CN109523271A - Face payment system and method - Google Patents
Face payment system and method Download PDFInfo
- Publication number
- CN109523271A CN109523271A CN201811626848.XA CN201811626848A CN109523271A CN 109523271 A CN109523271 A CN 109523271A CN 201811626848 A CN201811626848 A CN 201811626848A CN 109523271 A CN109523271 A CN 109523271A
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- Prior art keywords
- payment
- face
- user
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Classifications
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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
- G06Q20/40145—Biometric identity checks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
- G06V40/16—Human faces, e.g. facial parts, sketches or expressions
- G06V40/168—Feature extraction; Face representation
Abstract
The invention discloses a kind of face payment system and methods, the system includes: face recognition module, authentication information for sending after the account opening request for receiving payment application to payment application is verified, it is also used to confirm the face information of payment user after the face payment request for receiving terminal, wherein, authentication information includes the face information of user of opening an account;Account management platform is also used to be paid through confirmation for acquiring and saving the face information for the user that opens an account through verifying.Above-mentioned technical proposal of the invention provides a kind of noninductive means of payment, can effectively improve the review efficiency of user identity, saves human cost.
Description
Technical field
The present invention relates to self-help payment technical fields, it particularly relates to a kind of face payment system and face payment
Method.
Background technique
Payment plays important role as the financial exchange between consumer and sellers in people's lives.
Since paying and being born, it experienced currency payment, paid in cash, cCredit card payment and Third-party payment, means of payment transformation
The under cover driving of technology behind, the raising of the face recognition technology based on deep learning make it possible that brush face is paid.It is logical
Cross being used in combination for not means such as face recognition technology of transreplication and dynamic verification code, effective protection fund security.With this
Meanwhile consumer has more selections: even if it is out of power to leave behind wallet, mobile phone, also can be carried out payment.In addition, this also means that
Human-computer interaction enters a new stage: can be detached from the constraint of equipment, can inherently complete by people.
Relevant face payment research both at home and abroad includes: Mobile banking's face identification functions;" the brush face " realized in ATM machine
Withdrawal function;Commercial brush face payment.It is existing to be concentrated mainly on biological identification technology and on-line payment industry with face method of payment
The system combined of being engaged in is realized.
But the existing payment phase system based on recognition of face, the system for laying particular emphasis on terminal and server end are realized,
Existing defects in terms of face retrieval core algorithm, cause recognition success rate low, are unable to reach commercial rank;Lack In vivo detection and
Anti- hacker's link can not effectively resist attack;High to usage scenario and identification angle requirement, identifying processing speed is slow, user's body
Test difference;It is not carried out the strong authentication to user, risk control ability is insufficient;Technical application range is small, cannot achieve more
The quick Solution of scape is disposed.
Summary of the invention
In view of the above problems in the related art, the present invention proposes a kind of face payment system and face method of payment.
The technical scheme of the present invention is realized as follows:
According to an aspect of the invention, there is provided a kind of face payment system, comprising:
Face recognition module, the identity for sending after the account opening request for receiving payment application to payment application are tested
Card information is verified, and is also used to after the face payment request for receiving terminal carry out the face information of payment user true
Recognize, wherein authentication information includes the face information of user of opening an account;
Account management platform is also used for acquiring and saving the face information for the user that opens an account through verifying
It is paid in through confirmation.
According to an embodiment of the invention, face payment system further include: be connected to terminal system and account management platform it
Between SDK, terminal system includes any one among Windows system, iOS system and android system.
According to an embodiment of the invention, SDK includes: the SDK that opens an account, for binding the user that opens an account through verifying
Face information and the payment information of user of opening an account;Pay SDK, the face information of the user that opens an account for acquisition.
According to an embodiment of the invention, the face information of payment user is picture;Face recognition module includes: that characteristic point obtains
Submodule is taken, for obtaining the characteristic point of picture;Characteristic distance computational submodule, the user that opens an account for calculating picture and saving
Picture between characteristic distance;Judging submodule pays whether user is the user that opened an account for judging according to characteristic distance.
According to an embodiment of the invention, terminal includes among retail terminal, medical terminal, education terminal and security terminal
Any one.
According to another aspect of the present invention, a kind of face method of payment is provided, comprising:
The authentication information sent after the account opening request for receiving payment application to payment application is verified,
In, authentication information includes the face information of user of opening an account;
The face information for the user that opens an account is acquired and saved through verifying;
The face information of payment user is confirmed after the face payment request for receiving terminal;
It is paid through confirmation.
According to an embodiment of the invention, face method of payment further include: set between terminal system and account management platform
SDK is set, terminal system includes any one among Windows system, iOS system and android system.
According to an embodiment of the invention, after being verified further include: through verifying, using opening an account
SDK binds the payment information of the face information for the user that opens an account and the user that opens an account.
According to an embodiment of the invention, carrying out confirmation to the face information of payment user includes: to be acquired using payment SDK
It opens an account the face information of user.
According to an embodiment of the invention, the face information of payment user is picture;The face information of payment user is carried out
Confirmation includes: to obtain the characteristic point of picture;Calculate the characteristic distance between the picture of the user that opens an account of picture and preservation;According to spy
Levy whether Distance Judgment payment user is the user that opened an account.
The present invention is through the above technical solutions, provide a kind of noninductive means of payment.When payment, user only needs in face of taking the photograph
As head, entire payment flow is can be completed in the short time.Face recognition technology therein, one as new bio-identification mode
Kind, it participates in that user's face authentication just can be completed without contact staff.The review efficiency for effectively increasing user identity, saves
Human cost.
Detailed description of the invention
It in order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, below will be to institute in embodiment
Attached drawing to be used is needed to be briefly described, it should be apparent that, the accompanying drawings in the following description is only some implementations of the invention
Example, for those of ordinary skill in the art, without creative efforts, can also obtain according to these attached drawings
Obtain other attached drawings.
Fig. 1 is the flow chart of opening an account of face payment system according to an embodiment of the present invention;
Fig. 2 is the payment flow figure of face payment system according to an embodiment of the present invention;
Fig. 3 is the whole topological diagram of face payment according to an embodiment of the present invention;
Fig. 4 is the shopping process figure according to an embodiment of the present invention that face payment is carried out by iPad;
Fig. 5 is the shopping process figure according to an embodiment of the present invention that face payment is carried out by Windows system;
Fig. 6 is the feature extraction of recognition of face according to an embodiment of the present invention and the flow chart of face comparison identification.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, those of ordinary skill in the art's every other embodiment obtained belong to what the present invention protected
Range.
Face payment system according to an embodiment of the present invention, including face recognition module 24 and account management platform 22.Such as
Shown in Fig. 1, face recognition module 24 is used for the identity sent after the account opening request for receiving payment application to payment application
Verification information is verified, wherein authentication information includes the face information of user of opening an account.It should be noted that the payment
It can be existing intelligence payment APP using (payment APP) 10.Account management platform 22 is used to adopt through verifying
Collect and save the face information for the user that opens an account.To the function of opening an account of achievable face payment.
As shown in Fig. 2, face recognition module 24 is also used to after the face payment request for receiving terminal 30 to payment
The face information of user confirms that account management platform 22 is also used to be paid through confirmation.So as to
Complete payment flow.
The above-mentioned technical solution based on face recognition of the invention pay to face payment by paying APP 10 and opens an account
Function, user are bound using the payment achievable face of APP 10, and bound face picture will be used as subsequent brush face payment process
The identification of middle recognition of face compares foundation;Brush face user's body is determined based on face retrieval algorithm by account management platform 22
Part, and then payment is completed, to provide a kind of noninductive means of payment.When payment, user only needed in face of camera, short time
Entire payment flow can be completed.Face recognition technology therein is not necessarily to customer service people as one kind of new bio-identification mode
Member participates in that user's face authentication just can be completed.The review efficiency for effectively increasing user identity, saves human cost.
In one embodiment, face payment open an account with actual delivery during, can also include In vivo detection and
The step of anti-hacker.The In vivo detection and the step of anti-hacker, need user to complete required movement (for example, blink) according to prompt,
User needs to complete required movement before the deadline, and the photos and videos that can be better protected from In vivo detection in this way is cut
Volume etc. the deceptive practices of modes can be further ensured that the safety of payment so that the reliability of Activity determination and safety are higher
Property.
Fig. 3 shows the whole topological diagram of face payment according to an embodiment of the present invention.Face payment system of the invention
It further include the SDK (Software Development Kit, Software Development Kit) for being connected to terminal system, terminal system packet
Include any one among Windows system, iOS system and android system.
With reference to Fig. 4, the shopping process figure according to an embodiment of the present invention that face payment is carried out by iPad is shown.Work as end
When end is the end iPad, passes through shopping process shown in Fig. 4 and utilize the external end iPad, user is carried out on iPad
Recognition of face, payment.In one embodiment, it can use Reactnative (RN) exploitation and the page be mainly presented wherein
Visual effect.Result page returns the result data by backstage to be rendered using RN, returns to the different pages.At these
In the homepage and result page of RN exploitation, the included animation component of RN is also used, by the type of sports and the movement that control object
Parameter and run duration ensure that endlessly animation, show the animation effect that such as balloon waves, and final enhancing is used
The pleasant feeling of family in use.With reference to Fig. 5, show according to an embodiment of the present invention by Windows system progress people
The shopping process figure of face payment.When terminal is automatic vending machine, and terminal system is touch screen Windows, when terminal is automatic
When vending machine, terminal system are Windows, pass through shopping process shown in fig. 5 and utilize vending machine, allow user on sale
It is done shopping on cargo aircraft, recognition of face, payment and picking, realizes the ring of shopping, recognition of face, payment and picking whole flow process
Ring is engaged, and experience is more preferable.
In conjunction with shown in Fig. 2 and Fig. 3, SDK includes: the SDK 26 that opens an account, for binding use of opening an account through verifying
The payment information of the face information at family and the user that opens an account;Pay SDK 28, the face information of the user that opens an account for acquisition.
Specifically, needing to acquire the identity information and payment information of user, face payment terms before realizing face payment
Mesh by pay to intelligence payment APP be transformed, help user open face payment, allow project success to land.The step opened an account
Suddenly include:
Step 1: using name and identification card number registered face payment account;
Step 2: input four element of bank card binds bank card, 22 account of account management platform is opened as payment account;
Step 3: verifying after determining identity in user by vivo identification, anti-hacker detection and face public security, user is acquired
Face characteristic information, carry out face information storage;
Completing above-mentioned three step can be paid using face.The solution for entirely opening face payment is independent SDK,
It can neatly be implanted into a variety of mobile products and complete to open face delivery operation.
In addition, payment APP can be used to bind bank card of withholing for user, the source of withholing paid as brush face under line.Account
Platform is managed, face information storage is completed and ties up card operation.User pays bank card of withholing using payment APP binding face, i.e.,
The step of opening an account in account management platform is completed, subsequent user plays transaction of withholing caused by the payment of brush face online, by account
Family manages platform and is responsible for docking with corresponding bank.By face recognition technology, user only needs brush face to carry out identification, identity
It can complete to pay after confirmation, for payment process without inputting trading password, entire payment process is convenient and efficient, sweeps compared to traditional
The code means of payment shortens nearly half point clock time.In addition, further ensuring that face is known by In vivo detection and anti-hacker's technology
Other safety.
In some embodiments, terminal includes any among retail terminal, medical terminal, education terminal and security terminal
It is a kind of.That is, to can be applied to intelligent POS, medical treatment, education, safety and retail etc. a variety of for face payment system of the invention
Service terminal.
The face information for paying user is picture;Face recognition module includes:
Characteristic point acquisition submodule, for obtaining the characteristic point of picture;
Characteristic distance computational submodule, the characteristic distance between the picture of the user that opens an account for calculating picture and preservation;
Judging submodule pays whether user is the user that opened an account for judging according to characteristic distance.
Specifically, the recognition of face process of face recognition module includes: step 1: Face datection.From static images or
Face is found out in video, exports position, the size and number of face.It is the mesh of this step to verify in inspection picture containing someone
Face, and prepare for pretreatment in next step.Step 2: face is corrected.Face size and face location are obtained by Face datection
Afterwards, it before doing face registration or identification, needs to do face normalization and carrys out standardized face, to improve the standard of registration feature
And discrimination.Step 3: face characteristic extracts.With reference to Fig. 6, the feature for showing recognition of face according to an embodiment of the present invention is mentioned
Take the flow chart with face comparison identification.The process of a feature extraction i.e. face picture is converted to the spy of a fixed dimension
The process for levying vector, can complete subsequent comparison and identification mission using obtained feature vector.Step 4: face compares
With identification.Verifying and identification are the final steps of recognition of face, it refers to according to face characteristic extraction as a result, by inspection face
Picture is compared with the data in database, judges the identity information of the inspection face.
To sum up, face payment system of the invention realizes the function of opening an account of face payment by payment APP, and user uses this
It pays APP and completes face binding, bound face picture knows the identity as recognition of face in subsequent brush face payment process
It Bi Dui not foundation;This payment APP can be used to bind bank card of withholing simultaneously for user, the source of withholing paid as brush face under line;
User plays transaction of withholing caused by the payment of brush face online, is docked by account management platform with corresponding bank, completes
It withholds and transaction and completes face information storage and operated with card is tied up, while brush face user identity is determined based on face retrieval algorithm, into
And payment is completed, realize a kind of noninductive means of payment.When payment, user only needs in face of camera, and the short time can be completed
Entire payment flow.
According to an embodiment of the invention, additionally providing a kind of face method of payment, comprising the following steps:
S702, the authentication information sent after the account opening request for receiving payment application to payment application are tested
Card, wherein authentication information includes the face information of user of opening an account;
S704 acquires and saves the face information for the user that opens an account through verifying;
S706 confirms the face information of payment user after the face payment request for receiving terminal;
S708 is paid through confirmation.
According to an embodiment of the invention, face method of payment further include: set between terminal system and account management platform
SDK is set, terminal system includes any one among Windows system, iOS system and android system.
According to an embodiment of the invention, after being verified further include: through verifying, using opening an account
SDK binds the payment information of the face information for the user that opens an account and the user that opens an account.
According to an embodiment of the invention, carrying out confirmation to the face information of payment user includes: to utilize at step S706
Pay the face information of the user that opens an account of SDK acquisition.
According to an embodiment of the invention, the face information of payment user is picture;At step S706, to payment user's
Face information confirmed the following steps are included:
Obtain the characteristic point of picture;
Calculate the characteristic distance between the picture of the user that opens an account of picture and preservation;
Judged to pay whether user is the user that opened an account according to characteristic distance.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all in essence of the invention
Within mind and principle, any modification, equivalent replacement, improvement and so on be should all be included in the protection scope of the present invention.
Claims (10)
1. a kind of face payment system characterized by comprising
Face recognition module, the identity for sending after the account opening request for receiving payment application to the payment application are tested
Card information is verified, and is also used to after the face payment request for receiving terminal carry out the face information of payment user true
Recognize, wherein the authentication information includes the face information of the user that opens an account;
Account management platform, for the face letter of the user that opens an account to be acquired and saved through the verifying
Breath, is also used to be paid through the confirmation.
2. face payment system according to claim 1, which is characterized in that further include being connected to the terminal system and institute
The SDK between account management platform is stated, the terminal system includes among Windows system, iOS system and android system
Any one.
3. face payment system according to claim 2, which is characterized in that the SDK includes:
Open an account SDK, for the user that opens an account described in the binding through the verifying the face information and described open
The payment information of family user;
Pay SDK, the face information for the user that opens an account described in acquisition.
4. face payment system according to claim 1, which is characterized in that the face information of the payment user is figure
Piece;The face recognition module includes:
Characteristic point acquisition submodule, for obtaining the characteristic point of the picture;
Characteristic distance computational submodule, the characteristic distance between the picture of the user that opens an account for calculating the picture and preservation;
Judging submodule, for judging whether the payment user is the user that opened an account according to the characteristic distance.
5. face payment system according to claim 1, which is characterized in that the terminal includes retail terminal, medical treatment end
End, education terminal and security terminal among any one.
6. a kind of face method of payment characterized by comprising
The authentication information sent after the account opening request for receiving payment application to the payment application is verified,
In, the authentication information includes the face information of the user that opens an account;
The face information of the user that opens an account is acquired and saved through the verifying;
The face information of payment user is confirmed after the face payment request for receiving terminal;
It is paid through the confirmation.
7. face method of payment according to claim 6, which is characterized in that further include:
SDK is set between the terminal system and the account management platform, the terminal system include Windows system,
Any one among iOS system and android system.
8. face method of payment according to claim 7, which is characterized in that after carrying out the verifying further include:
Through the verifying, using open an account open an account described in SDK binding user the face information and described open
The payment information of family user.
9. face method of payment according to claim 7, which is characterized in that confirm to the face information of payment user
Include:
Utilize the face information for the user that opens an account described in payment SDK acquisition.
10. face method of payment according to claim 6, which is characterized in that the face information of the payment user is figure
Piece;Carrying out confirmation to the face information of payment user includes:
Obtain the characteristic point of the picture;
Calculate the characteristic distance between the picture of the user that opens an account of the picture and preservation;
Judge whether the payment user is the user that opened an account according to the characteristic distance.
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CN111695891A (en) * | 2020-04-08 | 2020-09-22 | 福建酷享网络科技有限公司 | Face-brushing payment method, device, equipment and computer-readable storage medium |
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Application publication date: 20190326 |