CN112598406A

CN112598406A - Automatic payment substituting method based on protocol, acquiring bank server and system

Info

Publication number: CN112598406A
Application number: CN202011518272.2A
Authority: CN
Inventors: 朱国平; 史大鹏; 吕涛; 雷兵
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2020-12-21
Filing date: 2020-12-21
Publication date: 2021-04-02

Abstract

The invention provides an automatic payment method, an acquiring bank server and a system based on a protocol, which can be used in the financial field or other technical fields. The method comprises the following steps: receiving a payment-instead transaction request sent by a merchant terminal, wherein the payment-instead transaction request comprises order information, a shopping site photo and a payment identifier; determining a payment account and first face recognition information corresponding to the payment identifier according to the payment identifier, and extracting second face recognition information according to the shopping site picture; and if the second face identification information is matched with the first face identification information, performing order payment processing according to the order information and the payment account number to complete the payment-by-payment transaction. The acquirer server and system are used for executing the method. The protocol-based automatic payment method, the acquirer server and the system improve the convenience of payment.

Description

Automatic payment substituting method based on protocol, acquiring bank server and system

Technical Field

The invention relates to the technical field of electronic payment, in particular to an automatic payment substituting method based on a protocol, an acquiring bank server and a system.

Background

In real life, with the development of network technology, network payment becomes the main payment means of people.

The network payment brings great convenience to people who use network payment such as smart phones. However, for many people who cannot or are inconvenient to use network payment tools such as smart phones, such as the elderly, minors and disabled, the people cannot enjoy the convenience of network payment, and especially considering that China has entered into an aging society, the people have huge elderly people.

Therefore, how to propose a payment method that enables people who do not use internet payment to enjoy the convenience of internet payment on the premise of ensuring the payment security is an important issue to be solved in the field.

Disclosure of Invention

For solving the problems in the prior art, embodiments of the present invention provide an automatic payment method, an acquirer server, and a system based on a protocol, which can at least partially solve the problems in the prior art.

In a first aspect, the present invention provides an automatic payment method based on a protocol, including:

receiving a payment-instead transaction request sent by a merchant terminal, wherein the payment-instead transaction request comprises order information, a shopping site photo and a payment identifier;

determining a payment account and first face recognition information corresponding to the payment identifier according to the payment identifier, and extracting second face recognition information according to the shopping site picture;

and if the second face identification information is matched with the first face identification information, performing order payment processing according to the order information and the payment account number to complete the payment-by-payment transaction.

In a second aspect, the present invention provides an acquirer server, including:

the system comprises a receiving unit, a payment withholding unit and a payment processing unit, wherein the receiving unit is used for receiving a payment withholding transaction request sent by a merchant terminal, and the payment withholding transaction request comprises order information, a shopping site photo and a payment identifier;

the first query unit is used for querying a payment account and face recognition information corresponding to the payment identifier according to the payment identifier and extracting second face recognition information according to the shopping site picture;

and the payment-withholding processing unit is used for performing order payment processing according to the order information and the payment account number after the second face identification information is matched with the first face identification information so as to complete payment-withholding transaction.

In a third aspect, the present invention provides an automatic payment-for-replacement system based on a protocol, including the acquirer server and the merchant terminal described in any of the above embodiments, where the acquirer server is in communication connection with the merchant terminal.

In a fourth aspect, the present invention provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the steps of the protocol-based automated payment method according to any of the above embodiments.

In a fifth aspect, the present invention provides a computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, implements the steps of the protocol-based automated payment method according to any one of the above embodiments.

The protocol-based automatic payment-for-delivery method, the acquiring bank server and the system provided by the embodiment of the invention can receive a payment-for-delivery transaction request sent by a merchant terminal, determine a payment account and first face identification information corresponding to the payment identifier according to the payment identifier, extract second face identification information according to a shopping site photo, perform order payment processing according to order information and the payment account after the second face identification information is matched with the first face identification information to complete payment-for-delivery transaction, initiate payment-for-delivery transaction by the merchant terminal, do not need any operation of site shoppers, can provide convenient and safe payment service for old people and people who are inconvenient to use network payment tools such as smart phones and the like, and improve the convenience of payment.

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 described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:

fig. 1 is a schematic structural diagram of an automatic payment-for-replacement system based on a protocol according to a first embodiment of the present invention.

Fig. 2 is a flowchart illustrating a protocol-based automatic payment method according to a second embodiment of the present invention.

Fig. 3 is a flowchart illustrating a protocol-based automatic payment method according to a third embodiment of the present invention.

Fig. 4 is a flowchart illustrating a protocol-based automatic payment method according to a fourth embodiment of the present invention.

Fig. 5 is a flowchart illustrating a protocol-based automatic payment method according to a fifth embodiment of the present invention.

Fig. 6 is a flowchart illustrating an automatic payment-for-replacement method based on a protocol according to a sixth embodiment of the present invention.

Fig. 7 is a flowchart of an automatic payment-for-replacement method based on a protocol according to a seventh embodiment of the present invention.

Fig. 8 is a flowchart of an automatic payment-for-replacement method based on a protocol according to an eighth embodiment of the present invention.

Fig. 9 is a schematic flowchart of a registration application of a payment identifier according to a ninth embodiment of the present invention.

Fig. 10 is a schematic structural diagram of an acquirer server according to a tenth embodiment of the present invention.

Fig. 11 is a schematic structural diagram of an acquirer server according to an eleventh embodiment of the present invention.

Fig. 12 is a schematic structural diagram of an acquirer server according to a twelfth embodiment of the present invention.

Fig. 13 is a schematic structural diagram of an acquirer server according to a thirteenth embodiment of the present invention.

Fig. 14 is a schematic structural diagram of an acquirer server according to a fourteenth embodiment of the present invention.

Fig. 15 is a schematic structural diagram of an automatic payment-for-replacement system based on a protocol according to a fifteenth embodiment of the present invention.

Fig. 16 is a schematic structural diagram of an automatic payment-for-replacement system based on a protocol according to a sixteenth embodiment of the present invention.

Fig. 17 is a schematic physical structure diagram of an electronic device according to a seventeenth embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention. It should be noted that the embodiments and features of the embodiments in the present application may be arbitrarily combined with each other without conflict.

In order to facilitate understanding of the technical solutions provided in the present application, the following first describes relevant contents of the technical solutions in the present application. By using the method for on-site shopping generation payment provided by the embodiment of the invention, a bank can cooperate with widely distributed merchants, so that the group which originally has little or no convenience in using a network payment tool can conveniently and safely enjoy the payment experience brought by network payment, and a generation party can conveniently and quickly control the payment scene, the amount and the like of minors, thus overcoming the defects of the existing network payment technology in the field of generation payment, facilitating the expansion of retail business by the bank and improving the convenience and the safety of generation payment transaction.

Fig. 1 is a schematic structural diagram of an automatic agreement-based payment system according to a first embodiment of the present invention, and as shown in fig. 1, the automatic agreement-based payment system according to the present invention includes a merchant terminal 1 and an acquiring bank server 2, where:

the merchant terminal 1 is in communication connection with an acquirer server 2. The merchant terminal 2 may be a desktop computer, a notebook computer, or the like. The acquirer of the merchant terminal 1 is a bank corresponding to the acquirer server 2.

The merchant terminal 2 is configured to generate order information and initiate a payment-for-use transaction request, and the acquirer server 2 is configured to execute the protocol-based automatic payment-for-use method provided by the embodiment of the present invention, and process the payment-for-use transaction request.

Fig. 2 is a schematic flow chart of an automatic agreement-based payment method according to a second embodiment of the present invention, and as shown in fig. 2, the automatic agreement-based payment method according to the embodiment of the present invention includes:

s201, receiving a payment-instead transaction request sent by a merchant terminal, wherein the payment-instead transaction request comprises order information, a shopping site photo and a payment identifier;

specifically, when a customer purchases a commodity on site, if the customer is inconvenient to pay, the customer can choose to purchase the commodity in a payment-by-payment mode. The method comprises the steps that a client provides a payment identifier for a merchant, the merchant collects a picture of on-site shopping of the client as a picture of a shopping site, the merchant generates order information for commodities purchased by the client through a merchant terminal, and then sends a payment-instead transaction request to an acquiring bank server, wherein the payment-instead transaction request can comprise the order information, the picture of the shopping site and the payment identifier. The acquirer server receives the payment withholding transaction request. The order information may include order summary information and commodity detail information, and the order summary information may include information such as an order number, a merchant identifier, a merchant address, a transaction timestamp, and a payment amount, and is set according to actual needs, which is not limited in the embodiment of the present invention. The commodity detail information may include information such as a commodity name, a commodity number, and a commodity unit price, and is set according to actual needs, which is not limited in the embodiment of the present invention. The payment identifier can be obtained by a bank pre-application of the paying customer. The paying-instead customer is a person who pays instead of others, for example, the paying-instead customer can pay for commodities purchased by own parents, friends and children.

For example, a certain article of plum uses a network payment tool less, a son-son small article of plum brings convenience to a father to shop in a shopping mall, a bank a with the father transacts a payment agency service, an automatic payment agency protocol is signed, a payment identifier e is applied, and face identification information of the certain article of plum of the father is collected as face identification information corresponding to the payment identifier e and used for payment verification during payment agency transaction. The small plum informs father that the plum can pay by using the payment identifier e when shopping.

When a certain shopping mall is bought, a certain commodity is bought by the merchant b, the staff of the merchant b is informed of the payment in a payment-on-behalf mode during the payment, and the payment identifier e is informed, and the acquiring bank of the merchant b is the bank a. The staff of the merchant B inputs the payment identifier e into the merchant terminal B, and takes a photo of a certain plum holding a commodity to be purchased through a camera, and the obtained photo is uploaded to the merchant terminal B of the merchant B as a photo of a certain plum shopping site. And then, the staff of the merchant B generates order information for a certain purchased commodity through the merchant terminal B, wherein the order information comprises order abstract information and commodity detail information, and the order abstract information comprises an order number, a merchant identifier of the merchant B, an address of the merchant B, a transaction timestamp and payment amount. And the staff of the merchant B sends a payment-by-payment transaction request to an acquiring bank server A of the merchant B through a merchant terminal B, wherein the payment-by-payment request comprises the order information, a certain shopping site photo and a payment identifier e.

S202, determining a payment account and first face recognition information corresponding to the payment identifier according to the payment identifier, and extracting second face recognition information according to the shopping site picture;

specifically, after receiving the payment-for-delivery transaction request, the acquirer server may determine, according to the payment identifier, a payment account and face recognition information corresponding to the payment identifier. When the payment identifier belongs to an acquirer corresponding to the acquirer server, the acquirer server can obtain a payment account and first face identification information corresponding to the payment identifier from local inquiry, and at this time, an account opening row corresponding to the payment identifier is the same as an acquirer corresponding to the acquirer server; and when the payment identifier does not belong to the acquirer corresponding to the acquirer server, the acquirer server sends a payment substitute query request to a third-party server, a payment account and first face identification information corresponding to the payment identifier are obtained through query of the third-party server, and at the moment, an account opening row corresponding to the payment identifier is different from an acquirer corresponding to the acquirer server. The acquirer server may extract second face recognition information from the shopping site photo.

And S203, if the second face identification information is matched with the first face identification information, performing order payment processing according to the order information and the payment account number to complete a payment-by-payment transaction.

Specifically, the acquiring bank server compares the first face identification information with the second face identification information, if the second face identification information matches the first face identification information, order payment processing may be performed according to the order information and the payment account, and payment success information may be sent to the merchant terminal after order payment is successful. After the staff of the merchant checks the payment success information, the staff can inform the customer that the payment is successful and the payment-instead transaction is completed.

For example, the acquirer server a extracts face recognition information of a certain plum from a shopping site photo of the certain plum, and queries and obtains the face recognition information corresponding to the payment identifier e. The acquiring bank server A compares the extracted face identification information of the certain plum with the face identification information corresponding to the payment identification e, and can judge that the extracted face identification information of the certain plum is matched with the face identification information corresponding to the payment identification e due to the fact that the face identification information corresponding to the payment identification e is the face identification information of the certain plum, so that the acquiring bank server A can obtain a merchant identification and a payment amount of a merchant b from order information, can inquire and obtain a bank account number set up by the merchant b in a bank a according to the merchant identification of the merchant b, then initiates a transfer transaction, and transfers the payment amount from the payment account number corresponding to the payment identification e to the bank account number set up by the merchant b in the bank a. After the transfer is completed, the acquiring bank server A sends successful payment information to the merchant terminal B, and after the staff of the merchant B sees the successful payment information, the staff informs that the payment transaction of a certain generation is completed and the commodity is successfully purchased. The acquirer server A can also send deduction information to the mobile phone of the small plum to prompt the small plum to finish an order payment transaction.

The protocol-based automatic payment-instead method provided by the embodiment of the invention can receive a payment-instead transaction request sent by a merchant terminal, determine a payment account and face identification information corresponding to the payment identifier according to the payment identifier, extract second face identification information according to a shopping site photo, perform order payment processing according to order information and the payment account after the second face identification information is matched with the first face identification information to complete the payment-instead transaction, initiate the payment-instead transaction by the merchant terminal, do not need any operation of site shoppers, can provide convenient and safe payment service for old people and people who are inconvenient to use network payment tools such as smart phones and the like, and improve the convenience of payment.

On the basis of the foregoing embodiments, further, the determining, according to the payment identifier, the payment account and the first face identification information corresponding to the payment identifier includes:

and if the payment identifier belongs to an acquirer, locally inquiring to obtain a first generation payment inquiry result, wherein the first generation payment inquiry result comprises a payment account number and face recognition information corresponding to the payment identifier.

Specifically, after receiving the payment-for-delivery transaction request, the acquirer server may determine whether the payment identifier belongs to an acquirer, where the acquirer refers to an issuer of a merchant corresponding to the merchant terminal, and if the payment identifier belongs to the acquirer, the acquirer server may locally query, according to the payment identifier, a first payment query result, where the first payment query result includes a payment account corresponding to the payment identifier and first face identification information. The payment identifier belongs to the acquiring bank, which indicates that the customer paying for the payment belongs to the acquiring bank through the payment identifier applied by the acquiring bank, the payment account and the face recognition information corresponding to the payment identifier are locally stored in the acquiring bank, and the payment account of the merchant belong to the acquiring bank.

For example, the acquirer server may query whether the same payment identifier exists in the database according to the payment identifier, and if so, the payment identifier is applied by a bank corresponding to the acquirer server, and the payment identifier belongs to an acquirer. Or, the payment identification includes a bank identification bit, the acquiring bank server can obtain the bank identification bit from the payment identification, if the bank identification bit in the payment identification is the same as the bank identification bit of the bank corresponding to the acquiring bank server, the payment identification is applied by the bank corresponding to the acquiring bank server, and the payment identification belongs to the acquiring bank. The bank identification positions correspond to banks one by one. The payment identification is in one-to-one correspondence with the bank identification position.

Fig. 3 is a flowchart of an automatic payment method based on a protocol according to a third embodiment of the present invention, and as shown in fig. 3, on the basis of the foregoing embodiments, the determining, according to the payment identifier, a payment account and first facial recognition information corresponding to the payment identifier further includes:

s301, if the payment identifier does not belong to the acquirer, sending a payment-for-delivery inquiry request to a third-party server; wherein the payment agent inquiry request comprises the payment identifier;

specifically, after receiving the payment-for-delivery transaction request, the acquirer server may determine whether the payment identifier belongs to an acquirer, and if the payment identifier does not belong to an acquirer, the acquirer server may send a payment-for-delivery inquiry request to a third-party server, where the payment-for-delivery inquiry request includes the payment identifier. After receiving the payment-for-delivery inquiry request, the third-party server determines information such as a payment account and first face identification information corresponding to the payment identifier according to the payment identifier, and then carries the payment account and the first face identification information in the payment-for-delivery inquiry result and returns the result to the acquiring bank server. The payment identifier does not belong to the acquiring bank, which indicates that the payment client does not pass the payment identifier applied by the acquiring bank, the payment account and the first face identification information corresponding to the payment identifier are not stored in the local acquiring bank, and the payment account of the merchant belong to different banks.

S302, receiving a second-generation payment inquiry result returned by the third-party server, wherein the second-generation payment inquiry result comprises a payment account corresponding to the payment identifier and first face identification information.

Specifically, the acquirer server receives a second-generation payment query result returned by the third-party server, and acquires a payment account and first face identification information corresponding to the payment identifier from the second-generation payment query result.

The automatic payment-for-others method based on the agreement provided by the embodiment of the invention is not limited to the commercial tenant with the same account opening bank as the payment-for-others customer, namely, the account opening bank of the commercial tenant and the payment-for-others customer can not be the same bank, thereby greatly expanding the commercial tenant range of the payment-for-others transaction.

Fig. 4 is a schematic flowchart of a protocol-based automatic payment method according to a fourth embodiment of the present invention, and as shown in fig. 4, on the basis of the foregoing embodiments, further, the second-generation payment inquiry result further includes an account opening bank corresponding to the payment account; correspondingly, the performing order payment processing according to the order information and the payment account number to complete a payment-by-replacement transaction comprises:

s401, acquiring a collection account and payment amount according to the order information;

specifically, the third-party server may further obtain an account opening row corresponding to the payment account according to the payment identifier query, and return the account opening row corresponding to the payment account, which is carried in the second-generation payment query result, to the acquirer server. When the acquiring bank server performs order payment processing, the merchant identifier and payment amount of the merchant can be obtained from the order information, and then a bank account opened by the merchant in the acquiring bank can be inquired and obtained according to the merchant identifier of the merchant and used as a collection account.

S402, sending an order payment request to a server of an issuer of the payment account; wherein the order payment request includes the collection account, the payment account, and the payment amount.

Specifically, after obtaining the collection account and the payment amount, the acquirer server sends an order payment request to a server of an issuer corresponding to the payment account (i.e., an issuer server of a payment client), where the order payment request includes the collection account, the payment account, and the payment amount. And after receiving the order payment request, the account opening bank server of the payment-taking customer transfers funds to the payment account and then remits the funds of the payment amount to the collection account, and the account opening bank server of the payment-taking customer can send payment completion information to the mobile terminal of the payment-taking customer. The acquirer server will post funds for the payment amount to the collection account. After the order payment is successful, the acquirer server may send payment success information to the merchant terminal.

Fig. 5 is a schematic flowchart of a protocol-based automatic payment method according to a fifth embodiment of the present invention, and as shown in fig. 5, on the basis of the foregoing embodiments, further, the protocol-based automatic payment method according to the embodiment of the present invention further includes:

s501, inquiring and obtaining the business range of a business corresponding to a business identifier according to the business identifier included in the order information;

specifically, the acquirer server may obtain, according to the payment identifier, a payment operation range corresponding to the payment identifier through local query, and the first generation payment query result may include the payment operation range corresponding to the payment identifier. The acquiring bank server may obtain the business range of the merchant corresponding to the merchant identifier by querying the merchant identifier included in the order information.

S502, if the operation range of the merchant corresponding to the merchant identification exceeds the payment operation range corresponding to the payment identification, the payment-instead transaction corresponding to the payment-instead transaction request is terminated.

Specifically, the acquiring bank server compares the operation range of the merchant corresponding to the merchant identifier with the payment operation range corresponding to the payment identifier, and if the operation range of the merchant corresponding to the merchant identifier exceeds the payment operation range corresponding to the payment identifier, the payment-for-payment transaction corresponding to the payment-for-payment transaction request is terminated. After terminating the payment-for-delivery transaction corresponding to the payment-for-delivery transaction request, the acquiring bank server may send a prompt message of failure of the payment-for-delivery transaction exceeding the payment operation range to the merchant terminal. By limiting the payment operation range corresponding to the payment identifier, the control of the payment scene of the payment-by-payment transaction can be realized.

Fig. 6 is a schematic flowchart of an automatic payment method based on agreement according to a sixth embodiment of the present invention, and as shown in fig. 6, on the basis of the foregoing embodiments, further, the second-generation payment inquiry result further includes a payment operation range corresponding to the payment identifier; accordingly, the method further comprises:

s601, inquiring and obtaining the business range of the business corresponding to the business identification according to the business identification included in the order information;

specifically, the third-party server may further obtain a payment operation range corresponding to the payment identifier according to the payment identifier query, and return the payment operation range corresponding to the payment identifier to the acquirer server by carrying the payment operation range in the payment-over-payment query result. The acquirer server may obtain the payment operation range corresponding to the payment identifier from the second-generation payment inquiry result. The acquiring bank server may obtain the business range of the merchant corresponding to the merchant identifier by querying the merchant identifier included in the order information. The business scope of the merchant can be obtained according to the business scope registered by the business license of the merchant; the payment operation range corresponding to the payment identifier can be an agreement on the operation range of the paying merchant when the identifier is applied, the paying merchant in the agreed operation range can carry out the payment on behalf of the paying merchant through the payment identifier, and the paying merchant not in the agreed operation range can not carry out the payment.

S602, if the operation range of the merchant corresponding to the merchant identifier exceeds the payment operation range corresponding to the payment identifier, terminating the payment-for-delivery transaction corresponding to the payment-for-delivery transaction request.

For example, a son of the son is immature, a representative payment service is transacted in a bank h for the convenience of son shopping, an automatic representative payment protocol is signed, a payment identifier f is applied, face recognition information of the son of the money is collected to serve as face recognition information corresponding to the payment identifier f, and the son of the money is informed that the payment identifier f can be used for payment during shopping. When a certain plum pays the mark f, in order to control the children mingming payment scene, the payment operation range corresponding to the payment mark f is agreed, and the operation ranges of the agreed bar, the billiard hall, the game hall, the singing and dancing hall, the KTV and the Internet bar are not in the payment operation range corresponding to the payment mark f, and the children mingming is informed.

When the user finds that a certain game hall d consumes, the user is informed of purchasing the game coins in a payment substitute mode, and is informed of the payment identifier f, the opening behavior of the game hall d is bank H, and the bank H corresponds to the acquiring bank server H. The staff of the game hall D sends a payment-for-payment transaction request to the acquiring bank server H of the merchant terminal D through the merchant terminal D of the game hall D, wherein the payment-for-payment transaction request comprises order information, small and bright live shopping photos and payment identification f. The order information includes a merchant identifier dd of the game room d.

After the payment identifier f belongs to the bank H, the acquiring bank server H can acquire the operation range corresponding to the merchant identifier dd according to inquiry of the merchant identifier dd, wherein the operation range includes game entertainment, the acquiring bank server H acquires the payment identifier f from the payment-for-use inquiry result and inquires the corresponding payment operation range, the acquiring bank server H compares the payment operation range corresponding to the payment identifier f with the operation range corresponding to the merchant identifier dd, and can judge that the operation range corresponding to the merchant identifier dd is not in the payment operation range corresponding to the payment identifier f, so that the acquiring bank server H can refuse the merchant terminal D to send a payment-for-use transaction request and terminate the payment-for-use transaction.

On the basis of the above embodiments, further, the first generation payment inquiry result further includes a generation payment limit corresponding to the payment identifier; accordingly, the method further comprises:

and if the payment amount included in the order information is larger than the payment withholding limit corresponding to the payment identifier, terminating the payment withholding transaction corresponding to the payment withholding transaction request.

Specifically, the acquirer server may obtain the payment limit corresponding to the payment identifier through local query according to the payment identifier, and the first payment query result may include the payment limit corresponding to the payment identifier. And the acquirer server obtains the payment amount from the order information, then compares the payment amount included by the order information with the payment amount included by the order information, and if the payment amount included by the order information is greater than the payment amount limit corresponding to the payment identifier, the payment amount limit is used for terminating the payment transaction corresponding to the payment transaction request. After terminating the payment-for-delivery transaction corresponding to the payment-for-delivery transaction request, the acquirer server may send a payment-for-delivery transaction failure prompt message exceeding a payment-for-delivery limit to the merchant terminal. By limiting the payment sub-payment limit corresponding to the payment identifier, the control of the payment amount of the payment sub-payment transaction can be realized.

On the basis of the above embodiments, further, the second-generation payment inquiry result further includes a second-generation payment limit corresponding to the payment identifier; accordingly, the method further comprises:

Specifically, the third-party server may further obtain a payment quota corresponding to the payment account according to the payment identifier query, and return the payment quota corresponding to the payment identifier to the acquiring bank server by carrying the payment quota in the second payment query result. The acquirer server may obtain the payment-withholding limit from the second-generation payment inquiry result, compare the payment-withholding limit with the payment amount included in the order information, and terminate the payment-withholding transaction corresponding to the payment-withholding transaction request if the payment amount included in the order information is greater than the payment-withholding limit corresponding to the payment identifier. After terminating the payment-for-delivery transaction corresponding to the payment-for-delivery transaction request, the acquirer server may send a payment-for-delivery transaction failure prompt message exceeding a payment-for-delivery limit to the merchant terminal. By limiting the payment sub-payment limit corresponding to the payment identifier, the control of the payment amount of the payment sub-payment transaction can be realized.

On the basis of the above embodiments, further, the payment-for-replacement transaction request is sent after being subjected to an encrypted signature.

Specifically, in order to ensure the safety of the transmission of the payment-under-payment transaction request, the payment-under-payment transaction request is sent after being subjected to encryption signature. After receiving the encrypted and signed payment-for-delivery transaction request, the acquirer server may decrypt the encrypted and signed payment-for-delivery transaction request according to the public key of the encrypted signature.

Fig. 7 is a flowchart of an automatic agreement-based payment method according to a seventh embodiment of the present invention, and as shown in fig. 7, the flow of the automatic agreement-based payment method according to the embodiment of the present invention is as follows:

firstly, sending a payment-for-delivery transaction request. The merchant terminal sends a payment-instead transaction request to the acquiring bank server, wherein the payment-instead transaction request comprises order information, a shopping site photo of the payment requester and a payment identifier.

And secondly, inquiring the information related to payment by surrogates. And the acquirer server judges whether the payment identifier belongs to an acquirer, and if the payment identifier belongs to an acquirer, the payment account and the first face identification information corresponding to the payment identifier are determined according to the payment identifier.

And thirdly, extracting second face recognition information. The acquirer server may extract the second face recognition information from the shopping site photo.

And fourthly, verifying the face recognition information. And the acquiring bank server compares the first face identification information with the second face identification information, and if the second face identification information is matched with the first face identification information, the fifth step is carried out. Otherwise, if the second face identification information is not matched with the first face identification information, the acquiring bank server rejects the payment-by-payment transaction request, and prompt information for terminating the payment-by-payment transaction can be sent to the merchant terminal.

And fifthly, carrying out order payment processing. And the acquiring bank server performs order payment processing according to the order information and the payment account number, and transfers payment amount from the payment account number to a receiving account number of the merchant.

And sixthly, sending payment success information. And after the order payment is successful, the acquiring bank server sends payment success information to the merchant terminal. After the staff of the merchant checks the payment success information, the staff can inform the customer that the payment is successful and the payment-instead transaction is completed.

Fig. 8 is a flowchart of an automatic payment method based on a protocol according to a ninth embodiment of the present invention, and as shown in fig. 8, the flow of the automatic payment method based on a protocol according to the embodiment of the present invention is as follows:

And step two, sending a payment withholding inquiry request. And the acquirer server judges whether the payment identifier belongs to the acquirer, and if the payment identifier does not belong to the acquirer, the acquirer server sends a payment withholding inquiry request to the third-party server, wherein the payment withholding inquiry request comprises the payment identifier.

And thirdly, returning a substitute payment inquiry result. After receiving the substitute payment inquiry request, the third-party server inquires information such as a payment account, an account opening bank, first face identification information and the like corresponding to the payment identifier according to the payment identifier, and then carries the payment account, the account opening bank and the face identification information corresponding to the payment identifier in a second substitute payment inquiry result to return to the acquiring bank server.

And step four, extracting second face recognition information. The acquirer server may extract the second face recognition information from the shopping site photo.

And fifthly, verifying the face recognition information. And the acquiring bank server compares the first face identification information with the second face identification information, and if the second face identification information is matched with the first face identification information, the sixth step is carried out. Otherwise, if the second face identification information is not matched with the first face identification information, the acquiring bank server rejects the payment-by-payment transaction request, and prompt information for terminating the payment-by-payment transaction can be sent to the merchant terminal.

And sixthly, sending an order payment request. The acquiring bank server can obtain the merchant identification and the payment amount of the merchant from the order information, and then can query and obtain a bank account opened by the merchant in the acquiring bank as a payment account according to the merchant identification of the merchant. And the acquirer server sends an order payment request to a server of an issuer corresponding to the payment account (namely, an issuer server of the payment client), wherein the order payment request comprises a collection account, a payment account and a payment amount.

And step seven, sending a fund remittance request. And the client-side account opening bank server transfers funds to the payment account and then remits the funds of the payment amount to the collection account.

And step eight, sending payment success information. The acquirer server will deposit the funds of the payment amount into the payment account, and then send payment success information to the merchant terminal.

Fig. 9 is a schematic flowchart of a registration application process of a payment identifier according to a ninth embodiment of the present invention, and as shown in fig. 9, the registration application process of the payment identifier according to the embodiment of the present invention is as follows:

first, a payment identifier registration request is sent. The payment agent client can send a registration request of a payment identifier to the payment agent client account server through the mobile terminal, the registration request of the payment identifier can comprise information such as a mobile phone number and an identity card number of the payment agent client, a bank account number which is set by the payment agent client in a bank corresponding to the payment agent client account server, face recognition information of parents, friends and children of the payment agent client, and the like, and an automatic payment agent protocol, and the payment is agreed to be verified through the face recognition information.

And secondly, forwarding the payment identifier registration request. And the payment identifier registration request is forwarded to the third-party server by the account opening bank server of the payment-approving client, and the third-party staff approves the payment identifier registration request of the payment-approving client. After the approval is passed, the third-party server generates a unique corresponding payment identifier for the payment client, and correspondingly stores the payment identifier, the mobile phone number and the identification number of the payment client, a bank account number of the payment client in a bank corresponding to the account opening bank server of the payment client, face recognition information of parents, friends and children of the payment client and the like.

And thirdly, sending registration success information. And the third-party server sends registration success information to the client account issuer server for payment, wherein the registration success information comprises a payment identifier. The payment assistant customer account opening bank server will forward the successful registration information to the mobile terminal of the payment assistant customer.

According to the protocol-based automatic payment method provided by the embodiment of the invention, on one hand, the payment-instead transaction can be completed by initiating the payment-instead transaction request through the merchant transaction terminal without any operation of on-site shopping personnel, so that the convenience and safety service is really realized for old people and people who are inconvenient to use network payment tools such as smart phones and the like, on the other hand, the payment identifier is registered in the third-party server, so that a merchant channel of the payment-instead transaction is not limited to merchants of the payment-instead customer, namely the merchants and the payment-instead customer's issuer can not be the same bank, and the merchant range of the payment-instead is greatly expanded. In addition, the face recognition information of the pictures of the payment site is matched with the face recognition information in the pre-stored payment-for-payment protocol, and the safety control means of automatic payment-for-payment and the use limit control and the like are carried out, so that the convenience and the safety of payment-for-payment transactions are greatly improved.

Fig. 10 is a schematic structural diagram of an acquiring bank server according to a tenth embodiment of the present invention, and as shown in fig. 10, the acquiring bank server according to the embodiment of the present invention includes a receiving unit 1001, a first querying unit 1002, and a payment assistant processing unit 1003, where:

the receiving unit 1001 is configured to receive a payment-for-payment transaction request sent by a merchant terminal, where the payment-for-payment transaction request includes order information, a shopping site photo, and a payment identifier; the first query unit 1002 is configured to determine, according to the payment identifier, a payment account and first face recognition information corresponding to the payment identifier, and extract second face recognition information according to the shopping site photo; the payment assistant processing unit 1003 is configured to, after the second face identification information is matched with the first face identification information, perform order payment processing according to the order information and the payment account to complete a payment assistant transaction.

Specifically, when a customer purchases a commodity on site, if the customer is inconvenient to pay, the customer can choose to purchase the commodity in a payment-by-payment mode. The customer provides a payment identifier to the merchant, the merchant collects a picture of on-site shopping of the customer as a picture of a shopping site, the merchant generates order information for a commodity purchased by the customer through a merchant terminal, and then sends a payment-for-payment transaction request to the receiving unit 1001, wherein the payment-for-payment transaction request may include the order information, the picture of the shopping site and the payment identifier. The receiving unit 1001 receives the payment withholding transaction request. The order information may include order summary information and commodity detail information, and the order summary information may include information such as an order number, a merchant identifier, a merchant address, a transaction timestamp, and a payment amount, and is set according to actual needs, which is not limited in the embodiment of the present invention. The commodity detail information may include information such as a commodity name, a commodity number, and a commodity unit price, and is set according to actual needs, which is not limited in the embodiment of the present invention. The payment identifier can be obtained by a bank pre-application of the paying customer. The paying-instead customer is a person who pays instead of others, for example, the paying-instead customer can pay for commodities purchased by own parents, friends and children.

After receiving the surcharge transaction request, the first query unit 1002 may query, according to the payment identifier, a payment account and first facial recognition information corresponding to the payment identifier. When the payment identifier belongs to an acquirer corresponding to the acquirer server, the first query unit 1002 may obtain, from local query, a payment account and first face identification information corresponding to the payment identifier, where an issuer corresponding to the payment identifier is the same as an acquirer corresponding to the acquirer server; when the payment identifier does not belong to the acquirer corresponding to the acquirer server, the first query unit 1002 may send a payment-for-payment query request to a third-party server, and obtain a payment account and first face identification information corresponding to the payment identifier through query by the third-party server, where an issuer corresponding to the payment identifier is different from an acquirer corresponding to the acquirer server. The first query unit 1002 may extract second face recognition information from the shopping mall photograph.

The payment assistant processing unit 1003 compares the first face identification information with the second face identification information, if the second face identification information matches the first face identification information, order payment processing may be performed according to the order information and the payment account, and payment success information may be sent to the merchant terminal after the order payment is successful. After the staff of the merchant checks the payment success information, the staff can inform the customer that the payment is successful and the payment-instead transaction is completed.

The acquiring bank server provided by the embodiment of the invention can receive a payment-for-payment transaction request sent by a merchant terminal, determine a payment account and first face identification information corresponding to the payment identifier according to the payment identifier, extract second face identification information according to a shopping site picture, perform order payment processing according to order information and the payment account after the second face identification information is matched with the first face identification information to complete the payment-for-payment transaction, initiate the payment-for-payment transaction by the merchant terminal, do not need site shopping personnel to perform any operation, can provide convenient and safe payment service for old people and people who are inconvenient to use network payment tools such as smart phones and the like, and improve the convenience of payment.

On the basis of the foregoing embodiments, further, the first querying unit 1002 is specifically configured to:

Specifically, after receiving the payment-for-delivery transaction request, the first query unit 1002 may determine whether the payment identifier belongs to an acquirer, where the acquirer refers to an issuer of a merchant corresponding to the merchant terminal, and if the payment identifier belongs to the acquirer, the first query unit 1002 may locally query, according to the payment identifier, to obtain a payment account and first face identification information corresponding to the payment identifier. The payment identifier belongs to the acquiring bank, which indicates that the customer paying for the payment belongs to the acquiring bank through the payment identifier applied by the acquiring bank, the payment account and the face recognition information corresponding to the payment identifier are locally stored in the acquiring bank, and the payment account of the merchant belong to the acquiring bank.

Fig. 11 is a schematic structural diagram of an acquirer server according to an eleventh embodiment of the present invention, and as shown in fig. 11, a first querying unit 1002 includes a first sending subunit 10021 and a receiving subunit 10022, where:

the first sending subunit 10021 is configured to send a payment-for-use query request to the third-party server after the payment identifier does not belong to the acquirer; wherein the payment agent inquiry request comprises the payment identifier; the receiving subunit 10022 is configured to receive a second-generation payment query result returned by the third-party server, where the second-generation payment query result includes the payment account corresponding to the payment identifier and the first face identification information.

Specifically, after receiving the payment-for-delivery transaction request, the first sending subunit 10021 determines whether the payment identifier belongs to an acquirer, and if the payment identifier does not belong to an acquirer, the first sending subunit 10021 sends a payment-for-delivery query request to the third-party server, where the payment-for-delivery query request includes the payment identifier. After receiving the surcharge inquiry request, the third-party server inquires information such as a payment account and first face identification information corresponding to the payment identifier according to the payment identifier, and then carries the payment account and the first face identification information in the second-generation payment inquiry result and returns the result to the receiving subunit 10022. The payment identifier does not belong to the acquiring bank, which indicates that the payment client does not pass the payment identifier applied by the acquiring bank, the payment account and the first face identification information corresponding to the payment identifier are not stored in the local acquiring bank, and the payment account of the merchant belong to different banks.

The receiving subunit 10022 receives a second-generation payment query result returned by the third-party server, and obtains the payment account and the first face identification information corresponding to the payment identifier from the second-generation payment query result.

Fig. 12 is a schematic structural diagram of an acquirer server according to a twelfth embodiment of the present invention, and as shown in fig. 12, on the basis of the foregoing embodiments, further, the second-generation payment query result further includes an issuer corresponding to the payment account; accordingly, the surcharge processing unit 1003 provided in the embodiment of the present invention includes an obtaining subunit 10031 and a second sending subunit 10032, where:

the obtaining subunit 10031 is configured to obtain a collection account and a payment amount according to the order information; the second sending subunit 10032 is configured to send an order payment request to a server of an issuer of the payment account; wherein the order payment request includes the collection account, the payment account, and the payment amount.

Specifically, the third-party server may further obtain an account opening row corresponding to the payment account according to the payment identifier query, and return the account opening row corresponding to the payment account, which is carried in the payment withholding query result, to the acquirer server. When the obtaining subunit 10031 performs order payment processing, it may obtain a merchant identifier and a payment amount of the merchant from the order information, and then may query and obtain a bank account issued by the merchant in an acquirer according to the merchant identifier of the merchant, as a collection account.

After obtaining the collection account and the payment amount, the second sending subunit 10032 sends an order payment request to a server of an issuer corresponding to the payment account (i.e., a server of an issuer of a paying customer), where the order payment request includes the collection account, the payment account and the payment amount. And after receiving the order payment request, the account opening bank server of the payment-taking customer transfers funds to the payment account and then remits the funds of the payment amount to the collection account, and the account opening bank server of the payment-taking customer can send payment completion information to the mobile terminal of the payment-taking customer. The second sending subunit 10032 will credit the collection account with funds for the payment amount. After the order payment is successful, the second transmitting subunit 10032 may transmit payment success information to the merchant terminal. Fig. 13 is a schematic structural diagram of an acquirer server according to a thirteenth embodiment of the present invention, and as shown in fig. 13, on the basis of the foregoing embodiments, further, the first generation payment inquiry result or the second generation payment inquiry result further includes a payment operation range corresponding to the payment identifier; correspondingly, the acquirer server provided by the embodiment of the present invention further includes a second querying unit 1004 and a first terminating unit 1005, where:

the second query unit 1004 is configured to query, according to the merchant identifier included in the order information, to obtain the operating range of the merchant corresponding to the merchant identifier; the first terminating unit 1005 is configured to terminate the payment-for-delivery transaction corresponding to the payment-for-delivery transaction request after the operation range of the merchant corresponding to the merchant identifier exceeds the payment operation range corresponding to the payment identifier.

Specifically, the second querying unit 1004 may obtain the payment operation range corresponding to the payment identifier from the first generation payment query result or the second generation payment query result. The second query unit 1004 may query the business range of the merchant corresponding to the obtained merchant identifier according to the merchant identifier included in the order information. The business scope of the merchant can be obtained according to the business scope registered by the business license of the merchant; the payment operation range corresponding to the payment identifier can be an agreement on the operation range of the paying merchant when the identifier is applied, the paying merchant in the agreed operation range can carry out the payment on behalf of the paying merchant through the payment identifier, and the paying merchant not in the agreed operation range can not carry out the payment.

The first terminating unit 1005 compares the operation range of the merchant corresponding to the merchant identifier with the payment operation range corresponding to the payment identifier, and terminates the payment-for-delivery transaction corresponding to the payment-for-delivery transaction request if the operation range of the merchant corresponding to the merchant identifier exceeds the payment operation range corresponding to the payment identifier. The first terminating unit 1005 may transmit a payment-for-delivery transaction failure prompt message exceeding the payment operation range to the merchant terminal after terminating the payment-for-delivery transaction corresponding to the payment-for-delivery transaction request. By limiting the payment operation range corresponding to the payment identifier, the control of the payment scene of the payment-by-payment transaction can be realized.

Fig. 14 is a schematic structural diagram of an acquirer server according to a fourteenth embodiment of the present invention, and as shown in fig. 14, the first or second generation payment query result further includes a payment limit corresponding to the payment identifier; correspondingly, the acquirer server provided in the embodiment of the present invention further includes a second terminating unit 1006, where:

the second terminating unit 1006 is configured to terminate the payment-by-product transaction corresponding to the payment-by-product transaction request after the payment amount included in the order information is greater than the payment-by-product limit corresponding to the payment identifier.

Specifically, the second terminating unit 1006 may obtain the depayment limit from the first generation payment query result or the second generation payment query result, then compare the depayment limit with the payment amount included in the order information, and terminate the depayment transaction corresponding to the depayment transaction request if the payment amount included in the order information is greater than the depayment limit corresponding to the payment identifier. After terminating the payment-for-delivery transaction corresponding to the payment-for-delivery transaction request, the second terminating unit 1006 may send a prompt message of failure of payment-for-delivery transaction exceeding the payment-for-delivery limit to the merchant terminal. By limiting the payment sub-payment limit corresponding to the payment identifier, the control of the payment amount of the payment sub-payment transaction can be realized.

Specifically, in order to ensure the safety of the transmission of the payment-under-payment transaction request, the payment-under-payment transaction request is sent after being subjected to encryption signature. The receiving unit 1001 may decrypt the encrypted signed payment transaction request according to the public key of the encrypted signature after receiving the encrypted signed payment transaction request.

The embodiment of the acquirer server provided in the embodiments of the present invention may be specifically configured to execute the processing flow of each method embodiment, and the functions of the acquirer server are not described herein again, and refer to the detailed description of the method embodiments.

As shown in fig. 1, an embodiment of the present invention provides an automatic payment-for-replacement system based on a protocol, which includes an acquirer server 2 and a merchant terminal 1 according to any of the above embodiments, where the acquirer server 2 is in communication connection with the merchant terminal 1.

The merchant terminal 1 is used for generating order information, wherein the order information comprises order abstract information and commodity detail information, and the order abstract information comprises an order number, a merchant name, an address, a transaction timestamp and an amount; acquiring a shopping site photo and a payment identifier; the merchant terminal 1 may submit a payment-for-payment transaction request including the order information, the shopping site photo and the payment identifier to the acquirer server 2 after encryption and signature; and receiving order payment result information fed back by the single-row server 2.

The acquirer bank server 2 is used for decrypting the payment-for-use transaction request; extracting second face recognition information according to the shopping site picture; acquiring a customer name, a payment account and face identification information corresponding to the payment identifier; and after the second face identification information is matched with the first face identification information, carrying out order payment processing and returning a processing result to the merchant transaction terminal.

Fig. 15 is a schematic structural diagram of an automatic protocol-based payment replacement system according to a fifteenth embodiment of the present invention, and as shown in fig. 15, the automatic protocol-based payment replacement system according to the embodiment of the present invention further includes a third party server 3, and the third party server 3 is connected to the acquirer server 2 in a communication manner.

The third-party server 3, which may be a cross-bank remittance agency, receives the registration application of the customer payment identifier, provides an inquiry interface to the acquirer server 2, inquires and obtains information such as a corresponding customer name, a payment account number, an account opening and payment operation range of the payment account, first face identification information and the like according to the payment identifier, and feeds the information back to the acquirer server or the account opening server of the payment client. On the other hand, clearing of cross-bank transfers can be performed.

Fig. 16 is a schematic structural diagram of an automatic payment-for-delivery system based on a protocol according to a sixteenth embodiment of the present invention, and as shown in fig. 16, on the basis of the foregoing embodiments, further, the automatic payment-for-delivery system based on a protocol according to the embodiment of the present invention may further include a payment-for-delivery client issuer server 4 and a mobile terminal 5, where:

the mobile terminal 5 is in wireless communication connection with the client-side account-opening bank server 4, and the acquiring bank server 2, the client-side account-opening bank server 4 and the third-party server 3 are connected through a financial clearing network.

The payment-substituting customer account opening bank server 4 is used for processing the order payment request sent by the acquiring bank server 2 and sending payment completion information to the mobile terminal 5 after the payment is completed so as to prompt the payment-substituting customer to send a payment-substituting transaction. The mobile terminal 5 is owned by the surcharge.

It should be noted that the protocol-based automatic payment method, the acquiring bank server and the system provided by the embodiment of the present invention may be used in the financial field, and may also be used in any technical field other than the financial field.

Fig. 17 is a schematic physical structure diagram of an electronic device according to an embodiment of the present invention, and as shown in fig. 17, the electronic device may include: a processor (processor)1701, a communication Interface (Communications Interface)1702, a memory (memory)1703 and a communication bus 1704, wherein the processor 1701, the communication Interface 1702 and the memory 1703 communicate with each other via the communication bus 1704. The processor 1701 may call logical instructions in the memory 1703 to perform the following method: receiving a payment-instead transaction request sent by a merchant terminal, wherein the payment-instead transaction request comprises order information, a shopping site photo and a payment identifier; determining a payment account and first face recognition information corresponding to the payment identifier according to the payment identifier, and extracting second face recognition information according to the shopping site picture; and if the second face identification information is matched with the first face identification information, performing order payment processing according to the order information and the payment account number to complete the payment-by-payment transaction.

In addition, the logic instructions in the memory 1703 may be implemented in software functional units and may be stored in a computer readable storage medium when sold or used as a stand-alone product. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.

The present embodiment discloses a computer program product comprising a computer program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions which, when executed by a computer, enable the computer to perform the method provided by the above-mentioned method embodiments, for example, comprising: receiving a payment-instead transaction request sent by a merchant terminal, wherein the payment-instead transaction request comprises order information, a shopping site photo and a payment identifier; determining a payment account and first face recognition information corresponding to the payment identifier according to the payment identifier, and extracting second face recognition information according to the shopping site picture; and if the second face identification information is matched with the first face identification information, performing order payment processing according to the order information and the payment account number to complete the payment-by-payment transaction.

The present embodiment provides a computer-readable storage medium, which stores a computer program, where the computer program causes the computer to execute the method provided by the above method embodiments, for example, the method includes: receiving a payment-instead transaction request sent by a merchant terminal, wherein the payment-instead transaction request comprises order information, a shopping site photo and a payment identifier; determining a payment account and first face recognition information corresponding to the payment identifier according to the payment identifier, and extracting second face recognition information according to the shopping site picture; and if the second face identification information is matched with the first face identification information, performing order payment processing according to the order information and the payment account number to complete the payment-by-payment transaction.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention 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.

In the description herein, reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," "an example," "a particular example," 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 invention. In this specification, the schematic representations of the terms used above do not necessarily refer 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.

The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims

1. An automatic payment method based on protocol, comprising:

2. The method of claim 1, wherein the determining, from the payment identifier, a payment account number and first facial recognition information corresponding to the payment identifier comprises:

and if the payment identifier belongs to an acquirer, locally inquiring to obtain a first generation payment inquiry result, wherein the first generation payment inquiry result comprises a payment account corresponding to the payment identifier and first face identification information.

3. The method of claim 2, wherein the determining, from the payment identifier, a payment account number and first facial recognition information corresponding to the payment identifier comprises:

if the payment identifier does not belong to the acquirer, sending a payment-for-use inquiry request to a third-party server; wherein the payment agent inquiry request comprises the payment identifier;

and receiving a second-generation payment inquiry result returned by the third-party server, wherein the second-generation payment inquiry result comprises a payment account corresponding to the payment identifier and first face identification information.

4. The method of claim 3, wherein the second-generation payment query result further comprises an issuer corresponding to the payment account; correspondingly, the performing order payment processing according to the order information and the payment account number to complete a payment-by-replacement transaction comprises:

acquiring a collection account and payment amount according to the order information;

sending an order payment request to a server of an account opening bank of the payment account; wherein the order payment request includes the collection account, the payment account, and the payment amount.

5. The method of claim 3, wherein the first or second generation payment inquiry results further include a payment scope corresponding to the payment identifier; accordingly, the method further comprises:

inquiring and acquiring the operation range of the merchant corresponding to the merchant identifier according to the merchant identifier included in the order information;

and if the operation range of the merchant corresponding to the merchant identification exceeds the payment operation range corresponding to the payment identification, terminating the payment-instead transaction corresponding to the payment-instead transaction request.

6. The method of claim 3, wherein the first or second generation payment query result further comprises a payment limit corresponding to the payment identifier; accordingly, the method further comprises:

7. An acquirer server, comprising:

the first query unit is used for determining a payment account and first face recognition information corresponding to the payment identifier according to the payment identifier and extracting second face recognition information according to the shopping site picture;

8. The acquirer server of claim 7, wherein the first query unit is specifically configured to:

9. The acquirer server of claim 8, wherein the first query unit is specifically configured to:

the first sending subunit is used for sending a payment-for-replacement inquiry request to the third-party server after the payment identifier does not belong to the acquirer; wherein the payment agent inquiry request comprises the payment identifier;

and the receiving subunit is configured to receive a second-generation payment query result returned by the third-party server, where the second-generation payment query result includes a payment account corresponding to the payment identifier and the first face identification information.

10. The acquirer server of claim 9, wherein the second-generation payment query result further includes an issuer corresponding to a payment account; accordingly, the payment withholding processing unit comprises:

the obtaining subunit is used for obtaining a collection account and a payment amount according to the order information;

the second sending subunit is used for sending an order payment request to a server of an issuer of the payment account; wherein the order payment request includes the collection account, the payment account, and the payment amount.

11. The acquirer server of claim 9, wherein the first generation payment inquiry result or the second generation payment inquiry result further includes a payment operation scope corresponding to the payment identifier; accordingly, the acquirer server further includes:

the second query unit is used for querying and obtaining the business operation range corresponding to the business identifier according to the business identifier included in the order information;

and the first termination unit is used for terminating the payment-by-payment transaction corresponding to the payment-by-payment transaction request after the operation range of the merchant corresponding to the merchant identifier exceeds the payment operation range corresponding to the payment identifier.

12. The acquirer server of claim 9, wherein the first or second generation payment query result further includes a depreciation limit corresponding to the payment identifier; accordingly, the acquirer server further includes:

and the second termination unit is used for terminating the payment-for-delivery transaction corresponding to the payment-for-delivery transaction request after the payment amount included in the order information is larger than the payment-for-delivery limit corresponding to the payment identifier.

13. An automatic payment-over-agreement system comprising an acquirer server according to any one of claims 7 to 12 and a merchant terminal, the acquirer server being communicatively connected to the merchant terminal.

14. The system according to claim 13, further comprising a third party server communicatively coupled to the single file server.

15. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of the method of any of claims 1 to 6 are implemented when the computer program is executed by the processor.

16. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 6.