CN111325556A

CN111325556A - Information processing method, device, equipment and medium

Info

Publication number: CN111325556A
Application number: CN202010100326.7A
Authority: CN
Inventors: 于文海; 郭伟; 祖立军
Original assignee: China Unionpay Co Ltd
Current assignee: China Unionpay Co Ltd
Priority date: 2020-02-18
Filing date: 2020-02-18
Publication date: 2020-06-23
Also published as: TW202133077A; TWI773119B; WO2021164571A1

Abstract

The invention discloses an information processing method, an information processing device, information processing equipment and an information processing medium. The information processing method comprises the following steps: receiving a payment information acquisition request sent by first electronic equipment; the payment information acquisition request comprises a first face acquisition image of a target payee; determining target index information corresponding to the first face acquisition image in response to the payment information acquisition request; generating payment information according to the target account information corresponding to the target index information; and sending the payment information to the first electronic equipment so that the first electronic equipment displays a payment interface corresponding to the payment information. According to the embodiment of the invention, the account security of the payee and the security of the payment transaction can be improved, and the cost of the payment transaction is reduced.

Description

Information processing method, device, equipment and medium

Technical Field

The present invention belongs to the field of information processing technologies, and in particular, to an information processing method, apparatus, device, and medium.

Background

At present, the existing mobile payment methods mainly include: static two-dimensional code scanning payment, dynamic two-dimensional code scanning payment, flash payment, face swiping payment and other payment modes. Although these payment methods can quickly implement payment transaction between the payer and the payee, there are disadvantages as follows:

for the static two-dimensional code scanning payment mode, the static two-dimensional code of the payee is not changed once generated, and the static two-dimensional code always faces other people, so that other people can acquire account information of the payee through the static two-dimensional code, and meanwhile, the static two-dimensional code has the risk of being changed by other people, and the account security of the payee and the security of payment transaction are reduced;

for payment modes such as dynamic two-dimensional code scanning payment, flash payment and face swiping payment, a payee needs to use additional equipment to perform payment transaction, for example, a display device for displaying a dynamic two-dimensional code of the payee, a cash collecting device with a flash payment collecting function or a cash collecting device with a face collecting and life detecting function, which increases the cost of payment transaction.

Disclosure of Invention

Embodiments of the present invention provide an information processing method, apparatus, device, and medium, which can improve the security of an account of a payee and the security of a payment transaction, and reduce the cost of the payment transaction.

In a first aspect, an embodiment of the present invention provides an information processing method, including:

receiving a payment information acquisition request sent by first electronic equipment; the payment information acquisition request comprises a first face acquisition image of a target payee;

determining target index information corresponding to the first face acquisition image in response to the payment information acquisition request;

generating payment information according to the target account information corresponding to the target index information;

and sending the payment information to the first electronic equipment so that the first electronic equipment displays a payment interface corresponding to the payment information.

In a second aspect, an embodiment of the present invention provides an information processing method, including:

receiving a first input of a target application from a user;

in response to the first input, obtaining a first face capture image of the target payee;

sending a payment information acquisition request to an application server corresponding to a target application, so that the application server responds to the payment information acquisition request, determines target index information corresponding to a first face acquisition image, and generates payment information according to target account information corresponding to the target index information; the payment information acquisition request comprises a first face acquisition image;

receiving payment information sent by an application server;

and displaying a payment interface corresponding to the payment information.

In a third aspect, an embodiment of the present invention provides an information processing apparatus, including:

the first request receiving module is used for receiving a payment information acquisition request sent by first electronic equipment; the payment information acquisition request comprises a first face acquisition image of a target payee;

the index information determining module is used for responding to the payment information obtaining request and determining target index information corresponding to the first face collecting image;

the payment information generation module is used for generating payment information according to the target account information corresponding to the target index information;

and the payment information sending module is used for sending the payment information to the first electronic equipment so as to enable the first electronic equipment to display a payment interface corresponding to the payment information.

In a fourth aspect, an embodiment of the present invention provides an information processing apparatus, including:

the first input receiving module is used for receiving a first input of a user to a target application;

a first image acquisition module for acquiring a first face capture image of a target payee in response to a first input;

the first request sending module is used for sending a payment information acquisition request to an application server corresponding to a target application, so that the application server responds to the payment information acquisition request, determines target index information corresponding to a first face acquisition image, and generates payment information according to target account information corresponding to the target index information; the payment information acquisition request comprises a first face acquisition image;

the payment information receiving module is used for receiving payment information sent by the application server;

and the payment interface display module is used for displaying the payment interface corresponding to the payment information.

In a fifth aspect, an embodiment of the present invention provides an information processing apparatus, including: a processor and a memory storing computer program instructions;

the processor, when executing the computer program instructions, implements an information processing method as described in the first aspect or the second aspect.

In a sixth aspect, the present invention provides a computer-readable storage medium, on which computer program instructions are stored, and when executed by a processor, the computer program instructions implement the information processing method according to the first aspect or the second aspect.

The information processing method, the device, the equipment and the medium can utilize the first face acquisition image of the target payee sent by the first electronic equipment to determine the target index information, and generate the payment information according to the target account information corresponding to the target index information, so that the first electronic equipment can acquire the payment information of the target payee and directly display the payment interface corresponding to the payment information. In addition, the payer can directly utilize the first electronic equipment to complete the whole payment transaction, and the payee does not need to use additional equipment, so that the cost of the payment transaction is reduced.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required to be used in the embodiments of the present invention will be briefly described below, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

Fig. 1 is a schematic flow chart of an information processing method according to an embodiment of the present invention;

fig. 2 is a schematic flow chart of an information processing method according to another embodiment of the present invention;

FIG. 3 is a system architecture diagram of an information handling system provided by one embodiment of the present invention;

FIG. 4 is an example of an information processing flow of the information processing system shown in FIG. 3;

FIG. 5 is another example of an information processing flow of the information processing system shown in FIG. 3;

fig. 6 is a schematic structural diagram of an information processing apparatus according to an embodiment of the present invention;

fig. 7 is a schematic structural diagram of an information processing apparatus according to another embodiment of the present invention;

fig. 8 is a schematic diagram of a hardware configuration of an information processing apparatus according to an embodiment of the present invention.

Detailed Description

Features and exemplary embodiments of various aspects of the present invention will be described in detail below, and in order to make objects, technical solutions and advantages of the present invention more apparent, the present invention will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not to be construed as limiting the invention. It will be apparent to one skilled in the art that the present invention may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the present invention by illustrating examples of the present invention.

It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.

At present, the existing mobile payment methods mainly include: static two-dimensional code scanning payment, dynamic two-dimensional code scanning payment, flash payment, face swiping payment and other payment modes.

The static two-dimensional code scanning payment mode is as follows: and the payer scans the static two-dimensional code by using the payment equipment to obtain a payment interface for paying the payee, and completes payment transaction in the payment interface. Because the static two-dimensional code is generated simply and conveniently, the static two-dimensional code scanning payment mode occupies wide market share in the field of mobile payment, particularly in the small and micro market.

The code payment mode is swept to developments two-dimensional code: the payee uses the display device to display the dynamic two-dimensional code, and the payer uses the payment device to scan the dynamic two-dimensional code so as to obtain a payment interface for paying to the payee, and the payment transaction is completed in the payment interface. Because the dynamic two-dimensional code can dynamically transform the coded information of the two-dimensional code, the two-dimensional code information after overtime is automatically invalid, so that the transaction process is safer.

The flash payment mode is as follows: the payee uses the collection device with the flash payment collection function to obtain the account information of the mobile wallet of the payer or the bank card with the flash payment function so as to complete the payment transaction. The payee device may be specifically a device supporting Near Field Communication (NFC) technology, so that the payee and the payer may complete the payment transaction conveniently and quickly.

The face brushing payment mode is as follows: the method comprises the steps that a payee collects a face image of a payer by utilizing a gathering device with a face collecting function, and the gathering device obtains account information of the payer through a face recognition technology so as to complete payment transaction. For payment modes such as dynamic two-dimensional code scanning payment, flash payment and face swiping payment, a payee needs to use additional equipment to perform payment transaction, for example, a display device for displaying a dynamic two-dimensional code of the payee, a cash collecting device with a flash payment collecting function or a cash collecting device with a face collecting function, which increases the cost of payment transaction. In addition, for the face-brushing payment mode, the face image may be acquired under the condition that the payee is not aware of the face image, so that the leakage of account information is caused, and the account security of the payer is reduced.

In order to solve the above problems in the prior art, embodiments of the present invention provide an information processing method, apparatus, device, and medium. First, an information processing method provided in an embodiment of the present invention is described below.

Fig. 1 is a flowchart illustrating an information processing method according to an embodiment of the present invention.

In some embodiments of the present invention, the method shown in fig. 1 may be performed by an application server of a target application, wherein the target application may be an application with a payment transaction function, and the application server may be a high-performance electronic calculator for storing and processing data. As shown in fig. 1, the information processing method may include:

s110, receiving a payment information acquisition request sent by first electronic equipment; the payment information acquisition request comprises a first face acquisition image of a target payee;

s120, responding to the payment information acquisition request, and determining target index information corresponding to the first face acquisition image;

s130, generating payment information according to the target account information corresponding to the target index information;

s140, sending the payment information to the first electronic equipment so that the first electronic equipment displays a payment interface corresponding to the payment information.

In the embodiment of the invention, the target index information can be determined by utilizing the first face acquisition image of the target payee sent by the first electronic device, and the payment information is generated according to the target account information corresponding to the target index information, so that the first electronic device can acquire the payment information of the target payee and directly display the payment interface corresponding to the payment information. In addition, the payer can directly utilize the first electronic equipment to complete the whole payment transaction, and the payee does not need to use additional equipment, so that the cost of the payment transaction is reduced.

In S110 of some embodiments of the present invention, the first electronic device may be a payment device used by the payer, the payment device having the target application installed thereon. The payment device may be a mobile phone, a tablet computer, a smart watch, or the like.

When a payer uses a target application in payment equipment to carry out payment transaction, the payer can be used for collecting a first face collecting image of a target payee, and sending a payment information acquisition request carrying the first face collecting image to an application server. After receiving the payment information acquisition request, the application server may feed back payment information corresponding to the payment information acquisition request to the first electronic device based on the first face captured image.

In some embodiments of the present invention, the specific method of S120 may include:

identifying a target face image matched with the first face acquisition image from a plurality of preset face images;

target index information associated with the target face image is determined.

In the embodiment of the invention, each preset face image is a face image which is uploaded to the application server by the payee and is indirectly associated and stored with the preset account information through the index information when the corresponding payee registers the preset account information.

Specifically, the application server may identify, based on a face recognition technique, a target face image that matches the first face captured image among a plurality of preset face images, and then acquire target index information stored in association with the target face image. Therefore, the target index information corresponding to the first face acquisition image can be accurately acquired based on the face recognition technology, the reliability of the generated payment information is improved, and the safety of payment transaction is improved.

In some embodiments, the target face image may be a face image similar to the first face captured image. At this time, a specific method for identifying a target face image matched with the first face captured image in a plurality of preset face images may include:

determining the face similarity of each preset face image and the first face acquisition image;

and determining a target face image according to the face similarity.

The application server can determine the face similarity of each preset face image and the first face acquisition image based on a face recognition technology. It should be noted that the face recognition technology may be any existing face recognition technology, as long as the face similarity between the preset face image and the first face captured image can be determined, and the method is not limited herein.

In these embodiments, specific methods for determining a target face image according to the similarity of faces will be described separately according to different situations:

first case

In this case, a specific method of determining the target face image according to the similarity of the face may include:

when there is a first face image having the largest similarity, the first face image is set as a target face image.

Specifically, the face similarity between each preset face image and the first face collected image is determined, and after the obtained face similarities are sorted, when the number of the obtained preset face images with the largest face similarity between the preset face images and the first face collected image is one, the preset face images can be represented as the first face images, that is, only the first face image with the largest face similarity exists in the preset face images. At this time, the first face image may be directly taken as the target face image.

In this case, the first face captured image may be a face captured image obtained by image-capturing a face of the target payee or by capturing a face image (e.g., a photograph) of the payee placed in the merchant of the target payee.

Second case

In this case, the payment information acquisition request may further include device location information of the first electronic device.

Further, the specific method for determining the target face image according to the face similarity may include:

under the condition that a plurality of second face images with the largest face similarity exist, acquiring preset position information marked by each second face image;

and taking a second face image with preset position information identical to the equipment position information as a target face image.

Specifically, the face similarity of each preset face image and the first face collected image is determined, and after the obtained face similarities are sequenced, when the number of the obtained preset face images with the largest face similarity of the first face collected image is multiple, the preset face images can be represented as second face images, namely multiple second face images with the largest face similarity exist in the multiple preset face images, and the face similarity of each second face image is the same as that of the first face collected image.

For example, when the same payee may operate a plurality of merchants, and different merchants operated by the payee have independent preset account information, the preset face images associated with the preset account information of each merchant may be the same, and at this time, a plurality of second face images having the greatest similarity to the face of the first face captured image may exist in the plurality of preset face images.

In order to accurately identify the account information that the payer wants to pay in such a situation, when the preset face images are stored, preset position information may be marked for each preset face image, and the marked preset position information may be information that can distinguish different merchants. Specifically, the position accuracy of the preset position information may be determined according to the minimum position difference between different merchants, for example, if the minimum position difference between different merchants is different grade cities, the preset position information may be accurate to grade city information, and for example, if the minimum position difference between different merchants is different streets, the preset position information may be accurate to street information.

Therefore, in this case, the preset position information marked by each second face image and the device position information of the first electronic device can be acquired, and the second face image with the preset position information being the same as the device position information can be used as the target face image.

The device location information of the first electronic device can be acquired by a target application in the first electronic device, and is sent to the application server through a payment information acquisition request.

Therefore, in the embodiment of the invention, when the payee has a plurality of pieces of payment account information, the target account information of the payment transaction which the payer wants to perform can be accurately determined based on the device position information of the first electronic device.

Third case

under the condition that a plurality of third face images with the largest face similarity exist, acquiring preset character information marked by each third face image;

and taking a third face image with preset character information identical to the image character information in the first face acquisition image as a target face image.

Specifically, the face similarity of each preset face image and the first face collected image is determined, and after the obtained face similarities are sequenced, when the number of the obtained preset face images with the largest face similarity of the first face collected image is multiple, the preset face images can be represented as third face images, namely multiple third face images with the largest face similarity exist in the multiple preset face images, and the face similarity of each third face image is the same as that of the first face collected image.

For example, when the same payee may operate a plurality of merchants, and different merchants operated by the payee have independent preset account information, the preset face images associated with the preset account information of each merchant may be the same, and at this time, a plurality of third face images having the greatest similarity to the face of the first face captured image may exist in the plurality of preset face images.

In order to accurately identify the account information that the payer wants to pay in such a situation, when the payee uploads the preset face image associated with each preset account information, the payee may upload the preset text information corresponding to the preset face image at the same time. When the preset face images are stored, the corresponding preset character information can be marked for each preset face image, and the marked preset character information can be information capable of distinguishing different merchants. Specifically, the preset text information may be information such as a number corresponding to each merchant, a merchant name, and the like.

Therefore, in this case, the preset character information marked by each third face image and the image character information in the first face captured image based on the image character recognition technology can be acquired, and the third face image with the preset character information identical to the image character information in the first face captured image can be used as the target face image.

In this case, the first face captured image may be a face captured image obtained by photographing a payee face image (e.g., a photograph) placed in a merchant of the target payee, wherein the face image (e.g., the photograph) has the above-mentioned image text information therein.

Therefore, in the embodiment of the invention, when the payee has a plurality of pieces of receiving account information, the target account information of the payer who wants to perform the payment transaction can be accurately determined based on the image and character information in the first face acquisition image.

In still other embodiments, the payment information acquisition request may further include device location information of the first electronic device.

In these embodiments, optionally, a specific method for determining the similarity between each preset facial image and the first facial captured image may include:

determining a target area to which the device position information belongs;

screening preset face images marked with target areas from a plurality of preset face images;

and determining the face similarity of each screened preset face image and the first face acquisition image.

Specifically, when the preset face images are stored, the geographical area to which the corresponding merchant belongs may be marked for each preset face image, and specifically, the area level of the geographical area may be set as required.

After the application server receives the device position information, the region grade can be determined, the target region to which the device belongs is determined, then, preset face images with the same marked geographic region and the target region are screened from a plurality of preset face images, and further, the face similarity of each screened preset face image and the first face acquisition image is determined.

Therefore, the preset face image can be preliminarily screened based on the target area to which the device position information belongs, the data processing amount for calculating the face similarity is reduced, the determining efficiency of the face similarity is improved, and the time for a payer to wait for obtaining payment information is further reduced.

In still other embodiments, the payment information acquisition request may further include merchant information of the first electronic device, such as merchant name information and the like.

Specifically, the payer may input merchant name information within the payment apparatus before sending the payment information acquisition request using the payment apparatus, so that the payment information acquisition request includes the merchant name information.

screening preset face images marked with merchant name information from a plurality of preset face images;

Specifically, in the case that the merchant is a chain merchant, when the preset face image is stored, the corresponding merchant name information may be marked for each preset face image.

After the application server receives the payment information acquisition request, preset face images marked with merchant name information are screened from the plurality of preset face images, and then the face similarity of each screened preset face image and the first face acquisition image is determined.

Therefore, the preset face image can be preliminarily screened based on the merchant information, the data processing amount for calculating the face similarity is reduced, the determination efficiency of the face similarity is improved, and the time for a payer to wait for obtaining payment information is further reduced.

In still other embodiments, the target facial image may also be the same facial image as the first face capture image. At this time, a specific method for identifying a target face image matched with the first face captured image in a plurality of preset face images may include:

identifying a fourth face image which is the same as the first face collected image in the plurality of preset face images;

and taking the fourth face image as a target face image.

When the same payee may operate a plurality of merchants, and different merchants operated by the payee have independent preset account information, the payee may upload preset face images with large image differences according to different preset account information in order to make the preset face images associated with the preset account information of each merchant different.

In these embodiments, the application server may determine an image similarity of each preset face image with the first face captured image, then determine a preset face image with an image similarity of 100%, that is, the same as the first face captured image, as a fourth face image, and take the fourth face image as the target face image.

In these embodiments, the first face capture image may be a face capture image obtained by taking a payee face image (e.g., a photograph) placed in a merchant of the target payee.

Therefore, in the embodiment of the invention, under the condition that the payee has a plurality of pieces of payment account information, the target account information of the payer who wants to perform payment transaction can be accurately determined based on the image similarity between each preset face image and the first face collected image.

analyzing the first face collected image to obtain first face characteristic data;

searching target face characteristic data matched with the first face characteristic data in a plurality of groups of preset face characteristic data;

target index information associated with the target facial feature data is determined.

In these embodiments, the facial feature data may be coordinate position data of the facial feature points in the normalized image. Further, the preset human face feature data is coordinate position data of the human face feature points in the normalized preset human face image.

Specifically, the first face captured image may be normalized to obtain a normalized first face captured image, and then the coordinate position of each personal face feature point in the normalized first face captured image may be identified to obtain the first face feature data. Then, based on the comparison result between the coordinate position of each face feature point in the first face feature data and the coordinate position of the corresponding face feature point in each preset face feature data, target face feature data with the highest data similarity with the first face feature data is obtained. And finally, acquiring target index information which is stored in association with the target face feature data.

In the embodiment of the present invention, the method for obtaining the preset face feature data is similar to the method for obtaining the first face feature data, and details are not repeated herein.

In some embodiments of the present invention, the specific method of S130 may include:

inquiring target account information corresponding to the target index information in the plurality of preset account information;

and generating payment information according to the target account information.

In these embodiments, the target index information is stored in association with the target account information, so that the target account information stored in association with the target index information may be directly queried in the plurality of preset account information.

The target account information may at least include a collection account number of the target receiver, a user name corresponding to the collection account number, a user address corresponding to the collection account number, a contact information of the target receiver, and the like. The application server may generate payment information based on the information.

It should be noted that the method for generating payment information according to the target account information is an existing method, and is not described herein again.

In particular, the payment information may include any one of the following:

payment skip connection or page call authorization;

payment authorization information.

Payment skip connection or page call authorization for the payment device to call the HTML5(H5) page, the application page in the application, or the control page.

The payment authorization information includes contents such as payment account information and the like, and is used for calling a payment page in the payment application program.

In the embodiment of the invention, the payment information is encrypted and transmitted among various devices so as to improve the transaction security.

In some embodiments of the present invention, before S110, the information processing method may further include:

acquiring a registration request sent by second electronic equipment; the registration request comprises a second face acquisition image of the target payee, payment account information and user information;

performing identity authentication on the user information to obtain an identity authentication result;

under the condition that the identity authentication result is that the identity authentication is passed, taking the second face acquisition image as a target face image, and taking the collection account information as target account information;

generating target index information corresponding to the target face image;

and storing the target face image and the target index information in an associated manner, and storing the target account information and the target index information in an associated manner.

In some embodiments of the invention, the second electronic device may be a payment device for use by the target payment recipient, the payment device having the target application installed thereon. The money receiving device may be a mobile phone, a tablet computer, a personal computer, or the like.

Specifically, if the payee wants to register the preset account information in the application server, a registration request carrying the preset face image of the payee, the preset account information and the user information needs to be sent to the application server through the electronic device, so that the application server completes the registration of the preset account information based on the registration request.

Taking a payee as an example of a target payee, the target payee may send a registration request carrying a second face collected image of the target payee, payee account information and user information to the application server through the second electronic device, the application server may perform identity authentication on the user information to obtain an identity authentication result, and then, in case that the identity authentication result is authenticated, take the second face collected image as a target face image, i.e., a preset face image, and take the payee account information as target account information, i.e., preset user information, to regenerate target index information corresponding to the target face image, and finally, store the target face image in association with the target index information, and store the target account information in association with the target index information.

The specific method for generating the target index information corresponding to the target face image may be as follows:

and taking the identity of the target payee as target index information, or randomly generating a character string as the target index information.

The identification of the target payee may be an identification number or a telephone number of the target payee, and the character string may include numeric characters, english characters, symbolic characters, and the like.

It should be noted that, in the embodiment of the present invention, the method for obtaining the identity authentication result by performing identity authentication on the user information may adopt an existing method, which is not described herein again.

In some embodiments, the application server may be communicatively coupled to an authentication server of an authentication authority.

In these embodiments, optionally, the specific method for performing identity authentication on the user information to obtain the identity authentication result may include:

sending the user information to an identity authentication server so that the identity authentication server performs identity authentication on the user information to obtain an identity authentication result;

and receiving an identity authentication result.

Therefore, the data processing amount of the application server can be reduced by using the identity authentication server of the identity authentication mechanism of the third party, so that the response speed and the data processing speed of the application server are improved.

In some embodiments, the application server may be communicatively coupled to a face recognition server dedicated to face recognition.

In these embodiments, optionally, a specific method for storing the target face image in association with the target index information may include:

and sending the target face image and the target index information to a face recognition server so that the face recognition server stores the target face image and the target index information in an associated manner.

In these embodiments, optionally, a specific method for determining target index information corresponding to the first face capture image may include:

sending a face recognition request to a face recognition server so that the face recognition server recognizes a target face image matched with the first face collected image from a plurality of preset face images in response to the face recognition request, and determining target index information associated with the target face image; the face recognition request comprises a first face acquisition image;

and receiving target index information fed back by the face recognition server.

Therefore, the data processing amount of the application server can be reduced by using the face recognition server, so that the response speed and the data processing speed of the application server are improved, and the storage space of the preset face image can be increased by using the face recognition server.

In some embodiments, a specific method for generating target index information corresponding to a target face image may include:

sending the target face image to a face recognition server so that the face recognition server generates target index information corresponding to the target face image;

and receiving target index information fed back by the face recognition server.

At this time, the specific method for storing the target face image and the target index information in an associated manner may include:

and sending the target face image to a face recognition server so that the face recognition server stores the target face image and the generated target index information in an associated manner.

Therefore, the data processing amount of the application server can be further reduced by utilizing the face recognition server.

It should be noted that the method for determining the target index information corresponding to the first face captured image and the method for generating the target index information corresponding to the target face image by the face recognition server are the same as those of the application server, and are not described herein again.

In some embodiments, the application server may be communicatively coupled with an information generation server dedicated to payment information generation.

In these embodiments, optionally, a specific method for storing the target account information in association with the target index information may include:

and sending the target account information and the target index information to an information generation server so that the information generation server stores the target account information and the target index information in an associated manner.

In these embodiments, optionally, the specific method for generating the payment information according to the target account information corresponding to the target index information may include:

sending an account information acquisition request to an information generation server so that the information generation server can respond to the account information acquisition request, inquire target account information corresponding to target index information in a plurality of pieces of preset account information and generate payment information according to the target account information; the account information acquisition request comprises target index information;

and receiving payment information fed back by the information generation server.

Therefore, the data processing amount of the application server can be reduced by using the information generation server, so that the response speed and the data processing speed of the application server are improved, and the storage space of the preset account information can be increased by using the information generation server.

It should be noted that the method for generating the payment information by the information generation server according to the target account information corresponding to the target index information is the same as that of the application server, and is not described herein again.

Fig. 2 is a flowchart illustrating an information processing method according to another embodiment of the present invention.

In some embodiments of the present invention, the method illustrated in fig. 2 may be performed by the first electronic device installed with the target application as described above. As shown in fig. 2, the information processing method may include:

s210, receiving a first input of a user to a target application;

s220, responding to the first input, and acquiring a first face acquisition image of the target payee;

s230, sending a payment information acquisition request to an application server corresponding to the target application, so that the application server responds to the payment information acquisition request, determines target index information corresponding to the first face acquisition image, and generates payment information according to target account information corresponding to the target index information; the payment information acquisition request comprises a first face acquisition image;

s240, receiving payment information sent by the application server;

and S250, displaying a payment interface corresponding to the payment information.

In the embodiment of the invention, the first electronic device can send the first face acquisition image to the application server, so that the application server determines the target index information corresponding to the first face acquisition image, and generates the payment information according to the target account information corresponding to the target index information, so that the payment interface corresponding to the payment information is directly displayed after the payment information sent by the application server is received. In addition, the payer can directly utilize the first electronic equipment to complete the whole payment transaction, and the payee does not need to use additional equipment, so that the cost of the payment transaction is reduced.

In S210 of some embodiments of the present invention, the first input of the target application by the user may be an input that the user triggers a face payment function in the target application. For example, the first input may be a single click, a double click, or a long press operation by the user on the scan payment functionality control in the target application.

In S220 of some embodiments of the present invention, after the face-scanning payment function is started, the second electronic device may turn on the camera and capture a first person-captured image of the target payee.

The first face capture image may be a face capture image obtained by capturing an image of a face of a target payee or capturing a face image (e.g., a photograph) of a payee placed in a merchant of the target payee.

In the embodiment of the invention, after the payment information acquisition request carrying the first face acquisition image is sent to the application server corresponding to the target application, the payment information corresponding to the payment information acquisition request fed back by the application server can be received, and the payment interface corresponding to the payment information is displayed so as to be used for completing the self-service payment process in the payment interface.

When the payment information is payment skip connection or page call authorization, the displayed payment interface may be an H5 page, an application page in an application program, or a control page. In the case where the payment information is payment authorization information, the displayed payment interface may be a payment page within the payment application.

FIG. 3 is a system architecture diagram of an information handling system provided by one embodiment of the present invention. As shown in fig. 3, the information processing system includes an application server 310 of a target application, an authentication server 320, a face recognition server 330, an information generation server 340, a first electronic device 350, and a second electronic device 360.

The first electronic device 350 and the second electronic device 360 are respectively in communication connection with the application server 310, and the application server 310 is respectively in communication connection with the identity authentication server 320, the face recognition server 330 and the information generation server 340.

The first electronic device 350 has installed thereon a payer version of the target application (e.g., a mobile wallet application). A payee version of the target application (e.g., a cloud flash payment merchant application) is installed on the second electronic device 360. The application server 310 is configured to receive requests sent by the first electronic device 350 and the second electronic device 360, and execute information processing procedures corresponding to different requests. The authentication server 320 is used for authenticating the user information. The face recognition server 330 is configured to determine index information corresponding to the face captured image. The information generating server 340 is configured to generate payment information according to the index information.

Specifically, the payee may initiate a registration request and a logout request to the application server 310 through the cloud flash payment merchant application to register and logout the preset account information on the application server 310. The payer may initiate a payment information acquisition request to the application server 310 through the mobile wallet application and complete the self-service payment.

Alternatively, the information generating server 340 may also be a server of an acquirer.

Fig. 4 shows an example of an information processing flow of the information processing system shown in fig. 3. As shown in fig. 4, the information processing flow includes the following steps:

s401, the payee can trigger a registration function in the cloud flash payment merchant application on the second electronic device;

s402, the second electronic device responds to the triggering of the registration function and collects registration information such as a face collection image, collection account information and user information of a payee;

s403, the second electronic device initiates a registration request to the application server; the registration request comprises a face acquisition image, collection account information and user information;

s404, the application server responds to the registration request and sends user information to the identity authentication server;

s405, the identity authentication server performs identity authentication on the user information to obtain an identity authentication result;

s406, the identity authentication server feeds back an identity authentication result to the application server;

s407, the application server sends the face acquisition image to a face recognition server under the condition that the identity authentication result is confirmed to be passed;

s408, the face recognition server generates index information corresponding to the face acquisition image;

s409, the face recognition server stores the face acquisition image and the generated index information in a correlation manner as a preset face image and preset index information associated with the preset face image;

s410, the face recognition server feeds back the generated index information to the application server;

s411, the application server sends the received index information and the received collection account information to an information generation server;

s412, the information generation server stores the received index information and the received collection account information in a correlation mode as preset index information and preset account information related to the preset index information;

s413, the information generation server feeds back a storage result to the application server;

s414, after receiving the storage result, the application server feeds back a registration success notification to the second electronic device;

and S415, the second electronic device displays a registration success notice to the payee.

Fig. 5 shows another example of the information processing flow of the information processing system shown in fig. 3. As shown in fig. 5, the information processing flow includes the following steps:

s501, a payer can trigger a face-sweeping payment function in a mobile phone wallet application on first electronic equipment;

s502, the first electronic device responds to triggering of a face-sweeping payment function and collects a face collection image of a payee;

s503, the first electronic equipment initiates a payment information acquisition request to the application server; the payment information acquisition request comprises a face acquisition image;

s504, the application server responds to the payment information acquisition request and sends a face acquisition image to the face recognition server;

s505, the face recognition server inquires index information corresponding to the received face acquisition image;

s506, the face recognition server feeds the inquired index information back to the application server;

s507, the application server sends the received index information to the information generation server;

s508, the information generation server inquires the collection account information corresponding to the received index information and generates payment information based on the inquired collection account information;

s509, the information generation server feeds back the generated payment information to the application server;

s510, the application server forwards the payment information to the first electronic equipment;

s511, the first electronic equipment displays a payment interface corresponding to the payment information to the payer;

s512, the payer completes self-service payment in a payment interface of the first electronic device;

and S513, the first electronic device sends a payment completion notification to the application server, so that the application server forwards the payment completion notification to the second electronic device, and the second electronic device displays a money collection result to the money collection party.

In summary, the mobile payment process completed by the information processing method of the embodiment of the invention not only fully uses the characteristics of simplicity and convenience of static two-dimensional code scanning payment mode, but also can be combined with a face payment technology, so that a payee can complete receipt quickly by only swiping face or displaying a picture of the payee without using additional equipment, the payment transaction is faster, and the risk that the static two-dimensional code is dropped and replaced can be avoided by acquiring payment information by using the face recognition technology, the account security of the payee and the security of the payment transaction are improved, living body detection of the face scanning payment mode is not needed, and the cost of the payment transaction is further reduced.

Fig. 6 is a schematic structural diagram of an information processing apparatus according to an embodiment of the present invention.

In some embodiments of the present invention, the apparatus shown in fig. 6 may be disposed in an application server of a target application, wherein the target application may be an application with a payment transaction function, and the application server may be a high-performance electronic calculator for storing and processing data. As shown in fig. 6, the information processing apparatus may include:

a first request receiving module 610, configured to receive a payment information obtaining request sent by a first electronic device; the payment information acquisition request comprises a first face acquisition image of a target payee;

an index information determining module 620, configured to determine, in response to the payment information obtaining request, target index information corresponding to the first face captured image;

the payment information generating module 630 is configured to generate payment information according to the target account information corresponding to the target index information;

the payment information sending module 640 is configured to send the payment information to the first electronic device, so that the first electronic device displays a payment interface corresponding to the payment information.

In the embodiment of the invention, the information processing device can determine the target index information by utilizing the first face acquisition image of the target payee sent by the first electronic device, and generate the payment information according to the target account information corresponding to the target index information, so that the first electronic device can acquire the payment information of the target payee and directly display the payment interface corresponding to the payment information. In addition, the payer can directly utilize the first electronic equipment to complete the whole payment transaction, and the payee does not need to use additional equipment, so that the cost of the payment transaction is reduced.

In some embodiments of the present invention, the index information determining module 620 may be specifically configured to:

target index information associated with the target face image is determined.

In some embodiments of the present invention, the index information determining module 620 may be further configured to:

and determining a target face image according to the face similarity.

In some embodiments, the payment information acquisition request may further include device location information of the first electronic device. Further, the index information determining module 620 may be further configured to:

determining a target area to which the device position information belongs;

In other embodiments, the index information determining module 620 may be further configured to:

In still other embodiments, the payment information acquisition request may further include device location information of the first electronic device. Further, the index information determining module 620 may be further configured to:

In still other embodiments, the index information determination module 620 may be further configured to:

In other embodiments of the present invention, the index information determining module 620 may further be configured to:

and taking the fourth face image as a target face image.

In some embodiments of the present invention, the payment information generating module 630 may be specifically configured to:

and generating payment information according to the target account information.

In some embodiments of the present invention, the information processing apparatus may further include:

the second request receiving module is used for acquiring a registration request sent by the second electronic equipment before receiving the payment information acquisition request sent by the first electronic equipment; the registration request comprises a second face acquisition image of the target payee, payment account information and user information;

the identity authentication processing module is used for carrying out identity authentication on the user information to obtain an identity authentication result;

the first information processing module is used for taking the second face acquisition image as a target face image and taking the collection account information as target account information under the condition that the identity authentication result is that the identity authentication is passed;

the second information processing module is used for generating target index information corresponding to the target face image;

and the information association storage module is used for associating and storing the target face image and the target index information and associating and storing the target account information and the target index information.

In some embodiments of the present invention, the identity authentication processing module may be specifically configured to:

and receiving an identity authentication result.

In some embodiments of the present invention, the information association storage module may be specifically configured to:

In these embodiments, the index information determining module 620 may be further specifically configured to:

and receiving target index information fed back by the face recognition server.

In other embodiments of the present invention, the information association storage module may further specifically be configured to:

In these embodiments, the payment information generating module 630 may be further specifically configured to:

It should be noted that the information processing apparatus shown in fig. 6 can implement each process and effect implemented by the application server in the method embodiment of fig. 1, and is not described herein again to avoid repetition.

Fig. 7 is a schematic structural diagram of an information processing apparatus according to another embodiment of the present invention.

In some embodiments of the present invention, the apparatus shown in fig. 7 may be disposed in the first electronic device installed with the target application as described above. As shown in fig. 7, the information processing apparatus may include:

a first input receiving module 710, configured to receive a first input of a target application from a user;

a first image capture module 720 for capturing a first face capture image of the target payee in response to the first input;

the first request sending module 730 is configured to send a payment information obtaining request to an application server corresponding to a target application, so that the application server determines target index information corresponding to a first face captured image in response to the payment information obtaining request, and generates payment information according to target account information corresponding to the target index information; the payment information acquisition request comprises a first face acquisition image;

a payment information receiving module 740, configured to receive payment information sent by the application server;

and a payment interface display module 750 configured to display a payment interface corresponding to the payment information.

In the embodiment of the invention, the information processing device can send the first face collected image to the application server so that the application server can determine the target index information corresponding to the first face collected image, and generate the payment information according to the target account information corresponding to the target index information, so that the payment interface corresponding to the payment information is directly displayed after the payment information sent by the application server is received. In addition, the payer can directly utilize the information processing device to complete the whole payment transaction, and the payee does not need to use additional equipment, so that the cost of the payment transaction is reduced.

It should be noted that the information processing apparatus shown in fig. 7 can implement each process and effect implemented by the application server in the method embodiment of fig. 2, and is not described herein again to avoid repetition.

The information processing method and apparatus of the embodiments of the present invention can be implemented by an information processing device. Fig. 8 shows a hardware configuration diagram of an information processing apparatus 800 according to an embodiment of the present invention.

As shown in fig. 8, the information processing apparatus 800 includes an input apparatus 801, an input interface 802, a central processing unit 803, a memory 804, an output interface 805, and an output apparatus 806. The input interface 802, the central processing unit 803, the memory 804, and the output interface 805 are connected to each other via a bus 810, and the input device 801 and the output device 806 are connected to the bus 810 via the input interface 802 and the output interface 805, respectively, and further connected to other components of the information processing apparatus 800.

Specifically, the input device 801 receives input information from the outside, and transmits the input information to the central processor 803 through the input interface 802; the central processor 803 processes input information based on computer-executable instructions stored in the memory 804 to generate output information, temporarily or permanently stores the output information in the memory 804, and then transmits the output information to the output device 806 via the output interface 805; the output device 806 outputs the output information to the outside of the information processing device 800 for use by the user.

That is, the information processing apparatus shown in fig. 8 may also be implemented to include: a memory storing computer-executable instructions; and a processor which, when executing computer-executable instructions, may implement the information processing method and apparatus described in embodiments of the present invention.

An embodiment of the present invention further provides a computer-readable storage medium, where the computer-readable storage medium has computer program instructions stored thereon; the computer program instructions, when executed by a processor, implement the information processing method provided by the embodiments of the present invention.

The functional blocks shown in the above structural block diagrams may be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, it may be, for example, an electronic circuit, an Application Specific Integrated Circuit (ASIC), suitable firmware, plug-in, function card, or the like. When implemented in software, the elements of the invention are the programs or code segments used to perform the required tasks. The program or code segments may be stored in a machine-readable medium or transmitted by a data signal carried in a carrier wave over a transmission medium or a communication link. A "machine-readable medium" may include any medium that can store or transfer information. Examples of a machine-readable medium include electronic circuits, semiconductor memory devices, ROM, flash memory, Erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, Radio Frequency (RF) links, and so forth. The code segments may be downloaded via computer networks such as the internet, intranet, etc.

It should also be noted that the exemplary embodiments mentioned in this patent describe some methods or systems based on a series of steps or devices. However, the present invention is not limited to the order of the above-described steps, that is, the steps may be performed in the order mentioned in the embodiments, may be performed in an order different from the order in the embodiments, or may be performed simultaneously.

As will be apparent to those skilled in the art, for convenience and brevity of description, the specific working processes of the systems, modules and units described above may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again. It should be understood that the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive various equivalent modifications or substitutions within the technical scope of the present invention, and these modifications or substitutions should be covered within the scope of the present invention.

Claims

1. An information processing method comprising:

receiving a payment information acquisition request sent by first electronic equipment; wherein the payment information acquisition request comprises a first face capture image of a target payee;

in response to the payment information acquisition request, determining target index information corresponding to the first face acquisition image;

generating payment information according to target account information corresponding to the target index information;

2. The method of claim 1, wherein the determining target index information corresponding to the first face capture image comprises:

determining the target index information associated with the target face image.

3. The method of claim 2, wherein the identifying, among a plurality of preset face images, a target face image that matches the first face captured image comprises:

and determining the target face image according to the face similarity.

4. The method of claim 3, wherein the payment information acquisition request further includes device location information of the first electronic device, and the determining of the face similarity of each of the preset face images to the first captured face image comprises:

determining a target area to which the device position information belongs;

screening the preset face image marked with the target area from the plurality of preset face images;

5. The method of claim 3, wherein the determining the target face image according to the face similarity comprises:

and in the case that a first face image with the largest face similarity exists, taking the first face image as the target face image.

6. The method of claim 3, wherein the payment information acquisition request further includes device location information of the first electronic device, and the determining the target face image according to the face similarity includes:

and taking a second face image with preset position information identical to the equipment position information as the target face image.

7. The method of claim 3, wherein the determining the target face image according to the face similarity comprises:

and taking a third face image with preset character information identical to the image character information in the first face acquisition image as the target face image.

8. The method of claim 2, wherein the identifying, among a plurality of preset face images, a target face image that matches the first face captured image comprises:

identifying a fourth face image which is the same as the first face acquisition image in the plurality of preset face images;

and taking the fourth face image as the target face image.

9. The method of claim 2, wherein the generating payment information according to the target account information corresponding to the target index information comprises:

inquiring the target account information corresponding to the target index information in a plurality of preset account information;

and generating the payment information according to the target account information.

10. The method of claim 9, wherein before receiving the payment information acquisition request sent by the first electronic device, the method further comprises:

acquiring a registration request sent by second electronic equipment; wherein the registration request comprises a second face captured image of the target payee, collection account information and user information;

under the condition that the identity authentication result is that the identity authentication is passed, taking the second face collected image as the target face image, and taking the collection account information as the target account information;

generating target index information corresponding to the target face image;

11. The method of claim 10, wherein the authenticating the user information to obtain an authentication result comprises:

and receiving the identity authentication result.

12. The method of claim 10, wherein the storing the target face image in association with the target index information comprises:

13. The method of claim 12, wherein the determining target index information corresponding to the first face capture image comprises:

sending a face recognition request to the face recognition server to cause the face recognition server to recognize the target face image matching the first face capture image among a plurality of preset face images in response to the face recognition request and determine the target index information associated with the target face image; wherein the face recognition request comprises the first face capture image;

and receiving the target index information fed back by the face recognition server.

14. The method of claim 10, wherein the storing the target account information in association with the target index information comprises:

and sending the target account information and the target index information to an information generation server so that the information generation server stores the target account information and the target index information in a correlation manner.

15. The method of claim 14, wherein generating payment information according to the target account information corresponding to the target index information comprises:

sending an account information acquisition request to the information generation server, so that the information generation server responds to the account information acquisition request, inquires the target account information corresponding to the target index information from a plurality of preset account information, and generates the payment information according to the target account information; the account information acquisition request comprises the target index information;

and receiving the payment information fed back by the information generation server.

16. An information processing method comprising:

receiving a first input of a target application from a user;

in response to the first input, obtaining a first face capture image of a target payee;

sending a payment information acquisition request to an application server corresponding to the target application, so that the application server responds to the payment information acquisition request, determines target index information corresponding to the first face acquisition image, and generates payment information according to target account information corresponding to the target index information; wherein the payment information acquisition request includes the first face capture image;

receiving the payment information sent by the application server;

and displaying a payment interface corresponding to the payment information.

17. An information processing apparatus comprising:

the first request receiving module is used for receiving a payment information acquisition request sent by first electronic equipment; wherein the payment information acquisition request comprises a first face capture image of a target payee;

the index information determining module is used for responding to the payment information acquisition request and determining target index information corresponding to the first face acquisition image;

18. An information processing apparatus comprising:

a first image acquisition module to acquire a first face capture image of a target payee in response to the first input;

a first request sending module, configured to send a payment information acquisition request to an application server corresponding to the target application, so that the application server determines, in response to the payment information acquisition request, target index information corresponding to the first face captured image, and generates payment information according to target account information corresponding to the target index information; wherein the payment information acquisition request includes the first face capture image;

the payment information receiving module is used for receiving the payment information sent by the application server;

19. An information processing apparatus, wherein the apparatus comprises: a processor and a memory storing computer program instructions;

the processor, when executing the computer program instructions, implements an information processing method as claimed in any one of claims 1-15 or claim 16.

20. A computer-readable storage medium, characterized in that the computer-readable storage medium has stored thereon computer program instructions which, when executed by a processor, implement the information processing method according to any one of claims 1 to 15 or claim 16.