CN110930160B - Change money management method and device based on face recognition and electronic equipment - Google Patents
Change money management method and device based on face recognition and electronic equipment Download PDFInfo
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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
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Abstract
The invention provides a change management method and device based on face recognition and electronic equipment. The method comprises the following steps: A. receiving a deduction request, a face image, a consumption amount and consumption item information sent by a server; B. matching the received face image with a face image in a pre-stored face database; C. inquiring the sub-account number corresponding to the matched face image; D. judging whether the balance of the sub account is not less than the consumption amount; E. if the judgment result is yes, sending a deduction permission instruction to the server, and if the judgment result is not yes, sending a deduction refusing instruction to the server. The device comprises a receiving module, an identification module, a query module, a judging module and a sending module. The electronic device comprises a processor and a memory, the processor being arranged to execute the above-mentioned method by invoking a computer program in the memory. The method, the device and the electronic equipment are convenient for the child to pay under the condition of no mobile phone, and parents can know the consumption condition of the child in time.
Description
Technical Field
The invention relates to the technical field of account management, in particular to a change management method and device based on face recognition and electronic equipment.
Background
The traditional way of dispensing change to children is cash, more and more people in recent years adopt a mobile phone payment way, so that most merchants receive mobile phone payment, and more parents choose to dispense change through the mobile phone, however, the change can be consumed only by needing the children to carry the mobile phone, and because the learning and eye health of the children can be influenced by frequent mobile phone playing, a plurality of schools can prohibit students from learning with the mobile phone, and at the moment, the children can not pay smoothly.
In addition, the child uses the change to consume, and the parents are generally unknown, so that the parents cannot judge whether the change mode of the child is reasonable or not, and cannot correct the wrong consumption habit of the child in time.
Disclosure of Invention
In view of the shortcomings of the prior art, the invention aims to provide a change management method, a device and electronic equipment based on face recognition, which are convenient for children to pay under the condition of no mobile phone and can enable parents to know the consumption condition of the children in time.
In order to achieve the above purpose, the invention adopts the following technical scheme:
a change management method based on face recognition is applied to a terminal bound with a main account, and comprises the following steps:
A. receiving a deduction request, a face image, a consumption amount and consumption item information sent by a server;
B. matching the received face image with a face image in a pre-stored face database;
C. inquiring the sub-account number corresponding to the matched face image;
D. judging whether the balance of the sub account is not less than the consumption amount;
E. if the judgment result is yes, sending a deduction permission instruction to the server, and if the judgment result is not yes, sending a deduction refusing instruction to the server.
In the face recognition-based change management method, the consumption item information is a merchant name and/or a commodity name.
In the face recognition-based change management method, the deduction request, the face image, the consumption amount and the consumption item information come from face payment equipment and are forwarded by a self-server; and after the face payment equipment performs face image matching once, inquiring the account number of the corresponding main account, wherein the deduction request comprises the account number.
In the face recognition-based change management method, a plurality of sub-accounts can be set in the same main account, and the pre-stored face database contains the numbers of the sub-accounts and corresponding face images.
In the face recognition-based change management method, face images of all sub-accounts are bound with corresponding main accounts, and when face images are matched with face payment equipment, the face images are matched with one face image only, so that the matching is successful.
In the face recognition-based change management method, the balance of each sub account is drawn in from the balance of the main account according to a preset period and a preset amount.
In the face recognition-based change management method, the step C further comprises the following steps:
F. the consumption amount and the consumption item information are recorded in a consumption running bill of the corresponding sub account.
A change management device based on face recognition, comprising:
the receiving module is used for receiving the deduction request, the face image, the consumption amount and the consumption item information sent by the server;
the recognition module is used for matching the received face image with the face image in the pre-stored face database;
the inquiry module is used for inquiring the sub-account number corresponding to the matched face image;
the judging module is used for judging whether the balance of the sub account is not less than the consumption amount;
and a sending module: and the method is used for sending an instruction for allowing deduction to the server when the judging result of the judging module is yes, and sending an instruction for refusing deduction to the server when the judging result is no.
The change management device based on face recognition further comprises:
and the recording module is used for recording the consumption amount and the consumption item information in the consumption running bill of the corresponding sub account.
An electronic device comprising a processor and a memory, said memory having stored therein a computer program for executing said face recognition based change management method by invoking said computer program stored in said memory.
The beneficial effects are that:
according to the face recognition-based change management method, the face recognition-based change management device and the electronic equipment, when the owner corresponding to the sub-account pays by using the face payment equipment, a fee deduction request, a face image, a consumption amount and consumption item information are sent from a server to a terminal bound with a main account, and the terminal judges whether the balance of the corresponding sub-account is enough according to the face image, so that a deduction permission instruction or a deduction refusing instruction is sent to the server; the main advantages are:
1. the sub-account owners can pay through face brushing without holding terminals such as mobile phones, and the mobile phone payment method is suitable for children who are not allowed to carry mobile phones to use;
2. the terminal bound by the main account judges whether to allow deduction or not after matching the face image, so that money loss of a user due to the fact that the server information is sent by an object error can be avoided;
3. the terminal bound by the main account receives the consumption amount and the consumption item information, so that the consumption condition of the sub-account owner can be known in time, and the terminal bound by the main account is suitable for parents.
Drawings
Fig. 1 is a flowchart of a change management method based on face recognition provided by the invention.
Fig. 2 is a schematic structural diagram of the change management device based on face recognition.
Fig. 3 is a schematic structural diagram of an electronic device provided by the present invention.
Description of the embodiments
Embodiments of the present invention are described in detail below, examples of which are illustrated in the accompanying drawings, wherein the same or similar reference numerals refer to the same or similar elements or elements having the same or similar functions throughout. The embodiments described below by referring to the drawings are exemplary only for explaining the present invention and are not to be construed as limiting the present invention.
The terms first, second, third and the like in the description and in the claims of the present application and in the above-described figures, if any, are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It will be appreciated that the objects so described may be interchanged where appropriate. Furthermore, the terms "comprise" and "have," as well as any variations thereof, are intended to cover a non-exclusive inclusion. For example, a process, method, or apparatus, terminal, system comprising a series of steps is not necessarily limited to those steps or modules or units explicitly listed and may include steps or modules or units not explicitly listed or may include other steps or modules or units inherent to such process, method, apparatus, terminal, or system.
Referring to fig. 1, the invention provides a change management method based on face recognition, which is applied to a terminal (such as a mobile phone, a tablet computer, a computer, etc.) bound with a main account, and comprises the following steps:
A. and receiving the deduction request, the face image, the consumption amount and the consumption item information sent by the server.
The consumption item information is a merchant name and/or commodity name, so that parents (main account binding owners) can timely know specific consumption conditions of children (sub account owners) through the bound terminals.
Specifically, the deduction request, the face image, the consumption amount and the consumption item information come from face payment equipment and are forwarded by a self-server; and after the face payment equipment performs face image matching once, inquiring the account number of the corresponding main account, wherein the deduction request comprises the account number.
The detailed process is as follows:
when a child (sub-account owner) pays by adopting the face payment equipment, information such as consumption amount, consumption item information and the like is input by a merchant (for example, the purchased commodity can be scanned to finish the input of the consumption amount and the consumption item information, and the information can also be manually input), then a face image of the child is acquired, then the face image is matched with a face image stored in a local face database, a corresponding account number (account number of a main account) is queried after the face image is successfully matched, the account number is contained in a fee deduction request when the fee deduction request is generated, and finally the fee deduction request, the face image, the consumption amount and the consumption item information are transmitted to a server;
after receiving the deduction request, the face image, the consumption amount and the consumption item information, the server forwards the information to the terminal bound by the corresponding main account according to the account number in the deduction request;
it should be noted that, the face image and the corresponding account number of the face database in the face payment device are uploaded to the server by the terminal bound by the main account, and then are regularly issued to the face payment device by the server for updating. The face recognition is carried out by each face payment device, but not by the server, so that the burden of the server can be greatly reduced, and the smooth operation of the whole system is ensured.
B. And matching the received face image with the face image in the pre-stored face database.
The face database is a database which is pre-stored in the local terminal and contains face images.
The terminal performs face recognition again locally, so that the main account which receives the information when the face payment equipment is in error matching or the server sends the information is wrong can be prevented from being damaged.
In order to further avoid the loss of the main account which receives the information when the face payment equipment is in error matching or the server sends the information is in error, the account in the fee deduction request and the account of the bound main account can be compared once on the terminal, and the subsequent operation is performed only when the account and the account are identical.
C. And inquiring the sub-account number corresponding to the matched face image.
In this embodiment, a plurality of sub-accounts may be set in the same main account, and the pre-stored face database includes the numbers of the sub-accounts and the corresponding face images.
For example, a parent has two children, the parent opens a main account, then sets two sub-accounts under the name of the main account in the bound terminal, and uploads the face image of the corresponding child for each sub-account, and each sub-account is automatically assigned with a number (or can be manually set); when a child who owns the sub-account 1 uses the face payment equipment to pay, the sub-account number inquired after face matching is 1, and the deduction time is deducted from the balance of the sub-account 1.
Therefore, the plurality of sub-accounts can be managed by only one main account, and when the consumption conditions of different sub-accounts are checked, account switching is not needed, so that the use is convenient.
Further, when the face images of all the sub-accounts are bound with the corresponding main accounts and the face payment equipment matches the face images, the matching is successful only by matching with one of the face images. When the main account is provided with the sub-accounts, the face images of the sub-accounts are uploaded to the server, and the server binds all the face images uploaded by the same main account to the account number of the main account and then sends the face images to all face payment devices together, so that only one face image needs to be matched, and the matching is successful.
D. And judging whether the balance of the sub account is not less than the consumption amount.
The main account has a total balance, each sub account has a balance, the balances of the sub accounts are independent, and the balances of the sub accounts are all drawn from the total balance of the main account. The remaining balance, which is called the allocatable balance except for the part of each sub-account, is the total balance of the main account, and only the total balance of the main account is recorded in the server.
In some embodiments, the balance of each sub-account is debited from the balance of the main account (and in particular the allocable balance therein) according to a preset period and a preset credit. The period and the amount can be set respectively, and the period and the amount of different sub-accounts can be different.
For example, there are two sub-accounts, the set debiting period for sub-account 1 is 1 month and the credit is 600 yuan, the set debiting period for sub-account 2 is 1 week and the credit is 150 yuan, then 600 yuan from the allocable balance of the main account will be debited for the first day of each month, and 150 yuan for each monday will be debited for sub-account 2. The date of execution of the scribing operation may be preset, and for example, it may be set that the scribing is executed on the 7 th day of each month, the scribing is executed on the tuesday of each week, or the like.
The balance can be paid to the sub-account in an irregular and non-rated manner, the main account owner inputs the amount of money and performs the paying after the identity authentication during the paying, and the identity authentication can be realized by inputting a password, fingerprint recognition, face recognition, iris recognition and the like.
In some preferred embodiments, the balance of the sub-account may be divided into a deposit balance and an available balance, the payment may be made only from the available balance when the payment is made, and the available balance may be used to compare with the consumption amount when determining whether the balance of the sub-account is not less than the consumption amount.
Further, the deposit balance is input by the sub account owner and is drawn from the available balance after identity authentication; the savings balance is automatically fully debited to the available balance upon reaching a preset date, which is set by the sub-account owner. The money in the available balance can be drawn into the savings balance at any time before the preset date is reached.
Through the function, the child can be helped to develop deposit habits, preferably, the interest of the deposit balance can be calculated according to the preset interest rate when the preset date is reached, and the child can be drawn into the sub-account according to the corresponding interest from the distributable balance of the main account so as to develop the financial capability of the child.
E. If the judgment result is yes, sending a deduction permission instruction to the server, and if the judgment result is not yes, sending a deduction refusing instruction to the server.
If the result is yes, the balance of the sub account is indicated to be enough to pay the consumption amount, at the moment, an instruction for allowing deduction is sent to the server, and the server receives the instruction and deducts money from the corresponding main account; if yes, indicating that the balance of the sub account is insufficient to pay the consumption amount, sending a deduction rejection instruction to the server at the moment, and not executing deduction after the server receives the instruction.
In the preferred embodiment, after deduction is performed, the server transfers the deducted money to the transfer account (i.e. the account bound by the face payment device) of the corresponding merchant, and sends account reminding information to the face payment device, and simultaneously sends deduction reminding information to the terminal bound by the deducted main account, so that the merchant and the owner of the main account can know the transaction completion condition in time.
Further, the account-checking reminding information contains an account-checking amount so that the merchant checks correctly, and the deduction reminding information contains a deduction amount so that the owner of the main account checks correctly.
Further, if the server receives the instruction of refusing to deduct money, the server sends a reminding message (such as 'insufficient balance') that the deduction is unsuccessful to the face payment equipment while not executing the deduction, so that merchants and sub-account owners can timely know that the deduction is unsuccessful.
Further, the sub-account owner can send a balance inquiry request to the server after face recognition is carried out in the face payment equipment, the server sends the balance inquiry request to the terminal bound with the main account, and the terminal sends the balance information of the corresponding sub-account back to the server after receiving the balance inquiry request and forwards the balance information to the face payment equipment by the server.
In some preferred embodiments, step C is followed by the step of:
F. the consumption amount and the consumption item information are recorded in a consumption running bill of the corresponding sub account.
Each sub account is correspondingly provided with a consumption running bill, and consumption amount and consumption item information and corresponding time are recorded in the corresponding consumption running bill each time so that a main account owner can review consumption histories of the sub accounts. Through the function, parents can systematically know the consumption habits of children, so that the parents can timely find out the bad consumption habits of the children and timely correct the bad consumption habits.
The consumption running bill can be emptied according to a preset period, so that the excessive storage space of the terminal is prevented from being occupied; manual emptying can also be performed, so that emptying can be performed as required to avoid occupying too much storage space of the terminal.
In the change management method, when the owner corresponding to the sub-account uses the face payment equipment to pay, the fee deduction request, the face image, the consumption amount and the consumption item information are sent from the server to the terminal bound to the main account, and the terminal judges whether the balance of the corresponding sub-account is enough according to the face image, so that a fee deduction permission instruction or a fee deduction refusing instruction is sent to the server; the main advantages are:
1. the sub-account owners can pay through face brushing without holding terminals such as mobile phones, and the mobile phone payment method is suitable for children who are not allowed to carry mobile phones to use;
2. the terminal bound by the main account judges whether to allow deduction or not after matching the face image, so that money loss of a user due to the fact that the server information is sent by an object error can be avoided;
3. the terminal bound by the main account receives the consumption amount and the consumption item information, so that the consumption condition of the sub-account owner can be known in time, and the terminal bound by the main account is suitable for parents;
4. the consumption behavior of each sub-account can be recorded to form a consumption running bill, so that a main account owner can review the consumption history of each sub-account, and the system knowledge of parents on the consumption habit of children is facilitated, and accordingly bad consumption habits of the parents can be found out in time and corrected in time.
Referring to fig. 2, the invention further provides a change management device based on face recognition, which comprises a receiving module 1, a recognition module 2, a query module 3, a judging module 4 and a sending module 5;
the receiving module 1 is configured to receive a fee deduction request, a face image, a consumption amount, and consumption item information from the server 90;
the recognition module 2 is used for matching the received face image with the face image in the pre-stored face database;
the query module 3 is used for querying the sub-account number corresponding to the matched face image;
the judging module 4 is used for judging whether the balance of the sub account is not less than the consumption amount;
wherein, the sending module 5: and the module is used for sending a deduction permission instruction to the server 90 when the judging result of the judging module is yes, and sending a deduction refusing instruction to the server when the judging result is no.
In some preferred embodiments, the change management device based on face recognition further includes a recording module 6, where the recording module 6 is configured to record the consumption amount and the consumption item information in a consumption running bill of the corresponding sub account.
In the above-mentioned device, when the owner corresponding to the sub-account uses the face payment device to pay, the terminal bound to the main account sends a deduction request, a face image, a consumption amount and consumption item information from the server, and the terminal judges whether the balance of the corresponding sub-account is enough according to the face image, so as to send a deduction permission instruction or a deduction refusal instruction to the server; the main advantages are:
1. the sub-account owners can pay through face brushing without holding terminals such as mobile phones, and the mobile phone payment method is suitable for children who are not allowed to carry mobile phones to use;
2. the terminal bound by the main account judges whether to allow deduction or not after matching the face image, so that money loss of a user due to the fact that the server information is sent by an object error can be avoided;
3. the terminal bound by the main account receives the consumption amount and the consumption item information, so that the consumption condition of the sub-account owner can be known in time, and the terminal bound by the main account is suitable for parents;
4. the consumption behavior of each sub-account can be recorded to form a consumption running bill, so that a main account owner can review the consumption history of each sub-account, and the system knowledge of parents on the consumption habit of children is facilitated, and accordingly bad consumption habits of the parents can be found out in time and corrected in time.
Referring to fig. 3, the present invention further provides an electronic device 100, including a processor 101 and a memory 102, where the memory 101 stores a computer program, and the processor 102 is configured to execute the above-mentioned change management method based on face recognition by calling the computer program stored in the memory 101.
The electronic device 100 may be a smart phone, a tablet computer, a computer, etc., wherein the processor 101 is electrically connected to the memory 102. The processor 101 is a control center of the electronic device 100, connects various parts of the entire electronic device using various interfaces and lines, and performs various functions of the electronic device and processes data by running or calling computer programs stored in the memory 102, and calling data stored in the memory 102, thereby performing overall monitoring of the electronic device.
In this embodiment, the processor 101 in the electronic device 100 loads instructions corresponding to the processes of one or more computer programs into the memory 102 according to the following steps, and the processor 101 executes the computer programs stored in the memory 102, so as to implement various functions: according to the invention, the deduction request, the face image, the consumption amount and the consumption item information sent by the server are received; matching the received face image with a face image in a pre-stored face database; inquiring the sub-account number corresponding to the matched face image; judging whether the balance of the sub account is not less than the consumption amount; if the judgment result is yes, sending a deduction permission instruction to the server, and if the judgment result is not yes, sending a deduction refusing instruction to the server so as to realize supervision of consumption behaviors of the sub-account.
In the above-mentioned electronic device, when the owner corresponding to the sub-account uses the face payment device to pay, the terminal bound to the main account sends a fee deduction request, a face image, a consumption amount and consumption item information from the server, and the terminal judges whether the balance of the corresponding sub-account is sufficient according to the face image, so that a fee deduction permission instruction or a fee deduction refusing instruction is sent to the server; the main advantages are:
1. the sub-account owners can pay through face brushing without holding terminals such as mobile phones, and the mobile phone payment method is suitable for children who are not allowed to carry mobile phones to use;
2. the terminal bound by the main account judges whether to allow deduction or not after matching the face image, so that money loss of a user due to the fact that the server information is sent by an object error can be avoided;
3. the terminal bound by the main account receives the consumption amount and the consumption item information, so that the consumption condition of the sub-account owner can be known in time, and the terminal bound by the main account is suitable for parents;
4. the consumption behavior of each sub-account can be recorded to form a consumption running bill, so that a main account owner can review the consumption history of each sub-account, and the system knowledge of parents on the consumption habit of children is facilitated, and accordingly bad consumption habits of the parents can be found out in time and corrected in time.
In summary, although the present invention has been described with reference to the preferred embodiments, it is not limited thereto, and various modifications and variations can be made by those skilled in the art without departing from the spirit and scope of the present invention.
Claims (7)
1. The change money management method based on face recognition is applied to a terminal bound with a main account, wherein the terminal is a mobile phone, and is characterized by comprising the following steps:
A. receiving a deduction request, a face image, a consumption amount and consumption item information sent by a server;
B. matching the received face image with a face image in a pre-stored face database;
C. inquiring the sub-account number corresponding to the matched face image;
D. judging whether the balance of the sub account is not less than the consumption amount;
E. if the judgment result is yes, sending a deduction permission instruction to the server, and if the judgment result is not yes, sending a deduction refusing instruction to the server;
the deduction request, the face image, the consumption amount and the consumption item information come from face payment equipment and are forwarded by a self-server; the face payment equipment inquires an account number of a corresponding main account after carrying out face image matching once, and the deduction request comprises the account number;
the same main account can be provided with a plurality of sub-accounts, and the pre-stored face database comprises the serial numbers of the sub-accounts and corresponding face images;
all the face images of the sub-accounts are bound with the corresponding main accounts, and when the face payment equipment matches the face images, the matching is successful only by matching with one face image;
in the server, only recording the total balance of the main account;
the step E comprises the following steps: if the judgment result is yes, sending an instruction for allowing deduction to the server, and enabling the server to deduct money from the corresponding main account after receiving the instruction for allowing deduction;
if the judgment result is negative, sending a deduction rejection instruction to the server, so that the server does not execute deduction after receiving the deduction rejection instruction;
and after receiving the balance inquiry request which is sent to the server and forwarded by the server after the face recognition of the sub-account owner in the face payment equipment is carried out by the terminal bound by the main account, sending the balance information corresponding to the sub-account back to the server so as to be forwarded to the face payment equipment by the server.
2. The face recognition-based change management method of claim 1, wherein the consumption item information is a merchant name and/or a commodity name.
3. The face recognition-based change management method according to claim 1, wherein the balance of each sub account is drawn from the balance of the main account according to a preset period and a preset credit.
4. The method for managing change based on face recognition according to claim 1, further comprising the step of, after the step C:
F. the consumption amount and the consumption item information are recorded in a consumption running bill of the corresponding sub account.
5. The utility model provides a change management device based on face identification, is applied to terminal that main account bound, the terminal is the cell-phone, its characterized in that includes:
the receiving module is used for receiving the deduction request, the face image, the consumption amount and the consumption item information sent by the server; the recognition module is used for matching the received face image with the face image in the pre-stored face database; the inquiry module is used for inquiring the sub-account number corresponding to the matched face image;
the judging module is used for judging whether the balance of the sub account is not less than the consumption amount;
the sending module is used for sending an instruction for allowing deduction to the server when the judging result of the judging module is yes, and sending an instruction for refusing deduction to the server when the judging result is no;
the deduction request, the face image, the consumption amount and the consumption item information come from face payment equipment and are forwarded by a self-server; the face payment equipment inquires an account number of a corresponding main account after carrying out face image matching once, and the deduction request comprises the account number;
the same main account can be provided with a plurality of sub-accounts, and the pre-stored face database comprises the serial numbers of the sub-accounts and corresponding face images;
all the face images of the sub-accounts are bound with the corresponding main accounts, and when the face payment equipment matches the face images, the matching is successful only by matching with one face image;
in the server, only recording the total balance of the main account;
the sending module sends an instruction for allowing deduction to the server when the judging result of the judging module is yes, and specifically executes when the instruction for refusing deduction is sent to the server when the judging result is no:
if the judgment result is yes, sending an instruction for allowing deduction to the server, and enabling the server to deduct money from the corresponding main account after receiving the instruction for allowing deduction;
if the judgment result is negative, sending a deduction rejection instruction to the server, so that the server does not execute deduction after receiving the deduction rejection instruction;
and after receiving the balance inquiry request which is sent to the server and forwarded by the server after the face recognition of the sub-account owner in the face payment equipment is carried out by the terminal bound by the main account, sending the balance information corresponding to the sub-account back to the server so as to be forwarded to the face payment equipment by the server.
6. The face recognition-based change management device of claim 5, further comprising:
and the recording module is used for recording the consumption amount and the consumption item information in the consumption running bill of the corresponding sub account.
7. An electronic device comprising a processor and a memory, the memory having stored therein a computer program for executing the method of any of claims 1 to 4 by invoking the computer program stored in the memory.
Priority Applications (1)
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