CN111415150A - Mobile payment method and device based on vehicle-mounted terminal and computer equipment - Google Patents
Mobile payment method and device based on vehicle-mounted terminal and computer equipment Download PDFInfo
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Abstract
The application discloses a mobile payment method, a device, computer equipment and a storage medium based on a vehicle-mounted terminal, wherein the method comprises the following steps: acquiring a payment request sent by a specified mobile terminal; verifying the identity of the appointed mobile terminal according to a preset identity verification method; if the identity authentication is passed, acquiring a designated vehicle-mounted terminal, and acquiring a second positioning position of the designated vehicle-mounted terminal; calculating a real-time distance between the first location position and the second location position; if the real-time distance is smaller than a preset distance threshold, selecting a designated auditing strategy; auditing the payment request according to the appointed auditing strategy, and judging whether the auditing is passed; and if the verification is passed, opening the payment authority of the payment request. Thereby, the construction of a secure payment area is realized, and the speed of payment is improved in the secure payment area.
Description
Technical Field
The present application relates to the field of computers, and in particular, to a mobile payment method and apparatus based on a vehicle-mounted terminal, a computer device, and a storage medium.
Background
Mobile payment is more and more popular, and the life and production activities of people are facilitated. In mobile payment, whether payment is safe or not is the most important thing, so the traditional technology adopts the data in the monitoring payment process and judges whether abnormal payment exists or not on the basis of the data. In the process of controlling the mobile payment and the payment security, a large amount of data is generally required to be checked, for example, checking of payment flow and user information, so that when the number of users is too large and the payment flow is too large, the payment flow is slow in response, and the time consumption of the whole process of a single mobile payment is increased. The conventional techniques cannot meet the demand for quick payment.
Disclosure of Invention
The application mainly aims to provide a mobile payment method, a mobile payment device, a computer device and a storage medium based on a vehicle-mounted terminal, and aims to construct a safe payment area and improve the payment speed in the safe payment area.
In order to achieve the above object, the present application provides a mobile payment method based on a vehicle-mounted terminal, including the following steps:
the method comprises the steps that a payment request sent by a specified mobile terminal is obtained, wherein the payment request is attached with a first picture and a first positioning position of the specified mobile terminal, the specified mobile terminal is set to be in limited range payment, a payment verification condition is triggered only when the limited range payment is within a specified range, and the specified range means that the distance between the specified mobile terminal and a preset vehicle-mounted terminal is smaller than a preset distance threshold value;
according to a preset identity authentication method, the identity of the appointed mobile terminal is authenticated by using the first picture, and whether the identity authentication passes or not is judged;
if the identity authentication is passed, acquiring a designated vehicle-mounted terminal corresponding to the designated mobile terminal according to a preset corresponding relation between the mobile terminal and the vehicle-mounted terminal, and acquiring a second positioning position of the designated vehicle-mounted terminal;
calculating a real-time distance between the first positioning position and the second positioning position, and judging whether the real-time distance is smaller than a preset distance threshold value;
if the real-time distance is smaller than a preset distance threshold, selecting a designated audit strategy from a preset payment audit strategy library, wherein the predicted time consumption of the designated audit strategy is smaller than the predicted time consumption of a default audit strategy;
auditing the payment request according to the appointed auditing strategy, and judging whether the auditing is passed;
and if the verification is passed, opening the payment authority of the payment request.
Further, the step of verifying the identity of the specified mobile terminal by using the first picture according to a preset identity verification method and judging whether the identity verification passes includes:
performing a cropping operation on the first picture to obtain a second picture with a circular hole, wherein the cropping operation refers to cropping a specified circular area in the first picture, and the circle center of the specified circular area coincides with the center of the first picture;
introducing the second picture into a preset virtual three-dimensional space, and penetrating the circular hole by using a virtual cylinder, wherein the surface of the virtual cylinder is smooth, the diameter of the virtual cylinder is equal to that of the circular hole, and the light ray straight line propagation principle is followed in the virtual three-dimensional space, so that the pattern of the second picture is reflected on the surface of the virtual cylinder;
acquiring an image on the virtual cylinder at a specified position, wherein the specified position is outside the virtual cylinder and the second picture, and calculating the image similarity between the image on the virtual cylinder and a preset third picture;
judging whether the image similarity is greater than a preset image similarity threshold value or not;
and if the image similarity is greater than a preset image similarity threshold, judging that the identity verification of the appointed mobile terminal is passed.
Further, the step of calculating the image similarity between the image on the virtual cylinder and a preset third picture includes:
acquiring a first contour line in the image on the virtual cylinder and a second contour line in the third picture according to a preset contour line acquisition method;
generating a first minimum circumscribed rectangle of the first contour line and a second minimum circumscribed rectangle of the second contour line according to a preset minimum circumscribed rectangle generation method;
according to the formula:
Further, after the step of calculating the real-time distance between the first positioning location and the second positioning location and determining whether the real-time distance is smaller than a preset distance threshold, the method includes:
if the real-time distance is not smaller than a preset distance threshold, opening a preset camera on the appointed mobile terminal for image acquisition, and thus obtaining image data;
judging whether a human face image exists in the image data;
if the image data contains a face image, identifying the face image according to a preset face identification method so as to obtain face characteristics;
judging whether the face features are matched with the appointed user of the appointed mobile terminal;
and if the face features are matched with the appointed user of the mobile terminal, deleting the image data and generating a default auditing instruction, wherein the default auditing instruction is used for instructing to audit the payment request by using the default auditing strategy.
Further, the payment request specifies a payment category, and the step of auditing the payment request according to the specified auditing policy and judging whether the auditing is passed includes:
calling appointed user data corresponding to the appointed mobile terminal according to a preset corresponding relation between the mobile terminal and the user data;
inputting the specified user data into a preset behavior prediction model for calculation, so as to obtain a behavior category output by the behavior prediction model;
judging whether the payment category is matched with the behavior category or not according to a preset category matching method;
and if the payment type is matched with the behavior type, judging that the audit is passed.
Further, the step of training the behavior prediction model based on a neural network model, where the step of inputting the specified user data into a preset behavior prediction model for calculation to obtain the behavior category output by the behavior prediction model includes:
the method comprises the steps of obtaining pre-stored sample data, and dividing the sample data into training samples and verification samples, wherein the sample data is composed of pre-collected user data and behavior categories corresponding to the user data;
training a preset neural network model by using the training sample so as to obtain a temporary prediction model;
verifying the temporary prediction model by using the verification sample so as to obtain a verification result, and judging whether the verification result is passed;
and if the verification result is that the verification is passed, marking the temporary prediction model as a behavior prediction model.
Further, the payment request designates a payment receiving terminal, the designated audit policy is a blacklist audit policy, and the steps of auditing the payment request according to the designated audit policy and judging whether the audit is passed include:
judging whether the payment receiving terminal exists in a preset blacklist or not;
if the payment receiving terminal does not exist in a preset blacklist, judging that the audit is passed;
if the verification is passed, after the step of opening the payment authority of the payment request, the method comprises the following steps:
adopting the default auditing strategy to carry out secondary auditing on the payment request, and judging whether the secondary auditing is passed;
and if the secondary audit is not passed, executing a fund freezing instruction, wherein the fund freezing instruction is used for indicating that the appointed fund received by the payment receiving end is frozen, and the appointed fund is the fund corresponding to the payment request.
The application provides a mobile payment device based on vehicle-mounted terminal includes:
the payment request acquisition unit is used for acquiring a payment request sent by a specified mobile terminal, wherein the payment request is attached with a first picture and a first positioning position of the specified mobile terminal, the specified mobile terminal is set to be in limited range payment, the limited range payment refers to triggering a payment verification condition within a specified range, and the specified range refers to that the distance between the specified mobile terminal and a preset vehicle-mounted terminal is smaller than a preset distance threshold;
the identity authentication unit is used for authenticating the identity of the appointed mobile terminal by using the first picture according to a preset identity authentication method and judging whether the identity authentication is passed or not;
the positioning position acquisition unit is used for acquiring a specified vehicle-mounted terminal corresponding to the specified mobile terminal according to the corresponding relation between a preset mobile terminal and the vehicle-mounted terminal and acquiring a second positioning position of the specified vehicle-mounted terminal if the identity authentication is passed;
a distance threshold determination unit, configured to calculate a real-time distance between the first positioning location and the second positioning location, and determine whether the real-time distance is smaller than a preset distance threshold;
a designated audit policy obtaining unit, configured to select a designated audit policy from a preset payment audit policy library if the real-time distance is smaller than a preset distance threshold, where the expected time consumption of the designated audit policy is smaller than the expected time consumption of a default audit policy;
the payment request auditing unit is used for auditing the payment request according to the specified auditing strategy and judging whether the auditing is passed;
and the payment authority opening unit is used for opening the payment authority of the payment request if the verification is passed.
The present application provides a computer device comprising a memory storing a computer program and a processor implementing the steps of any of the above methods when the processor executes the computer program.
The present application provides a computer-readable storage medium having stored thereon a computer program which, when being executed by a processor, carries out the steps of the method of any of the above.
According to the mobile payment method, the mobile payment device, the computer equipment and the storage medium based on the vehicle-mounted terminal, the payment request sent by the appointed mobile terminal is obtained; verifying the identity of the appointed mobile terminal according to a preset identity verification method; if the identity authentication is passed, acquiring a designated vehicle-mounted terminal corresponding to the designated mobile terminal, and acquiring a second positioning position of the designated vehicle-mounted terminal; calculating a real-time distance between the first location position and the second location position; if the real-time distance is smaller than a preset distance threshold, selecting a designated audit strategy from a preset payment audit strategy library, wherein the predicted time consumption of the designated audit strategy is smaller than the predicted time consumption of a default audit strategy; auditing the payment request according to the appointed auditing strategy, and judging whether the auditing is passed; and if the verification is passed, opening the payment authority of the payment request. Thereby, the construction of a secure payment area is realized, and the speed of payment is improved in the secure payment area.
Drawings
Fig. 1 is a schematic flowchart of a mobile payment method based on a vehicle-mounted terminal according to an embodiment of the present application;
FIG. 2 is a block diagram schematically illustrating a structure of a mobile payment device based on a vehicle-mounted terminal according to an embodiment of the present application;
fig. 3 is a block diagram illustrating a structure of a computer device according to an embodiment of the present application.
The implementation, functional features and advantages of the objectives of the present application will be further explained with reference to the accompanying drawings.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.
Referring to fig. 1, an embodiment of the present application provides a mobile payment method based on a vehicle-mounted terminal, including the following steps:
s1, obtaining a payment request sent by a designated mobile terminal, wherein the payment request is accompanied by a first picture and a first positioning position of the designated mobile terminal, the designated mobile terminal is set to be in limited range payment, the limited range payment means that a payment auditing condition is triggered within a designated range, and the designated range means that the distance between the designated mobile terminal and a preset vehicle-mounted terminal is smaller than a preset distance threshold;
s2, according to a preset identity authentication method, the identity of the appointed mobile terminal is authenticated by the first picture, and whether identity authentication is passed or not is judged;
s3, if the identity authentication is passed, acquiring a designated vehicle-mounted terminal corresponding to the designated mobile terminal according to the corresponding relation between the preset mobile terminal and the vehicle-mounted terminal, and acquiring a second positioning position of the designated vehicle-mounted terminal;
s4, calculating a real-time distance between the first positioning position and the second positioning position, and judging whether the real-time distance is smaller than a preset distance threshold value;
s5, if the real-time distance is smaller than a preset distance threshold, selecting a designated audit strategy from a preset payment audit strategy library, wherein the predicted time consumption of the designated audit strategy is smaller than the predicted time consumption of a default audit strategy;
s6, auditing the payment request according to the appointed auditing strategy, and judging whether the auditing is passed;
and S7, if the verification is passed, opening the payment authority of the payment request.
According to the mobile payment method based on the vehicle-mounted terminal, the distance between the mobile terminal and the vehicle-mounted terminal is used as a selection basis of the auditing strategy, and when the distance is short (namely the real-time distance is smaller than a preset distance threshold), the auditing strategy which is more time-saving is used, so that the mobile payment speed is improved. The principles of the present application are presented herein: due to the popularization of private cars and the popularization of vehicle-mounted terminals, and the fact that car owners are not too far away from the cars when mobile payment is carried out in a plurality of scenes (for example, driving to go to a pedestrian street for shopping, the corresponding preset distance can be 2-5 kilometers), the mobile payment method can be widely applied. When the potential safety hazard of payment occurs, for example, a payment account is stolen or a mobile terminal is stolen, the mobile terminal performing abnormal payment is far away from the vehicle-mounted terminal (the reason is that if the payment account is stolen, a lawbreaker logs in the terminal of the payment account, the terminal is generally far away from the vehicle-mounted terminal, and if the mobile terminal is stolen by a thief, the thief can quickly leave the site, so that the terminal is far away from the vehicle-mounted terminal), so that the mobile payment is refused.
As described in step S1, a payment request sent by a specific mobile terminal is obtained, where the payment request is accompanied by a first picture and a first location position of the specific mobile terminal, and the specific mobile terminal is set to limit range payment, where the limit range payment refers to triggering a payment auditing condition only within a specified range, and a distance between the specific mobile terminal and a preset vehicle-mounted terminal is less than a preset distance threshold. The specified mobile terminal is set to limit range payment, so that a correlation system is formed between the specified mobile terminal and the vehicle-mounted terminal, and a safe payment range taking the vehicle-mounted terminal as a center is formed, so that no obstacle is caused to payment, and the payment safety can be effectively improved.
As described in step S2, according to a preset authentication method, the first picture is used to authenticate the identity of the specified mobile terminal, and whether the authentication is passed is determined. Wherein the first picture is used as the basis for identity authentication. The preset authentication method may be any feasible method, for example, the first picture is also prestored at the execution main body end of the present application, so that the authentication can be performed by comparing the two pictures. Further, according to a preset identity authentication method, the first picture is used for authenticating the identity of the specified mobile terminal, and whether the identity authentication is passed or not is judged, for example: performing a cropping operation on the first picture to obtain a second picture with a circular hole, wherein the cropping operation refers to cropping a specified circular area in the first picture, and the circle center of the specified circular area coincides with the center of the first picture; introducing the second picture into a preset virtual three-dimensional space, and penetrating the circular hole by using a virtual cylinder, wherein the surface of the virtual cylinder is smooth, the diameter of the virtual cylinder is equal to that of the circular hole, and the light ray straight line propagation principle is followed in the virtual three-dimensional space, so that the pattern of the second picture is reflected on the surface of the virtual cylinder; acquiring an image on the virtual cylinder at a specified position, wherein the specified position is outside the virtual cylinder and the second picture, and calculating the image similarity between the image on the virtual cylinder and a preset third picture; judging whether the image similarity is greater than a preset image similarity threshold value or not; and if the image similarity is greater than a preset image similarity threshold, judging that the identity verification of the appointed mobile terminal is passed. Thereby improving the security of the identity authentication.
As described in the step S3, if the identity authentication is passed, the designated vehicle-mounted terminal corresponding to the designated mobile terminal is obtained according to the preset corresponding relationship between the mobile terminal and the vehicle-mounted terminal, and the second positioning position of the designated vehicle-mounted terminal is obtained. The second positioning location is obtained, for example, by sending a location obtaining request to the designated vehicle-mounted terminal, and the designated vehicle-mounted terminal obtains the second positioning location according to GPS positioning and the like, and sends the second positioning location to the execution main body end of the application.
As described in step S4, the real-time distance between the first positioning location and the second positioning location is calculated, and it is determined whether the real-time distance is smaller than a preset distance threshold. The real-time distance between the first positioning position and the second positioning position can be calculated in any feasible manner, for example, when the positioning position adopts a longitude and latitude positioning method, the real-time distance can be acquired by adopting a longitude and latitude distance calculation formula. Wherein the distance threshold can be set to any feasible value, such as 1-10 km, 2-5 km, and so on.
As described in step S5, if the real-time distance is smaller than the preset distance threshold, a specified audit policy is selected from a preset payment audit policy library, where the expected time consumption of the specified audit policy is smaller than the expected time consumption of the default audit policy. If the real-time distance is smaller than the preset distance threshold, the payment request is sent out in a safe area, and therefore an auditing strategy with lower safety and higher speed can be adopted. The default auditing strategy is long in time consumption, but high in safety, for example, information and fund exchange data of a user can be comprehensively audited, and a manual auditing link can be introduced to improve safety. However, the auditing speed of the default auditing strategy cannot meet the requirement, so that the specified auditing strategy is selected from a preset payment auditing strategy library, wherein the predicted time consumption of the specified auditing strategy is less than that of the default auditing strategy, the payment speed is accelerated, and the payment speed is improved.
As described in step S6, the payment request is audited according to the specified audit policy, and whether the audit is passed is determined. The appointed auditing strategy can be that only fund transaction data in a preset time is audited, and further, the appointed auditing strategy can be a null auditing strategy (that is, a conclusion that the auditing is passed is directly given), so that the payment speed is improved to the maximum extent.
As described in step S7, if the verification is passed, the payment authority of the payment request is opened. The appointed auditing strategy is used for ensuring the minimum safety auditing, if the auditing of the appointed auditing strategy is passed, the potential safety hazard of the payment request can be ignored, and the payment authority should be given.
In one embodiment, the step S2 of verifying the identity of the specified mobile terminal by using the first picture according to a preset identity verification method, and determining whether the identity verification passes includes:
s201, performing a cropping operation on the first picture to obtain a second picture with a circular hole, wherein the cropping operation refers to cropping a specified circular area in the first picture, and the center of the specified circular area coincides with the center of the first picture;
s202, introducing the second picture into a preset virtual three-dimensional space, and penetrating the circular hole by using a virtual cylinder, wherein the surface of the virtual cylinder is smooth, the diameter of the virtual cylinder is equal to that of the circular hole, and the pattern of the second picture is reflected on the surface of the virtual cylinder by following the principle of linear propagation of light rays in the virtual three-dimensional space;
s203, collecting an image on the virtual cylinder at a designated position, wherein the designated position is outside the virtual cylinder and the second picture, and calculating the image similarity between the image on the virtual cylinder and a preset third picture;
s204, judging whether the image similarity is greater than a preset image similarity threshold value;
s205, if the image similarity is larger than a preset image similarity threshold, judging that the identity verification of the appointed mobile terminal is passed.
As described above, the identity of the specified mobile terminal is verified by using the first picture, and whether the identity verification is passed or not is judged. The virtual three-dimensional space conforming to the ray linear propagation principle can be constructed by any method, such as a 3D modeling tool, and is not described herein again. Due to the straight line of light propagation in the virtual three-dimensional space, the pattern of the second picture will be reflected on the surface of the virtual cylinder, and the image on the virtual cylinder is captured at different positions, and a different image will be obtained (i.e. the reflection result of the pattern at different positions on the second picture). Therefore, unless a lawbreaker obtains the first picture, the position of the circular area, and the generation method of the designated position at the same time, the identity can not be forged, and therefore the security of the application is improved. The process of acquiring the third picture is the same as the process of the first picture, so that the third picture can be ensured to be competent for a task of serving as a picture comparison basis. Accordingly, an image on the virtual cylinder is acquired at a specified position, wherein the specified position is outside the virtual cylinder and the second picture, and the image similarity between the image on the virtual cylinder and a preset third picture is calculated; and if the image similarity is greater than a preset image similarity threshold, judging that the identity verification of the appointed mobile terminal is passed. Furthermore, even if the third picture prestored in the execution main body end is leaked, the security of the identity authentication cannot be affected (because the first picture cannot be pushed back, the third picture sent by the terminal is not considered), so that only the first picture needs to be protected by the user, the way of information leakage is reduced, and the security is improved.
In one embodiment, the step S203 of calculating the image similarity between the image on the virtual cylinder and a preset third picture includes:
s2031, according to a preset contour line obtaining method, obtaining a first contour line in an image on the virtual cylinder and a second contour line in the third picture;
s2032, generating a first minimum circumscribed rectangle of the first contour line and a second minimum circumscribed rectangle of the second contour line according to a preset minimum circumscribed rectangle generation method;
s2033, according to the formula:
As described above, it is achieved that the image similarity of the image on the virtual cylinder and the preset third picture is calculated. The image on the virtual cylinder is mapped to a three-dimensional virtual cylinder from a two-dimensional first picture, the image on the virtual cylinder is collected at a specified position, and a two-dimensional image is finally obtained, so that the first picture sent by the specified mobile terminal is forged, and the difference between the forged picture and the correct picture is highlighted. The contour line obtaining method may be any feasible method, such as recognizing a graphic contour in a picture, obtaining a boundary line between different contours, and marking the boundary line as a contour line. According to the method, a first contour line in an image on the virtual cylinder and a second contour line in the third image are obtained according to a preset contour line obtaining method; generating a first minimum circumscribed rectangle of the first contour line and a second minimum circumscribed rectangle of the second contour line according to a preset minimum circumscribed rectangle generation method; according to the formula:
In one embodiment, after the step S4 of calculating the real-time distance between the first positioning location and the second positioning location, and determining whether the real-time distance is smaller than a preset distance threshold, the method includes:
s41, if the real-time distance is not smaller than a preset distance threshold, opening a preset camera on the appointed mobile terminal for image acquisition, and accordingly obtaining image data;
s42, judging whether a face image exists in the image data;
s43, if a face image exists in the image data, identifying the face image according to a preset face identification method so as to obtain face features;
s44, judging whether the face features are matched with the appointed user of the appointed mobile terminal;
and S45, if the face features are matched with the appointed user of the appointed mobile terminal, deleting the image data and generating a default auditing instruction, wherein the default auditing instruction is used for instructing to audit the payment request by using the default auditing strategy.
As described above, generation of a default audit instruction for indicating that the payment request is to be audited using the default audit policy is implemented. If the real-time distance is not smaller than the preset distance threshold, the abnormal payment phenomenon is possibly generated. The method and the device for checking abnormal payment use view through the camera are used for checking whether abnormal payment is available or not. Specifically, a preset camera on the appointed mobile terminal is opened for image acquisition, so that image data are obtained; if the image data contains a face image, identifying the face image according to a preset face identification method so as to obtain face characteristics; judging whether the face features are matched with the appointed user of the appointed mobile terminal; and if the face features are matched with the appointed user of the mobile terminal, deleting the image data and generating a default auditing instruction, wherein the default auditing instruction is used for instructing to audit the payment request by using the default auditing strategy. If the image data contains the face, the face recognition confirms that the image data is an appointed user, and although the mobile terminal is not in the safe payment range, the user is the terminal user, and the payment request should not be rejected. However, since the mobile terminal is not within the secure payment range, there is a potential safety hazard, and the payment request is audited by using the default auditing policy. To improve payment security. If the human face features are matched with the appointed user of the appointed mobile terminal, deleting the image data, and saving storage space; and if the human face features are not matched with the appointed user of the appointed mobile terminal, the image data is likely to acquire clues of lawbreakers and can be used for follow-up purposes such as stealing and crime determination.
In one embodiment, the step S6 of the payment request specifying a payment category, and the auditing the payment request according to the specified auditing policy, and determining whether the auditing is passed includes:
s601, calling appointed user data corresponding to an appointed mobile terminal according to a preset corresponding relation between the mobile terminal and the user data;
s602, inputting the specified user data into a preset behavior prediction model for calculation, so as to obtain a behavior category output by the behavior prediction model;
s603, judging whether the payment type is matched with the behavior type according to a preset type matching method;
s604, if the payment type is matched with the behavior type, judging that the audit is passed.
As described above, the payment request is audited according to the specified audit strategy, and whether the audit is passed or not is judged. The method adopts a behavior prediction model to check the payment request, judges whether the current payment behavior (payment type) of the user is matched with the behavior characteristic (behavior type) of the user, and if not, indicates that the potential safety hazard exists and can reject the payment request; and if the verification result is matched with the verification result, judging that the verification is passed. Wherein the behavior prediction model is trained based on a machine learning model, such as a neural network model. Therefore, the payment request is automatically and quickly audited by utilizing the machine learning model, and the safety and the efficiency are ensured.
In an embodiment, the step S602 of training the behavior prediction model based on a neural network model, and inputting the specified user data into a preset behavior prediction model for calculation to obtain the behavior category output by the behavior prediction model includes:
s6011, obtaining pre-stored sample data, and dividing the sample data into a training sample and a verification sample, wherein the sample data is composed of pre-collected user data and behavior categories corresponding to the user data;
s6012, training a preset neural network model by using the training sample to obtain a temporary prediction model;
s6013, verifying the temporary prediction model by using the verification sample to obtain a verification result, and judging whether the verification result is verified;
s6014, if the verification result is that the verification is passed, marking the temporary prediction model as a behavior prediction model.
As described above, obtaining the behavior prediction model is achieved. Wherein, the neural network model is, for example: VGG-F models, ResNet50 models, Xinstructions models, etc. The behavior prediction model is formed by training sample data based on a neural network model, wherein the sample data is formed by pre-collected user data and behavior categories corresponding to the user data, and therefore the behavior prediction model can be used for predicting the behavior categories of the user. Training a preset neural network model by using the training sample so as to obtain a temporary prediction model; then, verifying by adopting a verification sample with the same composition; if the verification is passed, the temporary prediction model is indicated to be trained completely and can be used for formal behavior type prediction, and therefore the temporary prediction model is marked as a behavior prediction model.
In one embodiment, the step S6, where the payment request specifies a payment receiving end, the specified audit policy is a blacklist audit policy, and the auditing the payment request according to the specified audit policy and determining whether the audit is passed includes:
s611, judging whether the payment receiving end exists in a preset blacklist or not;
s612, if the payment receiving end does not exist in a preset blacklist, judging that the audit is passed;
after the step S7 of opening the payment authority of the payment request if the audit is passed, the method includes:
s71, adopting the default auditing strategy to carry out secondary auditing on the payment request, and judging whether the secondary auditing is passed;
and S72, if the secondary audit is not passed, executing a fund freezing instruction, wherein the fund freezing instruction is used for indicating to freeze the appointed fund received by the payment receiving end, and the appointed fund is the fund corresponding to the payment request.
As described above, the payment request is audited according to the specified audit strategy, and whether the audit is passed or not is judged. According to the method and the device, a blacklist auditing strategy which is short in time consumption is adopted. The blacklist auditing strategy is to judge whether the payment receiving end is abnormal or not (namely to judge whether the payment receiving end exists in a preset blacklist or not); and if the payment receiving end does not exist in a preset blacklist, judging that the audit is passed. Thereby the payment request can be simply and quickly checked. Because the security of the auditing mode is insufficient, the payment request is subjected to secondary auditing by adopting the default auditing strategy as a remedial measure for fund security, and whether the secondary auditing is passed or not is judged; and if the secondary audit is not passed, executing a fund freezing instruction, wherein the fund freezing instruction is used for indicating that the appointed fund received by the payment receiving end is frozen, and the appointed fund refers to a fund mode corresponding to the payment request, so that the loss caused by possible abnormal payment is made up on the premise of meeting the requirement of supporting the quick payment.
According to the mobile payment method based on the vehicle-mounted terminal, a payment request sent by a specified mobile terminal is obtained; verifying the identity of the appointed mobile terminal according to a preset identity verification method; if the identity authentication is passed, acquiring a designated vehicle-mounted terminal corresponding to the designated mobile terminal, and acquiring a second positioning position of the designated vehicle-mounted terminal; calculating a real-time distance between the first location position and the second location position; if the real-time distance is smaller than a preset distance threshold, selecting a designated audit strategy from a preset payment audit strategy library, wherein the predicted time consumption of the designated audit strategy is smaller than the predicted time consumption of a default audit strategy; auditing the payment request according to the appointed auditing strategy, and judging whether the auditing is passed; and if the verification is passed, opening the payment authority of the payment request. Thereby, the construction of a secure payment area is realized, and the speed of payment is improved in the secure payment area.
Referring to fig. 2, an embodiment of the present application provides a mobile payment device based on a vehicle-mounted terminal, including:
a payment request obtaining unit 10, configured to obtain a payment request sent by a specified mobile terminal, where the payment request is accompanied by a first picture and a first positioning position of the specified mobile terminal, and the specified mobile terminal is set to perform limited-range payment, where the limited-range payment refers to triggering a payment auditing condition only within a specified range, and a distance between the specified mobile terminal and a preset vehicle-mounted terminal is smaller than a preset distance threshold;
the identity authentication unit 20 is configured to authenticate the identity of the specified mobile terminal by using the first picture according to a preset identity authentication method, and determine whether the identity authentication passes;
a positioning position obtaining unit 30, configured to obtain, if the identity authentication is passed, a specified vehicle-mounted terminal corresponding to the specified mobile terminal according to a preset correspondence between the mobile terminal and the vehicle-mounted terminal, and obtain a second positioning position of the specified vehicle-mounted terminal;
a distance threshold determination unit 40, configured to calculate a real-time distance between the first positioning location and the second positioning location, and determine whether the real-time distance is smaller than a preset distance threshold;
a designated audit policy obtaining unit 50, configured to select a designated audit policy from a preset payment audit policy library if the real-time distance is smaller than a preset distance threshold, where the expected time consumption of the designated audit policy is smaller than the expected time consumption of a default audit policy;
a payment request auditing unit 60, configured to audit the payment request according to the specified auditing policy, and determine whether the audit is passed;
a payment authority opening unit 70, configured to open the payment authority of the payment request if the audit is passed.
The operations respectively executed by the above units correspond to the steps of the mobile payment method based on the vehicle-mounted terminal in the foregoing embodiment one by one, and are not described herein again.
In one embodiment, the identity verification unit 20 includes:
a cropping operation subunit, configured to perform a cropping operation on the first picture to obtain a second picture with a circular hole, where the cropping operation refers to cropping a specified circular area in the first picture, and a center of the specified circular area coincides with a center of the first picture;
a second picture introducing subunit, configured to introduce the second picture into a preset virtual three-dimensional space, and penetrate the circular hole by using a virtual cylinder, where a surface of the virtual cylinder is smooth, a diameter of the virtual cylinder is equal to a diameter of the circular hole, and a light straight propagation principle is followed in the virtual three-dimensional space, so that a pattern of the second picture is reflected on the surface of the virtual cylinder;
the image acquisition subunit is used for acquiring an image on the virtual cylinder at a specified position, wherein the specified position is outside the virtual cylinder and the second picture, and calculating the image similarity between the image on the virtual cylinder and a preset third picture;
a similarity threshold judging subunit, configured to judge whether the image similarity is greater than a preset image similarity threshold;
and the identity authentication passing judgment subunit is used for judging that the identity authentication of the specified mobile terminal passes if the image similarity is greater than a preset image similarity threshold.
The operations respectively executed by the sub-units correspond to the steps of the mobile payment method based on the vehicle-mounted terminal in the foregoing embodiment one by one, and are not described herein again.
In one embodiment, the image acquisition subunit includes:
the contour line acquisition module is used for acquiring a first contour line in the image on the virtual cylinder and a second contour line in the third image according to a preset contour line acquisition method;
the external rectangle generating module is used for generating a first minimum external rectangle of the first contour line and a second minimum external rectangle of the second contour line according to a preset minimum external rectangle generating method;
the image similarity Sim calculating module is used for calculating the image similarity Sim according to a formula:
The operations executed by the modules correspond to the steps of the mobile payment method based on the vehicle-mounted terminal in the foregoing embodiment one by one, and are not described herein again.
In one embodiment, the apparatus comprises:
the image data acquisition unit is used for opening a preset camera on the appointed mobile terminal to acquire an image if the real-time distance is not smaller than a preset distance threshold value, so as to obtain image data;
the human face image judging unit is used for judging whether a human face image exists in the image data;
the face recognition unit is used for recognizing the face image according to a preset face recognition method if the face image exists in the image data so as to obtain face features;
the face feature judging unit is used for judging whether the face features are matched with the appointed user of the appointed mobile terminal;
and the default auditing instruction generating unit is used for deleting the image data and generating a default auditing instruction if the face features are matched with the appointed user of the appointed mobile terminal, wherein the default auditing instruction is used for indicating that the payment request is audited by using the default auditing strategy.
The operations respectively executed by the above units correspond to the steps of the mobile payment method based on the vehicle-mounted terminal in the foregoing embodiment one by one, and are not described herein again.
In one embodiment, the payment request specifies a payment category, and the payment request auditing unit 60 includes:
the designated user data calling subunit is used for calling the designated user data corresponding to the designated mobile terminal according to the corresponding relation between the preset mobile terminal and the user data;
the behavior category obtaining subunit is configured to input the specified user data into a preset behavior prediction model for calculation, so as to obtain a behavior category output by the behavior prediction model;
the behavior category judgment subunit is used for judging whether the payment category is matched with the behavior category according to a preset category matching method;
and the auditing pass judgment subunit is used for judging that the auditing pass is passed if the payment type is matched with the behavior type.
The operations respectively executed by the sub-units correspond to the steps of the mobile payment method based on the vehicle-mounted terminal in the foregoing embodiment one by one, and are not described herein again.
In one embodiment, the behavior prediction model is trained based on a neural network model, and the apparatus includes:
the system comprises a sample data dividing unit, a verification unit and a data processing unit, wherein the sample data dividing unit is used for acquiring pre-stored sample data and dividing the sample data into a training sample and a verification sample, and the sample data consists of pre-collected user data and behavior categories corresponding to the user data;
the training unit is used for training a preset neural network model by using the training sample so as to obtain a temporary prediction model;
the verification unit is used for verifying the temporary prediction model by using the verification sample so as to obtain a verification result and judging whether the verification result is passed;
and the marking unit is used for marking the temporary prediction model as a behavior prediction model if the verification result is that the verification is passed.
The operations respectively executed by the above units correspond to the steps of the mobile payment method based on the vehicle-mounted terminal in the foregoing embodiment one by one, and are not described herein again.
In one embodiment, the payment request specifies a payment receiving end, the specified audit policy is a blacklist audit policy, and the payment request audit unit 60 includes:
a blacklist judgment subunit, configured to judge whether the payment receiving end exists in a preset blacklist;
the pass judgment subunit is used for judging that the audit is passed if the payment receiving terminal does not exist in a preset blacklist;
the apparatus, comprising:
the secondary auditing unit is used for carrying out secondary auditing on the payment request by adopting the default auditing strategy and judging whether the secondary auditing is passed;
and the freezing unit is used for executing a fund freezing instruction if the secondary audit is not passed, wherein the fund freezing instruction is used for indicating that the appointed fund received by the payment receiving end is frozen, and the appointed fund is the fund corresponding to the payment request.
The operations respectively executed by the units or the sub-units correspond to the steps of the mobile payment method based on the vehicle-mounted terminal in the foregoing embodiment one by one, and are not described herein again.
The mobile payment device based on the vehicle-mounted terminal acquires a payment request sent by a specified mobile terminal; verifying the identity of the appointed mobile terminal according to a preset identity verification method; if the identity authentication is passed, acquiring a designated vehicle-mounted terminal corresponding to the designated mobile terminal, and acquiring a second positioning position of the designated vehicle-mounted terminal; calculating a real-time distance between the first location position and the second location position; if the real-time distance is smaller than a preset distance threshold, selecting a designated audit strategy from a preset payment audit strategy library, wherein the predicted time consumption of the designated audit strategy is smaller than the predicted time consumption of a default audit strategy; auditing the payment request according to the appointed auditing strategy, and judging whether the auditing is passed; and if the verification is passed, opening the payment authority of the payment request. Thereby, the construction of a secure payment area is realized, and the speed of payment is improved in the secure payment area.
Referring to fig. 3, an embodiment of the present invention further provides a computer device, where the computer device may be a server, and an internal structure of the computer device may be as shown in the figure. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the computer designed processor is used to provide computational and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used for storing data used by the mobile payment method based on the vehicle-mounted terminal. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a mobile payment method based on a vehicle-mounted terminal.
The processor executes the mobile payment method based on the vehicle-mounted terminal, wherein the steps of the method are in one-to-one correspondence with the steps of executing the mobile payment method based on the vehicle-mounted terminal of the foregoing embodiment, and are not described herein again.
It will be understood by those skilled in the art that the structures shown in the drawings are only block diagrams of some of the structures associated with the embodiments of the present application and do not constitute a limitation on the computer apparatus to which the embodiments of the present application may be applied.
The computer equipment acquires a payment request sent by a specified mobile terminal; verifying the identity of the appointed mobile terminal according to a preset identity verification method; if the identity authentication is passed, acquiring a designated vehicle-mounted terminal corresponding to the designated mobile terminal, and acquiring a second positioning position of the designated vehicle-mounted terminal; calculating a real-time distance between the first location position and the second location position; if the real-time distance is smaller than a preset distance threshold, selecting a designated audit strategy from a preset payment audit strategy library, wherein the predicted time consumption of the designated audit strategy is smaller than the predicted time consumption of a default audit strategy; auditing the payment request according to the appointed auditing strategy, and judging whether the auditing is passed; and if the verification is passed, opening the payment authority of the payment request. Thereby, the construction of a secure payment area is realized, and the speed of payment is improved in the secure payment area.
An embodiment of the present application further provides a computer-readable storage medium, where a computer program is stored thereon, and when the computer program is executed by a processor, the mobile payment method based on the vehicle-mounted terminal is implemented, where steps included in the method are respectively in one-to-one correspondence with steps of executing the mobile payment method based on the vehicle-mounted terminal according to the foregoing embodiment, and are not described herein again.
The computer-readable storage medium of the application acquires a payment request sent by a specified mobile terminal; verifying the identity of the appointed mobile terminal according to a preset identity verification method; if the identity authentication is passed, acquiring a designated vehicle-mounted terminal corresponding to the designated mobile terminal, and acquiring a second positioning position of the designated vehicle-mounted terminal; calculating a real-time distance between the first location position and the second location position; if the real-time distance is smaller than a preset distance threshold, selecting a designated audit strategy from a preset payment audit strategy library, wherein the predicted time consumption of the designated audit strategy is smaller than the predicted time consumption of a default audit strategy; auditing the payment request according to the appointed auditing strategy, and judging whether the auditing is passed; and if the verification is passed, opening the payment authority of the payment request. Thereby, the construction of a secure payment area is realized, and the speed of payment is improved in the secure payment area.
It will be understood by those of ordinary skill in the art that all or a portion of the processes of the methods of the embodiments described above may be implemented by a computer program that may be stored on a non-volatile computer-readable storage medium, which when executed, may include the processes of the embodiments of the methods described above, wherein any reference to memory, storage, database, or other medium provided herein and used in the embodiments may include non-volatile and/or volatile memory.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, apparatus, article, or method 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, apparatus, article, or method. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, apparatus, article, or method that includes the element.
The above description is only a preferred embodiment of the present application, and not intended to limit the scope of the present application, and all modifications of equivalent structures and equivalent processes, which are made by the contents of the specification and the drawings of the present application, or which are directly or indirectly applied to other related technical fields, are also included in the scope of the present application.
Claims (10)
1. A mobile payment method based on a vehicle-mounted terminal is characterized by comprising the following steps:
the method comprises the steps that a payment request sent by a specified mobile terminal is obtained, wherein the payment request is attached with a first picture and a first positioning position of the specified mobile terminal, the specified mobile terminal is set to be in limited range payment, a payment verification condition is triggered only when the limited range payment is within a specified range, and the specified range means that the distance between the specified mobile terminal and a preset vehicle-mounted terminal is smaller than a preset distance threshold value;
according to a preset identity authentication method, the identity of the appointed mobile terminal is authenticated by using the first picture, and whether the identity authentication passes or not is judged;
if the identity authentication is passed, acquiring a designated vehicle-mounted terminal corresponding to the designated mobile terminal according to a preset corresponding relation between the mobile terminal and the vehicle-mounted terminal, and acquiring a second positioning position of the designated vehicle-mounted terminal;
calculating a real-time distance between the first positioning position and the second positioning position, and judging whether the real-time distance is smaller than a preset distance threshold value;
if the real-time distance is smaller than a preset distance threshold, selecting a designated audit strategy from a preset payment audit strategy library, wherein the predicted time consumption of the designated audit strategy is smaller than the predicted time consumption of a default audit strategy;
auditing the payment request according to the appointed auditing strategy, and judging whether the auditing is passed;
and if the verification is passed, opening the payment authority of the payment request.
2. The mobile payment method based on the vehicle-mounted terminal according to claim 1, wherein the step of verifying the identity of the specified mobile terminal by using the first picture according to a preset identity verification method and judging whether the identity verification passes comprises the steps of:
performing a cropping operation on the first picture to obtain a second picture with a circular hole, wherein the cropping operation refers to cropping a specified circular area in the first picture, and the circle center of the specified circular area coincides with the center of the first picture;
introducing the second picture into a preset virtual three-dimensional space, and penetrating the circular hole by using a virtual cylinder, wherein the surface of the virtual cylinder is smooth, the diameter of the virtual cylinder is equal to that of the circular hole, and the light ray straight line propagation principle is followed in the virtual three-dimensional space, so that the pattern of the second picture is reflected on the surface of the virtual cylinder;
acquiring an image on the virtual cylinder at a specified position, wherein the specified position is outside the virtual cylinder and the second picture, and calculating the image similarity between the image on the virtual cylinder and a preset third picture;
judging whether the image similarity is greater than a preset image similarity threshold value or not;
and if the image similarity is greater than a preset image similarity threshold, judging that the identity verification of the appointed mobile terminal is passed.
3. The mobile payment method based on the vehicle-mounted terminal as claimed in claim 2, wherein the step of calculating the image similarity between the image on the virtual cylinder and a preset third picture comprises:
acquiring a first contour line in the image on the virtual cylinder and a second contour line in the third picture according to a preset contour line acquisition method;
generating a first minimum circumscribed rectangle of the first contour line and a second minimum circumscribed rectangle of the second contour line according to a preset minimum circumscribed rectangle generation method;
according to the formula:
4. The mobile payment method based on the vehicle-mounted terminal according to claim 1, wherein the step of calculating the real-time distance between the first positioning position and the second positioning position and judging whether the real-time distance is smaller than a preset distance threshold value comprises the following steps:
if the real-time distance is not smaller than a preset distance threshold, opening a preset camera on the appointed mobile terminal for image acquisition, and thus obtaining image data;
judging whether a human face image exists in the image data;
if the image data contains a face image, identifying the face image according to a preset face identification method so as to obtain face characteristics;
judging whether the face features are matched with the appointed user of the appointed mobile terminal;
and if the face features are matched with the appointed user of the mobile terminal, deleting the image data and generating a default auditing instruction, wherein the default auditing instruction is used for instructing to audit the payment request by using the default auditing strategy.
5. The mobile payment method based on the vehicle-mounted terminal as claimed in claim 1, wherein the payment request specifies a payment category, and the step of auditing the payment request according to the specified auditing policy and determining whether the auditing is passed includes:
calling appointed user data corresponding to the appointed mobile terminal according to a preset corresponding relation between the mobile terminal and the user data;
inputting the specified user data into a preset behavior prediction model for calculation, so as to obtain a behavior category output by the behavior prediction model;
judging whether the payment category is matched with the behavior category or not according to a preset category matching method;
and if the payment type is matched with the behavior type, judging that the audit is passed.
6. The mobile payment method based on the vehicle-mounted terminal as claimed in claim 5, wherein the behavior prediction model is trained based on a neural network model, and before the step of inputting the specified user data into a preset behavior prediction model for calculation so as to obtain the behavior category output by the behavior prediction model, the method comprises:
the method comprises the steps of obtaining pre-stored sample data, and dividing the sample data into training samples and verification samples, wherein the sample data is composed of pre-collected user data and behavior categories corresponding to the user data;
training a preset neural network model by using the training sample so as to obtain a temporary prediction model;
verifying the temporary prediction model by using the verification sample so as to obtain a verification result, and judging whether the verification result is passed;
and if the verification result is that the verification is passed, marking the temporary prediction model as a behavior prediction model.
7. The mobile payment method based on the vehicle-mounted terminal according to claim 1, wherein the payment request designates a payment receiving end, the designated audit policy is a blacklist audit policy, and the steps of auditing the payment request according to the designated audit policy and determining whether the audit is passed include:
judging whether the payment receiving terminal exists in a preset blacklist or not;
if the payment receiving terminal does not exist in a preset blacklist, judging that the audit is passed;
if the verification is passed, after the step of opening the payment authority of the payment request, the method comprises the following steps:
adopting the default auditing strategy to carry out secondary auditing on the payment request, and judging whether the secondary auditing is passed;
and if the secondary audit is not passed, executing a fund freezing instruction, wherein the fund freezing instruction is used for indicating that the appointed fund received by the payment receiving end is frozen, and the appointed fund is the fund corresponding to the payment request.
8. A mobile payment device based on a vehicle-mounted terminal is characterized by comprising:
the payment request acquisition unit is used for acquiring a payment request sent by a specified mobile terminal, wherein the payment request is attached with a first picture and a first positioning position of the specified mobile terminal, the specified mobile terminal is set to be in limited range payment, the limited range payment refers to triggering a payment verification condition within a specified range, and the specified range refers to that the distance between the specified mobile terminal and a preset vehicle-mounted terminal is smaller than a preset distance threshold;
the identity authentication unit is used for authenticating the identity of the appointed mobile terminal by using the first picture according to a preset identity authentication method and judging whether the identity authentication is passed or not;
the positioning position acquisition unit is used for acquiring a specified vehicle-mounted terminal corresponding to the specified mobile terminal according to the corresponding relation between a preset mobile terminal and the vehicle-mounted terminal and acquiring a second positioning position of the specified vehicle-mounted terminal if the identity authentication is passed;
a distance threshold determination unit, configured to calculate a real-time distance between the first positioning location and the second positioning location, and determine whether the real-time distance is smaller than a preset distance threshold;
a designated audit policy obtaining unit, configured to select a designated audit policy from a preset payment audit policy library if the real-time distance is smaller than a preset distance threshold, where the expected time consumption of the designated audit policy is smaller than the expected time consumption of a default audit policy;
the payment request auditing unit is used for auditing the payment request according to the specified auditing strategy and judging whether the auditing is passed;
and the payment authority opening unit is used for opening the payment authority of the payment request if the verification is passed.
9. A computer device comprising a memory and a processor, the memory storing a computer program, wherein the processor implements the steps of the method of any one of claims 1 to 7 when executing the computer program.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.
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