CN111932272A

CN111932272A - Payment method and device based on VR equipment

Info

Publication number: CN111932272A
Application number: CN202010820286.3A
Authority: CN
Inventors: 郭志军; 罗涛; 施佳子
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2020-08-14
Filing date: 2020-08-14
Publication date: 2020-11-13
Anticipated expiration: 2040-08-14
Also published as: CN111932272B

Abstract

The invention provides a payment method and a payment device based on VR equipment, in particular to the technical field of Internet of things, wherein the payment method comprises the following steps: by establishing a communication link between the VR device and the mobile communication device; acquiring target data stored in a cloud end through the mobile device and sending the acquired target data to the VR device so that the VR device can establish a VR shopping scene according to the received target data; verifying the user identity based on the VR device when settlement payment is performed in the VR shopping scene; obtaining, by the VR device, payment account information on the mobile communication device and completing payment on the VR device. The invention can safely and conveniently carry out online payment, can serve consumers in all directions, and can achieve safe and reliable effects of payment verification.

Description

Payment method and device based on VR equipment

Technical Field

The invention relates to the technical field of virtual reality, in particular to the technical field of Internet of things, and particularly relates to a payment method and device based on VR equipment.

Background

With the continuous development of science and technology, mobile payment is increasingly popularized. Mobile payment refers to a payment method for making payment using a mobile device, and a user can pay for each service or physical goods using the mobile device without using cash, a check, or a credit card. The mobile payment effectively combines the internet, the terminal equipment and the financial institution to form a novel payment system.

VR (Virtual Reality) is a technology that provides an immersive sensation in an interactive three-dimensional environment generated on a computer by using a computer graphics system and various Reality and control devices in combination. A virtual three-dimensional stereoscopic spatial experience may be provided for the user. At present, the more common VR equipment is wear-type VR equipment, including integral type VR equipment (self possesses control center) and mobile terminal formula VR equipment (as control center with the help of mobile terminal), the user wears the VR equipment overhead, can experience and watch the movie, play the recreation etc. under the VR environment. Due to the limitation of various conditions such as technology and interactive mode, most of the prior VR devices can only realize the functions of watching movies and playing games, and still cannot meet the requirements of users on other functions, such as a transaction payment function.

Disclosure of Invention

In order to solve the problems in the prior art, the invention provides a payment method and a payment device based on VR equipment, and particularly provides the following technical scheme:

in a first aspect, the present invention provides a payment method based on a VR device, including:

establishing a communication link between the VR device and the mobile communication device;

acquiring target data stored in a cloud end through the mobile device and sending the acquired target data to the VR device so that the VR device can establish a VR shopping scene according to the received target data;

verifying the user identity based on the VR device when settlement payment is performed in the VR shopping scene;

obtaining, by the VR device, payment account information on the mobile communication device and completing payment on the VR device.

Wherein the verifying the user identity based on the VR device comprises:

acquiring iris characteristic data of a user and comparing the iris characteristic data with reserved iris characteristic data to obtain a comparison value;

if the comparison value is greater than or equal to a preset threshold value, the user identity authentication is passed;

and if the comparison value is smaller than a preset threshold value, the user identity authentication is not passed.

The obtaining, by the mobile device, target data stored in a cloud includes:

the mobile device accesses the Cloud VR through the 5G communication network and obtains target data stored in the Cloud VR.

Further, after the establishing the communication link between the VR device and the mobile communication device, the method further includes:

binding and logging in a third party application through the VR device, including:

acquiring a user ID of a third-party application on mobile equipment through the VR equipment;

and sending the user ID and the ID corresponding to the VR equipment to a server of a third party application based on the VR equipment, so that the server stores the user ID and the ID corresponding to the VR equipment in a user information table.

In a second aspect, the present invention provides a VR device based payment apparatus, comprising:

a linking unit for establishing a communication link between the VR device and the mobile communication device;

the acquisition unit is used for acquiring target data stored in a cloud end through the mobile equipment and sending the acquired target data to the VR equipment so that the VR equipment can establish a VR shopping scene according to the received target data;

the verification unit is used for verifying the identity of the user based on the VR equipment when settlement payment is carried out in the VR shopping scene;

and the payment unit is used for acquiring the payment account information on the mobile communication equipment through the VR equipment and completing payment on the VR equipment.

Wherein the authentication unit includes:

the iris characteristic subunit is used for acquiring iris characteristic data of a user and comparing the iris characteristic data with the reserved iris characteristic data to obtain a comparison value;

Wherein the acquisition unit includes:

an obtaining subunit, configured to access the Cloud VR through the 5G communication network and obtain target data stored in the Cloud VR by the mobile device.

Further, the method also comprises the following steps:

the extension unit is used for binding and logging in a third party application through the VR equipment, and comprises:

In a third aspect, the present invention provides an electronic device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the VR device based payment method when executing the program.

In a fourth aspect, the invention provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the VR device based payment method.

According to the technical scheme, the invention provides a payment method and a payment device based on VR equipment, wherein a communication link between the VR equipment and mobile communication equipment is established; acquiring target data stored in a cloud end through the mobile device and sending the acquired target data to the VR device so that the VR device can establish a VR shopping scene according to the received target data; verifying the user identity based on the VR device when settlement payment is performed in the VR shopping scene; through VR equipment acquires payment account information on the mobile communication equipment and accomplish payment on the VR equipment, can carry out online payment safely conveniently, can all-round for consumer's service, the payment verification can reach safe and reliable's effect.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.

Fig. 1 is a first flowchart of a VR device based payment method in an embodiment of the present invention.

Fig. 2 is a second flowchart of a VR device based payment method in an embodiment of the present invention.

Fig. 3 is a schematic structural diagram of a VR device based payment apparatus in an embodiment of the present invention.

Fig. 4 is a schematic structural diagram of an electronic device in an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The invention provides an embodiment of a payment method based on VR equipment, referring to FIG. 1, the payment method based on VR equipment specifically includes the following contents:

s101: establishing a communication link between the VR device and the mobile communication device;

in the actual use process, a user uses mobile terminal equipment to scan the two-dimensional code of the VR equipment and selects whether to bind the current VR equipment or not; and after the binding is selected, the mobile terminal equipment accesses the VR equipment in a wireless communication mode and enters binding information, binding is completed, and a communication link between the VR equipment and the mobile communication equipment is established.

S102: acquiring target data stored in a cloud end through the mobile device and sending the acquired target data to the VR device so that the VR device can establish a VR shopping scene according to the received target data;

in this step, after a communication link between the VR device and the mobile communication device is established, the mobile device obtains target data from the cloud, where the target data is used for the VR device to establish a shopping scene. The mobile communication device loads the target data into the VR device, and the VR device establishes a VR shopping scene in a real-time rendering mode and displays the VR shopping scene into VR glasses. The user can browse VR shopping scenes and display specific commodities on the live-action container.

In this embodiment, the Cloud VR is accessed by the mobile device through the 5G communication network and the target data stored in the Cloud VR is acquired.

It should be noted that the Cloud is Cloud VR. Cloud VR is a technology developed in conjunction with VR for Cloud computing. The Cloud VR introduces the concept of Cloud computing into VR business, and by means of a high-speed stable bearing network, the display and output of the Cloud and the output of sound are transmitted to a VR terminal of a user after being coded and compressed, so that the content of the VR business is clouded and rendered.

It is understood that after the user clicks on the commodity, the specific details of the sample commodity can be viewed 720 degrees. The specific display effect of the VR scene and the commodity is directly related to the number of patches of the VR content, but the traditional bandwidth cannot meet the transmission speed due to too high number of patches, and adverse effects such as delay and dizziness may occur. Therefore, in order to provide more fine and high-quality VR content, a higher transmission speed is required, and a 5G communication mode can be adopted to solve the corresponding problem according to the high-speed characteristic of the 5G communication. In addition, multiple users may log into the same VR scene at the same time. Then, by utilizing the wide connection characteristic of 5G, more users in a certain space range can be allowed to enter the same shopping VR scene and participate in the shopping process; and adding the commodity to the shopping cart and triggering a settlement function by using a VR remote controller, a specific gesture and the like by the user.

S103: verifying the user identity based on the VR device when settlement payment is performed in the VR shopping scene;

in this step, the user identity needs to be verified during payment settlement, and after the identity is confirmed, the bound user ID and the delivery address are back-checked through the current VR Device ID. Displaying the delivery address in front of eyes of the user and providing an address modification function, and if no modification operation is performed for more than 5s, performing non-inductive payment on the corresponding account; if the user modifies the delivery address, the user can select to update or add a list of the common delivery addresses of the user. And after the delivery address is modified, the delivery address information is displayed again, the modification operation is carried out for more than 5s, and the corresponding account is subjected to non-sensitive payment.

In the specific implementation, the iris characteristics are preferentially used for confirming the identity of the current user. Namely, verifying the user identity based on the VR device specifically includes:

acquiring iris characteristic data of a user and comparing the iris characteristic data with reserved iris characteristic data to obtain a comparison value; if the comparison value is greater than or equal to a preset threshold value, the user identity authentication is passed; and if the comparison value is smaller than a preset threshold value, the user identity authentication is not passed.

The payment verification is carried out by collecting the iris characteristics of the user without the limitation of an interactive technology, the realization is simple and convenient, and the payment verification carried out by the scheme provided by the invention can achieve the effects of safety and reliability because the iris information is unique to each user.

S104: obtaining, by the VR device, payment account information on the mobile communication device and completing payment on the VR device.

It should be noted that, in this embodiment, the mobile communication device is a smart phone that adopts 5G communication.

From the above description, the present invention provides a VR device based payment method by establishing a communication link between a VR device and a mobile communication device; acquiring target data stored in a cloud end through the mobile device and sending the acquired target data to the VR device so that the VR device can establish a VR shopping scene according to the received target data; verifying the user identity based on the VR device when settlement payment is performed in the VR shopping scene; through VR equipment acquires payment account information on the mobile communication equipment and accomplish payment on the VR equipment, can carry out online payment safely conveniently, can all-round for consumer's service, the payment verification can reach safe and reliable's effect.

In an embodiment of the present invention, after step S101 in the above embodiment of the payment method based on the VR device, referring to fig. 2, the method further includes:

s105: binding and logging in a third party application through the VR device, including:

a: acquiring a user ID of a third-party application on mobile equipment through the VR equipment;

after the VR equipment is determined to be bound with the mobile equipment, the VR equipment accesses a third-party application on the mobile equipment and jumps to a user identity authentication interface, and a user wears VR glasses to perform identity authentication through iris recognition.

B: and sending the user ID and the ID corresponding to the VR equipment to a server of a third party application based on the VR equipment, so that the server stores the user ID and the ID corresponding to the VR equipment in a user information table.

And encrypting the user ID, the VR Device ID (ID corresponding to the VR Device), the iris characteristic and the distribution address of the third-party application on the mobile Device and then transmitting the encrypted user ID, the VR Device ID, the iris characteristic and the distribution address to a server of the third-party application.

It should be noted that, after data decryption, if no user ID information is detected, the server of the third-party application prompts a new user to register; and after the user confirms that the personal account is registered, the user ID, the VR Device ID, the iris characteristics and the delivery address are decrypted and then stored in a user information table, wherein the VR Device ID is bound with the user ID. Once the user changes the VR equipment to log in, namely the VR Device ID changes during the user identity authentication, the VR Device ID updating confirmation short message is sent to the mobile phone end of the corresponding user. After the user confirms, updating VR Device ID information of the corresponding user in the user information table; and if the user does not deny that the VR Device ID information changes, the information in the user information table is not updated, and the VR binding interface is returned. And in the registration stage, if the user refuses to register, returning to the VR binding interface. If the user ID information is detected, comparing the currently detected iris features with the user registration iris features. And judging and authenticating the login of the corresponding user when the comparison value is greater than a certain threshold value.

A server of the third-party application sends VR identity authentication and login history short messages to the third-party application on the mobile equipment, and prompts a non-user to log in and freezes a VR login account; and when the comparison value is smaller than a certain threshold value, judging that the authentication fails, inquiring the user to detect the iris characteristics of the user again after confirmation, and performing identity authentication again. And after five login failures, sending historical short messages of the continuous failure of VR identity authentication to the mobile app, and prompting non-self login and whether to freeze a VR login account.

From the above description, the payment method based on the VR device provided by the embodiment of the invention can safely and conveniently perform online payment, and is high in verification accuracy and high in speed for a large number of people.

An embodiment of the present invention provides a specific implementation manner of a payment apparatus based on a VR device, which is capable of implementing all contents in the payment method based on the VR device, and referring to fig. 3, the payment apparatus based on the VR device specifically includes the following contents:

a linking unit 10 for establishing a communication link between the VR device and the mobile communication device;

the acquiring unit 20 is configured to acquire, by the mobile device, target data stored in a cloud and send the acquired target data to the VR device, so that the VR device establishes a VR shopping scene according to the received target data;

a verification unit 30, configured to verify a user identity based on the VR device when settlement payment is performed in the VR shopping scenario;

a payment unit 40, configured to obtain payment account information on the mobile communication device through the VR device and complete payment on the VR device.

Wherein the verification unit 30 comprises:

Wherein the obtaining unit 20 includes:

Further, the method also comprises the following steps:

The embodiment of the payment apparatus based on the VR device provided by the present invention may be specifically used to execute the processing flow of the embodiment of the payment method based on the VR device in the above embodiment, and the functions of the processing flow are not described herein again, and refer to the detailed description of the embodiment of the method.

As can be seen from the above description, the VR device based payment apparatus provided in the embodiment of the present invention establishes a communication link between the VR device and the mobile communication device; acquiring target data stored in a cloud end through the mobile device and sending the acquired target data to the VR device so that the VR device can establish a VR shopping scene according to the received target data; verifying the user identity based on the VR device when settlement payment is performed in the VR shopping scene; through VR equipment acquires payment account information on the mobile communication equipment and accomplish payment on the VR equipment, can carry out online payment safely conveniently, can all-round for consumer's service, the payment verification can reach safe and reliable's effect.

The application provides an embodiment of an electronic device for implementing all or part of content in a payment method of a VR device, where the electronic device specifically includes the following content:

a processor (processor), a memory (memory), a communication Interface (Communications Interface), and a bus; the processor, the memory and the communication interface complete mutual communication through the bus; the communication interface is used for realizing information transmission between related devices; the electronic device may be a desktop computer, a tablet computer, a mobile terminal, and the like, but the embodiment is not limited thereto. In this embodiment, the electronic device may be implemented with reference to the embodiment of the payment method for implementing the VR device and the embodiment of the payment apparatus for implementing the VR device in the embodiments, and the contents of the electronic device are incorporated herein, and repeated details are not repeated.

Fig. 4 is a schematic block diagram of a system configuration of an electronic device 9600 according to an embodiment of the present application. As shown in fig. 4, the electronic device 9600 can include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this fig. 4 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.

In an embodiment, the payment functionality of the VR device may be integrated into the central processor 9100. The central processor 9100 may be configured to control as follows:

As can be seen from the above description, embodiments of the present application provide an electronic device by establishing a communication link between a VR device and a mobile communication device; acquiring target data stored in a cloud end through the mobile device and sending the acquired target data to the VR device so that the VR device can establish a VR shopping scene according to the received target data; verifying the user identity based on the VR device when settlement payment is performed in the VR shopping scene; through VR equipment acquires payment account information on the mobile communication equipment and accomplish payment on the VR equipment, can carry out online payment safely conveniently, can all-round for consumer's service, the payment verification can reach safe and reliable's effect.

In another embodiment, the payment apparatus of the VR device may be configured separately from the central processor 9100, for example, the payment apparatus of the VR device may be configured as a chip connected to the central processor 9100, and the payment function of the VR device is realized under the control of the central processor.

As shown in fig. 4, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is noted that the electronic device 9600 also does not necessarily include all of the components shown in fig. 4; further, the electronic device 9600 may further include components not shown in fig. 4, which may be referred to in the art.

As shown in fig. 4, a central processor 9100, sometimes referred to as a controller or operational control, can include a microprocessor or other processor device and/or logic device, which central processor 9100 receives input and controls the operation of the various components of the electronic device 9600.

The memory 9140 can be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 9100 can execute the program stored in the memory 9140 to realize information storage or processing, or the like.

The input unit 9120 provides input to the central processor 9100. The input unit 9120 is, for example, a key or a touch input device. Power supply 9170 is used to provide power to electronic device 9600. The display 9160 is used for displaying display objects such as images and characters. The display may be, for example, an LCD display, but is not limited thereto.

The memory 9140 can be a solid state memory, e.g., Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 9140 could also be some other type of device. Memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application/function storage portion 9142, the application/function storage portion 9142 being used for storing application programs and function programs or for executing a flow of operations of the electronic device 9600 by the central processor 9100.

The memory 9140 can also include a data store 9143, the data store 9143 being used to store data, such as contacts, digital data, pictures, sounds, and/or any other data used by an electronic device. The driver storage portion 9144 of the memory 9140 may include various drivers for the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, contact book applications, etc.).

The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. The communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal.

Based on different communication technologies, a plurality of communication modules 9110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and receive audio input from the microphone 9132, thereby implementing ordinary telecommunications functions. The audio processor 9130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100, thereby enabling recording locally through the microphone 9132 and enabling locally stored sounds to be played through the speaker 9131.

Embodiments of the present invention also provide a computer-readable storage medium capable of implementing all steps in the VR device based payment method in the above embodiments, where the computer-readable storage medium stores thereon a computer program, and the computer program when executed by a processor implements all steps of the VR device based payment method in the above embodiments, for example, the processor implements the following steps when executing the computer program:

As can be seen from the above description, embodiments of the present invention provide a computer-readable storage medium by establishing a communication link between a VR device and a mobile communication device; acquiring target data stored in a cloud end through the mobile device and sending the acquired target data to the VR device so that the VR device can establish a VR shopping scene according to the received target data; verifying the user identity based on the VR device when settlement payment is performed in the VR shopping scene; through VR equipment acquires payment account information on the mobile communication equipment and accomplish payment on the VR equipment, can carry out online payment safely conveniently, can all-round for consumer's service, the payment verification can reach safe and reliable's effect.

Although the present invention provides method steps as described in the examples or flowcharts, more or fewer steps may be included based on routine or non-inventive labor. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When an actual apparatus or client product executes, it may execute sequentially or in parallel (e.g., in the context of parallel processors or multi-threaded processing) according to the embodiments or methods shown in the figures.

As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, apparatus (system) or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment. It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. The present invention is not limited to any single aspect, nor is it limited to any single embodiment, nor is it limited to any combination and/or permutation of these aspects and/or embodiments. Moreover, each aspect and/or embodiment of the present invention may be utilized alone or in combination with one or more other aspects and/or embodiments thereof.

Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.

Claims

1. A payment method based on a VR device, comprising:

2. The VR device based payment method of claim 1, wherein verifying the user identity based on the VR device comprises:

3. The VR device based payment method of claim 1, wherein the obtaining, by the mobile device, cloud stored target data comprises:

4. The VR device based payment method of claim 1, further comprising, after the establishing the communication link between the VR device and the mobile communication device:

5. A VR device based payment apparatus, comprising:

6. The VR device based payment apparatus of claim 5, wherein the verification unit includes:

7. The VR device based payment apparatus of claim 5, wherein the obtaining unit comprises:

8. The VR device based payment apparatus of claim 5, further comprising:

9. An electronic device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the steps of the VR device based payment method of any one of claims 1 to 4 are implemented by the processor when executing the program.

10. A computer readable storage medium having a computer program stored thereon, the computer program, when executed by a processor, implementing the steps of the VR device-based payment method of any of claims 1 to 4.