CN116342136A

CN116342136A - Palm-based payment processing method and device

Info

Publication number: CN116342136A
Application number: CN202310333581.XA
Authority: CN
Inventors: 周亮
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2023-03-27
Filing date: 2023-03-27
Publication date: 2023-06-27

Abstract

The embodiment of the specification provides a payment processing method and device based on a palm, wherein the payment processing method based on the palm comprises the following steps: after a payment check body request of a user for self-order payment through a palm payment channel is obtained, the check body authority of the user for payment check body at a payment machine is transferred to a user terminal, a target palm image is determined in a reference palm image of the user according to the palm type of the palm image acquired by a user terminal calling a rear camera, and the user is checked for payment based on the palm image and the target palm image.

Description

Palm-based payment processing method and device

Technical Field

The present document relates to the field of data processing technologies, and in particular, to a palm-based payment processing method and device.

Background

With the continuous development of the internet and information technology, users can pay in various ways, such as cash payment, electronic payment, etc., during or after enjoying a service; in the process of payment processing, electronic payment technology is becoming more and more popular, and before payment, verification of the user's identity can be performed, and payment is performed on an order after determining the user's true identity, so that the situation of paying by using the identity of another person is prevented, and in this process, how to better manage the user's identity gradually becomes the focus of attention of all parties.

Disclosure of Invention

One or more embodiments of the present specification provide a palm-based payment processing method, including: and acquiring a payment check body request for the user to pay the self-service order through the palm payment channel. The payment core request is generated after a payment core action is executed by a payment machine configured based on a merchant is detected. And responding to the payment body checking request, and transferring the body checking authority of the user for performing the payment body checking on the payment machine to a user terminal. And receiving a palm image acquired by the user terminal calling a rear camera, and determining a target palm image in the reference palm image of the user according to the palm type of the palm image. And carrying out payment verification on the user based on the palm image and the target palm image so as to carry out order payment processing after successful verification of the payment verification.

One or more embodiments of the present specification provide another palm-based payment processing method, including: and acquiring an image acquisition instruction issued by the server, and entering an image acquisition page based on the image acquisition instruction. And acquiring palm images of the user acquired by calling the rear camera through the image acquisition page. And sending the palm image to the server so as to pay the user for the nuclear body according to the palm image and a target palm image determined in the reference palm image of the user based on the palm type. And after the payment verification is successful, order payment processing is carried out. The image acquisition instruction is issued after detecting a payment check body request of the user for self-service order payment through a palm payment channel. The payment core request is generated after a payment core action is performed by a payment tool configured based on a merchant.

One or more embodiments of the present specification provide a palm-based payment processing apparatus, including: the request acquisition module is configured to acquire a payment verification request for the user to pay the self-service order through the palm payment channel. The payment core request is generated after a payment core action is executed by a payment machine configured based on a merchant is detected. And the permission transfer module is configured to respond to the payment core request and transfer the core permission of the user for performing the payment core on the payment machine to a user terminal. The image determining module is configured to receive the palm image acquired by the user terminal calling the rear camera and determine a target palm image in the reference palm image of the user according to the palm type of the palm image. And the payment checking module is configured to check the payment of the user based on the palm image and the target palm image so as to perform order payment processing after the successful check of the payment.

One or more embodiments of the present specification provide another palm-based payment processing apparatus, including: the page entering module is configured to acquire an image acquisition instruction issued by the server and enter an image acquisition page based on the image acquisition instruction. And the image acquisition module is configured to acquire palm images of the user acquired by calling the rear camera through the image acquisition page. And the image sending module is configured to send the palm image to the server so as to pay the user for the user according to the palm image and a target palm image determined in the reference palm image of the user based on the palm type. And after the payment verification is successful, order payment processing is carried out. The image acquisition instruction is issued after detecting a payment check body request of the user for self-service order payment through a palm payment channel. The payment core request is generated after a payment core action is performed by a payment tool configured based on a merchant.

One or more embodiments of the present specification provide a palm-based payment processing apparatus including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and acquiring a payment check body request for the user to pay the self-service order through the palm payment channel. The payment core request is generated after a payment core action is executed by a payment machine configured based on a merchant is detected. And responding to the payment body checking request, and transferring the body checking authority of the user for performing the payment body checking on the payment machine to a user terminal. And receiving a palm image acquired by the user terminal calling a rear camera, and determining a target palm image in the reference palm image of the user according to the palm type of the palm image. And carrying out payment verification on the user based on the palm image and the target palm image so as to carry out order payment processing after successful verification of the payment verification.

One or more embodiments of the present specification provide another palm-based payment processing apparatus, comprising: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and acquiring an image acquisition instruction issued by the server, and entering an image acquisition page based on the image acquisition instruction. And acquiring palm images of the user acquired by calling the rear camera through the image acquisition page. And sending the palm image to the server so as to pay the user for the nuclear body according to the palm image and a target palm image determined in the reference palm image of the user based on the palm type. And after the payment verification is successful, order payment processing is carried out. The image acquisition instruction is issued after detecting a payment check body request of the user for self-service order payment through a palm payment channel. The payment core request is generated after a payment core action is performed by a payment tool configured based on a merchant.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed by a processor, implement the following: and acquiring a payment check body request for the user to pay the self-service order through the palm payment channel. The payment core request is generated after a payment core action is executed by a payment machine configured based on a merchant is detected. And responding to the payment body checking request, and transferring the body checking authority of the user for performing the payment body checking on the payment machine to a user terminal. And receiving a palm image acquired by the user terminal calling a rear camera, and determining a target palm image in the reference palm image of the user according to the palm type of the palm image. And carrying out payment verification on the user based on the palm image and the target palm image so as to carry out order payment processing after successful verification of the payment verification.

One or more embodiments of the present specification provide another storage medium storing computer-executable instructions that, when executed by a processor, implement the following: and acquiring an image acquisition instruction issued by the server, and entering an image acquisition page based on the image acquisition instruction. And acquiring palm images of the user acquired by calling the rear camera through the image acquisition page. And sending the palm image to the server so as to pay the user for the nuclear body according to the palm image and a target palm image determined in the reference palm image of the user based on the palm type. And after the payment verification is successful, order payment processing is carried out. The image acquisition instruction is issued after detecting a payment check body request of the user for self-service order payment through a palm payment channel. The payment core request is generated after a payment core action is performed by a payment tool configured based on a merchant.

Drawings

For a clearer description of one or more embodiments of the present description or of the solutions of the prior art, the drawings that are needed in the description of the embodiments or of the prior art will be briefly described below, it being obvious that the drawings in the description that follow are only some of the embodiments described in the present description, from which other drawings can be obtained, without inventive faculty, for a person skilled in the art;

FIG. 1 is a schematic diagram of an implementation environment for a palm-based payment processing method provided in one or more embodiments of the present disclosure;

FIG. 2 is a process flow diagram of a palm-based payment processing method provided in one or more embodiments of the present disclosure;

FIG. 3 is a schematic diagram of a registration page provided in one or more embodiments of the present disclosure;

FIG. 4 is a schematic diagram of an identity input page provided in one or more embodiments of the present disclosure;

FIG. 5 is a schematic diagram of a collection presentation page provided in one or more embodiments of the present disclosure;

FIG. 6 is a schematic diagram of a palm acquisition page provided in one or more embodiments of the present disclosure;

FIG. 7 is a schematic diagram of an assessment presentation page provided in one or more embodiments of the present disclosure;

FIG. 8 is a schematic diagram of a registration results page provided by one or more embodiments of the present disclosure;

FIG. 9 is a process flow diagram of a palm-based payment processing method for use in a rights transfer scenario provided in one or more embodiments of the present disclosure;

FIG. 10 is a process timing diagram of a palm-based payment processing method for use in a palm payment scenario provided in one or more embodiments of the present disclosure;

FIG. 11 is a process flow diagram of another palm-based payment processing method provided in one or more embodiments of the present disclosure;

FIG. 12 is a schematic diagram of one or more embodiments of a palm-based payment processing apparatus provided herein;

FIG. 13 is a schematic diagram of another palm-based payment processing arrangement embodiment provided by one or more embodiments of the present disclosure;

FIG. 14 is a schematic diagram of a palm-based payment processing apparatus provided in one or more embodiments of the present disclosure;

fig. 15 is a schematic structural diagram of another palm-based payment processing apparatus provided in one or more embodiments of the present disclosure.

Detailed Description

In order to enable a person skilled in the art to better understand the technical solutions in one or more embodiments of the present specification, the technical solutions in one or more embodiments of the present specification will be clearly and completely described below with reference to the drawings in one or more embodiments of the present specification, and it is obvious that the described embodiments are only some embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one or more embodiments of the present disclosure without inventive effort, are intended to be within the scope of the present disclosure.

Referring to fig. 1, one or more embodiments of the present disclosure provide a schematic diagram of an implementation environment for a palm-based payment processing method.

The palm-based payment processing method provided in one or more embodiments of the present disclosure may be applicable to an implementation environment of self-service order payment, where the implementation environment includes at least a core server 101 of a palm core platform, or at least a payment server 102 of a payment platform or a merchant server.

In addition, the implementation environment may also include a user terminal 103, where the user terminal 103 may configure a palm kernel client, and the specific form of the client may be an application program, a sub-program in the application program, a service module in the application program, or a web page program. The user terminal 103 performs payment processing based on the palm through the client of the palm kernel in cooperation with the kernel server 101.

In addition, the implementation environment may further include a payment tool 104, where the payment tool 104 may configure a client of the payment core, and the client may be the same client as or different from a client of the palm core configured by the user terminal 103, and a specific form of the client configured by the payment tool 104 may be an application program, a sub-program in the application program, a service module in the application program, or a web page program.

The core server 101 may be a server, or a server cluster formed by a plurality of servers, or one or more cloud servers in a cloud computing platform, configured to perform palm-based payment processing, and in view of an actual payment processing scenario, determine a deployment number and a deployment manner of the servers according to an order of a request number of payment core requests submitted in a time period, for example, one or more servers may be deployed in a case where the request number is small; for another example, in the case that the number of requests reaches a certain level, a server cluster composed of several servers is deployed.

The payment server 102 may also be a server, or a server cluster formed by a plurality of servers, or one or more cloud servers in a cloud computing platform, for performing order payment processing.

The user terminal 103 may be a mobile phone, a personal computer, a tablet computer, an electronic book reader, a VR (Virtual Reality technology) -based device for information interaction, a vehicle-mounted terminal, an IoT device, a wearable intelligent device, a laptop portable computer, a desktop computer, or the like, and the user terminal 103 may be installed with an application program or a browser, and may submit a payment core request through the application program or the browser, or may submit a payment core request through a subroutine in the application program.

The payment instrument 104 may be a smart terminal, a cell phone, a personal computer, a tablet computer, an electronic book reader, a VR (Virtual Reality technology) -based device for information interaction, an IoT device, a wearable smart device, a laptop and desktop computer, and so forth.

In this implementation environment, after the entity server 101 obtains a payment entity request for a user to pay a self-service order through a palm payment channel, the entity server 101 may transfer entity permission of the user to pay an entity at a payment tool to the user terminal 103, and generate an image acquisition instruction to issue to the user terminal 103, where it should be noted that the payment entity request may be generated after detecting that the payment tool 104 configured by a merchant performs a payment entity action; on this basis, the user terminal 103 enters an image acquisition page through an image acquisition instruction to acquire a palm image and sends the palm image to the body checking server 101, and the body checking server 101 performs payment body checking on the user according to a target palm image and a target palm image determined in a reference palm image of the user according to the palm type of the palm image, so that order payment processing can be performed after the body checking is successful, and here, the payment server 102 can perform order payment processing.

One or more embodiments of a palm-based payment processing method provided in the present specification are as follows:

according to the payment processing method based on the palm, based on the payment body checking request of the user for self-order payment through the palm payment channel, body checking authority of the user for payment body checking on the payment machine is transferred to the user terminal; the payment core request is generated after the payment core action is executed by the payment machine based on merchant configuration is detected, so that diversity and flexibility of the payment core are improved, a target palm image is determined in a reference palm image of a user according to the palm type of the palm image acquired by a rear camera called by a user terminal, the user is subjected to payment core by means of the palm image and the target palm image, order payment processing is performed after the payment core is successful, accuracy of the payment core is improved through determination of the palm type, success rate of the payment core is improved, convenience of the payment core is improved through transfer of core permission, and occurrence probability of payment congestion is reduced.

Referring to fig. 2, the palm-based payment processing method provided in the present embodiment specifically includes steps S202 to S208.

Step S202, a payment check body request for self-service order payment of a user through a palm payment channel is obtained.

The palm payment channel comprises a channel for carrying out order payment or payment verification by collecting palm images; the self-service order payment comprises the step that the user performs the order payment by self without help of external personnel such as cashiers. The payment verification request comprises a payment verification request, namely identity verification is carried out on the self-service order payment of the user. The embodiment is applicable to a server including a core server for performing palm core.

In practical application, the user order to be paid can be generated at the merchant terminal, the user order to be paid can also be generated at a payment machine configured by the merchant, and in the process of paying the order to be paid, the user can be subjected to payment verification, namely identity verification in the process of paying the user; considering that most users exclude emotion of face-brushing payment, a palm payment channel or a palm payment mode can be introduced, particularly, a channel for order payment or payment verification is carried out by collecting palm images, and flexibility of payment verification is improved.

Optionally, the payment core request is generated after detecting that a payment core action is executed by a payment tool configured based on a merchant; optionally, the payment core action includes: and scanning the scanning action of the payment nuclear identity displayed by the display component of the payment machine tool through the rear camera, or triggering the triggering action of the payment nuclear control displayed by the display component.

The size of the merchant may be greater than or less than or equal to a preset size threshold, and is not limited herein, for example, the merchant may be a large merchant, a small merchant store, such as a small restaurant, and the merchant includes a self-service merchant, where the self-service merchant is no merchant personnel, and the user performs self-service commodity selection or service selection in the merchant store of the self-service merchant, and performs self-service order payment through a payment machine configured by the self-service merchant or performs self-service order payment through a user terminal. The user terminal refers to terminal equipment of the user.

The merchant configured payment machines include machines for making payments, such as self-service settlement machines in merchant supervisors; the payment instrument may be configured with a display component, such as a display screen; the payment core identification comprises a payment core code, wherein the form of the payment core code can be a two-dimensional code or a bar code, and in addition, the form of the payment core code can be other forms; the payment machines configured by the merchant can display the order to be paid of the user, and the payment machines can have the functions of face brushing payment or payment by inputting a payment key, and optionally, the payment machines configured by the merchant do not have the function of acquiring palm images, namely, the payment machines cannot acquire the palm images to carry out payment check.

The payment checking action comprises the action of checking the payment by collecting palm images; in addition, the payment core action includes a core transfer action, that is, the payment core action may be a transfer action of transferring a core authority of a user for performing the payment core to a user terminal at a payment tool.

When the method is implemented, after the fact that the user executes the payment check-up action based on the payment machine configured by the merchant is detected, a payment check-up request for the user to pay the self-service order through the palm payment channel can be generated; in practical application, in one case, a user can scan a payment check body code displayed by a display component of a payment machine configured by a merchant through a rear camera or a front camera of the user terminal, and the user terminal submits a payment check body request through scanning the payment check body code; in another case, the user may trigger a payment core control displayed by a display component of a merchant configured payment instrument, and submit a payment core request by triggering the payment core control, where the payment core request may be submitted by the payment instrument to a server.

Optionally, the payment request can be submitted through a user terminal or through a payment tool; optionally, the payment core request is submitted by the user terminal after the user terminal scans the payment core identifier displayed by the display component of the payment tool through the rear camera, or is submitted by the payment tool after the payment tool detects that the payment core control displayed by the display component is triggered.

In a specific execution process, a user can call a rear camera to scan a payment nuclear identity displayed by a display component of the payment machine through an entering subprogram, in this case, the nuclear subprogram of the user terminal submits a payment nuclear identity request to a server, and the subprogram of the user terminal interacts with the server; in addition, the user can trigger the payment core control displayed by the display component of the payment machine to call the payment core interface to jump from the merchant subprogram to the core subprogram, submit the payment core request to the server through the core subprogram, and jump from the core subprogram to the merchant subprogram after the payment core passes.

In practical application, in the process that the user pays for an order on the payment machine, the payment body identifier can be displayed on the display component of the payment machine, in order to improve the convenience that the user scans the payment body identifier through the user terminal, the use experience of the user is improved, before the user obtains the payment body request of the user for self-service order payment through the palm payment channel to execute, the display position data of the payment body identifier of the payment machine can be determined according to the palm operation data of the user detected by the user terminal calling sensor and issued to the payment machine, so that the payment body request is submitted according to the payment body identifier displayed based on the display position data, specifically, in an optional implementation provided by the embodiment, before the user obtains the payment body request of self-service order payment through the palm payment channel to execute, the following operations are further executed:

Acquiring palm operation data of the user, which is detected and obtained by the user terminal calling sensor;

and determining display position data of the payment core identification on the payment machine tool based on the palm operation data, and issuing the display position data to the payment machine tool so as to submit the payment core request according to the payment core identification displayed based on the display position data.

Accordingly, the user terminal may perform the following operations: invoking a sensor to detect palm operation data of the user; and uploading the palm operation data to the server so as to determine the display position data of the payment nuclear identity on the payment machine based on the palm operation data.

Wherein the sensor comprises a light sensor; the palm operation data comprises light shielding data for the display component when the palm of the user operates the user terminal. The display location data includes data related to a display location of the payment core identification on a display component of the payment instrument.

Specifically, the user terminal can invoke the light ray shielding data of the display assembly when the light ray sensor detects the palm operation display assembly of the user, upload the light ray shielding data to the server, the server obtains the light ray shielding data of the user, which is detected by the light ray sensor, of the user terminal, and determines the operation palm type of the user based on the light ray shielding data, wherein the operation palm type refers to the palm type of the user operation user terminal, namely, whether the user operation user terminal is of a left palm type or a right palm type is determined, the display position data of the payment nuclear body identifier in the payment tool is determined according to the operation palm type of the user, and the payment nuclear body request is issued to the payment tool so as to submit the payment nuclear body identifier based on the display position data.

The above-mentioned process of determining the operation palm type of the user based on the light shielding data, determining the display position data of the payment core identifier on the payment tool according to the operation palm type of the user, may determine the light shielding area of the display assembly of the user's palm on the user terminal based on the light shielding data, determine the operation palm type of the user based on the light shielding area, if the operation palm type is the preset palm type, determine the display position of the payment core identifier on the payment tool as the first display position, and if the operation palm type is not the preset palm type, determine the display position of the payment core identifier on the payment tool as the second display position. If the light shielding area is the left area of the display component of the user terminal, the operation palm type of the user can be determined to be the left palm type, and if the light shielding area is the right area of the display component of the user terminal, the operation palm type of the user can be determined to be the right palm type.

The preset palm type may be a left palm type or a right palm type, if the preset palm type is a left palm type and the operation palm type is a preset palm type, determining a display position of the payment core body identifier in the payment tool as a target position in a right area of the payment tool, and determining a display position of the payment core body identifier in the payment tool as a target position in the left area of the payment tool if the preset palm type is a left palm type and the operation palm type is not a preset palm type; if the preset palm type is the right palm type and the operation palm type is the preset palm type, determining the display position of the payment core body identifier in the payment tool as a target position in the left area of the payment tool, and if the preset palm type is the right palm type and the operation palm type is not the preset palm type, determining the display position of the payment core body identifier in the payment tool as the target position in the right area of the payment tool.

The method is characterized in that before a payment check body request of a user for self-order payment through a palm payment channel is acquired and executed, a check body failure reminding of the user for payment check body at a payment machine can be acquired, and a check body transfer channel or a channel identification of the payment check body channel for check body authority transfer can be issued to the payment machine based on the check body failure reminding; optionally, the channel identifier of the entity transfer channel includes a control identifier and/or a payment entity code of the payment entity control. The user may perform a payment transaction based on the transaction transfer channel of the payment instrument and generate a payment transaction request.

And step S204, responding to the payment core request, and transferring the core right of the user for the payment core to a user terminal.

In the step, in order to improve flexibility and convenience of the user for paying the check body, after the check body payment request is obtained, the check body authority of the user for paying the check body on the payment machine is transferred to the user terminal. The verification authority in this embodiment includes verification authority for verifying identity of a user in a process of paying an order by a payment machine.

In the implementation, before the user pays for the body through the palm, a reference palm image of the user can be acquired and used for paying for the body of the user based on the palm image and the reference palm image acquired in real time; optionally, the reference palm image and the payment identifier of the user establish a binding relationship; and the core right is opened to the user after the binding relation is established. Wherein the payment identification includes a payment account number.

In a specific implementation process, in an optional implementation manner provided in this embodiment, in a process of transferring a user's body checking authority of a payment body checking performed by a payment machine to a user terminal, in order to collect a palm image of the user in time, the following operations are performed: and transferring the nuclear body authority to the user terminal, and generating an image acquisition instruction after transferring to be issued to the user terminal.

Specifically, after a server obtains a payment check body request for self-service order payment through a palm payment channel, transferring check body authority of a user for payment check body to a user terminal at a payment machine, generating an image acquisition instruction after transfer and issuing the image acquisition instruction to the user terminal, wherein the user terminal obtains the image acquisition instruction issued by the server, enters an image acquisition page based on the image acquisition instruction, and can obtain a palm image of the user acquired by calling a rear camera or a front camera through the image acquisition page; the image acquisition instructions comprise instructions for instructing a user to acquire palm images, and the image acquisition pages comprise pages for acquiring the palm images.

In practical application, a specific user has a mobile phone operation obstacle, such as the familiarity of the old user to the mobile phone is insufficient, and the operation is not skilled, for this purpose, in order to promote the convenience of the specific user for carrying out payment verification, promote the success rate and the passing rate of the specific user for carrying out payment verification, the palm acquisition video stream of the palm image acquired by the user terminal can be synchronized to the payment tool, that is, the user can check the process of the palm image acquired by the user terminal or shot on the payment tool, reduce the operation times of the specific user to the user terminal, and promote the perception degree of the specific user through the payment tool.

Acquiring a palm acquisition video stream sent by the user terminal; optionally, the palm acquisition video stream is acquired by the rear camera under the condition that the display component of the user terminal is in a preset display state;

And transmitting the palm acquisition video stream to the payment tool so as to determine the palm image in the palm acquisition video stream through the payment tool.

Accordingly, the user terminal may perform the following operations: acquiring a palm acquisition video stream acquired by calling the rear camera through the image acquisition page under the condition that a display assembly is in a preset display state; and sending the palm acquisition video stream to the server so as to send the palm acquisition video stream to the payment machine to determine the palm image.

The rear camera comprises a rear camera of the user terminal; the preset display state comprises a dormant state or a black screen state of a display screen of the user terminal. The palm acquisition video stream refers to an acquisition video stream in the process of acquiring the palm image of the user, such as a video stream acquired by the palm of the user in the process of adjusting the distance or the position. Optionally, the palm collects the video stream, and collects the video stream when the display component of the user terminal is in a preset display state after the authorization instruction of the user is obtained.

Specifically, after the user terminal obtains an image acquisition instruction issued by the server, the user terminal can enter an image acquisition page under the condition that the display assembly is in a preset display state, acquire a palm acquisition video stream acquired by calling the rear camera or the front camera through the image acquisition page under the condition that the display assembly is in the preset display state, send the palm acquisition video stream to the server, and the server acquires the palm acquisition video stream sent by the user terminal and issues the palm acquisition video stream to the payment machine so as to determine a palm image in the palm acquisition video stream through the payment machine.

After the server issues the palm acquisition video stream to the payment tool to determine that the palm image is executed in the palm acquisition video stream by the payment tool, in an optional implementation provided in this embodiment, the following operations are executed:

receiving a determining instruction sent by the payment machine tool for the palm image in the palm acquisition video stream;

and transmitting the determining instruction to the user terminal to upload the palm image to a server.

Accordingly, the user terminal may perform the following operations: acquiring a determining instruction sent by the payment machine and sent by the server for acquiring the palm image in the video stream by the palm; and acquiring the palm image acquired by calling the rear camera through the image acquisition page based on the determining instruction.

The determining instruction can be generated after detecting that the acquisition control of the display component of the payment tool is triggered; the determining instruction comprises an instruction for determining the palm image in the palm acquisition video stream. The determination instruction includes an image capturing instruction.

In addition, after the server issues the palm acquisition video stream to the payment tool to confirm that the palm image is executed in the palm acquisition video stream through the payment tool, in order to further reduce the operation frequency of a specific user on a user terminal or the payment tool, the convenience of the specific user is improved, the server can receive target palm acquisition images with preset quantity in the palm acquisition video stream, which are acquired by the user terminal through a timing acquisition task, and the palm acquisition images are screened out from the target palm acquisition images according to the image indexes of the target palm acquisition images and serve as the palm images acquired by the user terminal for calling a rear camera, namely the palm images for paying the nuclear body.

The task of timing acquisition includes a task of timing acquisition or shooting of palm images in a palm acquisition video stream, such as shooting a palm image every 3 seconds. The preset number may be 1 or more.

Step S206, receiving a palm image acquired by the user terminal by calling a rear camera, and determining a target palm image in the reference palm image of the user according to the palm type of the palm image.

The server transfers the nuclear body authority of the user for paying the nuclear body at the payment machine to the user terminal, the specific server can transfer the nuclear body authority to the user terminal, generates an image acquisition instruction after transfer and sends the image acquisition instruction to the user terminal, and correspondingly, the user terminal acquires the image acquisition instruction sent by the server, enters an image acquisition page based on the image acquisition instruction, acquires a palm image of the user acquired by calling a rear camera through the image acquisition page, and sends the palm image to the server.

The palm image in this embodiment refers to an image of the palm of the user acquired in real time; the palm type comprises a left palm type and a right palm type; the reference palm image includes a palm image as a comparison reference of the payment core body.

In the implementation, after receiving a palm image acquired by a rear camera invoked by a user terminal, the server can identify the palm type of the palm image, and select a palm image consistent with the palm type from a reference palm image of a user according to the palm type as the target palm image.

Specifically, in the process of identifying the palm type of the palm image, the palm type can be determined according to the palm shape feature and/or the palm orientation feature in the palm image, and the palm image consistent with the palm type is selected from the reference palm images of the user to serve as the target palm image.

In practical application, a reference palm image of a user can be obtained in advance, and the reference palm image is used for carrying out payment verification and improving the convenience of the payment verification, and in an alternative implementation provided by the embodiment, the reference palm image consists of a first palm image and a second palm image; the second palm image is acquired after the image evaluation of the first palm image is passed, the first palm image and the second palm image are taken as reference palm images after the image evaluation of the second palm image is passed, and the reference palm images can be obtained by the following steps:

Acquiring a payment identifier input by the user based on an acquisition instruction submitted by the user through a subprogram, and carrying out identity verification on the user based on the payment identifier;

invoking the rear camera to acquire a first palm image of the user after the verification is passed, and acquiring a second palm image of the user after the image evaluation of the first palm image is passed;

if the image evaluation of the second palm image is passed, taking the first palm image and the second palm image as the reference palm image; if the image evaluation of the second palm image is not passed, the processing is not performed.

Wherein the image evaluation of the first palm image comprises at least one of the following: image definition evaluation, palm integrity evaluation and image exposure evaluation; the image evaluation of the second palm image comprises at least one of the following: image sharpness evaluation, palm integrity evaluation, image exposure evaluation, palm type evaluation, palm skin evaluation (palm color evaluation), mirror image similarity evaluation with the first palm image.

Specifically, the user terminal may submit an acquisition instruction or a registration instruction through a registration page of the subroutine, the server obtains an acquisition instruction or a registration instruction submitted by the user through the registration page of the subroutine, and issues identification input page data to the user terminal, the user terminal generates an identification input page based on the identification input page data, and submits a payment identification input to the server through the identification input page, the server obtains a payment identification input by the user and performs identity verification on the user based on the payment identification, the user terminal generates and displays an acquisition demonstration page after verification, a first acquisition page is generated and displayed by triggering a start instruction of the acquisition demonstration page, a first palm image of the user is acquired by calling a rear camera through the first acquisition page, image evaluation of the first palm image can be performed at the user terminal, the image evaluation of the first palm image can also be performed to the server, the image evaluation of the first palm image is performed at the first palm image is generated and displayed through the rear user terminal, a second palm image is called through the second acquisition page, similarly, the second palm image of the user terminal can also be performed by calling the rear camera, and the second palm image is used as a reference image of the second palm image.

The registration page shown in fig. 3, a user can submit an acquisition instruction or a registration instruction by triggering 301 a control, the user terminal displays an identification input page shown in fig. 4 after acquiring the acquisition instruction or the registration instruction, a payment key input by the user is displayed through a 401 area, after verification of identity verification of the user based on the payment key is passed, the user terminal generates an acquisition demonstration page shown in fig. 5, a 501 area shows the user a correct acquisition mode of acquisition of the palm, after the user terminal detects that a start shooting control 502 is triggered, a rear camera is invoked to acquire a first palm image of the user, after image evaluation of the first palm image is passed, a palm acquisition page shown in fig. 6 is generated and displayed, after image evaluation of the first palm image is started, a second palm image of the user is invoked, after image evaluation of the second palm image is passed, the user terminal generates and displays an evaluation demonstration page shown in fig. 7, after the user trigger is completed, the user terminal jumps from the evaluation demonstration page shown in fig. 7 to the registration result page shown in fig. 8, the user terminal submits a reference image of the user to a server, the server can pay the reference palm image of the user is enabled on the basis of the palm image, and the user terminal can pay the reference palm identifier is opened by binding the palm image; the palm payment representative user has opened the nuclear authority, and binds the payment identification of the user such as a deduction account number.

In an optional implementation manner provided in this embodiment, in order to avoid that the first palm image and the second palm image acquired by the user are images of the same palm type, image waste of the reference palm image is caused, and image evaluation of the second palm image includes:

based on palm shape features in the second palm image, identifying a palm type of the second palm image;

if the palm type is inconsistent with the palm type of the first palm image, determining that the image evaluation of the second palm image is passed;

and if the palm type is inconsistent with the palm type of the first palm image, determining that the image evaluation of the second palm image is not passed.

The palm shape feature refers to feature data representing the shape of a palm; the palm types include a left palm type and a right palm type.

In addition, in order to further improve the validity of the image evaluation of the second palm image, improve the validity of the reference palm image, avoid that the collected first palm image and the second palm image are palm images of different users, ensure that the first palm image and the second palm image are both palm images of the same user, and perform image evaluation on the second palm image according to the mirror image similarity of the first palm image and the second palm image, in another optional implementation provided in this embodiment, the image evaluation of the second palm image includes:

Calculating mirror image similarity of the palm based on the first palm image and the second palm image;

if the mirror image similarity is larger than a similarity threshold, determining that the image evaluation of the second palm image is passed;

and if the mirror image similarity is smaller than or equal to a similarity threshold, determining that the image evaluation of the second palm image is not passed.

In addition, the image evaluation of the second palm image may further include: and calculating the skin color matching degree according to the first palm image and the second palm image, if the skin color matching degree is larger than a matching degree threshold value, determining that the image evaluation of the second palm image is passed, and if the skin color matching degree is smaller than or equal to the matching degree threshold value, determining that the image evaluation of the second palm image is not passed.

The user terminal can upload the first palm image and the second palm image as reference palm images to the server under the condition that the image evaluation of the second palm image is passed, the server can establish a binding relation between the reference palm image and the payment identifier of the user, and after the binding relation is established, the user terminal opens the body checking authority for paying the body checking at the payment machine tool, wherein the body checking authority comprises the body checking authority for paying the body checking at the payment machine tool through the palm.

And step S208, carrying out payment verification on the user based on the palm image and the target palm image so as to carry out order payment processing after successful verification.

The server receives the palm image acquired by calling the rear camera by the user terminal, and determines a target palm image in the reference palm image of the user according to the palm type of the palm image. The payment verification in this embodiment includes identity verification performed during the payment process.

In the specific implementation, in the process of paying the user for the user on the basis of the palm image and the target palm image, in order to improve the accuracy and the effectiveness of paying the user, feature similarity can be calculated according to the first key features extracted from the palm image and the second key features extracted from the target palm image, and if the feature similarity is greater than a similarity threshold, the user is determined to pay the user successfully; in an optional implementation manner provided in this embodiment, in a process of paying a user for a body based on a palm image and a target palm image, the following operations are performed:

Extracting a first key feature from the palm image and a second key feature from the target palm image;

calculating feature similarity of the palm image and the target palm image based on the first key feature and the second key feature;

and if the feature similarity is larger than a similarity threshold, determining that the payment verification is successful, and if the feature similarity is smaller than or equal to the similarity threshold, determining that the payment verification is failed.

Optionally, the first key feature includes at least one of: palmprint features, key point features, skin features; the second key feature comprises at least one of: palmprint features, key point features, skin features. Wherein the keypoint feature comprises a keypoint feature of a finger in the palm, such as a root keypoint of a finger in the palm. The skin features in this embodiment include the skin color of the palm or the palm color.

Specifically, a first palm print feature, a first key point feature, and/or a first skin feature may be extracted from the palm image, and a second palm print feature, a second key point feature, and/or a second skin feature may be extracted from the target palm image; and calculating the feature similarity of the palm image and the target palm image based on the first palm print feature, the first key point feature and/or the first skin feature, the second palm print feature, the second key point feature and/or the second skin feature, if the feature similarity is larger than a similarity threshold value, determining that the payment core is successful, and if the feature similarity is smaller than or equal to the similarity threshold value, determining that the payment core is failed.

After the feature similarity between the palm image and the target palm image is calculated based on the first key feature and the second key feature, in order to improve the validity of the payment core, in the case that the feature similarity is less than or equal to the similarity threshold, the user whose feature similarity is in the retry value interval is provided with the opportunity of secondarily paying the core.

If the feature similarity is smaller than or equal to the similarity threshold, judging whether the feature similarity is in a retry value interval;

and under the condition that the user terminal is in the retry value interval, receiving a secondary palm image acquired by the user terminal, and carrying out secondary payment on the user based on the secondary palm image.

The retry value interval includes a value interval of feature similarity acquired by the secondary palm image, for example, the similarity threshold is 90%, the retry value interval is 60% -80%, if the feature similarity is less than or equal to the similarity threshold, it is determined whether the feature similarity is within 60% -80%, if the feature similarity is within the retry value interval, the user terminal acquires the secondary palm image and sends the secondary palm image to the server, the server receives the secondary palm image acquired by the user terminal calling the rear camera or the front camera, and performs secondary payment on the user based on the secondary palm image, that is, determines a target image in the reference palm image according to the palm type of the secondary palm image, performs payment on the user based on the secondary palm image and the target image, and the process of payment on the target image is similar to that of the payment on the user.

In a specific execution process, after the server carries out payment verification on the user based on the palm image and the target palm image, if the payment verification is successful, the server generates a verification success prompt to be sent to the payment server, and the payment server carries out order payment processing; in an optional implementation manner provided in this embodiment, the order payment processing includes:

and determining a fund account associated with the payment identification of the user, and deducting money from the fund account based on the amount of the order.

The payment identification comprises a payment account number and also comprises a login account number of a user when acquiring the reference palm image.

In practical application, partial users may have palm skin disease or other emergency, which causes failure of payment core, even failure of payment core for several times, for this purpose, in order to prompt the users to pass through the payment core as soon as possible, reduce occurrence of payment crowding, in case of failure of payment core, secondary payment core result of the users may be determined according to associated palm images of associated users of the users; in an optional implementation manner provided in this embodiment, after performing the payment core on the user based on the palm image and the target palm image, the following operations are further performed:

If the payment of the entity fails, issuing an entity failure prompt to the user terminal to display an associated entity entry;

determining an associated user selected after the user terminal triggers the associated core entry, and sending an associated core application to the associated user;

and determining a secondary payment verification result of the user according to the associated palm image uploaded by the associated user.

Wherein the associated user comprises a user with an association relationship with the user; the association relationship includes a relative relationship, a friend relationship, a colleague relationship, and the like.

Specifically, the process of determining the secondary payment verification result of the user according to the associated palm image uploaded by the associated user can be realized in a manner of determining the reference image of the associated user according to the associated palm image uploaded by the associated user and performing secondary payment verification on the user according to the associated palm image and the reference image; the process of the secondary payment core is similar to the above-mentioned process of the payment core, and this embodiment is not repeated here.

It should be noted that, in this embodiment, the rear camera of the user terminal may be replaced by the front camera, and the front camera of the user terminal may also be replaced by the rear camera.

In summary, according to the one or more palm-based payment processing methods provided in the embodiments, according to a payment core request of a user for self-service order payment through a palm payment channel, core body authority of the user for payment core body at a payment tool is transferred to a user terminal, a palm image acquired by a rear camera is received and called by the user terminal, and a target palm image is determined in a reference palm image of the user according to a palm type of the palm image;

the method comprises the steps of extracting first key features from a palm image and extracting second key features from a target palm image, calculating feature similarity of the palm image and the target palm image based on the first key features and the second key features, determining that a payment core is successful if the feature similarity is larger than a similarity threshold, and sending a core success prompt to a payment server for order payment processing, so that accuracy of the payment core is improved through palm type determination, success rate of the payment core is further improved, convenience of the payment core is improved through core permission transfer, and occurrence probability of payment crowding is reduced.

The following further describes the palm-based payment processing method provided in the present embodiment, with reference to fig. 9, by taking an application of the palm-based payment processing method provided in the present embodiment to a rights transfer scene as an example, and specifically includes the following steps.

Step S902, a payment check body request for self-service order payment of a user through a palm payment channel is obtained.

Optionally, the payment request can be submitted through a user terminal or through a payment tool; optionally, the payment core request is submitted by the user terminal after the user terminal scans the payment core code displayed on the display screen of the payment tool through the rear camera, or is submitted by the payment tool after the payment tool detects that the payment core control displayed on the display component is triggered.

Step S904, responding to the payment request, transferring the body checking authority of the user for the payment body checking at the payment machine to the user terminal, and generating an image acquisition instruction after transferring to issue to the user terminal.

Step S906, acquiring a palm acquisition video stream which is transmitted by the user terminal and is acquired by calling the rear camera when the display screen is in a black screen state.

Step S908, the palm acquisition video stream is issued to the payment machine to display the palm acquisition video stream.

Step S910, acquiring a palm image in a palm acquisition video stream acquired by a timing acquisition task and sent by a user terminal.

In step S912, a target palm image is determined in the reference palm image of the user according to the palm type of the palm image.

Step S914 extracts a first key feature from the palm image and a second key feature from the target palm image.

Optionally, the first key feature comprises a first palmprint feature, a first keypoint feature, and/or a first skin feature; the second key features include a second palmprint feature, a second keypoint feature, and/or a second skin feature.

In step S916, feature similarity between the palm image and the target palm image is calculated based on the first key feature and the second key feature.

Specifically, the palm print similarity, the keypoint similarity, and/or the skin color similarity may be calculated based on the first palm print feature, the first keypoint feature, and/or the first skin feature and the second palm print feature, the second keypoint feature, and/or the second skin feature.

Step S918, if the feature similarity is larger than the similarity threshold, determining that the payment of the user is successful, and sending a successful notification of the user to the payment server for order payment processing.

Specifically, if the calculated palmprint similarity, the similarity of the key points and the similarity of the skin color are any one of the palmprint similarity, the similarity of the key points and the similarity of the skin color, the successful payment core of the user is determined under the condition that the similarity of any one is greater than a similarity threshold; if any of the palm print similarity, the key point similarity and the skin color similarity are obtained through calculation, the success of the payment core of the user is determined under the condition that the similarity of any of the palm print similarity, the key point similarity and the skin color similarity is larger than the corresponding similarity threshold value, and if the similarity of any of the palm print similarity, the key point similarity and the skin color similarity is smaller than the similarity threshold value, the failure of the payment core of the user is determined.

It should be added that, the step S918 may be replaced by determining that the payment core of the user fails if the feature similarity is less than or equal to the similarity threshold.

The following further describes the palm-based payment processing method provided in this embodiment, referring to fig. 10, by taking an application of the palm-based payment processing method provided in this embodiment to a palm payment scene as an example, and specifically includes the following steps.

Step S1006, a payment check body request submitted by a user terminal for self-order payment through a palm payment channel is obtained.

Step S1008, responding to the payment request, transferring the body checking authority of the user for the payment body checking at the payment machine to the user terminal, and generating an image acquisition instruction after transferring to issue to the user terminal.

Step 1016, acquiring a palm acquisition video stream sent by the user terminal, and issuing the palm acquisition video stream to the payment machine.

Step S1022, receiving the palm image collected by the user terminal, and determining the target palm image in the reference palm image of the user according to the palm type of the palm image.

Step S1024, based on the first key feature of the palm image and the second key feature of the target palm image, the user is checked for payment, so as to perform the order payment processing after the check for payment is successful.

The steps S1006 to S1008, S1016, and S1022 to S1024 provided in the present embodiment may be executed by a server, and it should be noted that the processes of steps S1006 to S1008, S1016, and S1022 to S1024 executed by the server are mutually matched with the processes of steps S1002 to S1004, steps S1010 to S1014, and steps S1018 to S1020 provided in the following embodiment, so that the relevant content of steps S1002 to S1004, steps S1010 to S1014, and steps S1018 to S1020 is read in the present embodiment, and the relevant content of steps S1002 to S1004, steps S1010 to S1014, and steps S1018 to S1020 is read in the following embodiment, and the relevant content of steps S1006 to S1008, steps S1016, and steps S1022 to S1024 is also referred to in the present embodiment.

One or more embodiments of another palm-based payment processing method provided herein are as follows:

Referring to fig. 11, the palm-based payment processing method provided in the present embodiment specifically includes steps S1102 to S1106.

The palm-based payment processing method provided in the present embodiment may be applied to a user terminal, the palm-based payment processing method provided in the above embodiment may be applied to a server, the palm-based payment processing method provided in the present embodiment may be applied to a user terminal, and in the executing process, the palm-based payment processing method provided in the above embodiment may be matched with the palm-based payment processing method provided in the above embodiment and applied to a server, and the relevant content of the above embodiment may be referred to when the present embodiment is read, and correspondingly, the corresponding content of the present embodiment may also be referred to when the above embodiment is read.

Step S1102, an image acquisition instruction issued by the server is acquired, and an image acquisition page is entered based on the image acquisition instruction.

Optionally, the image acquisition instruction is issued after detecting a payment check request of the user for self-service order payment through a palm payment channel; the payment core request is generated after a payment core action is performed by a payment tool configured based on a merchant. When the method is implemented, a server obtains a payment check body request for self-service order payment through a palm payment channel, responds to the payment check body request, transfers check body permission of the user for payment check body at a payment machine to a user terminal, transfers the check body permission to the user terminal, and generates an image acquisition instruction after transfer to be issued to the user terminal.

The palm payment channel comprises a channel for carrying out order payment or payment verification by collecting palm images; the self-service order payment comprises the step that the user performs the order payment by self without help of external personnel such as cashiers. The payment verification request comprises a payment verification request, namely identity verification is carried out on the self-service order payment of the user. The embodiment can be applied to a user terminal.

When the method is implemented, after the fact that the user executes the payment check-up action based on the payment machine configured by the merchant is detected, a payment check-up request for the user to pay the self-service order through the palm payment channel can be generated; in practical application, in one case, a user can scan a payment check body code displayed by a display component of a payment machine configured by a merchant through a rear camera or a front camera of the user terminal, and the user terminal submits a payment check body request to a server through scanning the payment check body code; in another case, the user may trigger a payment core control displayed by a display component of a merchant configured payment instrument, and submit a payment core request by triggering the payment core control, where the payment core request may be submitted by the payment instrument to a server.

In practical application, in the process that a user pays an order on a payment tool, a payment check body identifier can be displayed on a display component of the payment tool, in order to improve convenience of the user in scanning the payment check body identifier through a user terminal, improve use experience of the user, a server can determine display position data of the payment check body identifier of the payment tool and issue the payment check body identifier to the payment tool according to palm operation data of the user detected by a user terminal calling sensor before acquiring a payment check body request of the user in self-service order payment through a palm payment channel, and the server can execute the following operations before acquiring the payment check body request of the user in self-service order payment through the palm payment channel:

Correspondingly, in an optional implementation manner provided in this embodiment, the user terminal obtains an image acquisition instruction issued by the server, and further performs the following operations before entering the image acquisition page based on the image acquisition instruction for execution:

invoking a sensor to detect palm operation data of the user;

and uploading the palm operation data to the server so as to determine the display position data of the payment nuclear identity on the payment machine based on the palm operation data.

The above-mentioned determining the type of the user's operation palm based on the light shielding data, determining the process of the display position data of the payment core identifier on the payment tool according to the type of the user's operation palm, the server may determine the type of the user's operation palm based on the light shielding area of the display assembly of the user's palm on the user terminal by determining the type of the user's operation palm based on the light shielding area, if the type of the operation palm is a preset palm type, determining the display position of the payment core identifier on the payment tool as the first display position, and if the type of the operation palm is not a preset palm type, determining the display position of the payment core identifier on the payment tool as the second display position. If the light shielding area is the left area of the display component of the user terminal, the operation palm type of the user can be determined to be the left palm type, and if the light shielding area is the right area of the display component of the user terminal, the operation palm type of the user can be determined to be the right palm type.

The server can acquire the entity checking reminding of the user for paying the entity checking in the payment machine before acquiring the payment entity checking request of the user for paying the self-order through the palm payment channel, and can issue the entity checking transfer channel or the channel identification of the payment entity checking channel for entity checking authority transfer to the payment machine based on the entity checking reminding; optionally, the channel identifier of the entity transfer channel includes a control identifier and/or a payment entity code of the payment entity control. The user may perform a payment transaction based on the transaction transfer channel of the payment instrument and generate a payment transaction request.

The server acquires a payment check body request for the user to pay the self-service order through the palm payment channel, and after that, in order to improve the flexibility and convenience of the user to pay the check body, the server transfers the check body authority of the user to the user terminal after acquiring the payment check body request. The check authority comprises a check authority for checking the identity of a user in the process of order payment by a payment machine.

In the implementation, before the user pays for the body through the palm, the server can acquire a reference palm image of the user through the user terminal and is used for paying for the body of the user based on the palm image acquired in real time and the reference palm image; optionally, the reference palm image and the payment identifier of the user establish a binding relationship; and the core right is opened to the user after the binding relation is established. Wherein the payment identification includes a payment account number.

In a specific execution process, in a process of transferring the body checking authority of a user for checking the payment at the payment machine to the user terminal, in order to timely acquire the palm image of the user, the server may execute the following operations: and transferring the nuclear body authority to the user terminal, and generating an image acquisition instruction after transferring to be issued to the user terminal.

In practical application, a specific user has a mobile phone operation obstacle, such as the familiarity of the old user to the mobile phone is insufficient, the operation is unskilled, for this purpose, in order to promote the convenience of the specific user for payment verification, promote the success rate and the passing rate of the specific user for payment verification, the server can synchronize the palm acquisition video stream of the user terminal for acquiring the palm image to the payment tool, that is, the user can check the process of the user terminal for acquiring or shooting the palm image on the payment tool, reduce the operation times of the specific user to the user terminal, and promote the perception degree of the specific user through the payment tool, specifically, after responding to the payment nuclear body request, the server transfers the nuclear body authority of the user for payment nuclear body to the user terminal for execution, the palm acquisition video stream sent by the user terminal is issued to the payment tool, and the following operations can be specifically executed in this process:

Correspondingly, in an optional implementation manner provided in this embodiment, after an image acquisition instruction issued by a server is acquired and an image acquisition page is entered based on the image acquisition instruction to be executed, the user terminal performs the following operations:

acquiring a palm acquisition video stream acquired by calling the rear camera through the image acquisition page under the condition that a display assembly is in a preset display state;

and sending the palm acquisition video stream to the server so as to send the palm acquisition video stream to the payment machine to determine the palm image.

After the server issues the palm acquisition video stream to the payment tool to determine that the palm image is executed in the palm acquisition video stream by the payment tool, the server may further execute the following operations:

Correspondingly, in an optional implementation manner provided in this embodiment, after the image acquisition instruction issued by the server is acquired and the image acquisition instruction is executed on the basis of entering the image acquisition page, the following operations are further executed:

And acquiring a determining instruction of the palm image in the palm acquisition video stream, which is sent by the payment machine and issued by the server.

In addition, after the server issues the palm acquisition video stream to the payment tool to confirm that the palm images are executed in the palm acquisition video stream through the payment tool, in order to further reduce the operating frequency of a specific user on a user terminal or the payment tool, the server can receive target palm acquisition images of a preset number in the palm acquisition video stream, which are acquired by the user terminal through a timing acquisition task, as palm images acquired by a user terminal calling a rear camera, namely, as the palm images for carrying out payment on a nuclear body.

In addition, after the user terminal acquires an image acquisition instruction issued by the server and enters an image acquisition page to be executed based on the image acquisition instruction, the user terminal can also establish data connection with a payment tool, for example, establish data connection through Bluetooth, the user terminal can acquire a palm acquisition video stream acquired by calling the rear camera through the image acquisition page under the condition that the display component is in a preset display state, and directly synchronize the palm acquisition video stream to the payment tool so as to determine the palm image in the palm acquisition video stream by the payment tool;

or after the user terminal synchronizes the palm acquisition video stream to the payment machine, the user terminal can acquire a preset number of target palm acquisition images in the palm acquisition video through the timing acquisition task and send the target palm acquisition images to the server, the server can receive the preset number of target palm acquisition images in the palm acquisition video stream acquired through the timing acquisition task by the user terminal, and the palm acquisition images are screened out from the target palm acquisition images according to the image indexes of the target palm acquisition images to serve as palm images acquired by the user terminal by calling a rear camera, namely the palm images which are used as the palm images for payment nuclear bodies.

And step S1104, acquiring a palm image of the user acquired by calling the rear camera through the image acquisition page.

The image acquisition instruction issued by the server is acquired, the image acquisition instruction enters an image acquisition page based on the image acquisition instruction, and in the step, the palm image of the user acquired by calling the rear camera through the image acquisition page is acquired.

In a specific implementation, in an optional implementation manner provided in this embodiment, in a process of acquiring a palm image of a user acquired by calling a rear camera through the image acquisition page, the following operations are performed:

and acquiring the palm image acquired by calling the rear camera through the image acquisition page based on the determining instruction.

Step S1106, transmitting the palm image to the server, so as to pay the user for the user according to the palm image and a target palm image determined in the reference palm image of the user based on the palm type.

After the user terminal sends the palm image to the server, the server receives the palm image acquired by calling the rear camera by the user terminal, determines a target palm image in the reference palm image of the user according to the palm type of the palm image, and pays the user for checking the body based on the palm image and the target palm image so as to pay the order after successful payment checking the body. Optionally, the order payment processing is performed after the payment verification is successful.

The palm image is an image of the palm of the user acquired in real time; the palm type comprises a left palm type and a right palm type; the reference palm image includes a palm image as a comparison reference of the payment core body.

Specifically, in the process of identifying the palm type of the palm image, the server can determine the palm type according to the palm shape feature and/or the palm orientation feature in the palm image, and select the palm image consistent with the palm type from the reference palm images of the user as the target palm image.

In practical application, the server can acquire a reference palm image of a user in advance, and the reference palm image is used for paying a check body, so that convenience of paying the check body is improved, and the reference palm image is optional and consists of a first palm image and a second palm image; the second palm image is acquired after the image evaluation of the first palm image is passed, the first palm image and the second palm image are taken as reference palm images after the image evaluation of the second palm image is passed, and the reference palm images can be obtained by the following steps:

In order to avoid that the first palm image and the second palm image acquired by the user are images of the same palm type, which cause image waste of the reference palm image, the image evaluation of the second palm image can be realized in the following manner:

In addition, in order to further improve the effectiveness of image evaluation of the second palm image, improve the effectiveness of the reference palm image, avoid the first palm image and the second palm image that gather to be the palm images of different users, ensure that the first palm image and the second palm image are the palm images of the same user, can carry out image evaluation to the second palm image according to the mirror image similarity of the first palm image and the second palm image, the image evaluation of the second palm image also can be realized by adopting the following mode: calculating mirror image similarity of the palm based on the first palm image and the second palm image;

In addition, the image evaluation of the second palm image may be implemented as follows: and calculating the skin color matching degree according to the first palm image and the second palm image, if the skin color matching degree is larger than a matching degree threshold value, determining that the image evaluation of the second palm image is passed, and if the skin color matching degree is smaller than or equal to the matching degree threshold value, determining that the image evaluation of the second palm image is not passed.

The server receives the palm image acquired by calling the rear camera by the user terminal, determines a target palm image in the reference palm image of the user according to the palm type of the palm image, and then pays the user for checking the user based on the palm image and the target palm image so as to pay the order after the user is successful in paying the check, thereby improving the safety of order payment. The payment verification in this embodiment includes identity verification performed during the payment process.

In the implementation, in the process of paying the user for the user based on the palm image and the target palm image, in order to improve the accuracy and the effectiveness of paying the user, the server can calculate the feature similarity according to the first key feature extracted from the palm image and the second key feature extracted from the target palm image, and if the feature similarity is greater than a similarity threshold, the server determines that the payment of the user is successful; specifically, in the process of paying the user for the user based on the palm image and the target palm image, the server may perform the following operations:

Optionally, the first key feature includes at least one of: palmprint features, key point features, skin features; the second key feature comprises at least one of: palmprint features, key point features, skin features. Wherein the keypoint feature comprises a keypoint feature of a finger in the palm, such as a root keypoint of a finger in the palm.

Specifically, the server may extract a first palm print feature, a first keypoint feature, and/or a first skin feature from the palm image, and extract a second palm print feature, a second keypoint feature, and/or a second skin feature from the target palm image; and calculating the feature similarity of the palm image and the target palm image based on the first palm print feature, the first key point feature and/or the first skin feature, the second palm print feature, the second key point feature and/or the second skin feature, if the feature similarity is larger than a similarity threshold value, determining that the payment core is successful, and if the feature similarity is smaller than or equal to the similarity threshold value, determining that the payment core is failed.

After the feature similarity between the palm image and the target palm image is calculated based on the first key feature and the second key feature, in order to improve the validity of the payment core, in the case that the feature similarity is less than or equal to the similarity threshold, the server may further perform the following operations:

In a specific execution process, after the server carries out payment verification on the user based on the palm image and the target palm image, if the payment verification is successful, the server generates a verification success prompt to be sent to the payment server, and the payment server carries out order payment processing; optionally, the order payment processing includes:

In practical application, partial users may have palm skin disease or other emergency, which causes failure of payment core, even failure of payment core for several times, for this purpose, in order to prompt users to pass through the payment core as soon as possible, reduce occurrence of payment crowding, the server may determine secondary payment core result of users according to associated palm images of associated users of users under the condition of failure of payment core; specifically, after the payment core is executed for the user based on the palm image and the target palm image, the server may further execute the following operations:

Specifically, the process of determining the secondary payment verification result of the user according to the associated palm image uploaded by the associated user can be realized by determining the reference image of the associated user according to the associated palm image uploaded by the associated user and performing secondary payment verification on the user according to the associated palm image and the reference image; the process of the secondary payment core is similar to the above-mentioned process of the payment core, and this embodiment is not repeated here.

Step S1002, a payment check code displayed on a display screen of a payment machine is scanned through a rear camera.

Step S1004, submitting a payment check-up request for the user to pay the self-order through the palm payment channel to the server based on the decoding result of the payment check-up code.

Step S1010, acquiring an image acquisition instruction issued by a server, and entering an image acquisition page based on the image acquisition instruction.

Step S1012, acquiring a palm acquisition video stream acquired by calling a rear camera through an image acquisition page when a display screen is in a black screen state.

Step S1014, transmitting the palm acquisition video stream to the server.

Step S1018, collecting a preset number of target palm collected images in the palm collected video stream as palm images through the image collecting page based on the timing collecting task.

Step S1020, transmitting the palm image to the server.

The embodiment of a palm-based payment processing apparatus provided in the present specification is as follows:

in the foregoing embodiments, a palm-based payment processing method is provided, and a palm-based payment processing apparatus is provided corresponding thereto, which will be described below with reference to the accompanying drawings.

Referring to fig. 12, a schematic diagram of an embodiment of a palm-based payment processing apparatus provided in this embodiment is shown.

Since the apparatus embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions should be referred to the corresponding descriptions of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides a palm-based payment processing apparatus, including:

a request acquisition module 1202 configured to acquire a payment request for a user to pay for a self-order via a palm payment channel; the payment core request is generated after the payment core action of the payment machine configured based on the merchant is detected;

the permission transfer module 1204 is configured to transfer the entity permission of the user for payment entity at the payment tool to a user terminal in response to the payment entity request;

An image determining module 1206, configured to receive a palm image acquired by the user terminal calling a rear camera, and determine a target palm image in the reference palm image of the user according to a palm type of the palm image;

a payment checking module 1208 configured to check the payment for the user based on the palm image and the target palm image, so as to perform an order payment process after the payment checking is successful.

Another embodiment of a palm-based payment processing apparatus provided in the present specification is as follows:

in the above-described embodiments, another palm-based payment processing method is provided, and correspondingly, another palm-based payment processing apparatus is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 13, a schematic diagram of an embodiment of a palm-based payment processing apparatus provided in this embodiment is shown.

The page entering module 1302 is configured to acquire an image acquisition instruction issued by the server and enter an image acquisition page based on the image acquisition instruction;

an image acquisition module 1304 configured to acquire a palm image of a user acquired by invoking a rear camera through the image acquisition page;

an image transmission module 1306 configured to transmit the palm image to the server to pay a user for a nuclear body according to the palm image and a target palm image determined in a reference palm image of the user based on a palm type; after the payment verification is successful, order payment processing is carried out; the image acquisition instruction is issued after detecting a payment check body request of the user for self-service order payment through a palm payment channel; the payment core request is generated after a payment core action is performed by a payment tool configured based on a merchant.

An embodiment of a palm-based payment processing apparatus provided in the present specification is as follows:

in correspondence to the above-described palm-based payment processing method, based on the same technical concept, one or more embodiments of the present disclosure further provide a palm-based payment processing apparatus for performing the above-provided palm-based payment processing method, and fig. 14 is a schematic structural diagram of the palm-based payment processing apparatus provided by the one or more embodiments of the present disclosure.

The payment processing apparatus based on palm that this embodiment provided includes:

as shown in fig. 14, the palm-based payment processing apparatus may be configured or configured differently to provide a relatively large variance, may include one or more processors 1401 and memory 1402, and may have one or more stored applications or data stored in memory 1402. Wherein memory 1402 may be a transitory storage or a persistent storage. The application program stored in memory 1402 may include one or more modules (not shown in the figures), each of which may include a series of computer-executable instructions in a palm-based payment processing device. Still further, the processor 1401 may be configured to communicate with the memory 1402, executing a series of computer-executable instructions in the memory 1402 on a palm-based payment processing device. The palm-based payment processing device may also include one or more power supplies 1403, one or more wired or wireless network interfaces 1404, one or more input/output interfaces 1405, one or more keyboards 1406, and the like.

In one particular embodiment, a palm-based payment processing device includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the palm-based payment processing device, and configured to be executed by the one or more processors, the one or more programs including computer-executable instructions for:

Acquiring a payment check body request for the user to pay the self-service order through a palm payment channel; the payment core request is generated after the payment core action of the payment machine configured based on the merchant is detected;

responding to the payment request, and transferring the entity checking authority of the user for the payment entity checking at the payment machine to a user terminal;

receiving a palm image acquired by the user terminal calling a rear camera, and determining a target palm image in a reference palm image of the user according to the palm type of the palm image;

and carrying out payment verification on the user based on the palm image and the target palm image so as to carry out order payment processing after successful verification of the payment verification.

Another palm-based payment processing apparatus embodiment provided in this specification is as follows:

in correspondence to the above-described another palm-based payment processing method, based on the same technical concept, one or more embodiments of the present disclosure further provide another palm-based payment processing apparatus for performing the above-provided another palm-based payment processing method, and fig. 15 is a schematic structural diagram of one or more embodiments of the present disclosure.

as shown in fig. 15, the palm-based payment processing apparatus may be configured or configured to vary significantly, and may include one or more processors 1501 and memory 1502, where the memory 1502 may store one or more storage applications or data. Wherein the memory 1502 may be transient storage or persistent storage. The application programs stored in the memory 1502 may include one or more modules (not shown in the figures), each of which may include a series of computer-executable instructions in the palm-based payment processing device. Still further, the processor 1501 may be arranged to communicate with the memory 1502 to execute a series of computer executable instructions in the memory 1502 on a palm-based payment processing device. The palm-based payment processing device may also include one or more power supplies 1503, one or more wired or wireless network interfaces 1504, one or more input/output interfaces 1505, one or more keyboards 1506, and the like.

Acquiring an image acquisition instruction issued by a server, and entering an image acquisition page based on the image acquisition instruction;

acquiring a palm image of a user acquired by calling a rear camera through the image acquisition page;

transmitting the palm image to the server to pay for the user by the palm image and a target palm image determined in a reference palm image of the user based on a palm type; after the payment verification is successful, order payment processing is carried out;

the image acquisition instruction is issued after detecting a payment check body request of the user for self-service order payment through a palm payment channel; the payment core request is generated after a payment core action is performed by a payment tool configured based on a merchant.

An embodiment of a storage medium provided in the present specification is as follows:

corresponding to the palm-based payment processing method described above, one or more embodiments of the present specification further provide a storage medium based on the same technical idea.

The storage medium provided in this embodiment is configured to store computer executable instructions that, when executed by a processor, implement the following flow:

It should be noted that, in the present specification, an embodiment of a storage medium and an embodiment of a palm-based payment processing method in the present specification are based on the same inventive concept, so that a specific implementation of the embodiment may refer to an implementation of the foregoing corresponding method, and a repetition is omitted.

Another storage medium embodiment provided in this specification is as follows:

corresponding to the other palm-based payment processing method described above, one or more embodiments of the present specification also provide another storage medium based on the same technical idea.

It should be noted that, in the present specification, an embodiment of another storage medium and an embodiment of another palm-based payment processing method in the present specification are based on the same inventive concept, so that a specific implementation of the embodiment may refer to an implementation of the foregoing corresponding method, and a repetition is omitted.

In this specification, each embodiment is described in a progressive manner, and the same or similar parts of each embodiment are referred to each other, and each embodiment focuses on the differences from other embodiments, for example, an apparatus embodiment, and a storage medium embodiment, which are all similar to a method embodiment, so that description is relatively simple, and relevant content in reading apparatus embodiments, and storage medium embodiments is referred to the part description of the method embodiment.

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

In the 30 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.

The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each unit may be implemented in the same piece or pieces of software and/or hardware when implementing the embodiments of the present specification.

One skilled in the relevant art will recognize that 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, the present description can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.

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

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

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

In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.

Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Disks (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.

One or more embodiments of the present specification may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.

The foregoing description is by way of example only and is not intended to limit the present disclosure. Various modifications and changes may occur to those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. that fall within the spirit and principles of the present document are intended to be included within the scope of the claims of the present document.

Claims

1. A palm-based payment processing method, comprising:

2. The palm-based payment processing method according to claim 1, the reference palm image being obtained by:

acquiring a payment identifier input by the user based on an acquisition instruction submitted by the user through a subroutine so as to carry out identity verification on the user based on the payment identifier;

and if the image evaluation of the second palm image is passed, taking the first palm image and the second palm image as the reference palm image.

3. The palm-based payment processing method of claim 2, the image evaluation of the second palm image comprising:

and if the palm type is inconsistent with the palm type of the first palm image, determining that the image evaluation of the second palm image passes.

4. The palm-based payment processing method of claim 1, the payment core action comprising:

and scanning the scanning action of the payment nuclear identity displayed by the display component of the payment machine tool through the rear camera, or triggering the triggering action of the payment nuclear control displayed by the display component.

5. The palm-based payment processing method of claim 1, the reference palm image establishing a binding relationship with a payment identity of the user; and the core right is opened to the user after the binding relation is established.

6. The palm-based payment processing method according to claim 1, the payment core for the user based on the palm image and the target palm image, comprising:

And if the feature similarity is larger than a similarity threshold, determining that the payment verification is successful.

7. The palm-based payment processing method of claim 6, the computing feature similarity sub-step of the palm image and the target palm image based on the first key feature and the second key feature, after execution, further comprising:

8. The palm-based payment processing method of claim 6, the first key feature comprising at least one of: palmprint features, key point features, skin features.

9. The palm-based payment processing method according to claim 1, the transferring the body permission of the user to pay the body at the payment tool to the user terminal, comprising:

and transferring the nuclear body authority to the user terminal, and generating an image acquisition instruction after transferring to be issued to the user terminal.

10. The palm-based payment processing method of claim 1, the order payment processing comprising:

11. The palm-based payment processing method of claim 2, the image evaluation of the second palm image comprising:

and if the mirror image similarity is larger than a similarity threshold, determining that the image evaluation of the second palm image is passed.

12. The palm-based payment processing method according to claim 1, wherein before the step of obtaining a payment request for a user to make a self-order payment via a palm payment channel is performed, further comprising:

13. The palm-based payment processing method according to claim 1, wherein after the step of transferring the user's body permission of the payment machine to the user terminal for performing the payment body, and before the step of receiving the palm image acquired by the user terminal by calling the rear camera, and determining the target palm image in the reference palm image of the user according to the palm type of the palm image, the method further comprises:

acquiring a palm acquisition video stream sent by the user terminal; the palm acquires a video stream, and the video stream is acquired and obtained by the rear camera under the condition that a display component of the user terminal is in a preset display state;

14. The palm-based payment processing method of claim 13, the issuing the palm-capture video stream to the payment instrument to determine, by the payment instrument, after the palm-image step is performed in the palm-capture video stream, further comprising:

15. The palm-based payment processing method according to claim 1, further comprising, after the payment core operation is performed on the user based on the palm image and the target palm image:

16. A palm-based payment processing method, comprising:

17. The palm-based payment processing method according to claim 16, wherein the acquiring the image acquisition instruction issued by the server and before the step of entering the image acquisition page based on the image acquisition instruction is performed, further comprises:

invoking a sensor to detect palm operation data of the user;

18. The palm-based payment processing method according to claim 16, wherein after the step of acquiring the image acquisition instruction issued by the server and entering the image acquisition page based on the image acquisition instruction is performed, and before the step of acquiring the palm image of the user acquired by the image acquisition page by calling the rear camera, the method further comprises:

19. The palm-based payment processing method of claim 18, the transmitting the palm-capture video stream to the server for subsequent execution of the determining of the palm image to the payment instrument further comprising:

acquiring a determining instruction sent by the payment machine and sent by the server for acquiring the palm image in the video stream by the palm;

correspondingly, the acquiring the palm image of the user acquired by calling the rear camera through the image acquisition page comprises the following steps:

20. A palm-based payment processing apparatus, comprising:

the request acquisition module is configured to acquire a payment verification request for self-service order payment of a user through a palm payment channel; the payment core request is generated after the payment core action of the payment machine configured based on the merchant is detected;

the permission transfer module is configured to respond to the payment core request and transfer core permission of the user for payment core at the payment machine to a user terminal;

The image determining module is configured to receive a palm image acquired by calling a rear camera by the user terminal and determine a target palm image in a reference palm image of the user according to the palm type of the palm image;

and the payment checking module is configured to check the payment of the user based on the palm image and the target palm image so as to perform order payment processing after the successful check of the payment.

21. A palm-based payment processing apparatus, comprising:

the page entering module is configured to acquire an image acquisition instruction issued by the server and enter an image acquisition page based on the image acquisition instruction;

the image acquisition module is configured to acquire palm images of a user acquired by calling a rear camera through the image acquisition page;

an image transmission module configured to transmit the palm image to the server to pay a user for a nuclear body according to the palm image and a target palm image determined in a reference palm image of the user based on a palm type; after the payment verification is successful, order payment processing is carried out; the image acquisition instruction is issued after detecting a payment check body request of the user for self-service order payment through a palm payment channel; the payment core request is generated after a payment core action is performed by a payment tool configured based on a merchant.

22. A palm-based payment processing apparatus comprising:

a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to:

23. A palm-based payment processing apparatus comprising:

24. A storage medium storing computer-executable instructions that when executed by a processor implement the following:

25. A storage medium storing computer-executable instructions that when executed by a processor implement the following: