CN112862494A

CN112862494A - Transaction method, device, equipment and storage medium based on face authentication

Info

Publication number: CN112862494A
Application number: CN202110127588.7A
Authority: CN
Inventors: 姚俊杰; 徐立; 陈梦菱; 谢德; 孙斌
Original assignee: Shanghai Sensetime Lingang Intelligent Technology Co Ltd
Current assignee: Shanghai Sensetime Lingang Intelligent Technology Co Ltd
Priority date: 2021-01-29
Filing date: 2021-01-29
Publication date: 2021-05-28

Abstract

Disclosed are a transaction method, apparatus, device and storage medium based on face authentication, the method comprising: receiving a transaction request, wherein the transaction request indicates information to be transacted; responding to the transaction request, and acquiring a face authentication result of a transaction party, wherein the face authentication result contains identity information of the transaction party; and sending the identity information and the information to be transacted to a server so that the server transacts according to the information to be transacted through a virtual account associated with the identity information.

Description

Transaction method, device, equipment and storage medium based on face authentication

Technical Field

The present disclosure relates to the field of payment technologies, and in particular, to a transaction method, apparatus, device, and storage medium based on facial authentication.

Background

Because the face-brushing payment does not need a transaction party to carry any medium for payment, the risk of medium loss is avoided while the payment convenience is improved, and the risk of stealing and brushing the medium by other people is reduced, so the face-brushing payment is applied in various commercial scenes. The current face-brushing payment system aims at a single real currency payment channel, is difficult to integrate with an original payment system, and brings inconvenience on payment operation.

Disclosure of Invention

The disclosed embodiments provide a transaction scheme based on facial authentication.

According to an aspect of the present disclosure, there is provided a face authentication-based transaction method, the method including: receiving a transaction request, wherein the transaction request indicates information to be transacted; responding to the transaction request, and acquiring a face authentication result of a transaction party, wherein the face authentication result contains identity information of the transaction party; and sending the identity information and the information to be transacted to a server so that the server transacts according to the information to be transacted through a virtual account associated with the identity information.

Receiving and displaying to-be-deposited virtual currency information returned by the server in combination with any one of the embodiments provided by the present disclosure, wherein the to-be-deposited virtual currency information is generated according to the level information associated with the identity information of the transaction party and the virtual currency type indicated by the to-be-transacted information; and in response to receiving a first confirmation signal of the information of the virtual money to be deposited, sending a first trigger signal to the server so as to enable the server to set a virtual money balance corresponding to the type of the virtual money to the virtual account according to the information of the virtual money to be deposited.

In combination with any embodiment provided by the present disclosure, in a case that the transaction request includes a pickup request, after the sending the identity information and the information to be transacted to a server, the method further includes: receiving and displaying to-be-received virtual currency information returned by the server, wherein the to-be-received virtual currency information is generated according to the meeting condition of the transaction party on the set condition and the virtual currency type indicated by the to-be-transacted information; and in response to receiving a second confirmation signal of the information of the virtual money to be picked up, sending a second trigger signal to the server so as to enable the server to increase the corresponding amount of the virtual money in the virtual account according to the information of the virtual money to be picked up.

In combination with any embodiment provided by the present disclosure, in a case that the transaction request includes a payment request, after the sending the identity information and the information to be transacted to a server, the method further includes: receiving and displaying virtual currency deduction information returned by the server, wherein the virtual currency deduction information is generated according to balance information of the virtual account and the amount to be paid indicated by the information to be transacted; in response to receiving a third confirmation signal for the virtual currency deduction information, sending a third trigger signal to the server so that the server completes payment according to the virtual currency deduction information.

In combination with any embodiment provided by the present disclosure, the method further comprises: under the condition that the virtual currency deduction information indicates that the virtual account does not meet deduction conditions, outputting prompt information to prompt the transaction party to pay through a signed bank card or a third-party payment mechanism; and responding to the fourth confirmation information of the prompt information, and sending a fourth trigger signal to the server so as to enable the server to complete payment through a bank card or a third-party payment mechanism signed with the transaction party.

In combination with any embodiment provided by the present disclosure, the method further comprises: and after the payment is finished, receiving payment information returned by the server, and displaying the payment information, wherein the payment information comprises at least one item of payment amount, payment details and balance information of the virtual account after the payment is finished.

In combination with any one of the embodiments provided by the present disclosure, in a case that the information to be transacted includes an amount of virtual money to be paid, the virtual money deduction information is generated according to balance information of the virtual account and the amount of virtual money to be paid; and/or, in the case that the information to be transacted includes the amount of real money to be paid, the virtual money deduction information is generated according to the balance information of the virtual account, the amount of real money to be paid, and the conversion relationship between the virtual money and the real money.

According to an aspect of the present disclosure, there is provided a face authentication-based transaction method, the method including: receiving identity information and information to be transacted of a transaction party, wherein the identity information is obtained by performing face authentication on the transaction party, and the information to be transacted is generated according to a transaction request; and carrying out transaction according to the information to be transacted through the virtual account associated with the identity information.

In combination with any one of the embodiments provided by the present disclosure, in a case that the transaction request includes an activation request, the performing a transaction according to the information to be transacted through the virtual account associated with the identity information includes:

generating information of virtual money to be deposited according to the grade information associated with the identity information of the transaction party and the type of the virtual money indicated by the information to be transacted; sending the information of the virtual money to be deposited to a transaction terminal so that the transaction terminal displays the information of the virtual money to be deposited; and in response to receiving a first trigger signal sent by the transaction terminal, setting a virtual currency balance corresponding to the type of the virtual currency to be deposited in the virtual account according to the information of the virtual currency to be deposited, wherein the first trigger signal is generated after the transaction terminal receives a first confirmation signal of the information of the virtual currency to be deposited.

In combination with any one of the embodiments provided by the present disclosure, in a case that the transaction request includes a pickup request, the performing a transaction according to the information to be transacted through the virtual account associated with the identity information includes: generating virtual currency information to be received according to the meeting condition of the transaction party to the set condition and the virtual currency type indicated by the information to be transacted; sending the virtual currency information to be received to a transaction terminal so that the transaction terminal can display the virtual currency information to be received; and in response to receiving a second trigger signal sent by the transaction terminal, adding corresponding virtual currency amount in the virtual account according to the information of the virtual currency to be received, wherein the second trigger signal is generated after the transaction terminal receives a second confirmation signal of the information of the virtual currency to be received.

In combination with any one of the embodiments provided by the present disclosure, in a case that the transaction request includes a payment request, the performing a transaction according to the information to be transacted through the virtual account associated with the identity information includes: generating virtual currency deduction information according to the balance information of the virtual account and the amount to be paid indicated by the information to be transacted; sending the virtual currency deduction information to a transaction terminal so that the transaction terminal can display the virtual currency deduction information; and in response to receiving a third trigger signal sent by the transaction terminal, completing payment according to the virtual currency deduction information, wherein the third trigger signal is generated after the transaction terminal receives a third confirmation signal of the virtual currency deduction information.

In combination with any embodiment provided by the present disclosure, the method further comprises: and in response to receiving a fourth trigger signal sent by the transaction terminal, completing payment through a bank card or a third-party payment mechanism signed with the transaction party, wherein the fourth trigger signal is generated after the transaction terminal receives a fourth confirmation signal of prompt information for payment through the signed bank card or the third-party payment mechanism under the condition that the virtual currency deduction information indicates that a virtual account of the transaction party does not meet a deduction condition.

In combination with any embodiment provided by the present disclosure, the method further comprises: after the payment is finished, sending payment amount and/or payment details to the transaction terminal so as to display on an interface of the transaction terminal; and/or at least one item of the payment amount, the payment details and the balance information of the virtual account after the payment is finished is sent to the mobile terminal used by the transaction party so as to be displayed on a display interface of the mobile terminal.

According to an aspect of the present disclosure, there is provided a face authentication-based transaction apparatus, the apparatus including: a request receiving unit for receiving a transaction request indicating information to be transacted; the acquisition unit is used for responding to the transaction request and acquiring a face authentication result of a transaction party, wherein the face authentication result contains identity information of the transaction party; and the sending unit is used for sending the identity information and the information to be transacted to a server so that the server carries out transaction according to the information to be transacted through a virtual account associated with the identity information.

In combination with any embodiment provided by the present disclosure, the apparatus further includes a first confirming unit, configured to receive and display virtual money information to be deposited returned by the server after the identity information and the information to be transacted are sent to the server when the transaction request includes an activation request, where the virtual money information to be deposited is generated according to level information associated with the identity information of the transaction party and a virtual money type indicated by the information to be transacted; and in response to receiving a first confirmation signal of the information of the virtual money to be deposited, sending a first trigger signal to the server so as to enable the server to set a virtual money balance corresponding to the type of the virtual money to the virtual account according to the information of the virtual money to be deposited.

In combination with any embodiment provided by the present disclosure, the apparatus further includes a second confirming unit, configured to receive and display the to-be-received virtual currency information returned by the server after the identity information and the to-be-transacted information are sent to the server when the transaction request includes a receiving request, where the to-be-received virtual currency information is generated according to a meeting condition of the transaction party on a set condition and a virtual currency type indicated by the to-be-transacted information; and in response to receiving a second confirmation signal of the information of the virtual money to be picked up, sending a second trigger signal to the server so as to enable the server to increase the corresponding amount of the virtual money in the virtual account according to the information of the virtual money to be picked up.

In combination with any embodiment provided by the present disclosure, the apparatus further includes a third confirming unit, configured to receive and display virtual currency deduction information returned by the server after the identity information and the to-be-transacted information are sent to the server when the transaction request includes a payment request, where the virtual currency deduction information is generated according to balance information of the virtual account and a to-be-paid amount indicated by the to-be-transacted information; in response to receiving a third confirmation signal for the virtual currency deduction information, sending a third trigger signal to the server so that the server completes payment according to the virtual currency deduction information.

In combination with any one of the embodiments provided by the present disclosure, the apparatus further includes a fourth confirming unit, configured to output prompt information to prompt the transaction party to pay through a signed bank card or a third-party payment mechanism, when the virtual currency deduction information indicates that the virtual account does not satisfy the deduction condition; and responding to the fourth confirmation information of the prompt information, and sending a fourth trigger signal to the server so as to enable the server to complete payment through a bank card or a third-party payment mechanism signed with the transaction party.

In combination with any one of the embodiments provided by the present disclosure, the apparatus further includes a display unit, configured to receive and display payment information returned by the server after payment is completed, where the payment information includes at least one of a payment amount, payment details, and balance information of the virtual account after payment is completed.

According to an aspect of the present disclosure, there is provided a face authentication-based transaction apparatus, the apparatus including: the information receiving unit is used for receiving identity information of a trading party and information to be traded, wherein the identity information is obtained by performing face authentication on the trading party, and the information to be traded is generated according to a trading request; and the transaction unit is used for performing transaction according to the information to be transacted through the virtual account associated with the identity information.

In combination with any one of the embodiments provided by the present disclosure, the apparatus further includes a first transaction unit, configured to generate information of virtual money to be deposited according to the level information associated with the identity information of the transaction party and the type of virtual money indicated by the information of virtual money to be transacted; sending the information of the virtual money to be deposited to a transaction terminal so that the transaction terminal displays the information of the virtual money to be deposited; and in response to receiving a first trigger signal sent by the transaction terminal, setting a virtual currency balance corresponding to the type of the virtual currency to be deposited in the virtual account according to the information of the virtual currency to be deposited, wherein the first trigger signal is generated after the transaction terminal receives a first confirmation signal of the information of the virtual currency to be deposited.

In combination with any embodiment provided by the present disclosure, the apparatus further includes a second transaction unit, configured to generate to-be-received virtual currency information according to a satisfaction condition of the transaction party on a set condition and a virtual currency type indicated by the to-be-transacted information; sending the virtual currency information to be received to a transaction terminal so that the transaction terminal can display the virtual currency information to be received; and in response to receiving a second trigger signal sent by the transaction terminal, adding corresponding virtual currency amount in the virtual account according to the information of the virtual currency to be received, wherein the second trigger signal is generated after the transaction terminal receives a second confirmation signal of the information of the virtual currency to be received.

In combination with any one of the embodiments provided by the present disclosure, the apparatus further includes a third transaction unit, configured to generate virtual currency deduction information according to the balance information of the virtual account and the amount to be paid indicated by the information to be transacted; sending the virtual currency deduction information to a transaction terminal so that the transaction terminal can display the virtual currency deduction information; and in response to receiving a third trigger signal sent by the transaction terminal, completing payment according to the virtual currency deduction information, wherein the third trigger signal is generated after the transaction terminal receives a third confirmation signal of the virtual currency deduction information.

In combination with any one of the embodiments provided by the present disclosure, the apparatus further includes a fourth transaction unit, configured to complete payment through a bank card or a third-party payment mechanism signed with the transaction party in response to receiving a fourth trigger signal sent by the transaction terminal, where the fourth trigger signal is generated after the transaction terminal receives a fourth confirmation signal of prompt information for payment through the signed bank card or the third-party payment mechanism, where the virtual currency deduction information indicates that a virtual account of the transaction party does not satisfy a deduction condition.

In combination with any one of the embodiments provided by the present disclosure, the apparatus further includes a first display unit, configured to send a payment amount and/or a payment specification to the transaction terminal after completing payment, so as to display on an interface of the transaction terminal; and/or the second display unit is used for sending at least one of payment amount, payment details and balance information of the virtual account after payment is completed to the mobile terminal used by the transaction party so as to display the balance information on a display interface of the mobile terminal.

According to an aspect of the present disclosure, there is provided an electronic device comprising a memory for storing computer instructions executable on a processor, the processor for implementing a facial authentication-based transaction method according to any one of the embodiments of the present disclosure when executing the computer instructions.

According to an aspect of the present disclosure, there is provided a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements a face authentication-based transaction method according to any one of the embodiments of the present disclosure.

According to the transaction method, the transaction device, the transaction equipment and the transaction storage medium based on the face authentication, the face authentication result of a transaction party is obtained by receiving the transaction request triggering, the identity information and the transaction information in the face authentication result are sent to the server, so that the server determines the virtual account associated with the identity information, the transaction is carried out according to the transaction information through the virtual account, the identity authentication is completed through the face authentication, the transaction is carried out through the associated virtual account at the server, the interaction process is safe and convenient, the use of cash/credit cards is reduced, the phenomena of embezzlement, error account and the like are avoided, and the transaction safety is improved; and the integration of a seller virtual account system and a face authentication system is realized, and the transaction convenience is improved.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present specification and together with the description, serve to explain the principles of the specification.

FIG. 1 is a flow chart illustrating a method of transaction to face-based authentication in accordance with an embodiment of the present disclosure;

fig. 2 is a schematic diagram illustrating a face authentication-based activation method according to an embodiment of the disclosure;

fig. 3 is a schematic diagram illustrating another face authentication-based claiming method according to an embodiment of the disclosure;

fig. 4 is a schematic diagram illustrating yet another payment method based on facial authentication according to an embodiment of the present disclosure;

fig. 5 is a schematic diagram illustrating a face authentication-based point payment method according to an embodiment of the disclosure;

fig. 6 is a flowchart of another transaction method based on facial authentication according to an embodiment of the present disclosure;

fig. 7 is a schematic structural diagram of a transaction device based on facial authentication according to an embodiment of the present disclosure;

fig. 8 is a schematic structural diagram of another transaction device based on facial authentication according to an embodiment of the present disclosure;

fig. 9 is a block diagram of an information processing apparatus shown in an embodiment of the present disclosure.

Detailed Description

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the exemplary embodiments below are not intended to represent all implementations consistent with the present disclosure. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present disclosure, as detailed in the appended claims.

Fig. 1 is a flowchart of a transaction method based on facial authentication according to an embodiment of the present disclosure, where an execution subject of the method may be a transaction terminal, such as a cash register, a Point of Sale (POS), a self-service cash dispenser, a self-service payment machine, and the like. As shown in FIG. 1, the method may include steps 101-103.

In step 101, a transaction request is received, the transaction request indicating information to be transacted.

The transaction request may be initiated by the transaction party through an interactive interface of the transaction terminal, for example, in a case that a transaction scenario is a cash receiving scenario, the transaction request may be initiated by the cash receiving party through a cash register or a POS, and in a case that the transaction scenario is a payment scenario, the transaction request may be initiated by the payment party through a self-service payment machine. The transaction request may be used to indicate information to be transacted, which is associated with a particular type of the transaction request.

In step 102, a face authentication result of the transaction party is obtained in response to the transaction request.

And under the condition of receiving the transaction request, acquiring a face authentication result of the transaction party, wherein the face authentication result comprises the identity information of the transaction party.

In some embodiments, the transaction terminal is integrated with a face authentication device, such as a face brushing device, i.e. the transaction terminal has a face authentication function. For example, the transaction terminal may capture a face of a transaction party to obtain face information of the transaction party, where the face information may be a face image of the transaction party or a face feature extracted from the face image of the transaction party and used for verifying an identity of the transaction party, and the face authentication result may be obtained through a correspondence between the face information and the identity information, that is, the identity information of the transaction party is obtained.

In some embodiments, the transaction terminal may be communicatively coupled to the facial authentication device, and the communication coupling may be a wired connection or a wireless connection. In a case where the transaction request is received, the transaction terminal may transmit a face authentication trigger signal to the face authentication device to cause the face authentication device to perform face authentication on a transaction party, and may receive a face authentication result of the transaction party from the face authentication device. The way of the face authentication performed by the face authentication device is as described above, and is not described herein again.

For an enterprise employee system or a store member system, the face information can be input and the face information and the identity information can be bound when employees enter the office or members register. The identity authentication of the enterprise member or the store member can be completed through the transaction terminal or the face authentication device with the face authentication function.

In one example, the binding of the identity information and the entry of the face information can be performed through a mobile terminal such as a mobile phone, a tablet computer, and the like, for example, through an APP, and the mobile terminal information is simultaneously bound with the identity information.

In step 103, the identity information and the information to be transacted are sent to a server, so that the server performs a transaction according to the information to be transacted through a virtual account associated with the identity information.

In the embodiment of the present disclosure, the server is, for example, a cloud server. By associating the identity information with the virtual account, the server can determine the virtual account corresponding to the transaction party according to the received identity information of the transaction party, and perform transaction according to the information to be transacted through the virtual account.

The transaction method based on the facial authentication provided by the embodiment of the disclosure can be used for offline payment scenes of various enterprises and public institutions, member stores and convenience stores, such as canteens, sales stores, vending machines and the like in the enterprises and public institutions. For an enterprise-utility employee system, the virtual account may be an employee's employee card, and the virtual currency in the employee card may include virtual currency circulating in the enterprise employee system, such as canteen tokens, credits, and the like; for a membership system store, convenience store membership system, the virtual account may be a loyalty card for a store or convenience store member, and the virtual currency in the loyalty card may include member points, tokens, and the like. Those skilled in the art will appreciate that the virtual account may also comprise other types of accounts, and the present disclosure is not limited thereto.

The transaction via the virtual account includes the application of virtual currency in the virtual account, such as the drawing of virtual currency, the payment using virtual currency, and the like.

In the embodiment of the disclosure, the face authentication result of a transaction party is triggered and obtained by receiving a transaction request, and the identity information and the information to be transacted in the face authentication result are sent to the server, so that the server determines the virtual account associated with the identity information, performs the transaction according to the information to be transacted through the virtual account, completes the identity authentication through performing the face authentication, and performs the transaction through the associated virtual account in the server, the interaction process is safe and convenient, the use of cash/credit cards is reduced, the phenomena of embezzlement, wrong account and the like are avoided, and the security of the transaction is improved; and the integration of a virtual account system and a face authentication system is realized, and the convenience of transaction is improved.

In some embodiments, the facial authentication-based transaction method includes activation of a virtual account. Under the condition that the transaction scene is the activation scene of the virtual account, the transaction terminal is a terminal which can be operated by staff or members in a self-service manner, such as a self-service cash dispenser or a self-service payment machine; the transaction request includes an activation request indicating a virtual currency type in a virtual account requesting activation. Before the activation is not performed, the virtual account or one of the virtual money types in the virtual account may be empty, and the virtual money of the corresponding type is deposited after the activation. For example, for an employee card of a newly registered/newly enrolled employee in an enterprise-utility-unit employee hierarchy, or a loyalty card of a new member in a member-system store, convenience-store member hierarchy, the credit or token amount in the card is empty before activation. The server stores the grade corresponding to the identity information of the transaction party in the transaction system and the amount of the virtual money to be deposited corresponding to the grade. For example, the server stores a base score corresponding to the rating of the new registered/new employee/new member.

After the identity information acquired based on the trigger of the activation request and the information to be transacted are sent to the server, the server generates information of virtual money to be deposited according to the grade information associated with the identity information of the transaction party and the type of the virtual money indicated by the information to be transacted, and sends the information of the virtual money to be deposited to the transaction terminal.

And the transaction terminal receives the information of the virtual currency to be deposited returned by the server, and the information is displayed to the transaction party on a display interface of the transaction terminal. The transaction party can input a first confirmation signal for the virtual information to be stored through an interactive interface of the transaction terminal.

In response to receiving a first confirmation signal of the information of the virtual money to be deposited, the transaction terminal sends a first trigger signal to the server, so that the server sets a virtual money balance corresponding to the type of the virtual money to the virtual account according to the information of the virtual money to be deposited, and activation of the virtual account is achieved.

Fig. 2 is a schematic diagram illustrating an activation method based on face authentication according to an embodiment of the present disclosure. As shown in fig. 2, the transaction terminal receives an activation request, step 201, indicating the type of virtual currency requested for activation, e.g. requesting activation of a credit account in a virtual account. In response to the transaction terminal receiving the activation request, the transaction terminal retrieves a facial authentication result of the transaction party, the facial authentication result including identity information of the transaction party, as in step 202. Next, in step 203, the transaction terminal sends the identity information of the transaction party and the activated virtual currency type to the server. The server acquires the level information associated with the identity information according to the stored level information (step 204), and generates virtual currency information to be deposited according to the level information and the virtual currency type information requested to be activated (step 205). The server sends the information of the virtual currency to be deposited to the transaction terminal and displays the information to the transaction party on the interactive interface/display interface of the transaction terminal, in step 206. The transaction part confirms the information of the virtual currency to be deposited and inputs a first confirmation signal on an interactive interface of the transaction terminal (step 207). In response to the first confirmation signal, the transaction terminal sends a first trigger signal to the server side (step 208). After receiving the first trigger signal, the server sets a balance of virtual money corresponding to the type of virtual money for the virtual account according to the information of virtual money to be deposited, in step 209.

In the embodiment of the disclosure, the activation request is sent to the server, and the information of the virtual currency to be stored returned by the server is confirmed, so that the server sets the virtual currency balance corresponding to the virtual currency type in the virtual account associated with the identity information of the transaction party requesting activation, the transaction party activates the virtual account through face authentication, and the self-service operation of employees or members is facilitated. And because the transaction party needs to deposit the corresponding type of virtual money in the virtual account through face authentication, the idle rate of the virtual account is reduced.

In some embodiments, the facial authentication-based transaction method includes the drawing of virtual currency in a virtual account. Under the condition that the transaction scene is the virtual currency getting scene, the transaction terminal is a terminal which can be operated by staff or members in a self-service manner, such as a self-service cash dispenser or a self-service payment machine; the transaction request includes a pickup request indicating a type of virtual currency in a virtual account requesting pickup.

The server stores the set conditions for receiving the virtual money in the transaction system and the amount of the virtual money to be received corresponding to the set conditions. For example, old employees in the enterprise unit employee system or old members in the member store or convenience store member system can receive a certain new amount of money by face authentication when the set conditions are satisfied. For example, when the registration time meets a set deadline, a certain amount of bonus points can be received. For example, weekly/monthly/annual reward points may be earned through face authentication.

After the identity information acquired by triggering based on the getting request and the information to be traded are sent to the server, the server judges whether the party requesting to get the transaction meets the set conditions or not according to the identity information, generates the information of the virtual money to be got, and sends the information of the virtual money to be got to the trading terminal.

And the transaction terminal receives the information of the virtual currency to be received returned by the server, and the information is displayed to the transaction party on a display interface of the transaction terminal. And the transaction party can input a second confirmation signal for the virtual information to be received through an interactive interface of the transaction terminal.

And in response to receiving a second confirmation signal of the information of the virtual money to be received, the transaction terminal sends a second trigger signal to the server so that the server adds corresponding virtual money amount to the virtual account according to the information of the virtual money to be received. And under the condition that the information of the virtual currency to be received is a new amount, the new amount can also cover the original amount.

Fig. 3 is a schematic diagram illustrating a face authentication-based claiming method according to an embodiment of the present disclosure. As shown in fig. 3, the transaction terminal receives a collect request, step 301, indicating the type of virtual currency requested to be collected, e.g. requesting to collect points in a virtual account. In response to the transaction terminal receiving the pickup request, the transaction terminal picks up a face authentication result of the transaction party, the face authentication result including identity information of the transaction party, as in step 302. Next, in step 303, the transaction terminal sends the identity information of the transaction party and the type of the virtual currency to be drawn to the server. The server determines the satisfaction of the transaction party to the set conditions according to the identity information of the transaction party, determines whether the transaction party meets the condition of drawing the week/month/year reward points according to the virtual account activation time of the transaction party as in step 304, and generates the virtual money information to be drawn according to the satisfaction and the virtual money type information requested to be drawn (step 305). The server sends the information of the virtual currency to be picked up to the transaction terminal, and displays the information to the transaction party on the interactive interface/display interface of the transaction terminal, as in step 306. And the transaction party confirms the information of the virtual currency to be received and inputs a second confirmation signal on an interactive interface of the transaction terminal (step 307). In response to the second confirmation signal, the transaction terminal sends a second trigger signal to the server (step 308). After receiving the second trigger signal, the server adds the corresponding amount of virtual money to the virtual account according to the information of the virtual money to be received, in step 309.

In the embodiment of the disclosure, the server adds corresponding virtual currency amount in the virtual account associated with the identity information of the transaction party requesting to be received by sending the receiving request to the server and confirming the to-be-received virtual currency information returned by the server, so that the transaction party receives new amount through face authentication, and the employee or member can receive rewards and benefits by self.

In some embodiments, the facial authentication-based transaction method includes making a payment through a virtual account. In the case that the transaction scenario is payment, the transaction request is input by the payer through a transaction terminal, such as a self-service payment machine; in the case that the transaction scenario is cash collection, the transaction request is input by the payee through a transaction terminal, such as a cash register, a POS, or other cash collection terminal. In a payment scenario, the transaction request includes a payment request indicating an amount to be paid.

After the identity information acquired based on the triggering of the payment request and the information to be transacted are sent to the server, the server determines a virtual account corresponding to the identity information and generates virtual currency deduction information according to balance information of the virtual account and the amount to be paid indicated by the information to be transacted.

And when the information to be transacted comprises the amount of the virtual money to be paid, generating the virtual money deduction information according to the balance information of the virtual account and the amount of the virtual money to be paid. For example, in the case that the payee inputs a credit to be paid on the interactive interface of the cash register terminal, the virtual currency deduction information is generated according to the credit balance of the virtual account and the credit to be paid.

And when the information to be transacted comprises the amount of the real money to be paid, the virtual money deduction information is generated according to the balance information of the virtual account, the amount of the real money to be paid and the conversion relation between the virtual money and the real money. For example, in a case that the payee inputs the amount of the real money to be paid on the interactive interface of the cash register terminal, the amount of the virtual money to be paid may be determined according to the amount of the real money to be paid and the conversion relationship between the virtual money and the real money, and the virtual money deduction information may be generated according to the balance information of the virtual account and the determined amount of the virtual money to be paid.

And the transaction terminal receives the virtual currency deduction information returned by the server, and the virtual currency deduction information is displayed to the transaction party on a display interface of the transaction terminal. And the transaction party can input a third confirmation signal for the virtual information to be received through an interactive interface of the transaction terminal.

In response to receiving a third confirmation signal for the virtual currency deduction information, the transaction terminal sends a third trigger signal to the server so that the server completes payment according to the virtual currency deduction information.

Fig. 4 is a schematic diagram illustrating a payment method based on facial authentication according to an embodiment of the present disclosure. As shown in fig. 4, the cash register terminal receives a payment request, as in step 401, indicating an amount to be paid, including an amount of virtual currency to be paid or an amount of real currency to be paid. In response to the cashier terminal receiving the payment request, the cashier terminal takes a face authentication result of the payer, the face authentication result containing identity information of the payer, as in step 402. Next, in step 403, the cashier terminal sends the identity information of the payer and the amount to be paid to the server. The server determines a virtual account corresponding to the payer according to the binding relationship between the identity information and the virtual account, in step 404, and generates virtual currency deduction information according to the balance information of the virtual account and the amount to be paid indicated by the information to be transacted (step 405). The server sends the virtual currency deduction information to the cash register terminal and displays the information to the payer on an interactive interface/display interface of the cash register terminal, as in step 406. The payer confirms the virtual currency deduction information and inputs a third confirmation signal on the interactive interface of the cash register terminal (step 407). In response to the third confirmation signal, the cashier terminal sends a third trigger signal to the server side (step 408). After receiving the third trigger signal, the server completes payment through the virtual account according to the virtual currency deduction information, in step 409.

In the embodiment of the disclosure, the payment request is sent to the server, and the deduction information of the virtual currency returned by the server is confirmed, so that the server finishes payment through the virtual account according to the deduction information of the virtual currency, a payer can realize payment through the virtual account according to facial authentication, the use of cash/credit cards is reduced, phenomena of embezzlement, error account and the like are avoided, and the payment safety is improved; and the integration of a virtual account system, a member system and a face authentication system is realized, and the payment convenience is improved.

And under the condition that the virtual currency deduction information indicates that the virtual account does not meet the deduction condition, the conditions include that the balance of the virtual account is insufficient, the account is abnormal, the virtual account does not have payment authority and the like, the balance of the virtual account is insufficient, for example, the balance of the virtual account is insufficient for payment, the amount available for payment in the virtual account is insufficient for payment, or the amount to be paid currently exceeds the upper payment limit of the virtual currency and the like, prompt information is output on an interactive interface of the cash register terminal to prompt a payer whether to pay through a signed bank card or a third-party payment mechanism.

In response to receiving the fourth confirmation information of the prompt information, that is, the payer confirms that the payment is performed through the signed bank card or the third-party payment mechanism, the cash register terminal sends a fourth trigger signal to the server, so that the server completes the payment through the bank card or the third-party payment mechanism signed with the payer.

In one example, the subscription of the debit card and/or third party payment authority agreement may be accomplished through the mobile terminal, for example through the APP.

The transaction method based on the face authentication provided by the embodiment of the disclosure supports the transactions of real money based on the face authentication of a plurality of channels, and reduces the hardware investment on the cash register terminal; the face authentication is used for simultaneously realizing the payment of the virtual currency and the payment of the real currency, and realizing the combined payment of the virtual currency and the real currency, thereby improving the payment convenience.

In some embodiments, after the payment is completed, the cash register terminal receives payment information returned by the server, and displays the payment information on a display interface of the cash register terminal, where the payment information includes at least one of a payment amount, payment details, and balance information of the virtual account after the payment is completed.

Fig. 5 is a schematic diagram illustrating a face authentication-based point payment method according to an embodiment of the present disclosure. As shown in fig. 5, the cash register terminal receives a credit payment request, which indicates the amount of credit to be paid, as in step 501. In response to the credit payment request, the cashier terminal sends a face authentication trigger signal to the face authentication device, as in step 502. After receiving the face authentication trigger signal, the face authentication device performs face authentication on the payer, and obtains a face authentication result, where the face authentication result includes identity information of the payer, as in step 503. The face authentication device sends the face authentication result to the cashier terminal (as in step 504), and the cashier terminal sends the identity information of the payer and the credit amount to be paid to a server (as in step 505). The server determines a virtual account associated with the payer according to the identity information of the payer (step 506), and deducts the credit to be paid from the credit balance of the virtual account to complete credit payment.

Fig. 6 is a flowchart of a transaction method based on facial authentication according to an embodiment of the present disclosure, where an execution subject of the method may be a server, such as a cloud server. As shown in FIG. 6, the method can include steps 601-602.

In step 601, identity information of a transaction party and information to be transacted are received.

The identity information is obtained by performing face authentication on the transaction party, and the face authentication mode refers to the mode in step 102, which is not described herein again; the information to be transacted is generated according to the transaction request.

In step 602, a transaction is performed according to the information to be transacted through the virtual account associated with the identity information.

By associating the identity information with the virtual account, the server can determine the virtual account corresponding to the transaction party according to the received identity information of the transaction party, and pay the payment amount indicated by the information to be transacted through the virtual account.

In the embodiment of the disclosure, by receiving the identity information and the information to be transacted of the transaction party, determining the virtual account associated with the transaction party according to the identity information, and performing payment according to the information to be transacted through the virtual account, by establishing the association relationship between the identity information and the virtual account, and obtaining the identity information of the transaction party through facial authentication, the virtual account of the transaction party can be called through the facial authentication for payment, so that the use of cash/credit cards is reduced, phenomena of embezzlement, wrong account and the like are avoided, and the payment safety is improved; and the integration of a virtual account system, a member system and a face authentication system is realized, and the payment convenience is improved.

In some embodiments, in a case that the transaction request includes an activation request, the conducting a transaction according to the information to be transacted through the virtual account associated with the identity information includes: generating information of virtual money to be deposited according to the grade information associated with the identity information of the transaction party and the type of the virtual money indicated by the information to be transacted; sending the information of the virtual money to be deposited to a transaction terminal so that the transaction terminal displays the information of the virtual money to be deposited; and in response to receiving a first trigger signal sent by the transaction terminal, setting a virtual currency balance corresponding to the type of the virtual currency to be deposited in the virtual account according to the information of the virtual currency to be deposited, wherein the first trigger signal is generated after the transaction terminal receives a first confirmation signal of the information of the virtual currency to be deposited.

In some embodiments, in a case that the transaction request includes a pickup request, the conducting a transaction according to the information to be transacted through the virtual account associated with the identity information includes: generating virtual currency information to be received according to the meeting condition of the transaction party to the set condition and the virtual currency type indicated by the information to be transacted; sending the virtual currency information to be received to a transaction terminal so that the transaction terminal can display the virtual currency information to be received; and in response to receiving a second trigger signal sent by the transaction terminal, adding corresponding virtual currency amount in the virtual account according to the information of the virtual currency to be received, wherein the second trigger signal is generated after the transaction terminal receives a second confirmation signal of the information of the virtual currency to be received.

In some embodiments, in a case where the transaction request includes a payment request, the conducting a transaction according to the information to be transacted through the virtual account associated with the identity information includes: generating virtual currency deduction information according to the balance information of the virtual account and the amount to be paid indicated by the information to be transacted; sending the virtual currency deduction information to a transaction terminal so that the transaction terminal can display the virtual currency deduction information; and in response to receiving a third trigger signal sent by the transaction terminal, completing payment according to the virtual currency deduction information, wherein the third trigger signal is generated after the transaction terminal receives a third confirmation signal of the virtual currency deduction information.

In some embodiments, in response to receiving a fourth trigger signal sent by the transaction terminal, completing payment through a bank card or a third-party payment mechanism signed with the transaction party, wherein the fourth trigger signal is generated after the transaction terminal receives a fourth confirmation signal of prompt information for payment through the signed bank card or the third-party payment mechanism, in a case that the virtual currency deduction information indicates that a virtual account of the transaction party does not satisfy a deduction condition.

In some embodiments, after completing payment, sending the payment amount and/or payment details to the transaction terminal for display on an interface of the transaction terminal; and/or at least one item of the payment amount, the payment details and the balance information of the virtual account after the payment is finished is sent to the mobile terminal used by the transaction party so as to be displayed on a display interface of the mobile terminal.

In some embodiments, in a case where the information to be transacted includes an amount of virtual money to be paid, the virtual money deduction information is generated from balance information of the virtual account and the amount of virtual money to be paid; and/or, in the case that the information to be transacted includes the amount of real money to be paid, the virtual money deduction information is generated according to the balance information of the virtual account, the amount of real money to be paid, and the conversion relationship between the virtual money and the real money.

Fig. 7 is a facial authentication-based transaction apparatus according to at least one embodiment of the present disclosure, and as shown in fig. 7, the apparatus may include: a request receiving unit 701, configured to receive a transaction request, where the transaction request indicates information to be transacted; an obtaining unit 702, configured to obtain, in response to the transaction request, a facial authentication result of a transaction party, where the facial authentication result includes identity information of the transaction party; a sending unit 703, configured to send the identity information and the information to be transacted to a server, so that the server performs a transaction according to the information to be transacted through a virtual account associated with the identity information.

In some embodiments, the apparatus further includes a first confirming unit, configured to receive and display virtual money information to be deposited returned by the server after the identity information and the information to be transacted are sent to the server when the transaction request includes an activation request, where the virtual money information to be deposited is generated according to level information associated with the identity information of the transaction party and a virtual money type indicated by the information to be transacted; and in response to receiving a first confirmation signal of the information of the virtual money to be deposited, sending a first trigger signal to the server so as to enable the server to set a virtual money balance corresponding to the type of the virtual money to the virtual account according to the information of the virtual money to be deposited.

In some embodiments, the apparatus further includes a second confirming unit, configured to receive and display virtual currency information to be collected returned by the server after the identity information and the information to be traded are sent to the server when the transaction request includes a collection request, where the virtual currency information to be collected is generated according to a satisfaction condition of the transaction party on a set condition and a virtual currency type indicated by the information to be traded; and in response to receiving a second confirmation signal of the information of the virtual money to be picked up, sending a second trigger signal to the server so as to enable the server to increase the corresponding amount of the virtual money in the virtual account according to the information of the virtual money to be picked up.

In some embodiments, the apparatus further includes a third confirming unit, configured to receive and display virtual currency deduction information returned by the server after the identity information and the to-be-transacted information are sent to the server when the transaction request includes a payment request, where the virtual currency deduction information is generated according to balance information of the virtual account and an amount to be paid indicated by the to-be-transacted information; in response to receiving a third confirmation signal for the virtual currency deduction information, sending a third trigger signal to the server so that the server completes payment according to the virtual currency deduction information.

In some embodiments, the apparatus further includes a fourth confirming unit, configured to output prompt information to prompt the transaction party to pay through a signed bank card or a third-party payment mechanism if the virtual currency deduction information indicates that the virtual account does not satisfy a deduction condition; and responding to the fourth confirmation information of the prompt information, and sending a fourth trigger signal to the server so as to enable the server to complete payment through a bank card or a third-party payment mechanism signed with the transaction party.

In some embodiments, the apparatus further includes a display unit, configured to receive and display payment information returned by the server after payment is completed, where the payment information includes at least one of a payment amount, payment details, and balance information of the virtual account after payment is completed.

Fig. 8 is a facial authentication-based transaction apparatus according to at least one embodiment of the present disclosure, and as shown in fig. 8, the apparatus may include: an information receiving unit 801, configured to receive identity information of a transaction party and information to be transacted, where the identity information is obtained by performing facial authentication on the transaction party, and the information to be transacted is generated according to a transaction request; a transaction unit 802, configured to perform a transaction according to the information to be transacted through a virtual account associated with the identity information.

In some embodiments, the apparatus further comprises a first transaction unit configured to generate information of virtual money to be deposited according to the level information associated with the identity information of the transaction party and the type of virtual money indicated by the information of virtual money to be transacted; sending the information of the virtual money to be deposited to a transaction terminal so that the transaction terminal displays the information of the virtual money to be deposited; and in response to receiving a first trigger signal sent by the transaction terminal, setting a virtual currency balance corresponding to the type of the virtual currency to be deposited in the virtual account according to the information of the virtual currency to be deposited, wherein the first trigger signal is generated after the transaction terminal receives a first confirmation signal of the information of the virtual currency to be deposited.

In some embodiments, the apparatus further includes a second transaction unit, configured to generate to-be-received virtual currency information according to satisfaction of the transaction party on a set condition and a virtual currency type indicated by the to-be-transacted information; sending the virtual currency information to be received to a transaction terminal so that the transaction terminal can display the virtual currency information to be received; and in response to receiving a second trigger signal sent by the transaction terminal, adding corresponding virtual currency amount in the virtual account according to the information of the virtual currency to be received, wherein the second trigger signal is generated after the transaction terminal receives a second confirmation signal of the information of the virtual currency to be received.

In some embodiments, the apparatus further includes a third transaction unit configured to generate virtual currency deduction information according to the balance information of the virtual account and the amount to be paid indicated by the information to be transacted; sending the virtual currency deduction information to a transaction terminal so that the transaction terminal can display the virtual currency deduction information; and in response to receiving a third trigger signal sent by the transaction terminal, completing payment according to the virtual currency deduction information, wherein the third trigger signal is generated after the transaction terminal receives a third confirmation signal of the virtual currency deduction information.

In some embodiments, the apparatus further includes a fourth transaction unit, configured to complete payment through a bank card or a third-party payment mechanism signed with the transaction party in response to receiving a fourth trigger signal sent by the transaction terminal, where the fourth trigger signal is generated after the transaction terminal receives a fourth confirmation signal of prompt information for payment through the signed bank card or the third-party payment mechanism, where the virtual currency deduction information indicates that a virtual account of the transaction party does not satisfy a deduction condition.

In some embodiments, the device further comprises a first display unit, configured to send the payment amount and/or the payment details to the transaction terminal for display on an interface of the transaction terminal after completing the payment; and/or the second display unit is used for sending at least one of payment amount, payment details and balance information of the virtual account after payment is completed to the mobile terminal used by the transaction party so as to display the balance information on a display interface of the mobile terminal.

With the electronic device provided by the embodiment of the disclosure, the service life of the electronic device can be controlled through the license file, and when the device is used for exceeding the service life, if the license file is not updated, the electronic device cannot be used continuously.

Fig. 9 is an electronic device provided in at least one embodiment of the present disclosure, and the electronic device includes a memory for storing computer instructions executable on a processor, and the processor is configured to implement the facial authentication-based transaction method applied to a server according to any one of the embodiments of the present description when executing the computer instructions.

At least one embodiment of the present specification also provides a computer-readable storage medium on which a computer program is stored, the program, when executed by a processor, implementing the facial authentication-based transaction method applied to a server according to any one of the embodiments of the present specification.

As will be appreciated by one skilled in the art, one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, one or more embodiments of the present description 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 embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the data processing apparatus embodiment, since it is substantially similar to the method embodiment, the description is relatively simple, and for the relevant points, reference may be made to part of the description of the method embodiment.

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

Embodiments of the subject matter and the functional operations described in this specification can be implemented in: digital electronic circuitry, tangibly embodied computer software or firmware, computer hardware including the structures disclosed in this specification and their structural equivalents, or a combination of one or more of them. Embodiments of the subject matter described in this specification can be implemented as one or more computer programs, i.e., one or more modules of computer program instructions, encoded on a tangible, non-transitory program carrier for execution by, or to control the operation of, data processing apparatus. Alternatively or additionally, the program instructions may be encoded on an artificially generated propagated signal, e.g., a machine-generated electrical, optical, or electromagnetic signal, that is generated to encode and transmit information to suitable receiver apparatus for execution by the data processing apparatus. The computer storage medium may be a machine-readable storage device, a machine-readable storage substrate, a random or serial access memory device, or a combination of one or more of them.

The processes and logic flows described in this specification can be performed by one or more programmable computers executing one or more computer programs to perform corresponding functions by operating on input data and generating output. The processes and logic flows can also be performed by, and apparatus can also be implemented as, special purpose logic circuitry, e.g., an FPGA (field programmable gate array) or an ASIC (application-specific integrated circuit).

Computers suitable for executing computer programs include, for example, general and/or special purpose microprocessors, or any other type of central processing unit. Generally, a central processing unit will receive instructions and data from a read-only memory and/or a random access memory. The basic components of a computer include a central processing unit for implementing or executing instructions and one or more memory devices for storing instructions and data. Generally, a computer will also include, or be operatively coupled to receive data from or transfer data to, or both, one or more mass storage devices for storing data, e.g., magnetic, magneto-optical disks, or optical disks. However, a computer does not necessarily have such a device. Moreover, a computer may be embedded in another device, e.g., a mobile telephone, a Personal Digital Assistant (PDA), a mobile audio or video player, a game console, a Global Positioning System (GPS) receiver, or a portable storage device such as a Universal Serial Bus (USB) flash drive, to name a few.

Computer-readable media suitable for storing computer program instructions and data include all forms of non-volatile memory, media and memory devices, including by way of example semiconductor memory devices (e.g., EPROM, EEPROM, and flash memory devices), magnetic disks (e.g., an internal hard disk or a removable disk), magneto-optical disks, and CD ROM and DVD-ROM disks. The processor and the memory can be supplemented by, or incorporated in, special purpose logic circuitry.

While this specification contains many specific implementation details, these should not be construed as limitations on the scope of any invention or of what may be claimed, but rather as descriptions of features specific to particular embodiments of particular inventions. Certain features that are described in this specification in the context of separate embodiments can also be implemented in combination in a single embodiment. In other instances, features described in connection with one embodiment may be implemented as discrete components or in any suitable subcombination. Moreover, although features may be described above as acting in certain combinations and even initially claimed as such, one or more features from a claimed combination can in some cases be excised from the combination, and the claimed combination may be directed to a subcombination or variation of a subcombination.

Similarly, while operations are depicted in the drawings in a particular order, this should not be understood as requiring that such operations be performed in the particular order shown or in sequential order, or that all illustrated operations be performed, to achieve desirable results. In some cases, multitasking and parallel processing may be advantageous. Moreover, the separation of various system modules and components in the embodiments described above should not be understood as requiring such separation in all embodiments, and it should be understood that the described program components and systems can generally be integrated together in a single software product or packaged into multiple software products.

Thus, particular embodiments of the subject matter have been described. Other embodiments are within the scope of the following claims. In some cases, the actions recited in the claims can be performed in a different order and still achieve desirable results. Further, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some implementations, multitasking and parallel processing may be advantageous.

The above description is only for the purpose of illustrating the preferred embodiments of the one or more embodiments of the present disclosure, and is not intended to limit the scope of the one or more embodiments of the present disclosure, and any modifications, equivalent substitutions, improvements, etc. made within the spirit and principle of the one or more embodiments of the present disclosure should be included in the scope of the one or more embodiments of the present disclosure.

Claims

1. A face authentication-based transaction method, the method comprising:

receiving a transaction request, wherein the transaction request indicates information to be transacted;

responding to the transaction request, and acquiring a face authentication result of a transaction party, wherein the face authentication result contains identity information of the transaction party;

and sending the identity information and the information to be transacted to a server so that the server transacts according to the information to be transacted through a virtual account associated with the identity information.

2. The method of claim 1, wherein after sending the identity information and the information to be transacted to a server in the case that the transaction request comprises an activation request, the method further comprises:

receiving and displaying to-be-deposited virtual currency information returned by the server, wherein the to-be-deposited virtual currency information is generated according to the grade information associated with the identity information of the transaction party and the virtual currency type indicated by the to-be-transacted information;

and in response to receiving a first confirmation signal of the information of the virtual money to be deposited, sending a first trigger signal to the server so as to enable the server to set a virtual money balance corresponding to the type of the virtual money to the virtual account according to the information of the virtual money to be deposited.

3. The method according to claim 1 or 2, wherein in case the transaction request comprises a pickup request, after the sending the identity information and the information to be transacted to a server, the method further comprises:

receiving and displaying to-be-received virtual currency information returned by the server, wherein the to-be-received virtual currency information is generated according to the meeting condition of the transaction party on the set condition and the virtual currency type indicated by the to-be-transacted information;

and in response to receiving a second confirmation signal of the information of the virtual money to be picked up, sending a second trigger signal to the server so as to enable the server to increase the corresponding amount of the virtual money in the virtual account according to the information of the virtual money to be picked up.

4. The method according to any one of claims 1 to 3, wherein in a case where the transaction request includes a payment request, after the sending of the identity information and the information to be transacted to a server, the method further comprises:

receiving and displaying virtual currency deduction information returned by the server, wherein the virtual currency deduction information is generated according to balance information of the virtual account and the amount to be paid indicated by the information to be transacted;

in response to receiving a third confirmation signal for the virtual currency deduction information, sending a third trigger signal to the server so that the server completes payment through the virtual account according to the virtual currency deduction information.

5. The method of claim 4, further comprising:

under the condition that the virtual currency deduction information indicates that the virtual account does not meet deduction conditions, outputting prompt information to prompt the transaction party to pay through a signed bank card or a third-party payment mechanism;

and responding to the fourth confirmation information of the prompt information, and sending a fourth trigger signal to the server so as to enable the server to complete payment through a bank card or a third-party payment mechanism signed with the transaction party.

6. The method according to claim 4 or 5, characterized in that the method further comprises:

and after the payment is finished, receiving payment information returned by the server, and displaying the payment information, wherein the payment information comprises at least one item of payment amount, payment details and balance information of the virtual account after the payment is finished.

7. The method according to any one of claims 4 to 6, wherein in the case where the information to be transacted includes an amount of virtual money to be paid, the virtual money deduction information is generated from balance information of the virtual account and the amount of virtual money to be paid; and/or the presence of a gas in the gas,

and when the information to be transacted comprises the amount of the real money to be paid, the virtual money deduction information is generated according to the balance information of the virtual account, the amount of the real money to be paid and the conversion relation between the virtual money and the real money.

8. A face authentication-based transaction method, the method comprising:

receiving identity information and information to be transacted of a transaction party, wherein the identity information is obtained by performing face authentication on the transaction party, and the information to be transacted is generated according to a transaction request;

and carrying out transaction according to the information to be transacted through the virtual account associated with the identity information.

9. The method of claim 8, wherein in the case that the transaction request includes an activation request, the conducting a transaction according to the information to be transacted through the virtual account associated with the identity information comprises:

generating information of virtual money to be deposited according to the grade information associated with the identity information of the transaction party and the type of the virtual money indicated by the information to be transacted;

sending the information of the virtual money to be deposited to a transaction terminal so that the transaction terminal displays the information of the virtual money to be deposited;

and in response to receiving a first trigger signal sent by the transaction terminal, setting a virtual currency balance corresponding to the type of the virtual currency to be deposited in the virtual account according to the information of the virtual currency to be deposited, wherein the first trigger signal is generated after the transaction terminal receives a first confirmation signal of the information of the virtual currency to be deposited.

10. The method according to claim 8 or 9, wherein in the case that the transaction request includes a pickup request, the performing a transaction according to the information to be transacted through the virtual account associated with the identity information comprises:

generating virtual currency information to be received according to the meeting condition of the transaction party to the set condition and the virtual currency type indicated by the information to be transacted;

sending the virtual currency information to be received to a transaction terminal so that the transaction terminal can display the virtual currency information to be received;

and in response to receiving a second trigger signal sent by the transaction terminal, adding corresponding virtual currency amount in the virtual account according to the information of the virtual currency to be received, wherein the second trigger signal is generated after the transaction terminal receives a second confirmation signal of the information of the virtual currency to be received.

11. The method according to any one of claims 8 to 10, wherein in the case that the transaction request includes a payment request, the conducting a transaction according to the information to be transacted through the virtual account associated with the identity information includes:

generating virtual currency deduction information according to the balance information of the virtual account and the amount to be paid indicated by the information to be transacted;

sending the virtual currency deduction information to a transaction terminal so that the transaction terminal can display the virtual currency deduction information;

and in response to receiving a third trigger signal sent by the transaction terminal, completing payment according to the virtual currency deduction information, wherein the third trigger signal is generated after the transaction terminal receives a third confirmation signal of the virtual currency deduction information.

12. The method of claim 11, further comprising:

and in response to receiving a fourth trigger signal sent by the transaction terminal, completing payment through a bank card or a third-party payment mechanism signed with the transaction party, wherein the fourth trigger signal is generated after the transaction terminal receives a fourth confirmation signal of prompt information for payment through the signed bank card or the third-party payment mechanism under the condition that the virtual currency deduction information indicates that a virtual account of the transaction party does not meet a deduction condition.

13. The method according to claim 11 or 12, characterized in that the method further comprises:

after the payment is finished, sending payment amount and/or payment details to the transaction terminal so as to display on an interface of the transaction terminal; and/or the presence of a gas in the gas,

and sending at least one item of payment amount, payment details and balance information of the virtual account after payment is completed to the mobile terminal used by the transaction party so as to display on a display interface of the mobile terminal.

14. The method according to any one of claims 11 to 13, wherein in a case where the information to be transacted includes an amount of virtual money to be paid, the virtual money deduction information is generated from balance information of the virtual account and the amount of virtual money to be paid; and/or the presence of a gas in the gas,

15. A face authentication-based transaction apparatus, the apparatus comprising:

a request receiving unit for receiving a transaction request indicating information to be transacted;

the acquisition unit is used for responding to the transaction request and acquiring a face authentication result of a transaction party, wherein the face authentication result contains identity information of the transaction party;

and the sending unit is used for sending the identity information and the information to be transacted to a server so that the server carries out transaction according to the information to be transacted through a virtual account associated with the identity information.

16. A face authentication-based transaction apparatus, the apparatus comprising:

the information receiving unit is used for receiving identity information of a trading party and information to be traded, wherein the identity information is obtained by performing face authentication on the trading party, and the information to be traded is generated according to a trading request;

and the transaction unit is used for performing transaction according to the information to be transacted through the virtual account associated with the identity information.

17. An electronic device, comprising a memory for storing computer instructions executable on a processor, the processor being configured to implement the method of any one of claims 1 to 7 when executing the computer instructions.

18. An electronic device, characterized in that the device comprises a memory for storing computer instructions executable on a processor, the processor being adapted to carry out the method of any one of claims 8 to 14 when executing the computer instructions.

19. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the method of any one of claims 1 to 7.

20. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the method of any one of claims 8 to 14.