, but also contains the sub-image of the scene used to represent the user when creating the action. In practical applications, a user may perform a payment operation in different scenes, but is not limited to perform the payment operation in the scene represented in the image of the user, and therefore, when a payment authority is granted to an action created by the user, in order to reduce the workload of the server and meet the requirement of the user to perform the payment operation in different scenes, only a sub-image used for representing the action created by the user in the image of the user needs to be considered in the embodiment of the present disclosure, and a sub-image used for representing the scene represented in the image of the user does not need to be considered.

In addition, the database stores the sub-images of the successfully created actions by storing the feature information of the successfully created action sub-images, wherein each action sub-image stored in the database corresponds to one set of feature information, and the set of feature information corresponding to different actions is different, that is, each set of feature information can only be used for representing one action sub-image.

In the embodiment of the present disclosure, after the server identifies the action created by the user in the image of the user, new feature information of a sub-image used for representing the action created by the user may be further extracted from the image of the user, and stored feature information used for representing each action sub-image may be extracted from the database.

For example, the feature information may be SIFT (Scale-invariant feature transform) feature information, and the SIFT feature information has size invariance, and even when the brightness of the image and the shooting angle are changed, the extracted SIFT feature has certain stability. Therefore, in order to ensure that the extracted feature information is not affected by the shooting angle and the image brightness, so that the payment operation can not be affected by the environment when the motion image is acquired, in the embodiment of the disclosure, when the motion is created, the newly-created SIFT feature information of the sub-image used for representing the motion created by the user can be extracted from the image of the user.

Then, after extracting the feature information, establishing N layers of multi-branch trees, mapping new feature information extracted from the image of the user to the N layers of multi-branch trees to obtain a first inverted index table corresponding to the new feature information, and similarly, mapping a plurality of groups of stored feature information extracted from the database to the N layers of multi-branch trees to obtain a second inverted index table corresponding to the stored feature information, wherein N is an integer greater than or equal to 2.

Finally, comparing the index items in the first inverted index table with the index items in the second inverted index table one by one, and if the index items in the first inverted index table are different from the index items in the second inverted index table, it can be considered that there is no action in the database that conflicts with the action created by the user, that is, the action is not stored in the database and does not establish a correspondence relationship with other accounts. Further, step S13 may be executed to establish a corresponding relationship between the action created by the user and the account of the user, that is, to assign payment authority to the action created by the user.

Optionally, referring to FIG. 3, FIG. 3 is another flow diagram illustrating a method of granting payment rights to an action according to an exemplary embodiment. As shown in fig. 3, the method of granting payment authority for an action further includes the following steps.

In step S17, if the index entries included in the first inverted index table are the same as the index entries included in the second inverted index table, adding a layer to the N-layer multi-way tree to update the first inverted index table and the second inverted index table.

Optionally, step S17 includes the steps of:

When the index items included in the first inverted index table are the same as the index items included in the second inverted index table, the feature information corresponding to each of the two identical inverted index tables is further subdivided to find common feature information and distinguishing feature information between the two identical feature information (i.e., the newly created feature information and the stored feature information), then the common feature information corresponds to the index item characterized by the last layer of the N-layer multi-way tree, and in order to characterize the distinguishing feature information, a layer is added to the last layer of the N-layer multi-way tree, and the distinguishing feature information corresponds to the index item characterized by the newly added layer, so as to update the two identical inverted index tables.

For example, assuming that the action created by the user is a "right-handed scissor action" and the action of "left-handed scissor action" already exists in the database, the new feature information for characterizing the action created by the user is mapped into the two-layer multi-way tree, and the obtained first inverted index table includes the index entries: the hand and the scissor hand map the stored feature information into the two-layer multi-way tree, and the obtained index entry included in the second inverted index table is also: the hand and the scissor hand are used, at this time, the index item included in the first inverted index table is the same as the index item included in the second inverted index table, and it is necessary to subdivide from the extracted new feature information whether the finger executing the scissor hand belongs to a left-hand finger or a right-hand finger, and at the same time, add a layer on the original layer of the multi-way tree to obtain a three-layer multi-way tree, and map the new feature information and the stored feature information to the three-layer multi-way tree respectively to obtain an updated first inverted index table and an updated second inverted index table, where the updated first inverted index table includes index items: the updated second inverted index table comprises index items as follows: and if the hand, the scissor hand and the left hand are used, the index items included in the updated first inverted index table are different from the index items included in the updated second inverted index table. Thus, the action of the "right-hand scissor hand" is stored in the database, and after determining that there is no action in the database that conflicts with the action created by the user, step S13 is executed to store the action created by the user in the database and establish a correspondence between the action created by the user and the account of the user, that is, to give payment authority to the action created by the user.

If the action created by the user next time is the 'right-hand scissor hand', the index item included in the first inverted index table corresponding to the corresponding newly-created feature information is still the same as the index item included in the second inverted index table in the updated database, at this time, the opening angle of the two fingers of the 'right-hand scissor hand' can be subdivided from the newly-created feature information this time, meanwhile, one layer is added on the basis of three layers of multi-fork numbers to update the first inverted index table and the second inverted index table again, so that no action which conflicts with the action created by the user exists in the database, then step S13 is executed, the action created by the user is stored in the database, and the corresponding relationship between the action created by the user and the account of the user is established, that is, the payment authority is given to the action created by the user.

By adopting the method for endowing payment authority to the created action, the inverted index table corresponding to the characteristic information can be quickly obtained through the N layers of multi-branch trees, and the characteristic comparison is convenient. Meanwhile, when the created action conflicts with the action stored in the database, a conflict solution mechanism can be established by using the method of increasing the layer number on the N layers of multi-branch trees, and the user experience is improved.

After the payment action creation is completed, the user can implement the payment method provided by the disclosed embodiments by performing the action. Referring to fig. 4, fig. 4 is a flow chart illustrating a method of payment according to an exemplary embodiment. As shown in fig. 4, the payment method provided by the embodiment of the present disclosure includes the following steps.

In step S41, upon receiving a payment request, a first motion image of a user and first password information input by the user are acquired.

In step S42, an account corresponding to the motion characterized by the first motion image is determined.

In step S43, if the first password information matches the password information of the account, payment is confirmed.

In the disclosed embodiment, the payment request refers to a request for paying the amount to be paid to the merchant after the user and the merchant determine the amount to be paid. The payment request can be realized by manually triggering a preset payment request button, or by inputting a preset payment request password through voice.

When a user wants to pay, a payment request can be sent out, when the server receives the payment request, a feedback signal can be sent out to prompt the user to execute a payment operation, namely, the user is prompted to execute a payment action created by the user to pay, meanwhile, the server starts an image acquisition mode to acquire an action image of the user, namely a first action image, prompts the user to input a payment password and acquire the password input by the user, namely first password information, and determines an account corresponding to the action represented in the first action image according to the acquired first action image.

If the first password information acquired by the server is matched with the password information of the account, the action executed by the user and the input password are described, the action and the password which establish the corresponding relationship with the account are consistent, the user who pays and the user who pays the account belong to the same person, or the user who pays is authorized by the user who pays and pays under the condition that the account is ensured to be safe.

Therefore, with the payment method provided by the embodiment of the disclosure, when receiving a payment request, the server obtains the first motion image of the user and the first password information input by the user, then determines the account corresponding to the first motion image according to the first motion image, and finally, when the first password information matches with the password information of the account, the payment can be confirmed. That is, in the payment process, the user does not need to pay through entities such as a bank card, a POS terminal, or a terminal device, and only needs to execute the created payment action and input the password of the account, thereby realizing the payment operation. Therefore, the defect that the user cannot pay due to the fact that the user forgets to carry the bank card and the mobile terminal or a merchant cannot provide the POS terminal can be avoided.

Referring to fig. 5, fig. 5 is a flowchart illustrating a payment method including step S42 according to an example embodiment. As shown in fig. 5, step S42 specifically includes the following steps.

In step S421, target feature information of a sub-image representing a motion in the first motion image is extracted.

In step S422, a third inverted index table corresponding to the target feature information is obtained through the N-level multi-way tree.

In step S423, the corresponding inverted index table is determined from the database as the first target action of the third inverted index table.

In step S424, an account corresponding to the first target action is determined.

As described above, since the database stores the motion by storing the feature information for representing the motion, when the account corresponding to the motion represented by the first motion image is determined, the target feature information of the sub-image for representing the motion is first extracted from the first motion image, and the target feature information is mapped to the N-level multi-way tree, so that the third inverted index table corresponding to the target feature information is obtained. Then, a first target action corresponding to the inverted index table which is the same as the index item included in the third inverted index table is determined from the database, the first target action is the same as the action represented in the first action image of the user acquired in the payment process, and finally, an account corresponding to the first target action, namely, an account corresponding to the action is determined when the action is created.

Referring to fig. 6, fig. 6 is another flow chart illustrating a method of payment according to an exemplary embodiment. As shown in fig. 6, the method further includes the following steps.

In step S44, a payment amount corresponding to the motion represented by the first motion image is determined.

Accordingly, step S43 specifically includes the following steps.

In step S431, when the first password information matches the password information of the account, it is determined whether the payment amount requested by the payment request is less than the payment amount.

In step S432, when the payment amount is smaller than the payment amount, the payment is confirmed.

In the process of giving the action payment authority, a payment amount can be set for the created action, and the maximum amount of payment is limited. Thus, after the creation action is successful, the action corresponds not only to the account, but also to the payment rating. When the user sets the payment amount, the amount can be set to be a reasonable value according to the consumption habit of the user, the consumption of the user is not influenced, and after the action and the password are leaked, the user cannot cause great economic loss to the user.

In the embodiment of the disclosure, the server determines, in addition to determining whether the account corresponding to the motion represented by the first motion image and the first password information input by the user match with the password information of the account, a payment amount corresponding to the motion, and when the first password information matches with the password information of the account, determines whether the payment amount requested by the payment request is less than the payment amount, and when the payment amount is less than the payment amount, confirms the payment. If the payment amount is greater than the payment amount, the payment fails. In addition, after the payment is confirmed, the payment amount corresponding to the action is correspondingly reduced, and the value of the amount reduction is the same as the value of the payment amount.

If the user himself/herself carries out the payment operation, the situation that the payment amount is larger than the payment amount cannot occur under the normal condition because the user knows the payment amount set by himself/herself, so that the payment operation can be rapidly realized.

Referring to FIG. 7, FIG. 7 is a flow chart illustrating a method for adjusting a payment amount according to an exemplary embodiment. As shown in fig. 7, the method includes the following steps.

In step S71, when the request for adjusting the payment amount is obtained, a second motion image of the user and second password information input by the user are obtained.

In step S72, determining that a second target motion identical to the motion represented by the second motion image exists in the database, and determining an account corresponding to the second target motion;

in step S73, if the second password information matches the password information of the account, the payment amount is adjusted.

In the embodiment of the disclosure, the payment amount corresponding to the account of the user may be adjusted according to the requirements of the user, the user may send a request for adjusting the payment amount through voice or manually, the server enters a mode for adjusting the payment amount when receiving the request, in the mode, the user needs to execute an action corresponding to the account and input password information of the account to obtain the authority for adjusting the payment amount, and after obtaining the authority for adjusting the payment amount, the user performs an operation for adjusting the payment amount.

Specifically, when the request for adjusting the payment amount is obtained, the server obtains a second action image of the user and second password information input by the user, and determines whether a second target action identical to the action represented by the second action image exists in the database. When the second target action which is the same as the action represented by the second action image exists in the database, the account corresponding to the second target action is determined, and if the second password information input by the user is matched with the password information of the account, the user can obtain the authority for adjusting the payment amount, namely, the payment amount can be adjusted.

Therefore, by adopting the method, the user can obtain the rated authority for adjusting only by executing the created action and inputting the password of the account corresponding to the action after sending the request for adjusting the payment amount, the payment amount can be adjusted according to the self requirement, the user can conveniently realize the payment operation, and the user experience is improved.

Referring to fig. 8, fig. 8 is another flow chart illustrating a method of payment according to an exemplary embodiment. As shown in fig. 8, when the password information of the account is the preset biometric information of the account, the obtaining of the first password information input by the user when the payment request is received in step S41 includes:

upon receiving a payment request, biometric information of the user is obtained.

Accordingly, step S41 includes the following steps.

In step S411, when a payment request is received, a first motion image of a user and biometric information of the user are acquired;

accordingly, step S43 specifically includes the following steps.

In step S433, if the biometric information of the user matches the preset biometric information of the account, the payment is confirmed.

In order to further ensure the account security of the user and avoid economic loss caused by the leakage of actions and passwords, in the process of giving the action payment authority, the server can store not only the characteristic information for representing the actions, but also the biological characteristic information (such as facial information and the like) set by the user creating the actions, wherein the biological characteristic information set by the user can comprise the biological characteristic information of the user and the biological characteristic information of other people input by the user. After the action is successfully created, the action and the account corresponding to the action have a certain corresponding relationship with the preset biological characteristic information, that is, only when a person with the biological characteristic information matched with the preset biological characteristic information executes the action and inputs the password of the account corresponding to the action, the payment can be confirmed, otherwise, the payment fails.

In the embodiment of the disclosure, when a payment request is received, the server may obtain not only target feature information of a sub-image used for representing an action in a first action image of a user, but also biometric information of the user, and when first password information input by the user matches password information of an account corresponding to the action, compare whether the obtained biometric information of the user matches preset biometric information of the account. If the biometric information of the user matches the pre-set biometric information of the account, it may be further determined that the requestor requesting payment is an authorized payer for the user who created the action. Therefore, the safety of the account can be further ensured, and the economic loss caused by the leakage of the action and the password is avoided.

FIG. 9 is a block diagram illustrating a payment device according to an exemplary embodiment. Referring to fig. 9, the payment apparatus 100 includes a first acquisition module 101, a first determination module 102, and a first confirmation module 103.

The first obtaining module 101 is configured to obtain a first action image of a user and first password information input by the user when a payment request is received;

the first determination module 102 is configured to determine an account corresponding to the motion characterized by the first motion image;

the first confirmation module 103 is configured to confirm payment if the first cryptographic information matches the cryptographic information of the account.

Alternatively, FIG. 10 is a block diagram illustrating an apparatus for granting payment rights to an action, according to an example embodiment. As shown in fig. 10, the apparatus 200 for granting an action payment authority further includes:

a second obtaining module 201 configured to obtain the image of the user and the account of the user when receiving the creating action request;

a first recognition module 202 configured to recognize the user-created action from an image of the user;

a first establishing module 203, configured to establish a correspondence between the user-created action and the account of the user when there is no action in the database that conflicts with the user-created action.

Optionally, FIG. 11 is another block diagram illustrating an apparatus for granting payment rights to an action according to an example embodiment. As shown in fig. 11, the apparatus 200 for granting an action payment authority further includes:

a first extraction module 204, configured to extract new feature information of a sub-image in the user's image for representing the actions created by the user, and extract stored feature information of the sub-image in a database for representing each action;

a third obtaining module 205, configured to obtain, through N layers of multi-way trees, a first inverted index table corresponding to the newly-created feature information and a second inverted index table corresponding to the stored feature information, where N is an integer greater than or equal to 2;

a second determining module 206, configured to determine that there is no action in the database that conflicts with the action created by the user if the index entry included in the first inverted index table is different from the index entry included in the second inverted index table.

Optionally, FIG. 12 is another block diagram illustrating an apparatus for granting payment rights to an action according to an example embodiment. As shown in fig. 12, the apparatus 200 for granting an action payment authority further includes:

a first updating module 207 configured to add a layer on the N-layer multi-way tree to update the first inverted index table and the second inverted index table if the index entries included in the first inverted index table are the same as the index entries included in the second inverted index table.

Optionally, FIG. 13 is a block diagram illustrating a first update module in an apparatus for granting payment to an action according to an example embodiment. As shown in fig. 13, the first update module 207 includes:

a determining submodule 2071, configured to determine, according to the feature information corresponding to each of the two identical inverted index tables, common feature information and distinguishing feature information of the feature information corresponding to each of the two inverted index tables if the index entry included in the first inverted index table is identical to the index entry included in the second inverted index table;

a first corresponding sub-module 2072, configured to correspond the common characteristic information to an index item characterized by a last layer of the N-layer multi-way tree;

a second corresponding sub-module 2073, configured to add a layer on the last layer of the N-layer multi-way tree, and to correspond the distinguishing feature information to the index entry represented by the newly added layer, so as to update the first and second inverted index tables.

Alternatively, FIG. 14 is a block diagram illustrating a first determination module of a payment device, according to an example embodiment. As shown in fig. 14, the first determining module 102 includes:

an extraction sub-module 1021 configured to extract target feature information of a sub-image used for characterizing a motion in the first motion image;

the obtaining submodule 1022 is configured to obtain, through the N-layer multi-way tree, a third inverted index table corresponding to the target feature information;

a first determining sub-module 1023 configured to determine the corresponding inverted index table from the database as a first target action of the third inverted index table;

a second determining submodule 1024 configured to determine an account corresponding to the first target action.

Alternatively, FIG. 15 is another block diagram illustrating a payment device in accordance with an exemplary embodiment. As shown in fig. 15, the payment apparatus 100 further includes:

a third determination module 104 configured to determine a payment amount corresponding to the action represented by the first action image;

accordingly, the first confirmation module 103 includes:

a third determining sub-module 1031 configured to determine whether the payment amount requested by the payment request is less than the payment amount when the first password information matches the password information of the account;

a first confirmation sub-module 1032 configured to confirm payment when the payment amount is less than the payment amount.

Alternatively, FIG. 16 is a block diagram illustrating an apparatus for adjusting payment amount according to an exemplary embodiment. As shown in fig. 16, the device 300 for adjusting payment amount further includes:

a fourth obtaining module 301, configured to obtain a second action image of the user and second password information input by the user when obtaining a request for adjusting a payment amount;

a fourth determining module 302 configured to determine that a second target action identical to the action represented by the second action image exists in the database, and determine an account corresponding to the second target action;

and an amount adjusting module 303 configured to adjust the payment amount if the second password information matches the password information of the account.

Alternatively, FIG. 17 is another block diagram illustrating a payment device in accordance with an exemplary embodiment. As shown in fig. 17, when the password information of the account is the preset biometric information of the account, the first obtaining module 101 includes:

an obtaining sub-module 1011 configured to obtain biometric information of the user upon receiving a payment request;

accordingly, the first confirmation module 103 includes:

a second confirmation sub-module 1033 configured to confirm payment if the biometric information of the user matches the pre-set biometric information of the account.

With regard to the apparatus in the above-described embodiment, the specific manner in which each module performs the operation has been described in detail in the embodiment related to the method, and will not be elaborated here.

The present disclosure also provides a computer-readable storage medium having stored thereon computer program instructions which, when executed by a processor, implement the steps of the payment method provided by the present disclosure.

Fig. 18 is a block diagram illustrating a payment device 800 according to an example embodiment. For example, the apparatus 800 may be a mobile phone, a computer, a digital broadcast terminal, a messaging device, a game console, a tablet device, a medical device, an exercise device, a personal digital assistant, and the like.

Referring to fig. 18, the apparatus 800 may include one or more of the following components: a processing component 802, a memory 804, a power component 806, a multimedia component 808, an audio component 810, an input/output (I/O) interface 812, a sensor component 814, and a communication component 816.

The processing component 802 generally controls overall operation of the device 800, such as operations associated with display, telephone calls, data communications, camera operations, and recording operations. The processing component 802 may include one or more processors 820 to execute instructions to perform all or a portion of the steps of the payment method described above. Further, the processing component 802 can include one or more modules that facilitate interaction between the processing component 802 and other components. For example, the processing component 802 can include a multimedia module to facilitate interaction between the multimedia component 808 and the processing component 802.

The memory 804 is configured to store various types of data to support operations at the apparatus 800. Examples of such data include instructions for any application or method operating on device 800, contact data, phonebook data, messages, pictures, videos, and so forth. The memory 804 may be implemented by any type or combination of volatile or non-volatile memory devices such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disks.

Power component 806 provides power to the various components of device 800. The power components 806 may include a power management system, one or more power sources, and other components associated with generating, managing, and distributing power for the device 800.

The multimedia component 808 includes a screen that provides an output interface between the device 800 and a user. In some embodiments, the screen may include a Liquid Crystal Display (LCD) and a Touch Panel (TP). If the screen includes a touch panel, the screen may be implemented as a touch screen to receive an input signal from a user. The touch panel includes one or more touch sensors to sense touch, slide, and gestures on the touch panel. The touch sensor may not only sense the boundary of a touch or slide action, but also detect the duration and pressure associated with the touch or slide operation. In some embodiments, the multimedia component 808 includes a front facing camera and/or a rear facing camera. The front camera and/or the rear camera may receive external multimedia data when the device 800 is in an operating mode, such as a shooting mode or a video mode. Each front camera and rear camera may be a fixed optical lens system or have a focal length and optical zoom capability.

The audio component 810 is configured to output and/or input audio signals. For example, the audio component 810 includes a Microphone (MIC) configured to receive external audio signals when the apparatus 800 is in an operational mode, such as a call mode, a recording mode, and a voice recognition mode. The received audio signals may further be stored in the memory 804 or transmitted via the communication component 816. In some embodiments, audio component 810 also includes a speaker for outputting audio signals.

The I/O interface 812 provides an interface between the processing component 802 and peripheral interface modules, which may be keyboards, click wheels, buttons, etc. These buttons may include, but are not limited to: a home button, a volume button, a start button, and a lock button.

The sensor assembly 814 includes one or more sensors for providing various aspects of state assessment for the device 800. For example, the sensor assembly 814 may detect the open/closed status of the device 800, the relative positioning of components, such as a display and keypad of the device 800, the sensor assembly 814 may also detect a change in the position of the device 800 or a component of the device 800, the presence or absence of user contact with the device 800, the orientation or acceleration/deceleration of the device 800, and a change in the temperature of the device 800. Sensor assembly 814 may include a proximity sensor configured to detect the presence of a nearby object without any physical contact. The sensor assembly 814 may also include a light sensor, such as a CMOS or CCD image sensor, for use in imaging applications. In some embodiments, the sensor assembly 814 may also include an acceleration sensor, a gyroscope sensor, a magnetic sensor, a pressure sensor, or a temperature sensor.

The communication component 816 is configured to facilitate communications between the apparatus 800 and other devices in a wired or wireless manner. The device 800 may access a wireless network based on a communication standard, such as WiFi, 2G or 3G, or a combination thereof. In an exemplary embodiment, the communication component 816 receives a broadcast signal or broadcast related information from an external broadcast management system via a broadcast channel. In an exemplary embodiment, the communication component 816 further includes a Near Field Communication (NFC) module to facilitate short-range communications. For example, the NFC module may be implemented based on Radio Frequency Identification (RFID) technology, infrared data association (IrDA) technology, Ultra Wideband (UWB) technology, Bluetooth (BT) technology, and other technologies.

In an exemplary embodiment, the apparatus 800 may be implemented by 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), controllers, micro-controllers, microprocessors or other electronic components for performing the above-described payment methods.

In an exemplary embodiment, a non-transitory computer-readable storage medium comprising instructions, such as the memory 804 comprising instructions, executable by the processor 820 of the device 800 to perform the payment method described above is also provided. For example, the non-transitory computer readable storage medium may be a ROM, a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.

Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure. This application is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.

It will be understood that the present disclosure is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. A payment method, comprising:

if the first password information is matched with the password information of the account, confirming payment;

identifying the user-created action from the image of the user;

if the index items included in the first inverted index table are different from the index items included in the second inverted index table, determining that no action which conflicts with the action created by the user exists in a database;

when no action which conflicts with the action created by the user exists in a database, establishing a corresponding relation between the action created by the user and the account of the user;

2. The method according to claim 1, wherein if the first inverted index table includes the same index entries as the second inverted index table, adding a layer to the N-layer multi-way tree to update the first inverted index table and the second inverted index table, including:

3. The method of claim 1, wherein determining an account corresponding to the action characterized by the first action image comprises:

and determining an account corresponding to the first target action.

4. The method of claim 1, further comprising:

5. The method of claim 3, further comprising:

6. The method of claim 1, wherein the password information of the account is preset biometric information of the account; when a payment request is received, first password information input by the user is acquired, and the method comprises the following steps:

7. A payment device, said device comprising:

a first confirmation module configured to confirm payment if the first password information matches the password information of the account;

a second determining module configured to determine that there is no action in the database that conflicts with the action created by the user if the index entry included in the first inverted index table is different from the index entry included in the second inverted index table;

a first establishing module configured to establish a correspondence between the user-created action and the account of the user when there is no action in the database that conflicts with the user-created action;

8. The apparatus of claim 7, wherein the first update module comprises:

9. The apparatus of claim 7, wherein the first determining module comprises:

10. The apparatus of claim 7, further comprising:

accordingly, the first confirmation module comprises:

11. The apparatus of claim 9, further comprising:

12. The apparatus of claim 7, wherein the password information of the account is preset biometric information of the account; the first obtaining module comprises:

accordingly, the first confirmation module comprises:

13. A payment device, comprising:

a processor;

a memory for storing processor-executable instructions;

wherein the processor is configured to:

identifying the user-created action from the image of the user;

14. A computer-readable storage medium, on which computer program instructions are stored, which program instructions, when executed by a processor, carry out the steps of the method according to any one of claims 1 to 6.