CN108428123A - The method of payment and device of identity-based identification - Google Patents
The method of payment and device of identity-based identification Download PDFInfo
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- CN108428123A CN108428123A CN201810150742.0A CN201810150742A CN108428123A CN 108428123 A CN108428123 A CN 108428123A CN 201810150742 A CN201810150742 A CN 201810150742A CN 108428123 A CN108428123 A CN 108428123A
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- 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
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- 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- 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
-
- 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
-
- 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
- G06Q20/403—Solvency checks
- G06Q20/4033—Local solvency checks
Abstract
This application discloses a kind of methods of payment of identity-based identification, including：Obtain the identity information of user；Establish the identity information and the user the order of service location correspondence；Judge to whether there is still unpaid order after the user leaves the service location, if so, the payment account based on identity information binding pays the order.The method of payment of the identity-based identification not only increases payment efficiency, reduces the work of user and cash register staff in payment process, while also making user to payment process unaware, provides more convenient and more humanized payment experience to the user.
Description
Technical field
This application involves Third-party payment fields, and in particular to a kind of method of payment of identity-based identification.The application is same
When be related to the payment mechanism and a kind of electronic equipment of a kind of identification of identity-based.
Background technology
With the rapid development of Internet technology, the change of traditional industries is pushed, the emerging technology generated therewith is answered
Each related field is used, it is many convenient to be brought to routine work life.The birth that online trading is carried out based on network, is greatly changed
The movable benefit of traditional commerce has been apt to it while has also improved the movable efficiency of traditional commerce, has brought and improve communication speed, save
Potential the advantages that paying wages and improving service quality.The especially development of Third-party payment platform, effectively reduces transaction cost,
It is sincere to improve transaction, has pushed the development of cash-free life.Shops businessman and Men are given in the development of local sphere of life (O2O)
Shop customer brings great convenience, and for shops businessman, can promote product by internet, and can also seek
User feedback is collected during selling movable；For customer, customer can improve the quality of luxurious life by eating, drinking and playing by platform, even
It is to stay indoors that rich food product can be enjoyed.
As Third-party payment platform is constantly promoted, not only Xian Shang shops is traded knot by Third-party payment platform
Calculate, most of shops under line are traded clearing also by Third-party payment platform, currently, using Third-party payment platform into
The scene of row payment is all to complete to merchandise by barcode scanning, the modes such as transfer accounts.For example, the mistake that customer has dinner in food and drink shops
Cheng Zhong, to shop after order and place an order, customer need carries out barcode scanning payment to cashier after having dinner, alternatively, by food and drink shops
Attendant holds cashier terminal and checks to dining table where customer；However, current clearing form not only needs shops to pay
Go out a large amount of manpower or material resources cost, especially in peak period of having dinner, customer also needs to wait in line in cashier, or
Person waits for attendant to check to dining table, and payment efficiency is relatively low.
Invention content
The application provides a kind of method of payment of identity-based identification, to solve asking for inefficiency of the existing technology
Topic.The application is related to a kind of payment mechanism and a kind of electronic equipment of identity-based identification simultaneously.
The application provides a kind of method of payment of identity-based identification, including：
Obtain the identity information of user；
Establish the identity information and the user the order of service location correspondence；
Judge to whether there is still unpaid order after the user leaves the service location, if so, being based on the body
The payment account of part information binding pays the order.
Optionally, described to judge to whether there is still unpaid order after the user leaves the service location, it uses
As under type is realized：
The user is judged whether in the range of the service location, if so, judging the user whether described
The order is paid in the range of service location, if not yet paying, detects whether the user leaves the service field
Range, if detecting, the user leaves the range of the service location, executes and described is bound based on the identity information
Payment account to the order carry out payment step；If detecting, the user not yet leaves the range of the service location,
It executes and described judges whether the user in the range of service location carries out payment sub-step to the order.
Optionally, the identity information, including it is at least one of following：Identification information, user credit system.
Optionally, the payment account based on identity information binding carries out payment step execution to the order
Before, execute following operation：
Judge whether the account balance of the payment account of the identification information binding is more than disappearing for the order record
Take the amount of money, if so, execute the payment account based on identity information binding carries out payment step to the order；If
It is no, generate the reminder message pay for the order.
Optionally, it after the generation is executed for the reminder message sub-step of the order pay, executes as follows
Operation：
Judge whether the order is completed to pay in pre-set time of payment threshold range, if it is not, executing as follows
Operation：
Using the order as abnormal order；
Obtain the user credit system that the abnormal order corresponds to user；
Based on the order credit punishment operation is carried out for the user credit system of the user.
Optionally, the service location is provided with human body biological characteristics harvester, the identity information for obtaining user
Step is realized based on the human body biological characteristics harvester.
Optionally, the identity information for obtaining user, is realized in the following way：
The facial image, finger print information, iris information of the user are acquired based on the human body biological characteristics harvester
And/or voiceprint；
It identifies the facial image, finger print information, iris information and/or the corresponding user of voiceprint, is tied according to identification
Fruit determines the identification information of the user.
Optionally, the identity information for obtaining user, is realized in the following way：
The facial image of the user and the fingerprint of the user are acquired based on the human body biological characteristics harvester
Information, iris information and/or voiceprint；
It identifies corresponding first user of the facial image, the first identity of first user is determined according to recognition result
Identification information, and, it identifies the finger print information, iris information and/or the corresponding second user of voiceprint, is tied according to identification
Fruit determines the second identification information of the second user；
Judge whether first identification information user corresponding with second identification information is same use
Family, if so, using first identification information or second identification information as the identity of the user
Information.
Optionally, the service location is provided with user service terminal, and the people is provided in the user service terminal
Body physical characteristics collecting device, also, the information on services for including in the order is collected by the user service terminal, according to
It is collected into information on services and generates the order.
Optionally, the service location is provided with monitoring device, and the monitoring device is provided with the human body biological characteristics
Harvester；
Correspondingly, the identity information for obtaining user, is realized in the following way：
The initial people of the user is acquired based on the human body biological characteristics harvester being arranged on the monitoring device
Face image, and, the user is acquired based on the human body biological characteristics harvester being arranged in the user service terminal
Facial image, finger print information, iris information and/or voiceprint；
It identifies the corresponding third user of the Initial Face image, the third of the third user is determined according to recognition result
Identification information, and, identify that the facial image, finger print information, iris information and/or voiceprint the corresponding 4th are used
Family determines the 4th identification information of the fourth user according to recognition result；
Judge whether tiers e'tat identification information user corresponding with the 4th identification information is same use
Family, if so, using the tiers e'tat identification information or the 4th identification information as the identity of the user
Information.
The application also provides a kind of payment mechanism of identity-based identification, including：
Identity information acquiring unit, the identity information for obtaining user；
Correspondence relationship establishing unit, for establish the identity information and the user service location order it is corresponding
Relationship；
Order pays judging unit, for judging after the user leaves the service location with the presence or absence of still unpaid
Order, if so, operation order payment unit；
The order payment unit, the payment account for being bound based on the identity information prop up the order
It pays.
The application also provides a kind of electronic equipment, including：
Memory and processor；
For the memory for storing computer executable instructions, the processor is executable for executing the computer
Instruction：
Obtain the identity information of user；
Establish the identity information and the user the order of service location correspondence；
Judge to whether there is still unpaid order after the user leaves the service location, if so, being based on the body
The payment account of part information binding pays the order.
The method of payment of herein described identity-based identification, including：Obtain the identity information of user；Establish the identity
The correspondence of information and the user in the order of service location；Judge whether deposited after the user leaves the service location
In still unpaid order, if so, the payment account based on identity information binding pays the order.
The method of payment of the identity-based identification, is paid in the order generated in service location consumption to user
In the process, by identifying the identity information of user, and the identity information of identification is corresponded into user and consumes generation in service location
Order, when the order that detection user after consumer behavior terminates to leave service location and not yet generates consumption is paid,
The identity information that user is then corresponded to according to order withholds to pay user the payment account of the identity information binding of user
Payment efficiency is not only increased in the method for payment of the order that service location consumption generates, the identity-based identification, is reduced
The work of user and cash register staff in payment process, while also making user to payment process unaware, it provides to the user more
Convenient and more humanized payment is added to experience.
Description of the drawings
Attached drawing 1 is a kind of process chart of the method for payment embodiment of identity-based identification provided by the present application；
Attached drawing 2 is a kind of schematic diagram of the payment flow of identity-based identification provided by the present application；
Attached drawing 3 is a kind of schematic diagram of the payment mechanism embodiment of identity-based identification provided by the present application；
Attached drawing 4 is the schematic diagram of a kind of electronic equipment provided by the present application.
Specific implementation mode
Many details are elaborated in the following description in order to fully understand the application.But the application can be with
Much implement different from other modes described here, those skilled in the art can be without prejudice to the application intension the case where
Under do similar popularization, therefore the application is not limited by following public specific implementation.
The application provides a kind of method of payment of identity-based identification, and the application also provides a kind of branch of identity-based identification
Pay device and a kind of electronic equipment.It is described in detail one by one below in conjunction with the attached drawing of embodiment provided by the present application,
And each step of method is illustrated.
A kind of method of payment embodiment of identity-based identification provided by the present application is as follows：
With reference to attached drawing 1, it illustrates a kind of processing of the method for payment embodiment of identity-based identification provided by the present application
Flow chart, with reference to attached drawing 2, it illustrates a kind of schematic diagrames of the payment flow of identity-based identification provided by the present application.
Step S101 obtains the identity information of user.
The method of payment of the identity-based identification provided by the present application is led to during service location is paid
It crosses and binds user (customer) and user's order caused by service location consumption, and the branch by the way that order will be directed to
It pays permission and assigns Third-party payment platform, realized by Third-party payment platform and user is withheld based on order, and realized simultaneously
Service location is withheld based on order, i.e.,：The method of payment of the identity-based identification is based on Third-party payment platform come real
It is existing, " withhold-withhold " pattern is based on by Third-party payment platform, user's order caused by service location consumption is propped up
It pays, makes user to payment process unaware, not only improve the operating efficiency in payment process, reduce user and cash register staff
Work, while also providing more convenient and more humanized payment experience to the user.
The method of payment of identity-based identification provided in this embodiment, by by the consumer behavior main body of service location
The order generated with consumption is bound, and the binding of consumer behavior main body and order, refers to actually that user is servicing field with it
Binding between order caused by consuming；Also, after detecting that user leaves service location, judge whether user is right
Order is paid, if user pays order, is withheld without Third-party payment platform；If detection
To user there are no being paid to the order generated in service location consumption after leaving service location, then by Third-party payment
Platform is withheld, to complete the payment of order produced by being consumed in service location to user.As it can be seen that the identity-based is known
Other method of payment is not only realized consumes withholding and withholding for produced order to user in service location, meanwhile, this method is also
Can compatible subscribers self-help settlement this channel of disbursement, compatibility is stronger, and to be more advantageous to, to be based on Third-party payment platform real
The popularization of existing " withhold-withhold " this payment mode.
The present embodiment is to descend order caused by the consumption of food and drink shops online with user by taking Xian Xia food and drink shops as an example
For the payment for carrying out identity-based identification, to being said for the method for payment of the identity-based identification provided by the present application
It is bright.It should be noted that the payment scene of the method for payment of the identity-based identification provided by the present application is not limited to food and drink
Shops, it is similar, it can also realize that the identity-based is known in shops of hotel, haircut shops, Deng Xianxia shops of shops of supermarket
Other method of payment, the present embodiment do not limit this.
In this step, the identity information of user is obtained.Identity information described in the embodiment of the present application, including identification information
With user credit system.Wherein, the identification information is to refer to uniquely determine the identification information of user identity, for example use
Family identity ID.The user credit system refers to the credit appraisal system that user participates in consumption on network behavior.When it is implemented,
The acquisition of user credit system can participate in the credit appraisal body that consumer behavior is accumulated with calling and obtaining user in Third-party payment platform
System.In practical applications, user is needed to authorize the binding for carrying out identification information and payment account and credit appraisal system,
Such as by the way of recognition of face, the facial image of user and identity ID need to be bound, and Third-party payment platform,
The identity ID of user can be obtained by carrying out the downstream links such as the face identification system of facial image, otherwise can not obtain the body of user
Part ID, then processing failure.Specifically, the identification information of user and the binding of payment account, refer to by user identity ID with
Fund withholds account or channel is bound, such as user identity ID and multiple channel of disbursement is bound, multiple payments
Channel constitutes Payment System.The binding of the identification information and credit appraisal system of user, can be by user identity ID and letter
It is directly bound, can also be indirectly tied up by the binding relationship of Payment System and credit appraisal system with appraisement system
It is fixed.
In a kind of preferred embodiment of the application offer, the food and drink shops is provided with human body biological characteristics harvester,
This step obtains the identification information of user, is to be realized based on the human body biological characteristics harvester, i.e.,：By described
Human body biological characteristics harvester is believed to acquire the human body biological characteristic information of user according to collected human body biological characteristics
It ceases to determine that the identification information of user, the human body biological characteristic information include facial image, finger print information, iris information
And voiceprint etc..Preferably, this step obtains the identity of user, and under type such as can be used and realize：Based on the people
Body physical characteristics collecting device acquires facial image, finger print information, iris information and/or the voiceprint of user；Described in identification
Facial image, finger print information, iris information and/or the corresponding user of voiceprint, the identity of user is determined according to recognition result
Identification information.
For example, user is during food and drink shops has dinner, (for example ordered by user service terminal in food and drink shops
Terminal) on the camera that is arranged acquire the facial image of user, recognition of face, identification carried out according to collected facial image
Go out the corresponding user of the recognition of face, so that it is determined that the user identity ID of the user, and hereby it is possible to determine user identity ID with
The correspondence for terminal of ordering, meanwhile, according to user by the order for terminal submission of ordering, it can further determine that order and point
The correspondence for terminal of eating.On this basis, subsequently when establishing user identity ID with order correspondence, according to user identity
The correspondence and order of ID and terminal of ordering and the correspondence of terminal of ordering, to determine user identity ID and order
Correspondence.
In addition to the realization method of above-mentioned offer, other modes can also be used to realize the determination to identification information,
Such as the identification information of the user determined respectively by multiple human body biological characteristic informations, then further verification basis is more
Whether the identification information that a human body biological characteristic information determines is consistent, i.e.,：It verifies whether as same user, to improve
The precision of identification information identification.In a kind of preferred embodiment provided by the present application, use is determined in the following way
The identification information at family：(1) facial image and the user of user are acquired based on the human body biological characteristics harvester
Finger print information, iris information and/or voiceprint；(2) corresponding first user of the facial image is identified, according to recognition result
Determine the first identification information of first user, and, identify the finger print information, iris information and/or vocal print letter
Corresponding second user is ceased, the second identification information of the second user is determined according to recognition result；(3) judge described
Whether one identification information user corresponding with second identification information is same user, if so, by described first
The identification information of identification information or second identification information as user；If it is not, re-executing above-mentioned
Determine this operation of the identification information of user.
For example, user during food and drink shops has dinner, into food and drink shops and after a certain dining table takes a seat, passes through
The camera of food and drink shops setting acquires the facial image of user, according to the recognition result of facial image determines facial image pair
Using the user identity ID at family；Meanwhile the voiceprint of user is acquired by the fingerprint acquisition device of shops's setting, according to sound
The recognition result of line information determines that voiceprint corresponds to the user identity ID of user.Further, once according to face figure before judging
As identifying determining user identity ID and once identifying whether determining user identity ID is consistent according to voiceprint afterwards, if
Unanimously, the determining user of the primary identification user determining with rear primary identification is same user before showing；If it is inconsistent, table
The determining user of the primary identification user determining with rear primary identification is not same user before bright, then repeats above-mentioned determining user's body
The process of part ID.It is above-mentioned after determining user identity ID, the dining table being currently located according to user can determine user identity ID
With the correspondence of dining table.When hereafter, user is ordered food in the way of user service terminal etc. (for example user passes through on dining table
The food-ordering device of setting orders food or user is ordered food simultaneously by the food-ordering device of the unified setting in the area that orders in shops
Autonomous selection dining table table number), it can further determine that the correspondence of order and dining table.Based on this, subsequently user's body is being established
When part ID is with order correspondence, according to the correspondence of the correspondence and order and dining table of user identity ID and dining table,
To determine the correspondence of user identity ID and order.
In general, being both provided with user service terminal in Xian Xia food and drink shops, for example provide ordering end for service of ordering
End, user come self-service selection vegetable and can be submitted by terminal of ordering, and the vegetable that user submits can be based on this generation after being submitted
In a kind of preferred embodiment provided by the present application, the human body biological characteristics harvester can also be arranged in institute for order
It states and orders in terminal, the human body biological characteristic information of user is acquired during user orders, for example, user is in the mistake ordered
In journey it is general all can the terminal of ordering currently ordered of face, be based on this feature, can be during user orders by ordering
The camera of terminal face user direction setting acquires the facial image of user.Similar, user's sight during ordering
Also it can focus on and order on terminal device, can also be based on this feature, pass through terminal face of ordering during user orders
The camera of user direction setting acquires the iris information of user.In addition, for the terminal of ordering for supporting voice to order, may be used also
By according to user by ordering food the voice messaging inputted in the process in a manner of interactive voice, using the voice messaging as vocal print
Information is identified, to determine the identification information of user.
In addition, in the specific implementation, the human body biological characteristics harvester based on the setting of Xian Xia food and drink shops acquires user
Human body biological characteristic information this process can also be combined with the practical scene of having dinner of user, such as according to the monitoring of food and drink shops
The common identification information for determining user of both device and user service terminal (such as terminal of ordering), is improving identity
While the precision of information identification, it can more be bonded the practical scene of having dinner of user, more hommization, to improve user
Experience of having dinner.A kind of preferred embodiment provided by the embodiments of the present application is implemented as follows：(a) it is based on the monitoring device
The Initial Face image of the human body biological characteristics harvester acquisition user of setting, and, it is set based on the user service terminal
Facial image, finger print information, iris information and/or the vocal print letter of the human body biological characteristics harvester acquisition user set
Breath；(b) it identifies the corresponding third user of the Initial Face image, the third body of the third user is determined according to recognition result
Part identification information, and, identify that the facial image, finger print information, iris information and/or voiceprint the corresponding 4th are used
Family determines the 4th identification information of the fourth user according to recognition result；(c) judge the tiers e'tat identification information
Whether user corresponding with the 4th identification information is same user, if so, by the tiers e'tat identification information or
Identification information of 4th identification information as user described in person.
For example, user during food and drink shops has dinner, into food and drink shops and after a certain dining table takes a seat, passes through
The facial image of user, or the microphone by hospitalit personnel depaly are acquired in the camera of the setting of food and drink shops
To acquire the voiceprint of user；Hereafter, during user is ordered food by terminal of ordering, further pass through end of ordering
The camera being arranged on end acquires the iris information or facial image of user；Also, according to pair of dining table and terminal of ordering
It should be related to, can determine that the collected facial image of camera or microphone carry out collected voiceprint, with terminal of ordering
Correspondence between collected iris information or facial image, on this basis, once according to facial image before judging
Either the determining user identity ID of voiceprint identification once identifies determining use with rear according to iris information or facial image
Whether family identity ID is consistent, if unanimously, the determining user of the primary identification user determining with rear primary identification is before showing
Same user it is possible thereby to determine the correspondence of user identity ID and dining table, and can determine user identity ID and point simultaneously
The correspondence for terminal of eating.Hereafter, it can further determine that order by the order for terminal submission of ordering according to user and order
The correspondence of terminal.Correspondingly, subsequently when establishing user identity ID with order correspondence, it can be according to user identity ID
With the correspondence of the correspondence and order of terminal of ordering and terminal of ordering, to determine user identity ID and order
Correspondence..Correspondingly, subsequently when establishing user identity ID and order correspondence, can also according to user identity ID with
The correspondence and order of dining table and the correspondence of dining table, to determine the correspondence of user identity ID and order.
Step S102, establish the identity information and the user the order of service location correspondence.
Above-mentioned steps S101 gets the identification information for including in the identity information of user and user credit system, this
Step establishes the identity information of user on this basis and user consumes the correspondence between produced order in food and drink shops,
I.e.：The binding relationship for establishing the order that user generates with it in the consumption of food and drink shops, especially by the identity for establishing user
The correspondence of information and order is come the correspondence that both determines.
Step S103 judges to whether there is still unpaid order after the user leaves the service location.
After above-mentioned steps S101 gets the identification information of user, and establish through above-mentioned steps S102 the identity of user
After the correspondence of identification information and order, the user for being in entity food and drink shops under line can eat, in dining process
In or after user terminates, user is in food and drink shops in this period of time, and user can be independently to it in current food and drink door
The order that shop consumption generates carries out payment and settlement, as shown in Fig. 2.Certainly, if user is not directed within this period of time
Its order generated in the consumption of food and drink shops is actively paid, then after detecting that user leaves current food and drink shops, is executed
Logic is withheld, the payment account of user is withheld by Third-party payment platform and consumes generation in food and drink shops to pay user
Order.
In this step, judge to whether there is still unpaid order after user leaves food and drink shops, if it does, under executing
Step S104 is stated, the payment account of user can be withheld by Third-party payment platform and be consumed in food and drink shops with paying user
Generated order；If it does not exist, then showing that user consumes generated order in current food and drink shops and has been paid for, no
It deals with.
In a kind of preferred embodiment provided by the embodiments of the present application, this step judge after user leaves food and drink shops whether
In the presence of still unpaid order, specifically realize in the following way：User is judged whether in the range of food and drink shops, if
To judge whether user pays the order in the range of food and drink shops, if not yet paying, detection user whether from
The range of food and drink shops is opened, user leaves the range of food and drink shops if detecting, following step S104 is executed, by Third-party payment
Platform can withhold the payment account of user consumes generated order to pay user in food and drink shops；If detecting use
The range of food and drink shops is not yet left at family, repeat it is above-mentioned judge user whether in the range of food and drink shops to the order
Carry out payment step.
Step S104, the payment account based on identity information binding pay the order.
The premise that this step is carried out is to judge to whether there is still after user leaves food and drink shops in above-mentioned steps S103
The judging result of unpaid order be it is yes, i.e.,：User consumes after food and drink shops consumes and terminates and check out in the food and drink shops
Generated order is not paid, and need to be withheld at this time the payment account of user to pay at this by Third-party payment platform
The order of food and drink shops.
In a kind of preferred embodiment provided by the embodiments of the present application, tied up in identification information of this step based on user
Before fixed payment account pays order, the account balance for judging the payment account of the identification information binding is also needed
Whether the spending amount of the order record is more than, if so, this step is executed, to the branch of the identification information binding of user
Pay a bill family deduct fees with pay user food and drink shops order；If it is not, then showing more than the payment in the payment account of user
The spending amount of volume deficiency pay invoice then generates the reminder message pay for the order, and the prompting is disappeared
Breath is sent to the terminal device or mailbox of user identity ID bindings, reminds user to pay by way of reminder message
Or user is reminded to supplement payment account with money.
Preferably, after generating the reminder message pay for the order, it can also judge the order
Whether complete to pay in pre-set time of payment threshold range (such as 24 hours), if so, payment is completed, not deal with i.e.
It can；If it is not, using the order as abnormal order；Obtain the user credit system that the abnormal order corresponds to user；Based on institute
It states order and carries out credit punishment operation for the user credit system of the user.In practical applications, it is punished by above-mentioned credit
Operation is penalized to carry out processing of revealing all the details to the user not paid after consumption, i.e.,：Pass through the punishment logic of user credit system or user
The record of bad consumer behavior in credit system, pays the bill on time to constrain user, to come reduce money damage generation.
In conclusion the method for payment of the identity-based identification provided by the present application, is disappearing to user in food and drink shops
During the order that expense generates is paid, believe by identifying the identification information of user, and by the identity of identification
Breath correspond to user food and drink shops consumption generate order, when detection user after consumer behavior terminates to leave food and drink shops and
When the order not yet generated to consumption is paid, then the identity information of user is corresponded to according to order, to the identity information of user
The payment account of binding is withheld to pay the order that user generates in the consumption of food and drink shops, the branch of the identity-based identification
The method of paying not only increases payment efficiency, reduces the work of user and cash register staff in payment process, while also using
Family provides more convenient and more humanized payment experience to the user to payment process unaware.
A kind of payment mechanism embodiment of identity-based identification provided by the present application is as follows：
In the above-described embodiment, a kind of method of payment of identity-based identification, corresponding, the application are provided
A kind of payment mechanism of identity-based identification is additionally provided, is illustrated below in conjunction with the accompanying drawings.
With reference to attached drawing 3, it illustrates a kind of signals of the payment mechanism embodiment of identity-based identification provided by the present application
Figure.
Since device embodiment is substantially similar to embodiment of the method, so describing fairly simple, relevant part please join
The corresponding explanation of the embodiment of the method for above-mentioned offer is provided.Device embodiment described below is only schematical.
The application provides a kind of payment mechanism of identity-based identification, including：
Identity information acquiring unit 301, the identity information for obtaining user；
Correspondence relationship establishing unit 302, for establish the identity information and the user service location order
Correspondence；
Order pays judging unit 303, is not yet propped up for judging to whether there is after the user leaves the service location
The order paid, if so, operation order payment unit 304；
The order payment unit 304, the payment account for being bound based on the identity information carry out the order
Payment.
Optionally, the order pays judging unit 303, including：
User location judgment sub-unit, for judging the user whether in the range of the service location, if so,
Operation payment judgment sub-unit；
The payment judgment sub-unit, for judging whether the user orders to described in the range of the service location
It is singly paid, if not yet paying, detects the user and whether leave the range of the service location, if detecting the user
The range for leaving the service location runs the order payment unit 304；If detecting, the user not yet leaves the clothes
The range in business place, runs the payment judgment sub-unit.
Optionally, the identity information, including it is at least one of following：Identification information, user credit system.
Optionally, the payment mechanism of the identity-based identification, including：
Account balance judging unit, for judge identification information binding payment account account balance whether
More than the spending amount of the order record, if so, running the order payment unit 304；It is directed to the order if it is not, generating
The reminder message pay.
Optionally, the payment mechanism of the identity-based identification, including：
Judging unit is paid, whether completes to prop up in pre-set time of payment threshold range for judging the order
It pays, if it is not, operation exception order determination unit, user credit system acquiring unit and credit punish unit；
Wherein, the abnormal order determination unit, for using the order as abnormal order；
The user credit system acquiring unit corresponds to the user credit system of user for obtaining the abnormal order；
The credit punishes unit, is punished for carrying out credit for the user credit system of the user based on the order
Penalize operation.
Optionally, the service location is provided with human body biological characteristics harvester, the identity information acquiring unit 301
It is realized based on the human body biological characteristics harvester.
Optionally, the identity information acquiring unit 301, including：
First human body physical characteristics collecting subelement, for acquiring the use based on the human body biological characteristics harvester
Facial image, finger print information, iris information and/or the voiceprint at family；
First human body living things feature recognition subelement, for identification the facial image, finger print information, iris information and/
Or the corresponding user of voiceprint, the identification information of the user is determined according to recognition result.
Optionally, the identity information acquiring unit 301, including：
Second human body biological characteristics acquire subelement, for acquiring the use based on the human body biological characteristics harvester
The facial image at the family and finger print information of the user, iris information and/or voiceprint；
Second human body biological characteristics identify subelement, for identification corresponding first user of the facial image, according to knowledge
Other result determines the first identification information of first user, and, identify the finger print information, iris information and/or
The corresponding second user of voiceprint determines the second identification information of the second user according to recognition result；
First identification information judgment sub-unit, for judging first identification information and second identity
Whether user corresponding to identification information is same user, if so, by first identification information or second identity
Identification information of the identification information as the user.
Optionally, the service location is provided with user service terminal, and the people is provided in the user service terminal
Body physical characteristics collecting device, also, the information on services for including in the order is collected by the user service terminal, according to
It is collected into information on services and generates the order.
Optionally, the service location is provided with monitoring device, and the monitoring device is provided with the human body biological characteristics
Harvester；Correspondingly, the identity information acquiring unit 301, including：
Third human body physical characteristics collecting subelement, for special based on the human-body biological being arranged on the monitoring device
Sign harvester acquires the Initial Face image of the user, and, based on the people being arranged in the user service terminal
Body physical characteristics collecting device acquires facial image, finger print information, iris information and/or the voiceprint of the user；
Third human body living things feature recognition subelement, for identification corresponding third user of the Initial Face image, root
The tiers e'tat identification information of the third user is determined according to recognition result, and, identify the facial image, finger print information,
Iris information and/or the corresponding fourth user of voiceprint, the 4th identity mark of the fourth user is determined according to recognition result
Know information；
Second identification information judgment sub-unit, for judging the tiers e'tat identification information and the 4th identity
Whether user corresponding to identification information is same user, if so, by the tiers e'tat identification information or the 4th identity
Identification information of the identification information as the user.
A kind of electronic equipment embodiment provided by the present application is as follows：
In the above-described embodiment, a kind of method of payment of identity-based identification is provided, in addition, present invention also provides
A kind of electronic equipment of method of payment for realizing identity-based identification, illustrates below in conjunction with the accompanying drawings.
With reference to attached drawing 4, it illustrates the schematic diagrames of a kind of electronic equipment provided in this embodiment.
The electronic equipment embodiment provided by the present application describes fairly simple, and relevant part refers to above-mentioned offer
Identity-based identification method of payment embodiment corresponding explanation.Embodiment described below is only schematic
's.
The application provides a kind of electronic equipment, including：
Memory 401 and processor 402；
The memory 401 is for storing computer executable instructions, and the processor 402 is for executing following computer
Executable instruction：
Obtain the identity information of user；
Establish the identity information and the user the order of service location correspondence；
Judge to whether there is still unpaid order after the user leaves the service location, if so, being based on the body
The payment account of part information binding pays the order.
Optionally, described to judge to whether there is still unpaid order after the user leaves the service location, it uses
As under type is realized：
The user is judged whether in the range of the service location, if so, judging the user whether described
The order is paid in the range of service location, if not yet paying, detects whether the user leaves the service field
Range, if detecting, the user leaves the range of the service location, executes and described is bound based on the identity information
Payment account to the order carry out payment instruction；If detecting, the user not yet leaves the range of the service location,
Execute it is described judge the user whether in the range of the service location to the order carry out payment instruction.
Optionally, the identity information, including it is at least one of following：Identification information, user credit system.
Optionally, the payment account based on identity information binding carries out payment instruction execution to the order
Before, the processor 402 is additionally operable to execute following computer executable instructions：
Judge whether the account balance of the payment account of the identification information binding is more than disappearing for the order record
Take the amount of money, if so, execute the payment account based on identity information binding carries out payment instruction to the order；If
It is no, generate the reminder message pay for the order.
Optionally, after the generation is for the reminder message instruction execution of the order pay, following behaviour is executed
Make：
Judge whether the order is completed to pay in pre-set time of payment threshold range, if it is not, executing as follows
Operation：
Using the order as abnormal order；
Obtain the user credit system that the abnormal order corresponds to user；
Based on the order credit punishment operation is carried out for the user credit system of the user.
Optionally, the service location is provided with human body biological characteristics harvester, the identity information for obtaining user
Instruction is executed based on the human body biological characteristics harvester.
Optionally, the identity information for obtaining user, is realized in the following way：
The facial image, finger print information, iris information of the user are acquired based on the human body biological characteristics harvester
And/or voiceprint；
It identifies the facial image, finger print information, iris information and/or the corresponding user of voiceprint, is tied according to identification
Fruit determines the identification information of the user.
Optionally, the identity information for obtaining user, is realized in the following way：
The facial image of the user and the fingerprint of the user are acquired based on the human body biological characteristics harvester
Information, iris information and/or voiceprint；
It identifies corresponding first user of the facial image, the first identity of first user is determined according to recognition result
Identification information, and, it identifies the finger print information, iris information and/or the corresponding second user of voiceprint, is tied according to identification
Fruit determines the second identification information of the second user；
Judge whether first identification information user corresponding with second identification information is same use
Family, if so, using first identification information or second identification information as the identity of the user
Information.
Optionally, the service location is provided with user service terminal, and the people is provided in the user service terminal
Body physical characteristics collecting device, also, the information on services for including in the order is collected by the user service terminal, according to
It is collected into information on services and generates the order.
Optionally, the service location is provided with monitoring device, and the monitoring device is provided with the human body biological characteristics
Harvester；Correspondingly, the identity information for obtaining user, is realized in the following way：
The initial people of the user is acquired based on the human body biological characteristics harvester being arranged on the monitoring device
Face image, and, the user is acquired based on the human body biological characteristics harvester being arranged in the user service terminal
Facial image, finger print information, iris information and/or voiceprint；
It identifies the corresponding third user of the Initial Face image, the third of the third user is determined according to recognition result
Identification information, and, identify that the facial image, finger print information, iris information and/or voiceprint the corresponding 4th are used
Family determines the 4th identification information of the fourth user according to recognition result；
Judge whether tiers e'tat identification information user corresponding with the 4th identification information is same use
Family, if so, using the tiers e'tat identification information or the 4th identification information as the identity of the user
Information.
Although the application is disclosed as above with preferred embodiment, it is not for limiting the application, any this field skill
Art personnel are not departing from spirit and scope, can make possible variation and modification, therefore the guarantor of the application
Shield range should be subject to the range that the application claim defined.
In a typical configuration, computing device includes that one or more processors, input/output interface, network connect
Mouth and memory.
Memory may include computer-readable medium in volatile memory, random access memory (RAM) and/or
The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium
Example.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology realizes information storage.Information can be computer-readable instruction, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase transition internal memory (PRAM), static RAM (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), fast flash memory bank or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storages, magnetic tape cassette, tape magnetic disk storage or other magnetic storage apparatus
Or any other non-transmission medium, it can be used for storage and can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include non-temporary computer readable media (transitory media), such as data-signal and carrier wave of modulation.
It will be understood by those skilled in the art that embodiments herein can be provided as method, system or computer program product.
Therefore, complete hardware embodiment, complete software embodiment or embodiment combining software and hardware aspects can be used in the application
Form.It is deposited moreover, the application can be used to can be used in the computer that one or more wherein includes computer usable program code
The shape for the computer program product implemented on storage media (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.)
Formula.
Claims (10)
1. a kind of method of payment of identity-based identification, which is characterized in that including：
Obtain the identity information of user；
Establish the identity information and the user the order of service location correspondence；
Judge to whether there is still unpaid order after the user leaves the service location, if so, based on the identity believing
The payment account of breath binding pays the order.
2. the method for payment of identity-based according to claim 1 identification, which is characterized in that it is described judge the user from
It whether there is still unpaid order after opening the service location, realize in the following way：
The user is judged whether in the range of the service location, if so, judging the user whether in the service
The order is paid in the range of place, if not yet paying, detects whether the user leaves the service location
Range, if detecting, the user leaves the range of the service location, executes the branch based on identity information binding
Family pay a bill to order progress payment step；If detecting, the user not yet leaves the range of the service location, executes
It is described to judge whether the user in the range of service location carries out payment sub-step to the order.
3. the method for payment of identity-based identification according to claim 1 or 2, which is characterized in that the identity information, packet
It includes at least one of following：Identification information, user credit system.
4. the method for payment of identity-based identification according to claim 3, which is characterized in that described to be believed based on the identity
Before ceasing the payment account bound to order progress payment step execution, following operation is executed：
Judge whether the account balance of the payment account of the identification information binding is more than the consumption gold of the order record
Volume, if so, execute the payment account based on identity information binding carries out payment step to the order；If it is not, raw
At the reminder message pay for the order.
5. the method for payment of identity-based identification according to claim 4, which is characterized in that described generate is ordered for described
It is single to carry out after the reminder message sub-step paid executes, executing following operation：
Judge whether the order is completed to pay in pre-set time of payment threshold range, if it is not, executing following operation：
Using the order as abnormal order；
Obtain the user credit system that the abnormal order corresponds to user；
Based on the order credit punishment operation is carried out for the user credit system of the user.
6. the method for payment of the identity-based identification according to claim 1 to 5 any one, which is characterized in that the clothes
Business place is provided with human body biological characteristics harvester, and the identity information step for obtaining user is based on the human-body biological
Collection apparatus device is realized.
7. the method for payment of identity-based identification according to claim 6, which is characterized in that the identity for obtaining user
Information is realized in the following way：
Based on the human body biological characteristics harvester acquire the facial image of the user, finger print information, iris information and/or
Voiceprint；
Identify the facial image, finger print information, iris information and/or the corresponding user of voiceprint, it is true according to recognition result
The identification information of the fixed user.
8. the method for payment of identity-based identification according to claim 6, which is characterized in that the identity for obtaining user
Information is realized in the following way：
The facial image of the user and the fingerprint letter of the user are acquired based on the human body biological characteristics harvester
Breath, iris information and/or voiceprint；
It identifies corresponding first user of the facial image, the first identity of first user is determined according to recognition result
Information, and, identify the finger print information, iris information and/or the corresponding second user of voiceprint, it is true according to recognition result
Second identification information of the fixed second user；
Judge whether first identification information user corresponding with second identification information is same user, if
It is, using first identification information or second identification information as the identification information of the user.
9. a kind of payment mechanism of identity-based identification, which is characterized in that including：
Identity information acquiring unit, the identity information for obtaining user；
Correspondence relationship establishing unit, for establishing the identity information with the user in the corresponding pass of the order of service location
System；
Order pays judging unit, is ordered with the presence or absence of still unpaid after the user leaves the service location for judging
It is single, if so, operation order payment unit；
The order payment unit, the payment account for being bound based on the identity information pay the order.
10. a kind of electronic equipment, which is characterized in that including：
Memory and processor；
The memory is for storing computer executable instructions, and for executing, the computer is executable to be referred to the processor
It enables：
Obtain the identity information of user；
Establish the identity information and the user the order of service location correspondence；
Judge to whether there is still unpaid order after the user leaves the service location, if so, based on the identity believing
The payment account of breath binding pays the order.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810150742.0A CN108428123A (en) | 2018-02-13 | 2018-02-13 | The method of payment and device of identity-based identification |
| PCT/CN2019/074350 WO2019157984A1 (en) | 2018-02-13 | 2019-02-01 | Identity identification-based payment method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810150742.0A CN108428123A (en) | 2018-02-13 | 2018-02-13 | The method of payment and device of identity-based identification |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108428123A true CN108428123A (en) | 2018-08-21 |
Family
ID=63157068
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810150742.0A Pending CN108428123A (en) | 2018-02-13 | 2018-02-13 | The method of payment and device of identity-based identification |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN108428123A (en) |
| WO (1) | WO2019157984A1 (en) |
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| WO2019157984A1 (en) * | 2018-02-13 | 2019-08-22 | 口碑(上海)信息技术有限公司 | Identity identification-based payment method and device |
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| CN111340504A (en) * | 2020-03-10 | 2020-06-26 | 北京意锐新创科技有限公司 | Payment method and device suitable for payment equipment |
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| WO2019157984A1 (en) | 2019-08-22 |
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