CN112541767B

CN112541767B - Face brushing payment method and device, face brushing equipment and server

Info

Publication number: CN112541767B
Application number: CN202011436980.1A
Authority: CN
Inventors: 赵鹏飞
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2020-12-07
Filing date: 2020-12-07
Publication date: 2023-10-03
Anticipated expiration: 2040-12-07
Also published as: CN117408700A; CN112541767A

Abstract

The embodiment of the specification provides a face-brushing payment method, a face-brushing device and a server, wherein in the face-brushing payment method, the face-brushing device acquires order information of a user, acquires face images of the user after detecting operation information of the user, and then sends the order information of the user and the face images of the user to the server of an electronic payment platform. The server obtains the user identification of the user according to the facial image of the user, and further, after predicting that the order can be paid successfully according to the account information corresponding to the user identification, the server directly sends a payment result of successful payment of the order to the face brushing equipment. And the face brushing equipment informs the user of the successful payment result of the order payment.

Description

Face brushing payment method and device, face brushing equipment and server

[ field of technology ]

The embodiment of the specification relates to the technical field of Internet, in particular to a face brushing payment method, a face brushing payment device, face brushing equipment and a server.

[ background Art ]

Face-brushing payment is a payment mode based on face recognition, wallet, credit card or mobile phone are not needed for face-brushing payment, and when payment is carried out, a user only needs to face a camera on a point of sale (POS) machine screen, the system can automatically associate face information of the user with a personal account, and the whole transaction process is very convenient.

In the prior art, after a user brushes a face and checks his/her body, the face brushing device initiates payment by using the check information of the user, and then waits for a payment result. Generally, the payment time of face-swipe payment is usually 5-7 seconds or more, and this level of time is difficult to be reduced due to the need to poll the banking system, and the user experience is poor.

Therefore, it is desirable to provide a face payment method to improve the face payment experience of the user.

[ invention ]

The embodiment of the specification provides a face brushing payment method, a face brushing payment device, face brushing equipment and a server, so that when a user uses face brushing payment, time consumption of user perception is reduced, and face brushing payment experience of the user is improved.

In a first aspect, an embodiment of the present disclosure provides a face payment method, including: the face brushing equipment acquires order information of a user, wherein the order information comprises order amount of the user's current order; after the operation information of the user is detected, acquiring a face image of the user; transmitting the order information of the user and the facial image of the user to a server of an electronic payment platform; receiving a successful payment result of the order payment sent by the server; the payment result is that the server obtains a user identification of the user according to the facial image of the user, and predicts that the order can be successfully paid and then sends the order according to account information corresponding to the user identification; and notifying the user of a successful payment result of the order payment.

In the face-brushing payment method, the face-brushing device acquires order information of a user, acquires face images of the user after detecting operation information of the user, and then sends the order information of the user and the face images of the user to a server of an electronic payment platform. The server obtains the user identification of the user according to the facial image of the user, and further, after predicting that the order can be paid successfully according to the account information corresponding to the user identification, the server directly sends a payment result of successful payment of the order to the face brushing equipment. And the face brushing equipment receives a successful payment result of the order payment sent by the server, and then informs the user of the successful payment result of the order payment. From the perspective of user experience, after the user performs face-brushing collection operation, the user only needs to wait for the check result (about 1 second), then the successful payment result can be obtained from the face-brushing equipment, the user does not need to wait for the real payment result after the payment operation is performed, the time consumption of the user in somatosensory is reduced, and the face-brushing payment experience of the user is improved.

In one possible implementation manner, after the sending the order information of the user and the facial image of the user to the server of the electronic payment platform, the method further includes: the face brushing equipment receives a payment certificate of the current order sent by the server, wherein the payment certificate comprises a user identifier of the user; and initiating a payment request corresponding to the current order to the server by using the payment certificate, so that the server executes payment operation on an account corresponding to the user identifier according to the payment request.

In one possible implementation manner, after the sending the order information of the user and the facial image of the user to the server of the electronic payment platform, the method further includes: the face brushing equipment receives a payment certificate of the current order sent by the server, wherein the payment certificate comprises a user identifier of the user; the payment certificate is sent after the server obtains a user identification of the user according to the facial image of the user and predicts that the order cannot be successfully paid according to account information corresponding to the user identification; initiating a payment request corresponding to the current order to the server by using the payment credential; receiving a payment result sent by the server; the payment result is obtained after the server executes payment operation on the account corresponding to the user identifier according to the payment request; and notifying the user of the payment result.

In a second aspect, an embodiment of the present disclosure provides a face payment method, including: the method comprises the steps that a server of an electronic payment platform receives order information and a face image of a user, wherein the order information and the face image are sent by face brushing equipment; wherein, the order information comprises the order amount of the user's current order; acquiring a user identification of the user according to the facial image of the user; predicting the payment result of the current order according to the account information corresponding to the user identifier; and when the predicted result is that the order can be paid successfully, sending a payment result of successful payment of the order to the face brushing equipment, so that the face brushing equipment informs the user of the payment result of successful payment of the order.

In the face-brushing payment method, after receiving order information and face images of a user sent by face-brushing equipment, a server of an electronic payment platform acquires user identification of the user according to the face images of the user, predicts a payment result of the order according to account information corresponding to the user identification, sends a payment result of successful order payment to the face-brushing equipment when the prediction result is that the order can be successfully paid, and then informs the user of the payment result of successful order payment. Therefore, after the face-brushing collection operation is carried out, the user only needs to wait for the check result (about 1 second), then the successful payment result of the payment can be obtained from the face-brushing equipment, the user does not need to wait for the real payment result after the execution of the payment operation, the time consumption of the user in the sense of body is reduced, and the face-brushing payment experience of the user is improved.

In one possible implementation manner, the account information corresponding to the user identifier includes one or a combination of the following: the user can pay the current account by the available payment level, whether credit payment is opened, historical payment capability images, and whether payment channel switching is performed in a preset period before the current moment.

In one possible implementation manner, after the user identifier of the user is obtained according to the facial image of the user, the method further includes: sending a payment credential of the current order to the face brushing equipment, wherein the payment credential comprises a user identifier of the user; receiving a payment request initiated by the face brushing equipment by using the payment credential; and executing payment operation on the account corresponding to the user identifier according to the payment request.

In one possible implementation manner, after the payment operation is performed on the account corresponding to the user identifier according to the payment request, the method further includes: if the payment operation fails to be executed, transferring funds corresponding to the amount of the order from a reserved deduction fund pool to a seller user of the current order; and sending prompt information to the electronic equipment used by the user, wherein the prompt information is used for prompting the user that an order which is not paid successfully exists so as to guide the user to complete payment.

In one possible implementation manner, after predicting the payment result of the current order according to the account information corresponding to the user identifier, the method further includes: when the predicted result is that the order cannot be paid successfully, sending a payment certificate of the order to the face brushing equipment, wherein the payment certificate comprises a user identifier of the user; receiving a payment request which is initiated by the face brushing equipment by using the payment certificate and corresponds to the current order; according to the payment request, executing payment operation on the account corresponding to the user identifier; and sending a payment result corresponding to the payment operation to the face brushing equipment, so that the face brushing equipment informs the user of the payment result.

In a third aspect, embodiments of the present disclosure provide a face-brushing payment device, provided in a face-brushing apparatus, the device including: the acquisition module is used for acquiring order information of a user, wherein the order information comprises the order amount of the user's current order; after the operation information of the user is detected, acquiring a face image of the user; the sending module is used for sending the order information of the user and the facial image of the user to a server of the electronic payment platform; the receiving module is used for receiving a payment result which is sent by the server and is successfully paid for the order; the payment result is that the server obtains a user identification of the user according to the facial image of the user, and predicts that the order can be successfully paid and then sends the order according to account information corresponding to the user identification; and the notification module is used for notifying the user of the successful payment result of the order payment received by the receiving module.

In one possible implementation manner, the apparatus further includes: a payment initiation module; the receiving module is further configured to receive a payment credential of the present order sent by a server after the sending module sends the order information of the user and the facial image of the user to the server of the electronic payment platform, where the payment credential includes a user identifier of the user; the payment initiating module is used for initiating a payment request corresponding to the current order to the server by using the payment certificate received by the receiving module, so that the server executes payment operation on the account corresponding to the user identifier according to the payment request.

In one possible implementation manner, the apparatus further includes: a payment initiation module; the receiving module is further configured to receive a payment credential of the present order sent by a server after the sending module sends the order information of the user and the facial image of the user to the server of the electronic payment platform, where the payment credential includes a user identifier of the user; the payment certificate is sent after the server obtains a user identification of the user according to the facial image of the user and predicts that the order cannot be successfully paid according to account information corresponding to the user identification; the payment initiating module is used for initiating a payment request corresponding to the current order to the server by using the payment certificate received by the receiving module; the receiving module is further used for receiving the payment result sent by the server; the payment result is obtained after the server executes payment operation on the account corresponding to the user identifier according to the payment request; and the notification module is also used for notifying the user of the payment result received by the receiving module.

In a fourth aspect, embodiments of the present disclosure provide a face-brushing payment device, provided in a server of an electronic payment platform, the device including: the receiving module is used for receiving the order information and the face image of the user sent by the face brushing equipment; wherein, the order information comprises the order amount of the user's current order; the acquisition module is used for acquiring the user identification of the user according to the facial image received by the receiving module; the prediction module is used for predicting the payment result of the current order according to the account information corresponding to the user identifier; and the sending module is used for sending a successful payment result of the order to the face brushing equipment when the prediction result of the prediction module is that the order can be successfully paid, so that the face brushing equipment can inform the user of the successful payment result of the order.

In one possible implementation manner, the apparatus further includes: a payment execution module; the sending module is further configured to send a payment credential of the present order to the face brushing device after the obtaining module obtains the user identifier of the user, where the payment credential includes the user identifier of the user; the receiving module is further configured to receive a payment request initiated by the face brushing device using the payment credential; and the payment execution module is used for executing payment operation on the account corresponding to the user identifier according to the payment request received by the receiving module.

In one possible implementation manner, the apparatus further includes: a fund replacement module; the fund deduction module is used for transferring funds corresponding to the order amount to a seller user of the current order from a reserved deduction fund pool if the payment operation fails to be executed after the payment execution module executes the payment operation on the account corresponding to the user identifier; the sending module is further configured to send a prompt message to an electronic device used by the user, where the prompt message is used to prompt the user that an order that is not paid successfully exists, so as to guide the user to complete payment.

In one possible implementation manner, the apparatus further includes: a payment execution module; the sending module is further configured to send a payment credential of the current order to the face brushing device when the prediction result is that the current order cannot be paid successfully after the prediction module predicts the payment result of the current order, where the payment credential includes a user identifier of the user; the receiving module is further configured to receive a payment request initiated by the face brushing device by using the payment credential and corresponding to the current order; the payment execution module is used for executing payment operation on the account corresponding to the user identifier according to the payment request received by the receiving module; the sending module is further configured to send a payment result corresponding to the payment operation to the face brushing device, so that the face brushing device notifies the user of the payment result.

In a fifth aspect, embodiments of the present disclosure provide a face brushing device, including: at least one processor; and at least one memory communicatively coupled to the processor, wherein: the memory stores program instructions executable by the processor, the processor invoking the program instructions capable of performing the method provided in the first aspect.

In a sixth aspect, the present description embodiments provide a non-transitory computer-readable storage medium storing computer instructions that cause the computer to perform the method provided in the first aspect.

In a seventh aspect, embodiments of the present disclosure provide a server, including: at least one processor; and at least one memory communicatively coupled to the processor, wherein: the memory stores program instructions executable by the processor, the processor invoking the program instructions to perform the method provided in the second aspect.

In an eighth aspect, the present description embodiments provide a non-transitory computer-readable storage medium storing computer instructions that cause the computer to perform the method provided in the second aspect.

It should be understood that, the third, fifth and sixth aspects of the embodiments of the present disclosure are consistent with the technical solutions of the first aspect of the embodiments of the present disclosure, and the beneficial effects obtained by each aspect and the corresponding possible implementation manner are similar, and are not repeated herein;

the fourth, seventh and eighth aspects of the embodiments of the present disclosure are consistent with the technical solutions of the second aspect of the embodiments of the present disclosure, and the beneficial effects obtained by each aspect and the corresponding possible implementation manner are similar and are not repeated.

[ description of the drawings ]

In order to more clearly illustrate the technical solutions of the embodiments of the present description, the drawings that are needed in the embodiments will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present description, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

FIG. 1 is a flow chart of face payment provided by the prior art;

FIG. 2 is a flow chart of a face payment method according to one embodiment of the present disclosure;

fig. 3 is a flowchart of a face payment method according to another embodiment of the present disclosure;

FIG. 4 is a flowchart of a face payment method according to yet another embodiment of the present disclosure;

FIG. 5 is a flow chart of a face payment method according to yet another embodiment of the present disclosure;

FIG. 6 is a flowchart of a face payment method according to yet another embodiment of the present disclosure;

FIG. 7 is a flowchart of a face payment method according to yet another embodiment of the present disclosure;

FIG. 8 is a flow chart of a face payment method according to yet another embodiment of the present disclosure;

fig. 9 is a schematic structural diagram of a face-brushing payment device according to an embodiment of the present disclosure;

Fig. 10 is a schematic structural diagram of a face-brushing payment device according to another embodiment of the present disclosure;

fig. 11 is a schematic structural diagram of a face-brushing payment device according to still another embodiment of the present disclosure;

fig. 12 is a schematic structural diagram of a face-brushing payment device according to still another embodiment of the present disclosure;

fig. 13 is a schematic structural diagram of a face brushing device according to an embodiment of the present disclosure;

fig. 14 is a schematic structural diagram of a server according to an embodiment of the present disclosure.

[ detailed description ] of the invention

For a better understanding of the technical solutions of the present specification, embodiments of the present specification are described in detail below with reference to the accompanying drawings.

It should be understood that the described embodiments are only some, but not all, of the embodiments of the present description. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, are intended to be within the scope of the present disclosure.

The terminology used in the embodiments of the description presented herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the description presented herein. As used in this specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.

Fig. 1 is a flowchart of face payment provided in the related art, as shown in fig. 1, in which the face payment generally includes the following procedures: face brushing collection, waiting for a check result, waiting for a payment result and feeding back the payment result.

In the prior art, after a user brushes a face and checks a body, the face brushing equipment initiates payment by using the check body information of the user, and then waits for a payment result all the time. As can be seen from fig. 1, the period of time waiting for the payment result is relatively long, about 3-5 seconds, reducing the user's face-brushing payment experience.

Based on this problem, the embodiment of the present disclosure provides a face-brushing payment method, and fig. 2 is a flowchart of the face-brushing payment method provided in one embodiment of the present disclosure. In the face-brushing payment process, several key links which can be perceived by the user are face-brushing acquisition, waiting for a check result, waiting for a payment result and feeding back the payment result. The three links of face brushing collection, body checking waiting result and payment waiting result form a feeling system of the user on face brushing payment efficiency, so as shown in fig. 2, the face brushing payment method provided by the embodiment of the specification is to serially connect the links, and the parallel of the face brushing checking result link and the body checking result waiting link on the user body feeling is realized by means of data prediction, namely the face brushing checking body is equivalent to the payment ending, so that the time consumption on the user body feeling is reduced.

Fig. 3 is a flowchart of a face-brushing payment method according to another embodiment of the present disclosure, where, as shown in fig. 3, the face-brushing payment method may include:

in step 302, the face brushing device obtains order information of the user, where the order information includes an order amount of the current order of the user.

In a specific implementation, the order information may further include information such as an order number and/or a commodity detail of the current order of the user, and the embodiment does not limit the information included in the order information.

Step 304, after detecting the operation information of the user, acquiring the face image of the user.

Specifically, the operation information of the user may be an operation of the user on a "face payment" icon in the interface displayed by the face brushing device, or may be a voice command of "face payment" input by the user to the face brushing device, and the specific form of the operation information of the user is not limited in this embodiment, so long as the flow of face payment can be triggered.

And step 306, transmitting the order information of the user and the facial image of the user to a server of the electronic payment platform.

Step 308, receiving a payment result of successful payment of the current order sent by the server; the payment result is sent after the server obtains the user identification of the user according to the facial image of the user and predicts that the order can be successfully paid according to the account information corresponding to the user identification.

The user identifier of the user may be information that can identify the user identity, such as a user name, a mobile phone number, or an identity card number, used by the user in the electronic payment platform, and the specific form of the user identifier is not limited in this embodiment.

Step 310, notifying the user of the successful payment result of the current order.

In this embodiment, after receiving order information and a face image sent by a face brushing device, a server identifies the face image, obtains a user identifier of the user according to an identification result of the face image, and then obtains account information corresponding to the user identifier. Then, the server predicts whether the current order can be paid successfully according to the account information corresponding to the user identifier, in short, the server needs to predict whether the account corresponding to the user identifier can pay funds corresponding to the order amount of the current order.

If the server predicts that the order can be paid successfully, the server directly sends a successful payment result of the order to the face brushing equipment, and the face brushing equipment receives the successful payment result of the order sent by the server. And then, the face brushing equipment informs the user of the successful payment result of the order payment. That is, in this embodiment, after the face-brushing collection operation is performed, the user only needs to wait for the check result, and then can obtain the payment result of successful payment from the face-brushing device, so that the user does not need to wait for the real payment result after the execution of the payment operation, thereby reducing the time consumption on the user's body feeling.

In particular, the face brushing device can inform the user of the payment result in advance through interface interaction and/or voice and other modes, so that the user and the merchant are informed of successful payment of the current order.

Fig. 4 is a flowchart of a face payment method according to still another embodiment of the present disclosure, as shown in fig. 4, in the embodiment shown in fig. 3 of the present disclosure, after step 306, the method may further include:

step 402, the face brushing device receives a payment credential of the current order sent by the server, where the payment credential includes a user identifier of the user.

And step 404, using the payment certificate to initiate a payment request corresponding to the current order to the server, so that the server executes a payment operation on an account corresponding to the user identifier according to the payment request.

In this embodiment, after the face brushing device sends the order information of the user and the face image of the user to the server of the electronic payment platform, the server identifies the face image of the user, obtains the user identifier of the user according to the identification result of the face image, and then generates a payment credential of the current order, and sends the payment credential to the face brushing device.

In the case that the server predicts that the order can be successfully paid, the step of sending the payment result of the successful payment of the order to the face brushing device by the server and the step of sending the payment certificate to the face brushing device can be executed in parallel or sequentially, and the execution sequence of the two steps is not limited in this embodiment.

And under the scene that the server predicts that the order can be successfully paid, after the face brushing equipment receives the payment certificate sent by the server, a payment request corresponding to the order is initiated to the server by using the payment certificate, so that the server executes payment operation on the account corresponding to the user identifier according to the payment request. In this scenario, since the server already sends the payment result of successful payment of the current order to the face brushing device, after the server really executes the payment operation on the account corresponding to the user identifier, the server does not need to send the payment result to the face brushing device. The embodiment realizes parallelism of the waiting payment result link and the waiting check result link on the somatosensory of the user, and from the perspective of user experience, the face-brushing check is equivalent to the end of payment, so that the time consumption on the somatosensory of the user is reduced.

Fig. 5 is a flowchart of a face payment method according to still another embodiment of the present disclosure, as shown in fig. 5, in the embodiment shown in fig. 3 of the present disclosure, after step 306, the method may further include:

step 502, a face brushing device receives a payment credential of the present order sent by a server, wherein the payment credential comprises a user identifier of the user; the payment certificate is sent after the server obtains the user identification of the user according to the facial image of the user and predicts that the order cannot be successfully paid according to the account information corresponding to the user identification.

And step 504, initiating a payment request corresponding to the current order to a server by using the payment certificate.

Step 506, receiving a payment result sent by the server; the payment result is obtained after the server executes the payment operation on the account corresponding to the user identifier according to the payment request.

And step 508, notifying the user of the payment result.

In this embodiment, after the face brushing device sends the order information of the user and the face image of the user to the server of the electronic payment platform, if the server predicts that the order cannot be paid successfully, the server does not send a payment result to the face brushing device first, but sends a payment credential of the order to the face brushing device first according to a conventional flow, after the face brushing device receives the payment credential of the order, the face brushing device initiates a payment request corresponding to the order to the server by using the payment credential, and then, the server executes a payment operation on an account corresponding to the user identifier according to the payment request and sends the payment result to the face brushing device. And after receiving the payment result sent by the server, the face brushing equipment informs the user of the payment result.

That is, in the scenario that the server predicts that the order cannot be paid successfully, the face brushing device needs to initiate payment to the server by using the payment credential according to the conventional flow, and then waits for the payment result sent by the server, and further notifies the user of the payment result.

Also, the face brushing device may be implemented by means of interface interaction and/or voice notification when notifying the user of the payment result.

Fig. 6 is a flowchart of a face payment method according to still another embodiment of the present disclosure, as shown in fig. 6, the face payment method may include:

step 602, a server of an electronic payment platform receives order information and a face image of a user sent by face brushing equipment; the order information includes an order amount of the user's current order.

Step 604, obtaining a user identification of the user according to the facial image of the user.

Step 606, predicting the payment result of the current order according to the account information corresponding to the user identifier.

In short, in this step, the server needs to predict whether the account corresponding to the user identifier can pay out funds corresponding to the order amount of the current order.

In this embodiment, the account information corresponding to the user identifier may include one or a combination of the following: the user's current account's available payment level, whether credit payment is opened, historical payment capability images, whether payment channel switching has been performed for a predetermined period of time prior to the current time. The predetermined period may be set by itself according to system performance and/or implementation requirements during implementation, and the length of the predetermined period is not limited in this embodiment, for example, the predetermined period may be 30 days.

That is, after the server obtains the user identifier, the account corresponding to the user identifier may be obtained, and then the server may predict the payment result of the present order in combination with the information of the available payment level (for example, account balance) of the present account, whether credit payment is opened, the historical payment capability image, and/or whether payment channel switching has been performed recently.

And 608, when the predicted result is that the order can be paid successfully, sending a payment result of successful payment of the order to the face brushing equipment, so that the face brushing equipment informs the user of the payment result of successful payment of the order.

Fig. 7 is a flowchart of a face payment method according to still another embodiment of the present disclosure, as shown in fig. 7, in the embodiment of fig. 6 of the present disclosure, after step 604, the method may further include:

step 702, the server sends a payment credential of the current order to the face brushing device, where the payment credential includes a user identifier of the user.

Step 704, a payment request initiated by the face brushing device using the payment credential is received.

Step 706, executing payment operation on the account corresponding to the user identifier according to the payment request.

In this embodiment, after receiving order information and a face image of a user sent by a face brushing device, a server of an electronic payment platform identifies the face image of the user, and obtains a user identifier of the user according to an identification result of the face image. And then, the server generates a payment certificate of the current order and sends the payment certificate to the face brushing equipment.

In the case where the server predicts that the order can be successfully paid, the step of sending the payment result of the successful payment of the order to the face brushing device by the server may be executed in parallel with the step of sending the payment certificate to the face brushing device, or may be executed sequentially, that is, step 608 may be executed in parallel with step 702, or may be executed sequentially, and the execution sequence of these two steps is not limited in this embodiment.

And under the scene that the server predicts that the order can be successfully paid, after the face brushing equipment receives the payment certificate sent by the server, a payment request corresponding to the order is initiated to the server by using the payment certificate, and after the server receives the payment request, the payment operation is executed on the account corresponding to the user identifier according to the payment request. In this scenario, since the server already sends the payment result of successful payment of the current order to the face brushing device, after the server really executes the payment operation on the account corresponding to the user identifier, the server does not need to send the payment result to the face brushing device. The embodiment realizes parallelism of the waiting payment result link and the waiting check result link on the somatosensory of the user, and from the perspective of user experience, the face-brushing check is equivalent to the end of payment, so that the time consumption on the somatosensory of the user is reduced.

Further, after step 706, the method may further include:

if the payment operation fails, the funds corresponding to the amount of the order are transferred to the seller user of the current order from the reserved deduction fund pool.

And step 710, sending prompt information to the electronic equipment used by the user, wherein the prompt information is used for prompting the user that an order which is not paid successfully exists so as to guide the user to complete payment.

That is, in order not to bring the funds loss to the seller user, the proposal reserves a deduction fund pool, if the payment operation is not executed, the server transfers the funds corresponding to the order amount to the seller merchant of the current order from the deduction fund pool. And then, the server sends prompt information to the electronic equipment used by the user to prompt the user to have an order which is not paid successfully, and the user is guided to complete payment afterwards.

The electronic device used by the user may be an intelligent electronic device such as a smart phone, a tablet computer, a smart watch or a vehicle-mounted device, and the specific type of the electronic device used by the user is not limited in this embodiment.

Fig. 8 is a flowchart of a face payment method according to still another embodiment of the present disclosure, as shown in fig. 8, in the embodiment of fig. 6 of the present disclosure, after step 606, the method may further include:

step 802, when the predicted result is that the current order cannot be paid successfully, the server sends a payment credential of the current order to the face brushing device, wherein the payment credential includes a user identifier of the user, so that the face brushing device initiates a payment request corresponding to the current order by using the payment credential.

Step 804, receiving a payment request corresponding to the current order initiated by the face brushing device using the payment credential.

Step 806, executing a payment operation on the account corresponding to the user identifier according to the payment request.

And step 808, sending a payment result corresponding to the payment operation to the face brushing equipment, so that the face brushing equipment informs the user of the payment result.

In this embodiment, if the server predicts that the current order cannot be paid successfully, the server does not send a payment result to the face brushing device first, but sends a payment credential of the current order to the face brushing device according to a conventional flow, after the face brushing device receives the payment credential of the current order, the face brushing device initiates a payment request corresponding to the current order to the server by using the payment credential, and then, the server executes a payment operation on an account corresponding to the user identifier according to the payment request and sends the payment result to the face brushing device. And after receiving the payment result sent by the server, the face brushing equipment informs the user of the payment result.

In the face-brushing payment method provided by the embodiment of the specification, the face-brushing core link is utilized to predict whether the user can pay successfully in the next payment link in advance, so that the user is prompted to pay successfully in advance on the sense of the user, and the time consumption of 5-7 seconds of full-link payment in the conventional method is reduced to 2 seconds. The face brushing payment method can control the resource loss risk, improve the user experience and greatly improve the face brushing payment efficiency.

The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

Fig. 9 is a schematic structural diagram of a face-brushing payment device according to an embodiment of the present disclosure, as shown in fig. 9, the face-brushing payment device may include: an acquisition module 91, a transmission module 92, a reception module 93, and a notification module 94;

An obtaining module 91, configured to obtain order information of a user, where the order information includes an order amount of a current order of the user; after detecting the operation information of the user, acquiring the face image of the user;

a sending module 92, configured to send the order information of the user and the facial image of the user to a server of the electronic payment platform;

a receiving module 93, configured to receive a payment result sent by the server and for which the payment of the current order is successful; the payment result is that the server obtains the user identification of the user according to the facial image of the user, and predicts that the order can be successfully paid and then sends the order according to the account information corresponding to the user identification;

and the notification module 94 is configured to notify the user of the payment result that the order payment is successful and received by the receiving module 93.

The face payment device provided in the embodiment shown in fig. 9 may be disposed in a face brushing device, so as to implement the technical scheme of the method embodiment shown in fig. 3 in this specification, and the implementation principle and technical effect may be further described with reference to the related description in the method embodiment.

Fig. 10 is a schematic structural diagram of a face-brushing payment device according to another embodiment of the present disclosure, and compared with the face-brushing payment device shown in fig. 9, the face-brushing payment device shown in fig. 10 may further include: a payment initiation module 95;

In an implementation manner of this embodiment, the receiving module 93 is further configured to, after the sending module 92 sends the order information of the user and the facial image of the user to a server of the electronic payment platform, receive a payment credential of the present order sent by the server, where the payment credential includes a user identifier of the user;

the payment initiation module 95 is configured to initiate a payment request corresponding to the current order to the server by using the payment credential received by the receiving module 93, so that the server executes a payment operation on an account corresponding to the user identifier according to the payment request.

In another implementation manner of this embodiment, the receiving module 93 is further configured to, after the sending module 92 sends the order information of the user and the facial image of the user to a server of the electronic payment platform, receive a payment credential of the present order sent by the server, where the payment credential includes a user identifier of the user; the payment certificate is sent after the server obtains the user identification of the user according to the facial image of the user and predicts that the order cannot be successfully paid according to account information corresponding to the user identification;

A payment initiation module 95, configured to initiate a payment request corresponding to the current order to the server using the payment credential received by the receiving module 93;

the receiving module 93 is further configured to receive a payment result sent by the server; the payment result is obtained after the server executes payment operation on the account corresponding to the user identifier according to the payment request;

the notification module 94 is further configured to notify the user of the payment result received by the receiving module 93.

The face payment device provided in the embodiment shown in fig. 10 may be disposed in a face brushing device, so as to implement the technical solutions of the method embodiments shown in fig. 3 to 5 of the present application, and the implementation principle and technical effects may be further described with reference to the related descriptions in the method embodiments.

Fig. 11 is a schematic structural diagram of a face-brushing payment device according to still another embodiment of the present disclosure, as shown in fig. 11, the face-brushing payment device may include: a receiving module 1101, an acquiring module 1102, a predicting module 1103 and a transmitting module 1104;

the receiving module 1101 is configured to receive order information and a face image of a user sent by a face brushing device; the order information comprises the order amount of the current order of the user;

An obtaining module 1102, configured to obtain a user identifier of the user according to the facial image received by the receiving module 1101;

a prediction module 1103, configured to predict a payment result of the current order according to account information corresponding to the user identifier; wherein, the account information corresponding to the user identifier comprises one or a combination of the following: the available payment level of the current account of the user, whether credit payment is opened, historical payment capability images, and whether payment channel switching is performed in a preset period before the current moment;

and a sending module 1104, configured to send a payment result of successful payment of the current order to the face brushing device when the prediction result of the prediction module 1103 is that the current order can be successfully paid, so that the face brushing device notifies the user of the payment result of successful payment of the current order.

The face payment device provided in the embodiment shown in fig. 11 may be disposed in a server of an electronic payment platform, so as to implement the technical scheme of the method embodiment shown in fig. 6 of the present application, and the implementation principle and technical effects thereof may be further described with reference to the related description of the method embodiment.

Fig. 12 is a schematic structural diagram of a face-brushing payment device according to still another embodiment of the present disclosure, and compared with the face-brushing payment device shown in fig. 11, the face-brushing payment device shown in fig. 12 may further include: a payment execution module 1105;

In one implementation manner, the sending module 1104 is further configured to send a payment credential of the present order to the face brushing device after the obtaining module 1102 obtains the user identifier of the user, where the payment credential includes the user identifier of the user;

the receiving module 1101 is further configured to receive a payment request initiated by the face brushing device using the payment credential;

the payment execution module 1105 is configured to execute a payment operation on an account corresponding to the user identifier according to the payment request received by the receiving module 1101.

Further, the apparatus may further include: a fund deduction module 1106;

a fund deduction module 1106, configured to, after the payment execution module 1105 executes the payment operation on the account corresponding to the user identifier, if the payment operation fails to be executed, transfer funds corresponding to the amount of the order to the seller user of the current order from the reserved deduction fund pool;

the sending module 1104 is further configured to send a prompt message to an electronic device used by the user, where the prompt message is used to prompt the user that an order that is not paid successfully exists, so as to guide the user to complete payment.

In another implementation manner, the sending module 1104 is further configured to send, to the face brushing device, a payment credential of the current order after the predicting module 1103 predicts the payment result of the current order, where the payment credential includes a user identifier of the user when the prediction result indicates that the current order cannot be successfully paid;

The receiving module 1101 is further configured to receive a payment request initiated by the face brushing device using the payment credential and corresponding to the current order;

a payment execution module 1105, configured to execute a payment operation on an account corresponding to the user identifier according to the payment request received by the receiving module 1101;

the sending module 1104 is further configured to send a payment result corresponding to the payment operation to the face brushing device, so that the face brushing device informs the user of the payment result.

The face payment device provided in the embodiment shown in fig. 12 may be disposed in a server of an electronic payment platform, so as to implement the technical solutions of the method embodiments shown in fig. 6 to fig. 8 of the present application, and the implementation principle and technical effects thereof may be further described with reference to the related descriptions in the method embodiments.

Fig. 13 is a schematic structural diagram of a face brushing device according to an embodiment of the present disclosure, as shown in fig. 13, where the face brushing device may include: one or more processors 1301 and a memory 1302. Wherein: the memory 1302 stores program instructions executable by the processor 1301, and the processor 1301 can execute the face payment method provided in the embodiment shown in fig. 3 to 5 of the present specification by calling the program instructions.

As shown in fig. 13, the processor 1301 and the memory 1302 may communicate with each other via an internal connection path to transfer control and/or data signals, the memory 1302 being configured to store a computer program, the processor 1301 being configured to call and run the computer program from the memory 1302.

The processor 1301 may be combined with the memory 1302 into a single processing device, more commonly a separate component, and the processor 1301 is configured to execute the program code stored in the memory 1302 to implement the functions described above. In particular, the memory 1302 may also be integrated into the processor 1301 or may be separate from the processor 1301.

In addition, in order to make the function of the face brushing device more complete, the face brushing device may further include one or more of an image capturing unit 1303, an input unit 1304, a display unit 1305, an audio circuit 1306, and the like.

Wherein the image capturing unit 1303 may include a camera 13031, the input unit 1304 may include a touch panel 13041, the display unit 1305 may include a display screen 13051, and the audio circuit 1306 may include a microphone 13061 and a speaker 13062.

Optionally, the above-described face brushing device may further include a power supply 1307.

It should be appreciated that the processor 1301 in the face brushing device shown in fig. 13 may be a system on chip SOC, and the processor 1301 may include a central processing unit (central processing unit, CPU) and may further include other types of processors, such as: an image processor (graphics processing unit, GPU), etc.

In general, portions of the processors or processing units within the processor 1301 may cooperate to implement the preceding method flows, and corresponding software programs for the portions of the processors or processing units may be stored in the memory 1302.

The memory 1302 may be a read-only memory (ROM), other type of static storage device that can store static information and instructions, a random access memory (random access memory, RAM) or other type of dynamic storage device that can store information and instructions, an electrically erasable programmable read-only memory (electrically erasable programmable read-only memory, EEPROM), a compact disc read-only memory (compact disc read-only memory) or other optical disk storage, a compact disc storage (including compact disc, laser disc, optical disc, digital versatile disc, blu-ray disc, etc.), a magnetic disk storage medium or other magnetic storage device, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer, etc.

FIG. 14 is a schematic diagram of a server according to an embodiment of the present disclosure, where the server may include at least one processor as shown in FIG. 14; and at least one memory communicatively coupled to the processor, wherein: the memory stores program instructions executable by the processor, and the processor invokes the program instructions to execute the face payment method provided in the embodiment shown in fig. 6 to 8 of the present specification.

The server may be a server of an electronic payment platform, and is implemented by a cloud server, and the implementation form of the server is not limited in this embodiment.

Fig. 14 shows a block diagram of an exemplary server suitable for use in implementing embodiments of the present description. The server shown in fig. 14 is only an example, and should not impose any limitation on the functions and scope of use of the embodiments of the present specification.

As shown in fig. 14, the server is in the form of a general purpose computing device. Components of the server may include, but are not limited to: one or more processors 410, a communication interface 420, a memory 430, and a communication bus 440 that connects the different components (including the memory 430, the communication interface 420, and the processing unit 410).

The communication bus 440 represents one or more of any of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, or a local bus using any of a variety of bus architectures. By way of example, and not limitation, communication buses 440 may include industry standard architecture (industry standard architecture, ISA) buses, micro channel architecture (micro channel architecture, MAC) buses, enhanced ISA buses, video electronics standards association (video electronics standards association, VESA) local bus, and peripheral component interconnect (peripheral component interconnection, PCI) buses.

A server typically includes a variety of computer system readable media. Such media can be any available media that can be accessed by the server and includes both volatile and nonvolatile media, removable and non-removable media.

Memory 430 may include computer system readable media in the form of volatile memory, such as random access memory (random access memory, RAM) and/or cache memory. Memory 430 may include at least one program product having a set (e.g., at least one) of program modules configured to carry out the functions of the embodiments shown in fig. 6-8 of the present description.

A program/utility having a set (at least one) of program modules may be stored in the memory 430, such program modules including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each or some combination of which may include an implementation of a network environment. Program modules generally perform the functions and/or methods of the embodiments described in fig. 6-8 of the present specification.

The processor 410 executes various functional applications and data processing by running programs stored in the memory 430, for example, implementing the face payment method provided in the embodiment shown in fig. 6 to 8 of the present specification.

Embodiments of the present disclosure provide a non-transitory computer readable storage medium storing computer instructions that cause a computer to execute the face payment method provided by the embodiments shown in fig. 3 to 5 of the present disclosure.

Embodiments of the present disclosure provide a non-transitory computer-readable storage medium storing computer instructions that cause a computer to execute the face payment method provided by the embodiments shown in fig. 6 to 8 of the present disclosure.

The non-transitory computer readable storage media described above may employ any combination of one or more computer readable media. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples (a non-exhaustive list) of the computer-readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (erasable programmable read only memory, EPROM) or flash memory, an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.

The computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, either in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.

Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, radio Frequency (RF), etc., or any suitable combination of the foregoing.

Computer program code for carrying out operations for the present specification may be written in one or more programming languages, including an object oriented programming language such as Java, smalltalk, C ++ and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any kind of network, including a local area network (local area network, LAN) or a wide area network (wide area network, WAN), or may be connected to an external computer (e.g., connected via the internet using an internet service provider).

In the description of the present specification, a description referring to terms "one embodiment," "some embodiments," "examples," "specific examples," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the present specification. In this specification, schematic representations of the above terms are not necessarily directed to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, the different embodiments or examples described in this specification and the features of the different embodiments or examples may be combined and combined by those skilled in the art without contradiction.

Furthermore, the terms "first," "second," and the like, are used for descriptive purposes only and are not to be construed as indicating or implying a relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defining "a first" or "a second" may explicitly or implicitly include at least one such feature. In the description of the present specification, the meaning of "plurality" means at least two, for example, two, three, etc., unless explicitly defined otherwise.

Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing specific logical functions or steps of the process, and additional implementations are included within the scope of the preferred embodiment of the present specification in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the embodiments of the present specification.

Depending on the context, the word "if" as used herein may be interpreted as "at … …" or "at … …" or "in response to a determination" or "in response to detection". Similarly, the phrase "if determined" or "if detected (stated condition or event)" may be interpreted as "when determined" or "in response to determination" or "when detected (stated condition or event)" or "in response to detection (stated condition or event), depending on the context.

It should be noted that, the terminals in the embodiments of the present disclosure may include, but are not limited to, a personal computer (personal computer, PC), a personal digital assistant (personal digital assistant, PDA), a wireless handheld device, a tablet computer (tablet computer), a mobile phone, an MP3 player, an MP4 player, and the like.

In the several embodiments provided in this specification, it should be understood that the disclosed systems, apparatuses, and methods may be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative, e.g., the division of the elements is merely a logical function division, and there may be additional divisions when actually implemented, e.g., multiple elements or components may be combined or integrated into another system, or some features may be omitted or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or units, which may be in electrical, mechanical or other form.

In addition, each functional unit in each embodiment of the present specification may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in hardware plus software functional units.

The integrated units implemented in the form of software functional units described above may be stored in a computer readable storage medium. The software functional unit is stored in a storage medium, and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) or a processor (processor) to perform part of the steps of the methods described in the embodiments of the present specification. And the aforementioned storage medium includes: a usb disk, a removable hard disk, a read-only memory (ROM), a random-access memory (RAM), a magnetic disk, or an optical disk, etc.

The foregoing description of the preferred embodiments is provided for the purpose of illustration only, and is not intended to limit the scope of the disclosure, since any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the disclosure are intended to be included within the scope of the disclosure.

Claims

1. A face brushing payment method, comprising:

the method comprises the steps that a server of an electronic payment platform receives order information and a face image of a user, wherein the order information and the face image are sent by face brushing equipment; wherein, the order information comprises the order amount of the user's current order;

acquiring a user identification of the user according to the facial image of the user;

Predicting the payment result of the current order according to the account information corresponding to the user identifier; wherein the account information corresponding to the user identification comprises one or a combination of the following: whether credit payment is opened, historical payment capability images are displayed, and whether payment channel switching is performed in a preset period before the current moment;

when the predicted result is that the order can be paid successfully, sending a payment result of successful payment of the order to the face brushing equipment, so that the face brushing equipment informs the user of the payment result of successful payment of the order;

the server receives a payment request corresponding to the order initiated by the face brushing equipment, and executes payment operation on an account corresponding to the user identifier;

if the payment operation fails to be executed, the funds corresponding to the amount of the order are allocated to the seller user of the current order from a reserved deduction fund pool; and sending prompt information for prompting the user that an order which is not paid successfully exists to the electronic equipment used by the user.

2. The method of claim 1, wherein the acquiring the user identification of the user from the facial image of the user further comprises:

Sending a payment credential of the current order to the face brushing equipment, wherein the payment credential comprises a user identifier of the user;

receiving a payment request initiated by the face brushing equipment by using the payment credential;

and executing payment operation on the account corresponding to the user identifier according to the payment request.

3. The method of claim 2, wherein after performing a payment operation on the account corresponding to the user identifier according to the payment request, further comprising:

if the payment operation fails to be executed, transferring funds corresponding to the amount of the order from a reserved deduction fund pool to a seller user of the current order;

and sending prompt information to the electronic equipment used by the user, wherein the prompt information is used for prompting the user that an order which is not paid successfully exists so as to guide the user to complete payment.

4. The method of claim 1, wherein after predicting the payment result of the current order according to the account information corresponding to the user identifier, further comprises:

when the predicted result is that the order cannot be paid successfully, sending a payment certificate of the order to the face brushing equipment, wherein the payment certificate comprises a user identifier of the user;

Receiving a payment request which is initiated by the face brushing equipment by using the payment certificate and corresponds to the current order;

according to the payment request, executing payment operation on the account corresponding to the user identifier;

and sending a payment result corresponding to the payment operation to the face brushing equipment, so that the face brushing equipment informs the user of the payment result.

5. A face-brushing payment device disposed in a server of an electronic payment platform, the device comprising:

the receiving module is used for receiving the order information and the face image of the user sent by the face brushing equipment; wherein, the order information comprises the order amount of the user's current order;

the acquisition module is used for acquiring the user identification of the user according to the facial image received by the receiving module;

the prediction module is used for predicting the payment result of the current order according to the account information corresponding to the user identifier; wherein the account information corresponding to the user identification comprises one or a combination of the following: whether credit payment is opened, historical payment capability images are displayed, and whether payment channel switching is performed in a preset period before the current moment;

the sending module is used for sending a successful payment result of the order to the face brushing equipment when the prediction result of the prediction module is that the order can be successfully paid, so that the face brushing equipment can inform the user of the successful payment result of the order;

The execution module is used for receiving a payment request corresponding to the current order initiated by the face brushing equipment by the server and executing payment operation on an account corresponding to the user identifier;

the fund deduction module is used for transferring funds corresponding to the amount of the order from a reserved deduction fund pool to a seller user of the current order if the payment operation fails to be executed; and sending prompt information for prompting the user that an order which is not paid successfully exists to the electronic equipment used by the user.

6. The apparatus of claim 5, further comprising: a payment execution module;

the sending module is further configured to send a payment credential of the present order to the face brushing device after the obtaining module obtains the user identifier of the user, where the payment credential includes the user identifier of the user;

the receiving module is further configured to receive a payment request initiated by the face brushing device using the payment credential;

and the payment execution module is used for executing payment operation on the account corresponding to the user identifier according to the payment request received by the receiving module.

7. The apparatus of claim 6, further comprising: a fund replacement module;

The fund deduction module is used for transferring funds corresponding to the order amount to a seller user of the current order from a reserved deduction fund pool if the payment operation fails to be executed after the payment execution module executes the payment operation on the account corresponding to the user identifier;

the sending module is further configured to send a prompt message to an electronic device used by the user, where the prompt message is used to prompt the user that an order that is not paid successfully exists, so as to guide the user to complete payment.

8. The apparatus of claim 5, further comprising: a payment execution module;

the sending module is further configured to send a payment credential of the current order to the face brushing device when the prediction result is that the current order cannot be paid successfully after the prediction module predicts the payment result of the current order, where the payment credential includes a user identifier of the user;

the receiving module is further configured to receive a payment request initiated by the face brushing device by using the payment credential and corresponding to the current order;

the payment execution module is used for executing payment operation on the account corresponding to the user identifier according to the payment request received by the receiving module;

The sending module is further configured to send a payment result corresponding to the payment operation to the face brushing device, so that the face brushing device notifies the user of the payment result.

9. A server, comprising:

at least one processor; and

at least one memory communicatively coupled to the processor, wherein:

the memory stores program instructions executable by the processor, the processor invoking the program instructions to perform the method of any of claims 1-4.

10. A non-transitory computer readable storage medium storing computer instructions that cause the computer to perform the method of any one of claims 1 to 4.