CN112613863A - Hand pulse payment method and device, electronic equipment and storage medium - Google Patents

Hand pulse payment method and device, electronic equipment and storage medium Download PDF

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Publication number
CN112613863A
CN112613863A CN202011635618.7A CN202011635618A CN112613863A CN 112613863 A CN112613863 A CN 112613863A CN 202011635618 A CN202011635618 A CN 202011635618A CN 112613863 A CN112613863 A CN 112613863A
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China
Prior art keywords
sub
account
payment
user
hand
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CN202011635618.7A
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Chinese (zh)
Inventor
陈海波
程巍
吉文雅
盛沿桥
王帅
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Shenlan Shengshi Technology Suzhou Co ltd
Deep Blue Technology Shanghai Co Ltd
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Shenlan Shengshi Technology Suzhou Co ltd
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Priority to CN202011635618.7A priority Critical patent/CN112613863A/en
Publication of CN112613863A publication Critical patent/CN112613863A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks

Abstract

The application provides a hand pulse payment method, a device, electronic equipment and a storage medium, wherein the method comprises the steps of respectively collecting hand pulse data of a main user and hand pulse data of sub-users so as to be respectively bound with a main account and sub-accounts established under the main account; inputting verification information related to the primary account number aiming at payment information so as to confirm the primary account number as a payment account number; and performing hand vein recognition on a payment user to recognize whether the payment user is the master user or the sub-user.

Description

Hand pulse payment method and device, electronic equipment and storage medium
Technical Field
The application relates to the technical field of computers, in particular to a hand pulse payment method, a device, electronic equipment and a storage medium in the field of hand pulse payment.
Background
With the gradual development of electronic technology, the demand for identity authentication during payment is gradually increased, and the electronic technology is being widely applied in various fields. The existing identity authentication technology mostly adopts the technologies of password identification, face identification, fingerprint identification and the like, has the advantages of wide applicability, convenient data acquisition and the like, and has the defects of easy counterfeiting and use and the like.
Aiming at the defect, a hand vein payment method based on hand vein recognition is provided, the hand vein recognition is carried out on the basis of hand veins of a human body to carry out payment authentication, and the method has the advantages of difficulty in counterfeiting, high degree of distinction, high accuracy and the like.
Disclosure of Invention
An object of the present application is to provide a method, an apparatus, an electronic device, and a storage medium for token payment, in which token data of a master user and a sub-user are respectively associated with a master account and a sub-account created under the master account, so that when payment is performed using the master account or the sub-account, authentication can be achieved through token identification of the master user and the sub-user. In addition, the hand pulse payment process only needs to input account information and carry out hand pulse recognition, and is suitable for non-electronic payment scenes without using a mobile phone, so that even the old or the minor who cannot operate the electronic equipment can carry out hand pulse payment, and the application range of the user is expanded. In addition, the sub-accounts can be set by utilizing the primary account, such as quota allocation, consumption prompt and the like, all the sub-accounts under the primary account can be managed more conveniently, and convenience of a user in account management is improved.
The purpose of the application is realized by adopting the following technical scheme:
in a first aspect, the present application provides a method of payment for a hand pulse, the method comprising: acquiring hand pulse data of a main user and sub-users respectively to be bound with a main account and a sub-account established under the main account respectively; inputting verification information related to the primary account number to confirm the primary account number as a payment account number; and performing hand vein recognition on a payment user to recognize whether the payment user is the master user or the sub-user.
The technical scheme has the beneficial effects that the payment authentication can be carried out by utilizing the hand pulse recognition, so that the risk of stealing the account is greatly reduced, and the safety of the account is improved. In addition, the hand pulse payment process only needs to input account information and carry out hand pulse recognition, and is suitable for non-electronic payment scenes without using a mobile phone, so that even the old or the minor who cannot operate the electronic equipment can carry out hand pulse payment, and the application range of the user is expanded.
In some optional embodiments, the collecting the hand vein data of the main user and the sub-user respectively to bind comprises: acquiring reference main vein data of the main user, and extracting reference main vein features to bind the reference main vein features with the main account; creating the sub-account under the primary account; and acquiring reference sub-hand vein data of the sub-users, and extracting reference sub-hand vein features to bind the reference sub-hand vein features with the sub-account numbers. The primary account number has a plurality of the sub-account numbers.
The technical scheme has the advantages that the main user and the sub-users can be respectively bound with the main account and the sub-accounts, so that all members in one family can share one main account, and the financial condition in the family can be conveniently and uniformly managed.
In some optional embodiments, the hand pulse recognition of the payment user comprises: collecting the hand vein data to be authenticated of the payment user to extract the hand vein features to be authenticated; and comparing the hand vein features to be authenticated with the reference main hand vein features of the primary account number serving as the payment account number or the reference sub-hand vein features of the sub-account number under the primary account number serving as the payment account number. When the hand vein features to be authenticated are matched with the reference main hand vein features or the reference sub-hand vein features, judging that the identification is successful; or when the hand vein feature to be authenticated is not matched with the reference main hand vein feature or the reference sub-hand vein feature, judging that the identification is failed, and judging that the payment is failed.
The technical scheme has the beneficial effects that payment authentication can be carried out through hand pulse recognition, so that the risk of account number embezzlement is greatly reduced, and the safety of the account number is improved. In addition, the payment authentication is performed without using electronic equipment such as a mobile phone in the hand vein payment process, so that even a user who cannot operate the electronic equipment such as the old or the minor can perform the hand vein payment, and the application range of the user is expanded.
In some optional embodiments, the method further comprises: allocating the quota of the sub account by using the primary account; and when the hand vein features to be authenticated are matched with the reference sub-hand vein features, inquiring whether the payment amount exceeds the allocated amount of the sub-account number. When the payment amount does not exceed the limit allocated by the sub account, judging that the payment is successful; or when the payment amount exceeds the limit allocated to the sub account, determining that the payment fails.
The technical scheme has the advantages that the primary account number can be used for carrying out limit management on the sub-account numbers, so that all the sub-account numbers under the primary account number can be managed more conveniently, and convenience of a user in account number management is improved. The master user can set the sub-account numbers of different sub-users according to needs, so that differentiated management can be achieved more easily.
In some optional embodiments, the method further comprises: according to the setting of the master user, starting or closing the payment information prompt of the sub-account under the master account; and under the condition that the main user starts the payment information prompt, when the sub-account number is successfully paid, sending successful payment information to the main user.
The technical scheme has the advantages that the primary account can select whether to obtain the payment records of the sub-accounts, and the using freedom and satisfaction of the user are improved.
In a second aspect, the present application provides a handpulse payment device, the device comprising: the account setting module is used for respectively acquiring hand pulse data of a master user and sub-users so as to be respectively bound with a master account and a sub-account established under the master account; the information verification module is used for inputting verification information related to the primary account number aiming at payment information so as to confirm the primary account number as a payment account number; and the hand pulse recognition module is used for carrying out hand pulse recognition on a payment user so as to recognize whether the payment user is the master user or the sub-user corresponding to the payment account.
The technical scheme has the beneficial effects that the payment authentication can be carried out by utilizing the hand pulse recognition, so that the risk of stealing the account is greatly reduced, and the safety of the account is improved. In addition, the hand pulse payment process only needs to input account information and carry out hand pulse recognition, and is suitable for non-electronic payment scenes without using a mobile phone, so that even the old or the minor who cannot operate the electronic equipment can carry out hand pulse payment, and the application range of the user is expanded.
In some optional embodiments, the account setting module includes: a primary account number binding unit, configured to collect reference primary vein data of the primary user, and extract a reference primary vein feature, so as to bind the reference primary vein feature with the primary account number; a sub-account creating unit configured to create the sub-account under the primary account; and the sub-account binding unit is used for acquiring the reference sub-hand vein data of the sub-user and extracting the reference sub-hand vein features so as to bind the reference sub-hand vein features with the sub-account. The primary account number has a plurality of the sub-account numbers.
The technical scheme has the advantages that the main user and the sub-users can be respectively bound with the main account and the sub-accounts, so that all members in one family can share one main account, and the financial condition in the family can be conveniently and uniformly managed.
In some optional embodiments, the hand pulse recognition module comprises: the hand vein feature extraction unit is used for acquiring to-be-authenticated hand vein data of the payment user so as to extract to-be-authenticated hand vein features; a hand vein feature comparison unit, configured to compare the hand vein feature to be authenticated with the reference primary hand vein feature of the primary account number serving as the payment account number or the reference sub-hand vein feature of the sub-account number under the primary account number serving as the payment account number; and a hand pulse recognition result determination unit for determining that the recognition is successful when the hand pulse feature to be authenticated matches the reference master hand pulse feature or the reference sub-hand pulse feature; or when the hand vein feature to be authenticated is not matched with the reference main hand vein feature or the reference sub-hand vein feature, judging that the identification is failed, and thus failing to pay.
The technical scheme has the beneficial effects that payment authentication can be carried out through hand pulse recognition, so that the risk of account number embezzlement is greatly reduced, and the safety of the account number is improved. In addition, the payment authentication is performed without using electronic equipment such as a mobile phone in the hand vein payment process, so that even a user who cannot operate the electronic equipment such as the old or the minor can perform the hand vein payment, and the application range of the user is expanded.
In some optional embodiments, the apparatus further comprises: the line granting module is used for allocating the line of the sub-account by using the primary account; the amount inquiry module is used for inquiring whether the payment amount exceeds the amount allocated to the sub-account when the hand vein feature to be authenticated is matched with the reference sub-hand vein feature; the amount result judging module is used for judging that the payment is successful when the payment amount does not exceed the amount distributed by the sub account; or when the payment amount exceeds the limit allocated to the sub account, determining that the payment fails.
The technical scheme has the advantages that the primary account number can be used for carrying out limit management on the sub-account numbers, so that all the sub-account numbers under the primary account number can be managed more conveniently, and convenience of a user in account number management is improved. The master user can set the sub-account numbers of different sub-users according to needs, so that differentiated management can be achieved more easily.
In some optional embodiments, the apparatus further comprises: the prompt selection module is used for starting or closing the payment information prompt of the sub-account under the primary account according to the setting of the primary user; and the prompt sending module is used for sending the payment success information to the master user when the master user starts the payment information prompt and the sub-account number is paid successfully.
The technical scheme has the advantages that the primary account can select whether to obtain the payment records of the sub-accounts, and the using freedom and satisfaction of the user are improved.
In a third aspect, the present application provides an electronic device, which includes a memory, a processor, and a hardware module for performing tasks, where the memory stores a computer program, and the processor implements the steps of any one of the above methods when executing the computer program.
In a fourth aspect, the present application provides a computer-readable storage medium storing a computer program which, when executed by a processor, implements the steps of any of the methods described above.
Drawings
The present application is further described below with reference to the drawings and examples.
Fig. 1 is a schematic flow chart of a manual payment method provided in an embodiment of the present application;
fig. 2 is a schematic flowchart of an account setting step provided in an embodiment of the present application;
FIG. 3 is a flowchart illustrating a hand pulse recognition procedure according to an embodiment of the present application;
fig. 4 is a schematic flowchart of a manual payment method provided in an embodiment of the present application;
fig. 5 is a schematic flowchart of a manual payment method according to an embodiment of the present application;
fig. 6 is a schematic structural diagram of a manual pulse payment device provided in an embodiment of the present application;
fig. 7 is a schematic structural diagram of an account setting module according to an embodiment of the present disclosure;
fig. 8 is a schematic structural diagram of a hand pulse recognition module according to an embodiment of the present disclosure;
fig. 9 is a schematic structural diagram of a manual pulse payment device provided in an embodiment of the present application;
fig. 10 is a schematic structural diagram of a manual pulse payment device provided in an embodiment of the present application;
fig. 11 is a schematic structural diagram of an electronic device according to an embodiment of the present application; and
fig. 12 is a schematic structural diagram of a program product for implementing a manual payment method according to an embodiment of the present application.
Detailed Description
The present application is further described with reference to the accompanying drawings and the detailed description, and it should be noted that, in the present application, the embodiments or technical features described below may be arbitrarily combined to form a new embodiment without conflict.
[ example 1]
Referring to fig. 1, the embodiment of the application provides a hand pulse payment method, which includes steps S101 to S103.
Step S101: and setting an account number.
And acquiring hand pulse data of the main user and the sub-user respectively so as to be bound with the main account and the sub-account established under the main account respectively.
Specifically, the method includes the steps of collecting hand vein data of a main user and hand vein data of sub-users and extracting hand vein features, and binding the hand vein features of the main user and the sub-users with a main account and one or more sub-accounts created under the main account.
Step S102: and information verification step.
For the payment information, authentication information related to the primary account number is input to confirm the primary account number as the payment account number.
When payment is performed, for payment information, a payment user may input authentication information related to a primary account number, for example, 4 digits after inputting a mobile phone with the primary account number, the authentication information is not limited, and may be any preset authentication information (for example, a primary account number code, etc.), as long as the authentication information can confirm that the primary account number corresponding to the authentication information is used as a payment account number.
Step S103: and (5) identifying the hand pulse.
And carrying out hand pulse recognition on the payment user by using a hand pulse recognition device so as to recognize whether the payment user is a master user or a sub-user corresponding to the master account as the payment account.
Specifically, in the case where the primary account is determined to be a payment account, the payment user needs to be authenticated to authenticate whether the payment user is a primary user or a sub-user who is the primary account of the payment account. Therefore, the payment user may be subjected to handpulse recognition by using a handpulse recognition device and compared with the handpulse characteristic handpulse characteristics that have been acquired in step S101, so as to determine whether the payment user is a master user or a sub-user that is a primary account of the payment account.
Therefore, according to the embodiment of the application, the payment authentication can be carried out by utilizing the hand pulse recognition, so that the risk of stealing the account is greatly reduced, and the safety of the account is improved. In addition, the hand pulse payment process only needs to input account information and carry out hand pulse recognition, and is suitable for non-electronic payment scenes without using a mobile phone, so that even the old or the minor who cannot operate the electronic equipment can carry out hand pulse payment, and the application range of the user is expanded.
[ example 2]
Embodiment 2 of the present application provides a hand pulse payment method, and embodiment 2 differs from embodiment 1 only in step S101, wherein, referring to fig. 2, step S101 may include steps S201 to S203. The same portions in embodiment 2 as those in embodiment 1 will not be described again.
S201: and binding the primary account number.
The method comprises the steps of collecting reference main vein data of a main user, and extracting reference main vein features to bind the reference main vein features with a main account.
Specifically, the hand pulse of the master user is identified by a hand pulse identification device to extract a reference master pulse feature of the master user, and the reference master pulse feature is bound with a master account of the master user for identity authentication of the master user later.
For example, inside a family, a person is selected as a primary user, a primary account of the primary user is created, and the hand vein data of the person is collected, and the hand vein data characteristics of the person are bound with the primary account.
S202: and creating a sub-account.
A sub-account number is created under the primary account number.
Specifically, a plurality of sub-account numbers may be created under one primary account number. For example, inside one family described above, other members inside the family than the aforementioned one person are taken as sub-users, and sub-accounts corresponding to the respective other members are created under the primary account.
S203: and binding the sub-account number.
And acquiring reference sub-hand vein data of the sub-users, and extracting reference sub-hand vein features to bind the reference sub-hand vein features with the sub-account numbers.
Specifically, for each created sub-account, collecting hand vein data of a sub-user corresponding to each sub-account by using a hand vein recognition device, extracting a reference sub-hand vein feature, and binding the reference sub-hand vein feature with the corresponding sub-account for identity authentication of the sub-user later.
For example, the previously described respective handvein data of the other members within the family are collected, and the reference sub-handvein features of the respective other members are bound to the respective corresponding sub-account numbers.
Therefore, according to the embodiment of the application, the main user and the sub-user can be respectively bound with the main account and the sub-account, so that all members in one family can share one main account, and the financial condition in the family can be conveniently and uniformly managed.
[ example 3]
Embodiment 3 of the present application provides a hand pulse payment method, and embodiment 3 differs from embodiments 1 and 2 only in step S103, and as shown in fig. 3, step S103 includes steps S301 to S303. The same portions as those in embodiments 1 and 2 in embodiment 3 will not be described again.
Step S301: and (5) extracting the hand pulse characteristics.
And collecting the hand vein data to be authenticated of the payment user to extract the hand vein features to be authenticated.
Specifically, the hand vein recognition device is used for collecting hand vein data to be authenticated of a payment user who is performing payment authentication, and extracting hand vein features to be authenticated.
Step S302: and comparing the hand pulse characteristics.
And comparing the hand vein features to be authenticated with the reference main hand vein features of the primary account number serving as the payment account number or the reference sub-hand vein features of the sub-account number under the primary account number serving as the payment account number.
Specifically, the vein feature to be authenticated extracted in step S301 is compared with the reference main vein feature of the primary account determined as the payment account in step S102 or the reference sub-vein feature of the sub-account under the primary account to confirm whether the payment user is the main user or the sub-user corresponding to the primary account as the payment account.
Step S303: and judging a hand pulse recognition result.
When the hand vein features to be authenticated are matched with the reference main hand vein features or the reference sub-hand vein features, judging that the identification is successful; or when the hand vein feature to be authenticated is not matched with the reference main hand vein feature or the reference sub-hand vein feature, judging that the identification is failed, and judging that the payment is failed.
When the to-be-authenticated hand vein feature is matched with the reference main hand vein feature, the payment user is judged to be a main user of the payment account; and when the to-be-authenticated handpulse characteristics are matched with the reference sub-handpulse characteristics, determining that the payment user is a sub-user of the payment account.
Therefore, according to the embodiment of the application, payment authentication can be performed through hand pulse recognition, so that the risk of account stealing is greatly reduced, and the safety of the account is improved. In addition, the payment authentication is performed without using electronic equipment such as a mobile phone in the hand vein payment process, so that even a user who cannot operate the electronic equipment such as the old or the minor can perform the hand vein payment, and the application range of the user is expanded.
[ example 4]
Embodiment 4 of the present application provides a hand pulse payment method, and embodiment 4 is different from embodiment 1 in that, compared with embodiment 1, referring to fig. 4, the hand pulse payment method of the present embodiment further includes steps S401 to S403. The same portions as those in embodiment 1 in this embodiment will not be described again.
Step S401: and granting the quota.
And allocating the quota of the sub-account by using the primary account.
Specifically, in the case that the primary account has one or more sub-accounts, the sub-accounts may be allocated with the primary account, for example, a per-pen limit or a monthly limit may be set.
Step S402: and (5) carrying out quota inquiry.
And when the hand pulse features to be authenticated are matched with the reference sub-hand pulse features, inquiring whether the payment amount exceeds the amount allocated to the sub-account.
Specifically, when the to-be-authenticated handcraft features are matched with the reference sub-handcraft features, the authentication result at this time indicates that the current payment user is a sub-user, the allocation limit of the sub-account needs to be inquired at this time, and the payment amount contained in the payment information is compared with the allocation limit of the user to inquire whether the payment amount exceeds the allocation limit of the sub-account corresponding to the sub-user.
Step S403: and (4) determining the result of the quota.
When the payment amount does not exceed the allocated amount of the sub account, judging that the payment is successful; or when the payment amount exceeds the allocated amount of the sub account, determining that the payment fails.
It needs to be added additionally that when the fingerprint feature to be authenticated is matched with the reference main fingerprint feature, the authentication result at this time indicates that the current payment user is the main user, and at this time, the payment success is directly judged without inquiring the allocation limit.
Therefore, according to the embodiment of the application, the primary account number can be used for carrying out limit management on the sub-account numbers, so that all the sub-account numbers under the primary account number can be managed more conveniently, and convenience of a user in account number management is improved. The master user can set the sub-account numbers of different sub-users according to needs, so that differentiated management can be achieved more easily.
[ example 5]
Embodiment 5 of the present application provides a manual payment method, and referring to fig. 5, the only difference between embodiment 5 and embodiment 4 is that the manual payment method of the present embodiment further includes steps S501 and S502.
Step S501: and prompting the selection step.
And starting or closing the payment information prompt of the sub-account under the primary account according to the setting of the primary user.
Specifically, the master user can set according to the own requirements and select to turn on or turn off the payment information prompt of one or more sub-accounts under the own master account.
Step S502: and prompting to send.
And under the condition that the master user starts the payment information prompt, when the sub-account number is successfully paid, the payment success information is sent to the master user.
Specifically, when the master user selects to start the payment information prompt, the payment success information is sent to the master user every time the sub-account number is paid successfully. On the contrary, when the master user selects to close the payment information prompt, no matter whether the sub-account is paid successfully or not, no message is sent to the master user.
Therefore, according to the embodiment of the application, the primary account can select whether to obtain the payment records of the sub-accounts, and the using freedom and satisfaction of the user are improved.
The embodiments of the fingerprint payment method of the present application are described above, according to the fingerprint payment method of the present application, fingerprint data of the master user and the sub-user are respectively associated with the master account and the sub-account created under the master account, so that when payment is performed by using the master account or the sub-account, identity authentication can be achieved by recognizing fingerprints of the master user and the sub-user, and compared with an existing identity authentication method, the method greatly reduces the risk of account theft and improves the security of the account. In addition, the hand pulse payment process only needs to input account information and carry out hand pulse recognition, and is suitable for non-electronic payment scenes without using a mobile phone, so that even the old or the minor who cannot operate the electronic equipment can carry out hand pulse payment, and the application range of the user is expanded. In addition, the sub-accounts can be set by utilizing the primary account, such as quota allocation, consumption prompt and the like, all the sub-accounts under the primary account can be managed more conveniently, and convenience of a user in account management is improved.
The embodiment of the application further provides a hand pulse payment device, and the specific implementation manner of the hand pulse payment device is consistent with the implementation manner and the achieved technical effect recorded in the embodiment of the method, and part of the contents are not repeated.
Various embodiments of the handpulse payment device will be described separately below.
[ example 6]
Referring to FIG. 6, the embodiment of the application provides a hand pulse payment device, which comprises modules 101-103.
The module 101: and an account setting module.
The account setting module 101 is configured to collect hand pulse data of a master user and a sub-user, so as to bind with a master account and a sub-account created under the master account.
Specifically, the account setting module 101 collects the hand vein data of the main user and the sub-user and extracts hand vein features, and binds the hand vein features of the main user and the sub-user with the main account and one or more sub-accounts created under the main account, respectively.
The module 102: and an information verification module.
The information verification module 102 is configured to input verification information related to the primary account number for the payment information, so as to confirm the primary account number as the payment account number.
When the payment is performed, the information verification module 102 may input verification information related to the primary account number for the payment information, for example, 4 digits after the primary account number is input into a mobile phone, and the verification information is not limited and may be any preset verification information (for example, a primary account number code, etc.), as long as the verification information can confirm that the primary account number corresponding to the verification information is the payment account number.
The module 103: and a hand pulse recognition module.
The pulse recognition module 103 is configured to perform pulse recognition on a payment user by using a pulse recognition device to recognize whether the payment user is a primary user or a sub-user corresponding to a primary account as a payment account.
Specifically, in the case where the primary account is determined to be a payment account, the payment user needs to be authenticated to authenticate whether the payment user is a primary user or a sub-user who is the primary account of the payment account. Therefore, the vein recognition module 103 may perform vein recognition on the payment user by using a vein recognition apparatus, and compare the vein features with the vein features already acquired by the account setting module 101, thereby determining whether the payment user is a master user or a sub-user as a primary account of the payment account.
Therefore, according to the embodiment of the application, the payment authentication can be carried out by utilizing the hand pulse recognition, so that the risk of stealing the account is greatly reduced, and the safety of the account is improved. In addition, the hand pulse payment process only needs to input account information and carry out hand pulse recognition, and is suitable for non-electronic payment scenes without using a mobile phone, so that even the old or the minor who cannot operate the electronic equipment can carry out hand pulse payment, and the application range of the user is expanded.
[ example 7]
Embodiment 7 of the present application provides a hand pulse payment device, and the difference between embodiment 7 and embodiment 6 lies in the module 101, wherein, referring to fig. 7, the module 101 may include the units 201 and 203. The same portions in embodiment 7 as those in embodiment 6 will not be described again.
201: and a primary account number binding unit.
The primary account binding unit 201 is configured to collect reference primary vein data of a primary user, and extract a reference primary vein feature, so as to bind the reference primary vein feature with a primary account.
Specifically, the primary account binding unit 201 is configured to identify a hand vein of a primary user by using a hand vein recognition device to extract a reference primary vein feature of the primary user, and bind the reference primary vein feature with a primary account of the primary user for later authentication of the primary user.
For example, inside a family, the primary account binding unit 201 selects a person as a primary user, creates a primary account of the primary user, and collects hand vein data of the person, binding the hand vein data characteristics thereof with the primary account.
202: and a sub-account creating unit.
The sub-account number creation unit 202 is configured to create a sub-account number under the primary account number.
Specifically, the sub-account number creation unit 202 may create a plurality of sub-account numbers under one primary account number. For example, inside one family described above, other members inside the family than the aforementioned one person are taken as sub-users, and sub-accounts corresponding to the respective other members are created under the primary account.
203: sub-account binding unit
The sub-account binding unit 203 is configured to collect reference sub-hand vein data of the sub-user, and extract reference sub-hand vein features to bind the reference sub-hand vein features with the sub-account.
Specifically, the sub-account binding unit 203 collects, for each sub-account that has been created, hand vein data of a sub-user corresponding to each sub-account using a hand vein recognition device, extracts a reference sub-hand vein feature, and binds the reference sub-hand vein feature with the corresponding sub-account for later identity authentication of the sub-user.
For example, the previously described respective handvein data of the other members within the family are collected, and the reference sub-handvein features of the respective other members are bound to the respective corresponding sub-account numbers.
Therefore, according to the embodiment of the application, the main user and the sub-user can be respectively bound with the main account and the sub-account, so that all members in one family can share one main account, and the financial condition in the family can be conveniently and uniformly managed.
[ example 8]
The embodiment 8 of the present application provides a hand pulse payment device, and the difference between the embodiment 8 and the embodiments 6 and 7 lies only in the module 103, as shown in fig. 8, the module 103 includes units 301 and 303. The same portions as those in embodiments 6 and 7 in embodiment 8 will not be described again.
Unit 301: a hand pulse feature extraction unit.
The handvein feature extraction unit 301 is configured to collect to-be-authenticated handvein data of the payment user to extract to-be-authenticated handvein features.
Specifically, the hand vein feature extraction unit 301 collects hand vein data to be authenticated of a payment user who is performing payment authentication using a hand vein recognition device, and extracts hand vein features to be authenticated.
The unit 302: and a hand pulse characteristic comparison unit.
The handvein feature comparison unit 302 is configured to compare the handvein feature to be authenticated with a reference primary handvein feature of a primary account number serving as a payment account number or a reference sub-handvein feature of a sub-account number under the primary account number serving as the payment account number.
Specifically, the vein feature comparison unit 302 compares the vein feature to be authenticated extracted by the vein feature extraction unit 301 with a reference primary vein feature of a primary account determined as a payment account or a reference sub-vein feature of a sub-account under the primary account to determine whether the payment user is a primary user or a sub-user corresponding to the primary account as the payment account.
Unit 303: a hand pulse recognition result determination unit.
The hand pulse recognition result determination unit 303 is configured to determine that recognition is successful when the hand pulse feature to be authenticated matches the reference main hand pulse feature or the reference sub-hand pulse feature; or when the hand vein feature to be authenticated is not matched with the reference main hand vein feature or the reference sub-hand vein feature, judging that the identification is failed, and judging that the payment is failed.
When the to-be-authenticated hand vein feature is matched with the reference main hand vein feature, the hand vein identification result judgment unit 303 judges that the payment user is the main user of the payment account; when the to-be-authenticated hand vein feature matches the reference sub-hand vein feature, the hand vein recognition result determination unit 303 determines that the payment user is a sub-user of the payment account.
Therefore, according to the embodiment of the application, payment authentication can be performed through hand pulse recognition, so that the risk of account stealing is greatly reduced, and the safety of the account is improved. In addition, the payment authentication is performed without using electronic equipment such as a mobile phone in the hand vein payment process, so that even a user who cannot operate the electronic equipment such as the old or the minor can perform the hand vein payment, and the application range of the user is expanded.
[ example 9]
Embodiment 9 of the present application provides a hand pulse payment device, and the difference between embodiment 9 and embodiment 6 is that, compared with embodiment 6, referring to fig. 9, the hand pulse payment device of this embodiment further includes a module 401 and a module 403. The same portions as those in embodiment 6 in this embodiment will not be described again.
The module 401: and the quota granting module.
The quota granting module 401 is configured to allocate a quota to the sub-account by using the primary account.
Specifically, in the case that the primary account has one or more sub-accounts, the quota granting module 401 may allocate quota to the sub-accounts by using the primary account, for example, a per-pen quota or a monthly quota may be set.
A module 402: and an amount inquiry module.
And the amount inquiry module 402 is used for inquiring whether the payment amount exceeds the amount allocated to the sub-account when the to-be-authenticated hand vein feature is matched with the reference sub-hand vein feature.
Specifically, when the to-be-authenticated handpulse feature matches the reference sub-handpulse feature, the authentication result at this time indicates that the current payment user is a sub-user, and the amount query module 402 needs to query the allocated amount of the sub-account, and compare the payment amount included in the payment information with the allocated amount of the user to query whether the payment amount exceeds the allocated amount of the sub-account corresponding to the sub-user.
A module 403: and a quota result judging module.
The limit result determination module 403 is configured to determine that payment is successful when the payment amount does not exceed the limit allocated to the sub-account; or when the payment amount exceeds the allocated amount of the sub account, determining that the payment fails.
It needs to be added additionally that when the fingerprint feature to be authenticated is matched with the reference main fingerprint feature, the authentication result at this time indicates that the current payment user is the main user, and at this time, the payment success is directly judged without inquiring the allocation limit.
Therefore, according to the embodiment of the application, the primary account number can be used for carrying out limit management on the sub-account numbers, so that all the sub-account numbers under the primary account number can be managed more conveniently, and convenience of a user in account number management is improved. The master user can set the sub-account numbers of different sub-users according to needs, so that differentiated management can be achieved more easily.
[ example 10]
The embodiment 10 of the present application provides a handpulse payment device, and referring to fig. 10, the embodiment 10 differs from the embodiment 6 only in that the handpulse payment device of the present embodiment further includes modules 501 and 502.
The module 501: and a prompt selection module.
The prompt selection module 502 is configured to turn on or turn off a payment information prompt of a sub-account under a primary account according to a setting of a primary user.
Specifically, the master user may set according to a requirement of the master user, and the prompt selection module 502 opens or closes a payment information prompt of one or more sub-accounts under the master account according to the user setting.
The module 502: and a prompt sending module.
The prompt sending module 502 is configured to send a payment success message to the master user when the master user starts the payment message prompt and the sub-account number is successfully paid.
Specifically, the prompt sending module 502 sends the payment success information to the master user when the master user selects to start the payment information prompt, and each time the sub-account number is successfully paid. On the contrary, when the master user selects to close the payment information prompt, no matter whether the sub-account is paid successfully or not, no message is sent to the master user.
Therefore, according to the embodiment of the application, the primary account can select whether to obtain the payment records of the sub-accounts, and the using freedom and satisfaction of the user are improved.
The embodiments of the fingerprint payment device of the present application are described above, according to the fingerprint payment device of the present application, the fingerprint data of the master user and the sub-user are respectively associated with the master account and the sub-account created under the master account, so that when payment is performed by using the master account or the sub-account, identity authentication can be realized by recognizing the fingerprints of the master user and the sub-user, and compared with the existing identity authentication mode, the fingerprint payment device of the present application greatly reduces the risk of account theft and improves the security of the account. In addition, the hand pulse payment process only needs to input account information and carry out hand pulse recognition, and is suitable for non-electronic payment scenes without using a mobile phone, so that even the old or the minor who cannot operate the electronic equipment can carry out hand pulse payment, and the application range of the user is expanded. In addition, the sub-accounts can be set by utilizing the primary account, such as quota allocation, consumption prompt and the like, all the sub-accounts under the primary account can be managed more conveniently, and convenience of a user in account management is improved.
Referring to fig. 11, an embodiment of the present application further provides an electronic device 200, where the electronic device 200 includes at least one memory 210, at least one processor 220, and a bus 230 connecting different platform systems.
The memory 210 may include readable media in the form of volatile memory, such as Random Access Memory (RAM)211 and/or cache memory 212, and may further include Read Only Memory (ROM) 213.
The memory 210 further stores a computer program, and the computer program can be executed by the processor 220, so that the processor 220 executes the steps of any one of the methods in the embodiments of the present application, and the specific implementation manner of the method is consistent with the implementation manner and the achieved technical effect described in the embodiments of the method, and some contents are not described again. Memory 210 may also include a program/utility 214 having a set (at least one) of program modules 215, including but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which, or some combination thereof, may comprise an implementation of a network environment.
Accordingly, processor 220 may execute the computer programs described above, as well as may execute programs/utilities 214.
Bus 230 may be a local bus representing one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor, or any other type of bus structure.
The electronic device 200 may also communicate with one or more external devices 240, such as a keyboard, pointing device, Bluetooth device, etc., and may also communicate with one or more devices capable of interacting with the electronic device 200, and/or with any devices (e.g., routers, modems, etc.) that enable the electronic device 200 to communicate with one or more other computing devices. Such communication may occur via an input/output (I/O) interface 250. Also, the electronic device 200 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network such as the Internet) via the network adapter 260. The network adapter 260 may communicate with other modules of the electronic device 200 via the bus 230. It should be appreciated that although not shown in the figures, other hardware and/or software modules may be used in conjunction with the electronic device 200, including but not limited to: microcode, device drivers, redundant processors, external disk drive arrays, RAID systems, tape drives, and data backup storage platforms, to name a few.
The embodiments of the present application further provide a computer-readable storage medium, where the computer-readable storage medium is used to store a computer program, and when the computer program is executed, the steps of any one of the methods in the embodiments of the present application are implemented, and a specific implementation manner of the steps is consistent with the implementation manner and the achieved technical effect described in the embodiments of the methods, and some details are not repeated. Fig. 12 shows a program product 300 provided by the present embodiment for implementing the method, which may employ a portable compact disc read only memory (CD-ROM) and include program codes, and may be run on a terminal device, such as a personal computer. However, the program product 300 of the present invention is not so limited, and in this document, a 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. Program product 300 may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an 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.
A computer readable storage medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable storage medium may also be any readable medium that is not a 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 readable storage medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing. Program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C + + or the like 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 computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).
The foregoing description and drawings are only for purposes of illustrating the preferred embodiments of the present application and are not intended to limit the present application, which is, therefore, to the contrary, the intention is to cover all modifications, equivalents, and alternatives falling within the spirit and scope of the present application.

Claims (18)

1. A method of payment for a hand pulse, the method comprising:
acquiring hand pulse data of a main user and sub-users respectively to be bound with a main account and a sub-account established under the main account respectively;
inputting verification information related to the primary account number aiming at payment information so as to confirm the primary account number as a payment account number; and
and performing hand vein identification on a payment user to identify whether the payment user is the main user or the sub-user corresponding to the payment account.
2. The method of claim 1, wherein the collecting the hand pulse data of the primary user and the secondary user respectively to bind comprises:
acquiring reference main vein data of the main user, and extracting reference main vein features to bind the reference main vein features with the main account;
creating the sub-account under the primary account; and
and acquiring reference sub-hand vein data of the sub-users, and extracting reference sub-hand vein features to bind the reference sub-hand vein features with the sub-account numbers.
3. The method of claim 2,
the primary account number has a plurality of the sub-account numbers.
4. The method of claim 3, wherein the recognizing the hand pulse for the payment user comprises:
collecting the hand vein data to be authenticated of the payment user to extract the hand vein features to be authenticated; and
comparing the fingerprint features to be authenticated with the reference main fingerprint features of the primary account number serving as the payment account number or the reference sub fingerprint features of the sub account number under the primary account number serving as the payment account number.
5. The method of claim 4, wherein the recognizing the hand pulse for the payment user further comprises:
when the hand vein features to be authenticated are matched with the reference main hand vein features or the reference sub-hand vein features, judging that the identification is successful; or
And when the hand vein features to be authenticated are not matched with the reference main hand vein features or the reference sub-hand vein features, judging that the identification is failed, and judging that the payment is failed.
6. The method of claim 5, further comprising:
allocating the quota of the sub account by using the primary account; and
and when the hand vein feature to be authenticated is matched with the reference sub-hand vein feature, inquiring whether the payment amount exceeds the allocated amount of the sub-account number.
7. The method of claim 6, further comprising:
when the payment amount does not exceed the limit allocated by the sub account, judging that the payment is successful; or
And when the payment amount exceeds the limit allocated to the sub account, determining that the payment fails.
8. The method of claim 7, further comprising:
according to the setting of the master user, starting or closing the payment information prompt of the sub-account under the master account; and
and under the condition that the master user starts the payment information prompt, when the sub-account number is successfully paid, the payment success information is sent to the master user.
9. A handpulse payment device, the device comprising:
the account setting module is used for respectively acquiring hand pulse data of a master user and sub-users so as to be respectively bound with a master account and a sub-account established under the master account;
the information verification module is used for inputting verification information related to the primary account number aiming at payment information so as to confirm the primary account number as a payment account number; and
and the hand pulse identification module is used for carrying out hand pulse identification on a payment user so as to identify whether the payment user is the master user or the sub-user corresponding to the payment account.
10. The apparatus of claim 9, wherein the account setting module comprises:
a primary account number binding unit, configured to collect reference primary vein data of the primary user, and extract a reference primary vein feature, so as to bind the reference primary vein feature with the primary account number;
a sub-account creating unit configured to create the sub-account under the primary account; and
and the sub-account binding unit is used for acquiring the reference sub-hand vein data of the sub-user and extracting the reference sub-hand vein features so as to bind the reference sub-hand vein features with the sub-account.
11. The apparatus of claim 10,
the primary account number has a plurality of the sub-account numbers.
12. The apparatus of claim 11, wherein the hand pulse recognition module comprises:
the hand vein feature extraction unit is used for acquiring to-be-authenticated hand vein data of the payment user so as to extract to-be-authenticated hand vein features; and
a hand vein feature comparison unit, configured to compare the hand vein feature to be authenticated with the reference primary hand vein feature of the primary account number serving as the payment account number or the reference sub-hand vein feature of the sub-account number under the primary account number serving as the payment account number.
13. The apparatus of claim 12, wherein the hand pulse recognition module further comprises:
a hand pulse recognition result determination unit for determining that the recognition is successful when the hand pulse feature to be authenticated matches the reference master hand pulse feature or the reference sub-hand pulse feature; or when the hand vein feature to be authenticated is not matched with the reference main hand vein feature or the reference sub-hand vein feature, judging that the identification is failed, and thus failing to pay.
14. The apparatus of claim 13, further comprising:
the line granting module is used for allocating the line of the sub-account by using the primary account; and
and the amount inquiry module is used for inquiring whether the payment amount exceeds the amount allocated to the sub-account when the hand vein feature to be authenticated is matched with the reference sub-hand vein feature.
15. The apparatus of claim 14, further comprising:
the limit result judging module is used for judging that the payment is successful when the payment amount does not exceed the limit allocated by the sub account; or when the payment amount exceeds the limit allocated to the sub account, determining that the payment fails.
16. The apparatus of claim 15, further comprising:
the prompt selection module is used for starting or closing the payment information prompt of the sub-account under the primary account according to the setting of the primary user; and
and the prompt sending module is used for sending the payment success information to the master user when the master user starts the payment information prompt and the sub-account number is successfully paid.
17. An electronic device, characterized in that the electronic device comprises a memory storing a computer program and a processor implementing the steps of the method according to any of claims 1-8 when the processor executes the computer program.
18. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 8.
CN202011635618.7A 2020-12-31 2020-12-31 Hand pulse payment method and device, electronic equipment and storage medium Pending CN112613863A (en)

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* Cited by examiner, † Cited by third party
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US20060064378A1 (en) * 2004-09-21 2006-03-23 Jeff Clementz Method and apparatus for maintaining linked accounts
KR20080101839A (en) * 2008-10-09 2008-11-21 주식회사 비즈모델라인 Method for using corporate card
US20190065585A1 (en) * 2017-08-31 2019-02-28 Yahoo Holdings, Inc. Sub-account management
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