CN110458657A - A kind of noninductive method of payment and system - Google Patents
A kind of noninductive method of payment and system Download PDFInfo
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- CN110458657A CN110458657A CN201910687943.9A CN201910687943A CN110458657A CN 110458657 A CN110458657 A CN 110458657A CN 201910687943 A CN201910687943 A CN 201910687943A CN 110458657 A CN110458657 A CN 110458657A
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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
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
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- 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
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- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
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- 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
- G06V40/161—Detection; Localisation; Normalisation
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Abstract
The invention discloses a kind of noninductive method of payment and systems, are related to payment technology field, it is intended to solve the problems, such as that the mode of brush face payment in existing unmanned shop is also easy to produce commodity and is stolen, affect the property safety of businessman.Its key points of the technical solution are that entering preceding integral of first making a credit inquiry in customer, carry out risk assessment, the high customer of credit can enjoy the convenient service of noninductive payment, and the customer low for credit score, it needs to pay guarantee fund to let pass again, while import and export being provided with alarm module and cue module, consumer behavior is monitored and is warned, to which reduction will be lost, achieve the effect that improve safety of payment.
Description
Technical field
The present invention relates to payment technology fields, more particularly, to a kind of noninductive method of payment and system.
Background technique
Unmanned shop is a kind of completely new shopping mode risen at present, and in this mode, shop/supermarket sees without shop assistant
Pipe can realize a series of processes of shopping payment automatically.In current unmanned shop, the payment of similar Alipay is mainly used
Platform completes one-stop operation, enters unmanned shop, shopping by mobile phone barcode scanning, the secondary barcode scanning of mobile phone carries out disbursement and sattlement, leads to
It crosses Alipay platform and realizes auto deduction.Its benefit is that shopping is convenient, but needs to be operated by mobile phone terminal every time, each
User enters shop from mobile phone terminal barcode scanning and also needs barcode scanning to shop out, occupies more time, inconvenient to use, inefficiency.
The China of existing Publication No. CN108108976A discloses a kind of brush face payment retail terminal, it is characterised in that:
With terminal shell, touch screen display module, camera and payment module be installed on the front end face of terminal shell, in terminal shell
Control module and communication module be installed, the touch screen display module, camera, payment module and communication module with control mould
Block circuit connection, the camera carry out operator towards touch screen display module front to obtain on touch screen display module
The face image of member.
Prior art among the above has the following deficiencies: for unmanned shop, lacks the basic protection to commodity, if
It is that someone makes a forcible entry into shop and take away commodity, is huge property loss for businessman, which has to be solved.
Summary of the invention
The object of the present invention is to provide a kind of noninductive method of payment and system, having reduces unmanned shop loss to mention
The effect of high payment safety.
Foregoing invention purpose one of the invention has the technical scheme that
A kind of noninductive method of payment, comprising:
When customer enters in admission acquisition zone, admission face information is acquired by camera, it will be in the admission face information
It reaches cloud and adds in storage data list；
When customer walks to admission preset areas, admission face information is compared with cloud database, inquires the letter of the customer
With integral；
If credit score is higher than predetermined value, opens access hatch and enter for customer, and by the admission face information of the customer
It is added in disengaging list, if credit score is lower than predetermined value, customer is then turned on the access hatch after paying guarantee fund；
When customer runs to appearance acquisition zone, appearance face information is acquired by camera；
When customer walks to appearance preset areas, by the appearance face information respectively with storage data list and disengaging list progress
It compares；
If the appearance face information simultaneously with storage data list and disengaging list match, from the customer binding account in
The corresponding amount of money is deducted, port strobe is opened out and is walked out for customer, if the appearance face information is only matched with storage data list,
The payment of customer's barcode scanning, returns customer guarantee fund, is then turned on the port strobe out；
The information of the customer is deleted from the disengaging list.
By using above-mentioned technical proposal, customer needs first to carry out face recognition before entering market, and data beyond the clouds
The credit score of customer is inquired in library, the customer high for credit score can directly open access hatch and enter for customer, and
The customer low for credit score, due to consideration that there are credit record of bad behavior, it is therefore desirable to which customer is by paying guarantee fund
Openable access hatch.When customer leaves market, carry out face recognition again, obtain appearance face information, then inquire into
Library data list and disengaging list.If appearance face information simultaneously with storage data list and pass in and out list match, from tying up
Determine amount deducted in account, opens out port strobe.If appearance face information only matches with storage data list and is passing in and out list
It is middle that without matching object, the credit score for then representing the customer is inadequate, and client can only select barcode scanning to pay, while deposit released,
Port strobe can just be opened out.Enter preceding integral of first making a credit inquiry in customer, carries out risk assessment, the high customer of credit can enjoy
To the convenient service of noninductive payment.The customer low for credit score pays the mode that guarantee fund lets pass again, and loss is reduced,
To achieve the effect that improve safety of payment.
The present invention is further arranged to: if it fails to match with cloud database for the admission face information, customer is paid
Access hatch is then turned on after guarantee fund.
By using above-mentioned technical proposal, if face information is with cloud database, it fails to match, indicates the customer in market
It is interior unregistered.Since the identity to the customer not can guarantee, it is therefore desirable to customer pays guarantee fund's just openable access hatch, from
And reduce as customer's discreditable behavior and caused by businessman lose, improve payment safety.
The present invention is further arranged to: it is described by camera acquire admission face information include: camera acquire admission
The admission facial image is sent to backstage, extracted from the admission facial image for confirming body from the background by facial image
The admission face information of part.
By using above-mentioned technical proposal, camera acquires the admission facial image of customer, utilizes its computing function from the background
The discriminance analysis admission facial image confirms the identity of admission customer to obtain admission face information.
The present invention is further arranged to: it is described by camera acquire appearance face information include: camera acquisition appear on the scene
The appearance facial image is sent to backstage, extracted from the appearance facial image for confirming body from the background by facial image
The appearance face information of part.
By using above-mentioned technical proposal, camera acquires the admission facial image of customer, utilizes its computing function from the background
The discriminance analysis admission facial image confirms the identity of admission customer to obtain admission face information.
The present invention is further arranged to: when customer is forced through access hatch or port strobe out, triggering alarm, while
The corresponding credit score of the customer is deducted out of described cloud database in cloud.
It is anti-in time when in order to play alarm function and robbery event occur in market by using above-mentioned technical proposal
It should start alert program to reduce loss, when customer is forced through access hatch or port strobe out, not only alert customer, but also
The relevant personnel are notified to recover loss, to achieve the effect that improve safety.
The present invention is further arranged to: when customer carries non-payment for merchandise, being issued prompt tone, is reminded customer payment.
By using above-mentioned technical proposal, non-payment for merchandise inadvertently or is deliberately carried in customer and wants to walk out market
When, customer payment is prompted, to be further reduced loss, improves payment safety.
Foregoing invention purpose two of the invention has the technical scheme that
A kind of noninductive payment system characterized by comprising data acquisition module, for acquiring admission facial image and appearance
Facial image；
Image analysis module, for analyzing admission face information respectively according to the admission facial image and appearance facial image
With appearance face information；
Cloud, for the admission face information to be compared with cloud database, the credit score of the customer is inquired in inquiry,
Or deduct the credit score of customer；
Guarantee fund accepts module, for managing the guarantee fund of customer, including reception, verifies and returns；
Control module, for controlling access hatch and the out switch of port strobe；
Alarm module, for being forced through access hatch or out port strobe alarm in customer；
Radio frequency identification module, for carrying out radio frequency reading to the commodity in customer purchase vehicle；
Cue module is reminded and is cared for for issuing prompt tone when radio frequency identification module detects that customer carries non-payment for merchandise
Visitor's payment；
Payment module, for payment code to be withholdd or generated from clients account for customer's barcode scanning.
By using above-mentioned technical proposal, data acquisition module and image analysis module carry out face recognition process, in cloud
End confirms to the identity of customer and integral of making a credit inquiry, convenient for based on the considerations of the Gu for being directed to different situations under risk assessment
Visitor carries out different operations.The customer low for non-registered customer or credit score, guarantee fund's acceptance module receive it and pay
Guarantee fund ability clearance customer.Alarm module, radio frequency identification module and cue module are monitored simultaneously the consumer behavior of customer
It reacts in the event of an accident, reduces the improper activity of customer, to reduce loss, achieved the effect that improve safety of payment.
The present invention is further arranged to: above-mentioned noninductive payment system further includes display system, for showing account to customer
Remaining sum and spending amount.
By using above-mentioned technical proposal, display system shows the account balance and spending amount of customer, so that customer
Process of consumption is more comfortable.
In conclusion advantageous effects of the invention are as follows:
Enter preceding integral of first making a credit inquiry in customer, carries out risk assessment, the high customer of credit can enjoy noninductive payment
Convenient service.The customer low for credit score, pays guarantee fund and lets pass again, and loss is reduced, to reach raising payment
The effect of safety.
Detailed description of the invention
Fig. 1 is the overall scenario structural schematic diagram of import and export of the embodiment of the present invention；
Fig. 2 is the method flow schematic diagram of the embodiment of the present invention；
Fig. 3 is the system framework schematic diagram of the embodiment of the present invention.
Specific embodiment
The invention discloses a kind of noninductive methods of payment, are the overall scenario structural representation of market import and export referring to Fig.1
There are outlet and entrance two roads for customer's walking in figure, market, and inlet is provided with access hatch, and exit is provided with outlet
Gate.Extending direction where entrance at road along road is provided with admission acquisition zone and admission preset areas, admission preset areas
Close to access hatch.Road is provided with appearance acquisition zone and appearance preset areas along the extending direction of road where outlet, appears on the scene
Preset areas is close to port strobe out.As shown in Figure 1, along road extending direction from top to bottom, admission acquisition zone and admission preset areas
Positioned at the top of access hatch, appearance acquisition zone and appearance preset areas are positioned at the lower section for going out port strobe.Road is not limited only to straight line
Road, it is equally applicable with the road to turn round.Admission acquisition zone and appearance acquisition zone are mounted on camera, admission preset areas and go out
Field preset areas is mounted on LED display.
A kind of noninductive method of payment, includes the following steps:
S1, it is first stepped into admission acquisition zone when customer enters market, camera acquires admission facial image at this time, by admission people
Face image is sent to backstage.Admission face information is extracted on backstage from admission facial image, for confirming the identity of customer, then
Admission face information is uploaded to cloud and is added in storage data list.In the present embodiment, admission facial image is adopted
The analysis of collection and admission face information is existing face recognition technology.
S2, when customer continues to walk along road to admission preset areas, by the cloud database of admission face information and cloud
It is compared, if databases are matched in user with the admission face information beyond the clouds, then it represents that the customer is the market
User is registered, the credit score of the customer is inquired.
In the present embodiment, store all registration user informations in the market in cloud database, user by APP or
Person's public platform acquires the face-image of user, including multiple sides such as still image, dynamic image, different positions, different expressions
Face forms the unique identification data of user.Meanwhile the essential informations such as upload user identity document, contact method.Most
Account is bound payment account, such as wechat, Alipay, credit card again by user afterwards, these information are added to cloud number from the background
According to library, while user exempts from close payment authorization to accounts such as market unlatching wechat, Alipay or Unionpay.In user's original state
Under, by all information supplements are complete and successful registration, it can be obtained credit score.
If S3, the credit score for inquiring the customer are higher than predetermined value, access hatch is opened for customer and enters consumption, and
And the admission face information of the customer is added in disengaging list.If credit score is lower than predetermined value, customer pays guarantee
Access hatch is then turned on after gold.
S4, when customer runs to appearance acquisition zone, camera acquire appearance facial image, appearance facial image is sent
To backstage, the appearance face information for confirming identity is extracted from appearance facial image from the background.
S5, when customer walks to appearance preset areas, by appearance face information respectively with storage data list and pass in and out list
It is compared.
If S6, appearance face information are simultaneously with storage data list and disengaging list match, the account bound from the customer
It is indoor to deduct the corresponding amount of money, it opens out port strobe and is walked out for customer, if appearance face information is only matched with storage data list,
The payment of customer's barcode scanning, returns customer guarantee fund, is then turned on out port strobe.
S7, the information that the customer is deleted from disengaging list.In the present embodiment, disengaging list be used for record customer into
Artificial situation, if closing shop in market or within the maintenance process customer off-limits period, discovery exists in disengaging list memory
Customer indicates that client does not leave also, can manually make reaction.A period can be set in disengaging list, from entrance
Gate opening allow the customer enter time be the admission moment, if since entry time, stop be more than certain time length also not from
It opens, then staff enters inspection.Preferably, the timing that was limited apart from the admission moment 24 hours is long.
In step s 2, if admission face information is with cloud database, it fails to match, and indicating the customer not is market note
Volume user, can not inquire the information of the customer, then after customer pays guarantee fund at this time, cloud is receiving beyond the clouds in database
After signal after paying to guarantee fund, then control unlatching access hatch.
When customer is forced through access hatch or port strobe out, triggering alarm, while beyond the clouds out of cloud database
Deduct the corresponding credit score of the customer.
When customer carries non-payment for merchandise, prompt tone is issued, reminds customer payment.
The invention discloses a kind of noninductive payment systems, referring to Fig. 2 characterized by comprising data acquisition module is used
In acquisition admission facial image and appearance facial image；
Image analysis module, for analyzing admission face information respectively according to admission facial image and appearance facial image and going out
Field face information；
Cloud, for admission face information to be compared with cloud database, the credit score of the customer is inquired in inquiry, or
Deduct the credit score of customer；
Guarantee fund accepts module, for managing the guarantee fund of customer, including reception, verifies and returns；
Control module, for controlling access hatch and the out switch of port strobe；
Alarm module, for being forced through access hatch or out port strobe alarm in customer；
Radio frequency identification module, for carrying out radio frequency reading to the commodity in customer purchase vehicle；
Cue module is reminded and is cared for for issuing prompt tone when radio frequency identification module detects that customer carries non-payment for merchandise
Visitor's payment；
Payment module, for payment code to be withholdd or generated from clients account for customer's barcode scanning.
It further include display module, for showing account balance and spending amount to customer.
The implementation principle of above-described embodiment are as follows: enter preceding integral of first making a credit inquiry in customer, carry out risk assessment, credit is high
Customer can enjoy the convenient service of noninductive payment.The customer low for credit score, pays guarantee fund and lets pass again, will damage
Losing reduces, to achieve the effect that improve safety of payment.
The embodiment of present embodiment is presently preferred embodiments of the present invention, not limits protection of the invention according to this
Range, therefore: the equivalence changes that all structures under this invention, shape, principle are done, should all be covered by protection scope of the present invention it
It is interior.
Claims (8)
1. a kind of noninductive method of payment characterized by comprising
When customer enters in admission acquisition zone, admission face information is acquired by camera, it will be in the admission face information
It reaches cloud and adds in storage data list；
When customer walks to admission preset areas, admission face information is compared with cloud database, inquires the letter of the customer
With integral；
If credit score is higher than predetermined value, opens access hatch and enter for customer, and by the admission face information of the customer
It is added in disengaging list, if credit score is lower than predetermined value, customer is then turned on the access hatch after paying guarantee fund；
When customer runs to appearance acquisition zone, appearance face information is acquired by camera；
When customer walks to appearance preset areas, by the appearance face information respectively with storage data list and disengaging list progress
It compares；
If the appearance face information simultaneously with storage data list and disengaging list match, from the customer binding account in
The corresponding amount of money is deducted, port strobe is opened out and is walked out for customer, if the appearance face information is only matched with storage data list,
The payment of customer's barcode scanning, returns customer guarantee fund, is then turned on the port strobe out；
The information of the customer is deleted from the disengaging list.
2. a kind of noninductive method of payment according to claim 1, it is characterised in that: if the admission face information and cloud
Database matching failure, then customer is then turned on access hatch after paying guarantee fund.
3. a kind of noninductive method of payment according to claim 2, it is characterised in that: described to acquire admission people by camera
Face information includes: camera acquisition admission facial image, the admission facial image is sent to backstage, from the background from the admission
The admission face information for confirming identity is extracted in facial image.
4. a kind of noninductive method of payment according to claim 3, it is characterised in that: described to acquire appearance people by camera
Face information includes: camera acquisition appearance facial image, the appearance facial image is sent to backstage, from the background from the appearance
The appearance face information for confirming identity is extracted in facial image.
5. a kind of noninductive method of payment according to claim 4, it is characterised in that: when customer be forced through access hatch or
Out when port strobe, triggering alarm, while the corresponding credit score of the customer is deducted out of described cloud database beyond the clouds.
6. a kind of noninductive method of payment according to claim 5, it is characterised in that: when customer carries non-payment for merchandise,
Prompt tone is issued, customer payment is reminded.
7. a kind of noninductive payment system characterized by comprising data acquisition module, for acquiring admission facial image and going out
Field facial image；
Image analysis module, for analyzing admission face information respectively according to the admission facial image and appearance facial image
With appearance face information；
Cloud, for the admission face information to be compared with cloud database, the credit score of the customer is inquired in inquiry,
Or deduct the credit score of customer；
Guarantee fund accepts module, for managing the guarantee fund of customer, including reception, verifies and returns；
Control module, for controlling access hatch and the out switch of port strobe；
Alarm module, for being forced through access hatch or out port strobe alarm in customer；
Radio frequency identification module, for carrying out radio frequency reading to the commodity in customer purchase vehicle；
Cue module is reminded and is cared for for issuing prompt tone when radio frequency identification module detects that customer carries non-payment for merchandise
Visitor's payment；
Payment module, for payment code to be withholdd or generated from clients account for customer's barcode scanning.
8. a kind of noninductive payment system according to claim 7, it is characterised in that: further include display module, be used for Gu
Display screen shows account balance and spending amount.
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| CN201910687943.9A CN110458657A (en) | 2019-07-29 | 2019-07-29 | A kind of noninductive method of payment and system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN112365255A (en) * | 2020-10-28 | 2021-02-12 | 中标慧安信息技术股份有限公司 | Non-inductive payment method and system for supermarket |
| CN116580509A (en) * | 2023-05-17 | 2023-08-11 | 广东天之河信息技术有限公司 | Intelligent supermarket shopping cashing and settling method |
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| US20180260877A1 (en) * | 2017-03-07 | 2018-09-13 | Alibaba Group Holding Limited | Order determination in an unmanned store |
| KR101858530B1 (en) * | 2017-07-14 | 2018-05-17 | 주식회사 코리아세븐 | Unattended store system, method for controlling the system, computer program for executing the method, and unattended payment device |
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| CN112365255A (en) * | 2020-10-28 | 2021-02-12 | 中标慧安信息技术股份有限公司 | Non-inductive payment method and system for supermarket |
| CN116580509A (en) * | 2023-05-17 | 2023-08-11 | 广东天之河信息技术有限公司 | Intelligent supermarket shopping cashing and settling method |
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