CN109949028B - Intelligent settlement network payment system - Google Patents
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Abstract
The invention provides a network payment system with intelligent settlement, which comprises a payment terminal and a payment platform, wherein the payment terminal comprises: the processing device is used for acquiring corresponding commodity information according to the acquired bar code label information and recording the commodity information into a commodity list; calculating the total price of the commodity according to the commodity list; generating a trade order according to the commodity list and the total price of the commodity; the scanning device is used for scanning the bar code label information on the commodity and transmitting the acquired bar code label information to the processing device; the payment device is used for acquiring payment information of a user, sending a transaction order and the payment information to the payment platform, verifying a payment account and a password corresponding to the payment information by the payment platform, and deducting corresponding amount of money in the payment account according to the transaction order after the verification is successful; and the display device is used for displaying the commodity list, the total price and the trading order information. The invention has convenient operation, supports the connection of a plurality of payment terminals and the payment platform and has strong expandability.
Description
Technical Field
The invention relates to the technical field of intelligent payment, in particular to an intelligent settlement network payment system.
Background
With the improvement of quality of life and the continuous emergence of new technologies, the shopping demands of consumers on shopping malls and supermarkets are changing, such as the reduction of queuing, the increase of privacy protection, the quick settlement of a small amount of shopping, mobile payment and the like. However, researches show that the tasks of scanning and settling fees in supermarket cash collection are all undertaken by cashiers, and the current supermarket cash collection is mainly in two modes of cash and card swiping settlement. When the number of shopping customers is large, a cashier has no way to settle payment quickly, so that the phenomenon that the customers get long easily occurs. Therefore, the shopping experience of consumers is influenced, and the sales of shopping malls is also influenced.
Disclosure of Invention
In view of the above problems, the present invention is directed to a payment system with an intelligent settlement network.
The purpose of the invention is realized by adopting the following technical scheme:
it is proposed a network payment system with intelligent settlement, comprising: payment terminal and payment platform, payment terminal includes:
the processing device is prestored with the commodity information and the corresponding bar code label information, and is used for acquiring the corresponding commodity information according to the acquired bar code label information and recording the commodity information into a commodity list; calculating the total price of the commodity according to the commodity list; generating a trade order according to the commodity list and the total price of the commodity;
the scanning device is used for scanning the bar code label information on the commodity and transmitting the acquired bar code label information to the processing device;
the payment device is used for acquiring payment information of a user, sending a transaction order and the payment information to the payment platform, verifying a payment account and a password corresponding to the payment information by the payment platform, and deducting corresponding amount of money in the payment account according to the transaction order after the verification is successful;
and the display device is provided with an operation interface and is used for displaying the commodity list, the total price and the transaction order information, allowing a user to manually input the bar code label information through the operation interface and transmitting the acquired bar code label information to the processing device.
In one embodiment, the payment information includes a member card number, a bank card number, a micro signal, a mobile phone number and other payment account numbers and corresponding payment passwords;
the payment platform verifies the corresponding payment account and the payment password according to the received payment information, and deducts the corresponding amount of money from the pair of payment accounts after the verification is successful; and when the verification fails, the verification failure information is fed back to the payment terminal, and the display device displays the verification failure information.
In one embodiment, the payment information of the user includes user fingerprint information;
the payment device is provided with a fingerprint acquisition unit for acquiring a user fingerprint image and sending the user fingerprint image to the payment platform;
the processing device is also used for identifying and processing the received user fingerprint image, acquiring the user fingerprint characteristic parameters as user fingerprint information and sending the user fingerprint information to the payment platform;
and the payment platform identifies the corresponding user identity from the acquired user fingerprint information, acquires a payment account corresponding to the user identity and verifies the payment account.
The payment platform is pre-stored with user identity information, payment account information of a user and corresponding user fingerprint information.
The invention has the beneficial effects that: the payment terminal is provided with a scanning device, scans the bar code label on the commodity, obtains the commodity information by a processing device, counts the commodity information, generates a transaction order and displays the transaction order by a display device; the user can select different modes to input the payment information through the payment device, the payment device sends the payment information to the payment platform to be verified and corresponding fee deduction, the user operation is convenient, a plurality of payment terminals are supported to be connected with the payment platform, and the expandability is strong.
Drawings
The invention is further illustrated by means of the attached drawings, but the embodiments in the drawings do not constitute any limitation to the invention, and for a person skilled in the art, other drawings can be obtained on the basis of the following drawings without inventive effort.
FIG. 1 is a block diagram of the frame of the present invention;
FIG. 2 is a block diagram of a frame of the payment device of the present invention;
FIG. 3 is a block diagram of a processing apparatus according to the present invention.
Reference numerals:
payment terminal 1, payment platform 2, processing device 11, scanning device 12, payment device 13, display device 14, bank card reading unit 131, two-dimensional code reading unit 132, operation panel 133, fingerprint acquisition unit 134, NFC payment unit 135, fingerprint verification module 110, receiving unit 111, quality evaluation unit 112, preprocessing unit 113, segmentation unit 114, feature extraction unit 115
Detailed Description
The invention is further described in connection with the following application scenarios.
Referring to fig. 1, there is shown a payment system with an intelligent settlement network, comprising: payment terminal 1 and payment platform 2, payment terminal 1 includes:
the processing device 11 is prestored with the commodity information and the corresponding bar code label information, and is used for acquiring the corresponding commodity information according to the acquired bar code label information and counting the commodity information into a commodity list; calculating the total price of the commodity according to the commodity list; generating a trade order according to the commodity list and the total price of the commodity;
the scanning device 12 is used for scanning the barcode label information on the commodity and transmitting the acquired barcode label information to the processing device 11;
the payment device 13 is used for acquiring payment information of a user, sending a transaction order and the payment information to the payment platform 2, verifying a payment account and a password corresponding to the payment information by the payment platform 2, and deducting corresponding amount of money from the payment account according to the transaction order after the verification is successful;
and the display device 14 is provided with an operation interface on the display device 14, and is used for displaying the commodity list, the total price and the transaction order information, enabling a user to manually input the bar code label information through the operation interface, and transmitting the acquired bar code label information to the processing device 11.
In one embodiment, the payment information includes a member card number, a bank card number, a micro signal, a mobile phone number and other payment account numbers and corresponding payment passwords;
the payment platform 2 verifies the corresponding payment account and the payment password according to the received payment information, and deducts the corresponding amount of money from the pair of payment accounts after the verification is successful; when the authentication fails, authentication failure information is fed back to the payment terminal 1, and the display device 14 displays the authentication failure information.
In one scenario, referring to fig. 2, the payment device 13 is provided with a bank card reading unit 131 for reading bank card information, where the bank card information includes a bank card number and a payment password input by a user.
In one scenario, the payment apparatus 13 is further provided with a two-dimensional code reading unit 132, configured to read information such as a WeChat payment code or a Paibao payment code of the user terminal.
In one scenario, the payment apparatus 13 is further provided with an operation panel 133 for a user to input information such as a telephone number.
In the above embodiment of the present invention, the payment terminal is provided with the scanning device, which scans the barcode label on the commodity, and the processing device obtains the commodity information and performs statistics, and generates the transaction order and displays the transaction order through the display device; the user can select different modes to input the payment information through the payment device, the payment device sends the payment information to the payment platform to be verified and corresponding fee deduction, the user operation is very convenient, and a plurality of payment terminals can be connected with the payment platform, so that the expandability is strong.
In one embodiment, the payment information of the user includes user fingerprint information;
the payment device 13 is provided with a fingerprint acquisition unit 134 for acquiring a user fingerprint image and sending the user fingerprint image to the payment platform 2;
the processing device 11 is further configured to perform identification processing on the received user fingerprint image, acquire a user fingerprint characteristic parameter as user fingerprint information, and send the user fingerprint information to the payment platform 2;
the payment platform 2 identifies the corresponding user identity from the acquired user fingerprint information, acquires a payment account corresponding to the user identity, and verifies the payment account.
The payment platform 2 stores user identity information, payment account information of the user, and corresponding user fingerprint information in advance.
In the prior art, a user inputs payment information and pays the payment through different modes, such as inputting a mobile phone number, scanning a two-dimensional code through WeChat and the like, so that the trouble of manual payment can be avoided, but corresponding operations are required to be carried out on corresponding terminals (mobile phones and payment terminals) when payment is carried out through modes, such as inputting a mobile phone number, scanning the two-dimensional code through the mobile phone, or scanning the payment code through a payment device and the like; since the elderly are not familiar with such operation methods, and many times, the elderly cannot perform payment operations alone, the above payment methods cannot meet the requirements of the elderly. In addition, due to the adoption of the mode for payment, potential safety hazards are easily caused by information leakage or equipment loss.
Therefore, in the above embodiment of the present invention, the fingerprint acquisition unit is disposed on the payment device, the processing device is configured to acquire the user fingerprint and transmit the acquired fingerprint information, the processing device processes the acquired fingerprint information to obtain the unique characteristic parameter, and sends the obtained characteristic parameter to the payment platform, the payment platform identifies the user identity and the corresponding payment account according to the characteristic parameter, and the payment platform directly deducts the fee from the payment account, so that the user can pay by the fingerprint, and the payment process can be completed without the help of external equipment or manual information input when the payment platform is used, and the payment platform is very simple and convenient to use. Meanwhile, due to the uniqueness of the fingerprint characteristics, the safety is ensured by identifying the user identity information through the fingerprint characteristic parameters.
Before the first payment, the user only needs to input the fingerprint information in advance, and binds the input fingerprint information with the identity information and the payment account information, and the bound data is stored in the payment platform, so that the corresponding payment account can be identified through the fingerprint information during the payment, the verification of the payment account and the payment password is directly carried out through the fingerprint information, the operation is simple, and the safety performance is high.
In one embodiment, referring to fig. 3, the processing device 11 includes a fingerprint verification module 110, the fingerprint verification module 110 includes a receiving unit 111, a quality evaluation unit 112, a preprocessing unit 113, a segmentation unit 114, and a feature extraction unit 115 connected in sequence;
a receiving unit 111 for receiving the user fingerprint image transmitted by the fingerprint acquisition unit 134;
the quality evaluation unit 112 is used for evaluating the quality of the user fingerprint image, outputting a quality evaluation score, and when the quality evaluation score is larger than a set threshold value, sending the user fingerprint image to the preprocessing unit 113 for further processing; otherwise, controlling the display device 14 to display a reminding message to remind the user to re-input the fingerprint image information;
a preprocessing unit 113, configured to perform enhancement processing on the user fingerprint image, and output an enhanced fingerprint image;
a segmentation unit 114, configured to perform segmentation processing on the enhanced fingerprint image and output a fingerprint portion of the enhanced fingerprint image;
the feature extraction unit 115 is configured to perform feature extraction processing on the fingerprint portion, acquire a feature parameter of the fingerprint portion as user fingerprint information, and send the acquired feature parameter to the payment platform 2, so that the payment platform 2 performs comparison and identification according to the feature parameter to identify a corresponding user identity.
In one embodiment, the quality evaluation unit 112 performs quality evaluation on the user fingerprint image and outputs a quality evaluation score, and the quality evaluation method specifically includes:
for the acquired user fingerprint image HpPerforming edge detection, performing point set convex hull calculation on the edge point set, acquiring the outline of the foreground region and acquiring the total pixel point set contained in the outline of the foreground region as a fingerprint region Qp；
Carrying out gray value detection on the acquired fingerprint area image, and calculating a quality evaluation score of the user fingerprint image by adopting a quality evaluation function;
the quality evaluation function adopted is as follows:
wherein M represents a quality evaluation score, and Q represents a fingerprint region QpH represents the user fingerprint image HpI (Q) represents a fingerprint region QpF (x, y) represents the gray value of the pixel (x, y), count ({ }) represents the number of elements included in the set { }, α, β, γ represent the set quality determination factors, respectively,
respectively representing the set quality evaluation influence factors;
comparing the obtained quality evaluation score M with a set threshold value M', and if the quality evaluation score is larger than the set threshold value, sending the user fingerprint image to the preprocessing unit 113 for further processing; otherwise, a reminding message is generated and sent to the display device 14 to remind the user to re-enter the fingerprint image information.
When a user records a fingerprint image, due to the reason of payment acquisition equipment or manual operation, the condition that the fingerprint image acquisition quality is not ideal is easily caused, and the extraction and identification of the fingerprint characteristic parameters of the fingerprint image with the unsatisfactory quality can cause adverse effects; according to the embodiment of the invention, the quality evaluation unit is used for evaluating the quality of the user fingerprint image acquired by the fingerprint acquisition unit, the quality of the user fingerprint image can be intuitively evaluated through a self-defined evaluation index, and when the quality is found to be not up to the standard, the user is reminded to input fingerprint information again through the fingerprint acquisition unit; the further characteristic parameter extraction processing of the fingerprint image record property is carried out after the recorded fingerprint image meets the requirement, so that the probability of user identity identification error caused by low fingerprint image quality can be effectively reduced, and the reliability of the payment device is improved.
In an embodiment, the preprocessing unit 113 performs enhancement processing on the user fingerprint image, and specifically includes:
performing wavelet decomposition processing on the fingerprint image by adopting a set wavelet basis function and a set wavelet decomposition layer number to obtain a low-frequency wavelet coefficient and a high-frequency wavelet coefficient of each layer;
performing threshold processing on each layer of high-frequency wavelet coefficient to obtain a high-frequency wavelet coefficient subjected to threshold processing;
performing wavelet inverse transformation according to the high-frequency wavelet coefficient and the low-frequency wavelet coefficient after threshold processing, and reconstructing to obtain an enhanced fingerprint image;
wherein, threshold processing is carried out on each layer of high-frequency wavelet coefficient, and the adopted threshold processing function is as follows:
in the formula (I), the compound is shown in the specification,
represents the ith high-frequency wavelet coefficient x of the ith layer after threshold processingi,The jth high-frequency wavelet coefficient of the ith layer representing decomposition, T represents a set decision threshold,
mu respectively represents the set adjustment parameters, and R represents the wavelet decomposition layer number.
In one embodiment, the preprocessing unit 113 further includes, in the thresholding function:
when the high-frequency wavelet coefficient of the ith layer is processed, the decision threshold T in the adopted threshold processing function is specifically:
where T (i) represents a decision threshold, σ, used when processing the i-th layer of high-frequency wavelet coefficientsiRepresents the standard deviation, L, of the i-th layer high frequency coefficientiIndicates the length of the sub-band of the i-th level,
xHrepresenting the high frequency wavelet coefficients of subband HH1, R representing the number of wavelet decomposition levels.
According to the embodiment of the invention, the fingerprint image of the user is preprocessed by adopting the method, the influence of the collected environmental noise on the fingerprint image of the user can be effectively reduced by performing wavelet change on the fingerprint image and then performing threshold processing by adopting the self-defined threshold function, the quality of the fingerprint image is improved, and a foundation is laid for further characteristic parameter extraction and subsequent identification on the fingerprint image.
In one embodiment, the payment device 13 is provided with an NFC payment unit 135, and the NFC payment unit 135 is wirelessly connected to the payment platform 2 and is configured to obtain payment account information of the user.
In the above embodiment of the present invention, the payment device is further provided with an NFC payment unit, and the payment unit can sense the mobile phone of the user or a chip purchased in the card through an NFC near-field sensing technology, and then acquire corresponding payment information.
In one embodiment, the display device 14 is further configured to allow the user to select a payment method, wherein the payment method includes a code-scanning payment;
the display device 14 is further configured to display a payment two-dimensional code generated according to the order information, so that the user can complete payment by scanning the two-dimensional code through network payment software such as a payment treasure and a WeChat.
In one scenario, the display device 14 displays the payment method for selection by the user further includes fingerprint verification payment and NFC near-field payment.
In one scenario, the display device 14 displays the payment mode selected by the user, which further includes bank card payment, account password login payment, and the like.
In the above embodiment of the present invention, after the user uses the scanning device to complete scanning of all the commodities, the user can select a proper payment mode through the display device, then complete a corresponding payment process through a corresponding unit in the payment device, send the payment information to the payment platform, and verify and process the payment information by the payment platform to complete the payment process; the payment system can meet the requirements of different payment modes, has strong expansibility and can be suitable for different scenes.
It should be noted that the technical features of the above embodiments of the present invention may be combined with each other as long as they do not conflict with each other.
Finally, it should be noted that the above embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the protection scope of the present invention, although the present invention is described in detail with reference to the preferred embodiments, it should be analyzed by those skilled in the art that modifications or equivalent substitutions can be made on the technical solutions of the present invention without departing from the spirit and scope of the technical solutions of the present invention.
Claims (4)
1. An intelligent settlement network payment system, comprising: payment terminal and payment platform, payment terminal includes:
the processing device is prestored with the commodity information and the corresponding bar code label information, and is used for acquiring the corresponding commodity information according to the acquired bar code label information and recording the commodity information into a commodity list; calculating the total price of the commodity according to the commodity list; generating a trade order according to the commodity list and the total price of the commodity;
the scanning device is used for scanning the bar code label information on the commodity and transmitting the acquired bar code label information to the processing device;
the payment device is used for acquiring payment information of a user, sending the transaction order and the payment information to the payment platform, verifying a payment account and a password corresponding to the payment information by the payment platform, and deducting corresponding amount of money in the payment account according to the transaction order after the verification is successful;
the display device is provided with an operation interface and is used for displaying the commodity list, the total price and the transaction order information, enabling a user to manually input the bar code label information through the operation interface and transmitting the acquired bar code label information to the processing device;
the payment information of the user comprises user fingerprint information;
the payment device is provided with a fingerprint acquisition unit for acquiring a user fingerprint image and sending the user fingerprint image to the payment platform;
the processing device is also used for identifying and processing the received user fingerprint image, acquiring a user fingerprint characteristic parameter as user fingerprint information and sending the user fingerprint information to the payment platform;
the payment platform identifies the corresponding user identity from the acquired user fingerprint information, acquires a payment account corresponding to the user identity and verifies the payment account;
the processing device comprises a fingerprint verification module, wherein the fingerprint verification module comprises a receiving unit, a quality evaluation unit, a preprocessing unit, a segmentation unit and a feature extraction unit which are sequentially connected;
the receiving unit is used for receiving the user fingerprint image sent by the fingerprint acquisition unit;
the quality evaluation unit is used for evaluating the quality of the user fingerprint image, outputting a quality evaluation score, and sending the user fingerprint image to the preprocessing unit for further processing when the quality evaluation score is larger than a set threshold value; otherwise, controlling the display device to display a reminding message to remind the user to re-input the fingerprint image information;
the preprocessing unit is used for enhancing the user fingerprint image and outputting the enhanced fingerprint image;
the segmentation unit is used for carrying out segmentation processing on the enhanced fingerprint image and outputting a fingerprint part of the enhanced fingerprint image;
the characteristic extraction unit is used for extracting the characteristics of the fingerprint part, acquiring the characteristic parameters of the fingerprint part as user fingerprint information, and sending the acquired characteristic parameters to the payment platform for the payment platform to compare and identify according to the characteristic parameters and identify the corresponding user identity;
the quality evaluation unit is used for evaluating the quality of the user fingerprint image and outputting a quality evaluation score, and specifically comprises:
for the acquired user fingerprint image HpPerforming edge detection, performing point set convex hull calculation on the edge point set, acquiring the outline of the foreground region and acquiring the total pixel point set contained in the outline of the foreground region as a fingerprint region Qp；
Carrying out gray value detection on the acquired fingerprint area, and calculating a quality evaluation score of the user fingerprint image by adopting a quality evaluation function;
the quality evaluation function adopted is as follows:
wherein M represents a quality evaluation score, and Q represents the fingerprint region QpH represents the user fingerprint image HpI (Q) represents a fingerprint region QpF (x, y) represents the gray value of the pixel (x, y), count ({ }) represents the number of elements included in the set { }, α, β, γ represent the set quality determination factors, respectively,
respectively representing the set quality evaluation influence factors;
comparing the obtained quality evaluation score M with a set threshold value M', and if the quality evaluation score is larger than the set threshold value, sending the user fingerprint image to a preprocessing unit for further processing; otherwise, generating a reminding message and sending the reminding message to the display device to remind the user to re-input the fingerprint image information;
the preprocessing unit is used for enhancing the user fingerprint image, and specifically comprises:
performing wavelet decomposition processing on the fingerprint image by adopting a set wavelet basis function and a set wavelet decomposition layer number to obtain a low-frequency wavelet coefficient and a high-frequency wavelet coefficient of each layer;
performing threshold processing on each layer of high-frequency wavelet coefficient to obtain a high-frequency wavelet coefficient subjected to threshold processing;
performing wavelet inverse transformation according to the high-frequency wavelet coefficient and the low-frequency wavelet coefficient after threshold processing, and reconstructing to obtain an enhanced fingerprint image;
wherein, threshold processing is carried out on each layer of high-frequency wavelet coefficient, and the adopted threshold processing function is as follows:
in the formula (I), the compound is shown in the specification,
represents the ith high-frequency wavelet coefficient x of the ith layer after threshold processingi，jThe jth high-frequency wavelet coefficient of the ith layer representing decomposition, T represents a set decision threshold,
mu respectively represents set adjusting parameters, and R represents the number of wavelet decomposition layers;
when the high-frequency wavelet coefficient of the ith layer is processed, the decision threshold T in the adopted threshold processing function is specifically:
where T (i) represents a decision threshold, σ, used when processing the i-th layer of high-frequency wavelet coefficientsiRepresents the standard deviation, L, of the i-th layer high frequency coefficientiIndicates the length of the sub-band of the i-th level,
xHrepresenting the high frequency wavelet coefficients of subband HH1, R representing the number of wavelet decomposition levels.
2. The payment system with intelligent settlement network of claim 1, wherein the payment information comprises member card number, bank card number, micro signal, payment account number of mobile phone number and corresponding payment password;
the payment platform verifies the corresponding payment account and the payment password according to the received payment information, and deducts the corresponding amount of money from the payment account after the verification is successful; and when the verification fails, the verification failure information is fed back to the payment terminal, and the display device displays the verification failure information.
3. The payment system with the intelligent settlement network of claim 1, wherein the payment device is provided with an NFC payment unit, and the NFC payment unit is wirelessly connected to a payment platform and is used for acquiring payment account information of a user.
4. The payment system with the intelligent settlement network of claim 2, wherein the payment device is provided with a bank card reading unit for reading information of the bank card.
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