CN116757688A - Enterprise payment method, device, equipment, storage medium and program product - Google Patents
Enterprise payment method, device, equipment, storage medium and program product Download PDFInfo
- Publication number
- CN116757688A CN116757688A CN202310785436.5A CN202310785436A CN116757688A CN 116757688 A CN116757688 A CN 116757688A CN 202310785436 A CN202310785436 A CN 202310785436A CN 116757688 A CN116757688 A CN 116757688A
- Authority
- CN
- China
- Prior art keywords
- terminal
- payment
- face image
- serial number
- account
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 56
- 238000012795 verification Methods 0.000 claims description 55
- 230000009471 action Effects 0.000 claims description 37
- 238000004590 computer program Methods 0.000 claims description 20
- 238000013475 authorization Methods 0.000 claims description 10
- 238000012011 method of payment Methods 0.000 claims description 5
- 238000012546 transfer Methods 0.000 description 29
- 230000008569 process Effects 0.000 description 10
- 238000010586 diagram Methods 0.000 description 8
- 238000004891 communication Methods 0.000 description 6
- 238000013507 mapping Methods 0.000 description 6
- 230000003287 optical effect Effects 0.000 description 5
- 238000012545 processing Methods 0.000 description 4
- 230000007613 environmental effect Effects 0.000 description 3
- 230000006870 function Effects 0.000 description 3
- 230000008859 change Effects 0.000 description 2
- 238000006243 chemical reaction Methods 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 239000013598 vector Substances 0.000 description 2
- 238000007792 addition Methods 0.000 description 1
- 230000005540 biological transmission Effects 0.000 description 1
- 238000001514 detection method Methods 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
- 239000000835 fiber Substances 0.000 description 1
- 238000000691 measurement method Methods 0.000 description 1
- 230000005055 memory storage Effects 0.000 description 1
- 230000002093 peripheral effect Effects 0.000 description 1
- 238000007781 pre-processing Methods 0.000 description 1
- 238000011084 recovery Methods 0.000 description 1
- 239000004065 semiconductor Substances 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- General Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The application discloses a payment method, a payment device, a payment storage medium and a payment program product of enterprises. The method comprises the following steps: the method comprises the steps of obtaining a payment request sent by a first terminal of a first account, wherein the payment request is a request to carry out payment operation on a second account through the first account, generating a first serial number and a coding graph associated with the first serial number according to the payment request, sending the first serial number and the coding graph to the first terminal, enabling the first terminal to display the coding graph on a display interface, receiving a face image to be identified sent by a second terminal, wherein the face image to be identified is obtained by shooting the second terminal on a target shooting interface, the target shooting interface is a shooting interface associated with the coding graph, and executing the payment operation under the condition that the face image to be identified passes authentication. According to the embodiment of the application, the safety of payment operation can be improved.
Description
Technical Field
The present application belongs to the technical field of data service, and in particular, relates to a payment method, apparatus, device, storage medium and program product for an enterprise.
Background
In the twenty-first century of the rapid development of the internet, people's queuing time to counter can be greatly saved by internet transfer, which is very common in people's life. The enterprise network bank has a plurality of operator accounts when transferring accounts, and each operator account corresponds to a different operator identity. The transfer operation can be performed by each operator account. Before logging in an operator account, the identity of the operator needs to be checked, and the current general identity checking mode is through password checking, short message verification code checking or external general shield checking. In the verification modes, as long as a password or a short message verification code or a universal shield can be obtained, any person can make a transfer bill, so that the identity of the person who operates the transfer bill cannot be accurately confirmed, and the security of enterprise internet banking transfer is low.
Disclosure of Invention
The embodiment of the application provides a payment method, a device, equipment, a storage medium and a program product for enterprises, which can solve the problem of lower security of the existing enterprise online banking transfer.
In a first aspect, an embodiment of the present application provides a payment method for an enterprise, where the method includes:
acquiring a payment request sent by a first terminal of a first account, wherein the payment request is a request for carrying out payment operation to a second account through the first account;
generating a first serial number according to the payment request, and a coding graph associated with the first serial number;
transmitting the first serial number and the coding graph to the first terminal so that the first terminal displays the coding graph on a display interface;
receiving a face image to be recognized sent by a second terminal, wherein the face image to be recognized is obtained by shooting a target shooting interface of the second terminal, and the target shooting interface is a shooting interface associated with the coding graph;
and executing the payment operation under the condition that the face image to be identified passes authentication.
In some embodiments, the generating a first serial number according to the payment request, and the encoding graph associated with the first serial number, includes:
generating a first serial number according to the payment request;
determining at least one target verification action according to the first serial number;
generating a coding graph associated with the first serial number according to the target verification action, and after the second terminal enters a target shooting interface associated with the coding graph, displaying verification prompt information on the target shooting interface, wherein the verification prompt information is used for prompting a user to shoot with the at least one target verification action to obtain the face graph to be recognized.
In some embodiments, the first serial number includes at least one character, and the determining at least one target verification action according to the first serial number includes:
converting each character in at least one character of the first serial number into an integer to obtain at least one integer;
calculating the sum of the at least one integer to obtain a first sum value;
at least one target verification action is generated from the first sum.
In some embodiments, before the payment request sent by the first terminal that obtains the first account, the method further includes:
acquiring an account login request of the first account sent by the first terminal;
checking the account login request;
and sending authorization information of the first account to the first terminal under the condition that the account login request passes verification, wherein the authorization information is used for authorizing the first account to login on the first terminal.
In some embodiments, before performing the payment operation, if the face image to be identified is authenticated, the method further includes:
receiving encryption information sent by the second terminal;
analyzing the encryption information to obtain a second serial number;
acquiring a target face image corresponding to the second serial number;
and authenticating the face image to be recognized according to the target face image.
In some embodiments, the authenticating the face image to be identified according to the target face image includes:
matching the target face image with the face image to be identified to obtain matching degree;
and authenticating the face image to be identified according to the matching degree.
In a second aspect, an embodiment of the present application provides a payment apparatus for an enterprise, the apparatus including:
the acquisition module is used for acquiring a payment request sent by a first terminal of a first account, wherein the payment request is a request for carrying out payment operation to a second account through the first account;
the generation module is used for generating a first serial number according to the payment request and a coding graph associated with the first serial number;
the sending module is used for sending the first serial number and the coding graph to the first terminal so that the first terminal can display the coding graph on a display interface;
the receiving module is used for receiving a face image to be recognized sent by a second terminal, wherein the face image to be recognized is obtained by shooting a target shooting interface of the second terminal, and the target shooting interface is a shooting interface associated with the coding graph;
and the execution module is used for executing the payment operation under the condition that the face image authentication to be identified passes.
In a third aspect, an embodiment of the present application provides a payment device for an enterprise, the device including: a processor and a memory storing computer program instructions;
the processor, when executing the computer program instructions, implements the business' payment method as described above.
In a fourth aspect, embodiments of the present application provide a computer storage medium having stored thereon computer program instructions which, when executed by a processor, implement a payment method for an enterprise as above.
In a fifth aspect, embodiments of the present application provide a computer program product comprising computer program instructions which, when executed by a processor, implement a method of payment for an enterprise as above.
According to the application, through acquiring a payment request sent by a first terminal of a first account, then generating a first serial number according to the payment request, and sending the first serial number and the coding pattern to the first terminal, the first terminal displays the coding pattern on a display interface, the second terminal can shoot a face image to be identified based on the coding pattern, and sends the face image to be identified to a server, the server can authenticate the face image to be identified, and the payment operation is executed under the condition that the authentication of the face image to be identified is passed. Through the mode, even if an operator performs transfer operation on the first terminal with low configuration of the environmental camera or without the camera, the first terminal and the second terminal can be associated by the coding graph, and face identity verification is performed based on the second terminal, so that face recognition and enterprise transfer operation are combined, and the security of enterprise online banking transfer is improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are needed in the embodiments of the present application will be briefly described below, and it is obvious that the drawings described below are only some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort to a person of ordinary skill in the art.
FIG. 1 is a flow chart of a method for payment of an enterprise according to an embodiment of the present application;
fig. 2 is a schematic hardware structure of a payment device of an enterprise according to an embodiment of the present application;
fig. 3 is a schematic structural diagram of a payment device of an enterprise according to an embodiment of the present application.
Detailed Description
Features and exemplary embodiments of various aspects of the present application will be described in detail below, and in order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be described in further detail below with reference to the accompanying drawings and the detailed embodiments. It should be understood that the particular embodiments described herein are meant to be illustrative of the application only and not limiting. It will be apparent to one skilled in the art that the present application may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the application by showing examples of the application.
It is noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, 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 … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises an element.
The technical scheme of the application obtains, stores, uses, processes and the like the data, which all meet the relevant regulations of national laws and regulations.
It should be noted that, without conflict, the embodiments of the present application and features of the embodiments may be combined with each other. The embodiments will be described in detail below with reference to the accompanying drawings.
In the related art, the transfer operation of the enterprise internet bank is usually performed on an enterprise computer by an operator, however, the configuration of an enterprise computer environment camera operated by the enterprise internet bank is not high, and the acquired face information is blurred or the face acquisition cannot be performed without a camera. Therefore, the face identity verification cannot be performed on the enterprise computer. In the transfer operation of the enterprise network bank, only password verification, short message verification code verification or external general shield verification can be performed, so that the verification accuracy is low, and the security of the enterprise network bank transfer is reduced.
Specifically, in order to solve the problems in the prior art, embodiments of the present application provide a payment method, apparatus, device, storage medium, and program product for an enterprise. The following first describes a payment method for enterprises provided by the embodiment of the present application.
Fig. 1 is a schematic flow chart of a payment method of an enterprise according to an embodiment of the present application. The method comprises the following steps:
s110, acquiring a payment request sent by a first terminal of a first account, wherein the payment request is a request for performing payment operation to a second account through the first account.
In this embodiment, the first account and the second account are both accounts of an online bank. Online banking refers to a service for conducting banking and financial transactions through the internet. The user of the bank can log in the account number of the online bank on an online platform, which can be a website, a mobile application or other online platform, and can perform various banking operations on line, including inquiring account balance, transferring accounts, paying bills, applying for loans, purchasing financial products and the like.
The first account may be an enterprise account to be transferred, the second account may be any account other than the first account, and the payment operation is a transfer operation of the first account on the second account by an online bank. The first terminal is terminal equipment logged in a first account number, and can be a computer in an enterprise.
After the operator of the enterprise account transfer logs in the first account on the first terminal, a login interface of the first account is displayed on a display interface of the first terminal, the operator can continue to operate on the login interface, a payment request is generated in the first terminal, the payment request is sent to a server, and the server is used for receiving and processing the account transfer request of the user.
S120, generating a first serial number according to the payment request and a coding graph associated with the first serial number.
In this embodiment, for each event handled by the server, the server generates a unique number that identifies and tracks the event. It is typically composed of a series of numbers, letters or symbols. The first serial number is used to identify and track the payment request.
After the first serial number is generated, a coding graph associated with the first serial number can be generated, wherein the coding graph can be a two-dimensional code, a bar code and the like, and the coding graph can provide links or access information for operators: such as web addresses, contact information, product information, etc. By scanning or reading the encoded graphic, an operator may directly access relevant information or link to a particular web page, application, or the like.
And S130, the first serial number and the coding graph are sent to the first terminal, so that the first terminal displays the coding graph on a display interface.
In this embodiment, after the first serial number and the code pattern are generated in the server, the first serial number and the code pattern may be fed back to the first terminal, and after the first terminal receives the code pattern, the first terminal may display the code pattern on its display interface, and at this time, the operator may scan or read the code pattern with the second terminal, so that the data information contained in the code pattern may be obtained, or a web page or an application program linked with the code pattern may be accessed. In addition, the association relationship exists between the coding pattern and the first serial number, and the second terminal can acquire the first serial number after scanning the coding pattern.
And S140, receiving a face image to be recognized sent by a second terminal, wherein the face image to be recognized is obtained by shooting a target shooting interface of the second terminal, and the target shooting interface is a shooting interface associated with the coding graph.
In this embodiment, after displaying the coding pattern on the display interface of the first terminal, the second terminal may jump to a target shooting interface by scanning or reading the coding pattern, and in the case that the second terminal has a camera, the face recognition interface will start the camera of the second terminal, take the face image of the operator as the face image to be recognized at the target shooting interface by using the camera, send the face image to be recognized to the server, and further recognize and authenticate the face image to be recognized by the server.
And S150, executing the payment operation under the condition that the face image authentication to be identified passes.
In this embodiment, after the server receives the face image to be identified sent by the second terminal, the face image to be identified may be identified. Specifically, the process of recognition may be that a face image to be recognized is matched with a target face image in a target face image database stored in the server, when a target face image matched with the face image to be recognized exists in the target face image database, the face image to be recognized is considered to pass authentication, otherwise, the face image to be recognized is considered to fail authentication.
In the case that the face image to be recognized is authenticated, the server will perform the payment operation requested by the payment request. Illustratively, the payment operation is: the server will check the amount of the first account to ensure that there is sufficient funds in the account to perform payment operations, and if there is sufficient amount in the first account, the server may deduct the corresponding amount from the first account and deposit the amount into the second account, and record the detailed information of the transfer transaction, including the transfer amount, date, time, account number of the participant, etc., so as to perform transaction tracking and accounting recording.
According to the application, through acquiring the payment request sent by the first terminal of the first account, then generating the first serial number according to the payment request, and sending the first serial number and the coding graph associated with the first serial number to the first terminal, the first terminal displays the coding graph on a display interface, the second terminal can shoot the face image to be identified based on the coding graph and send the face image to be identified to the server, the server can authenticate the face image to be identified, and the payment operation is executed under the condition that the authentication of the face image to be identified is passed. Through the mode, even if an operator performs transfer operation on the first terminal with low configuration of the environmental camera or without the camera, the first terminal and the second terminal can be associated by the coding graph, and face identity verification is performed based on the second terminal, so that face recognition and enterprise transfer operation are combined, and the security of enterprise online banking transfer is improved.
As an alternative embodiment, S120 may include:
generating a first serial number according to the payment request;
determining at least one target verification action according to the first serial number;
generating a coding graph associated with the first serial number according to the target verification action, and after the second terminal enters a target shooting interface associated with the coding graph, displaying verification prompt information on the target shooting interface, wherein the verification prompt information is used for prompting a user to shoot with the at least one target verification action to obtain the face graph to be recognized.
In this embodiment, after the server receives the transfer request sent by the first terminal, the server generates a unique number for identifying and tracking the transfer request, i.e., the first serial number. The first serial number may be comprised of at least one of a series of numbers, letters, or symbols. The first running number may be a combined running number that combines a date, event, and increment sequence together, such as "20210601123456-001", or a time-stamped running number that is accurate to milliseconds, such as "1622556812345".
After the first serial number is determined, at least one target verification action corresponding to the first serial number can be determined based on an algorithm set in advance, wherein the target verification action is an action which is required to be performed by a user in the living body detection process, such as three-dimensional head rotation, random password reading, expression change and the like.
After determining at least one target action, the prompt information of the at least one target action can be stored in the coding graph, and then when the second terminal scans or reads the coding graph, the display interface of the second terminal can display the prompt information of the at least one target action so as to prompt a user of the second terminal to shoot with at least one target verification action, obtain a face graph to be identified corresponding to the at least one target verification action, and verify the face graph to be identified.
As an optional embodiment, the first serial number includes at least one character, and the determining at least one target verification action according to the first serial number includes:
converting each character in at least one character of the first serial number into an integer to obtain at least one integer;
calculating the sum of the at least one integer to obtain a first sum value;
at least one target verification action is generated from the first sum.
In this embodiment, since the first serial number is a character string composed of a plurality of characters, the characters may be digital characters, alphabetic characters, or symbolic characters. Each character in the string may be converted to a number to obtain at least one number, which may then be added to obtain a first sum value, from which at least one target authentication action may further be generated.
In an embodiment, a first mapping relationship between alphabetic characters and numbers and a second mapping relationship between symbolic characters and numbers may be established in advance, alphabetic characters are converted into numbers based on the first mapping relationship, symbolic characters are converted into numbers based on the second mapping relationship, and numeric characters are directly converted into corresponding numbers. Illustratively, the first mapping may be ASCII code conversion and the second mapping may be Unicode code conversion.
In another embodiment, at least one target verification action may be generated based on the first sum and a remainder of the first constant set in advance. Illustratively, the first constant may be 7, and the remainder obtained by dividing the first sum by 7 may be any integer among 0 to 6. Seven groups of target verification actions can be set in advance, each group of target verification actions corresponds to an integer, and therefore, the corresponding group of target verification actions can be searched for by directly searching the remainder of the first sum value and 7. Wherein each set of target verification actions includes at least one.
As an optional embodiment, before the payment request sent by the first terminal that obtains the first account, the method further includes:
acquiring an account login request of the first account sent by the first terminal;
checking the account login request;
and sending authorization information of the first account to the first terminal under the condition that the account login request passes verification, wherein the authorization information is used for authorizing the first account to login on the first terminal.
In this embodiment, before the transfer operation is performed, the operator needs to log in the first account on the first terminal. Specifically, the operator may input the account number and the password of the first account number on the display interface of the first terminal, the first terminal may generate an account number login request of the first account number based on the account number and the password of the first account number, and send the account number login request to the server, and the server may verify the account number and the password of the first account number in the account number login request.
If the verification is passed, sending authorization information of the first account to the first terminal, wherein the authorization information is used for authorizing the first account to log in on the first terminal; if the verification is not passed, an error code can be fed back to the first terminal for representing that the account login request fails to verify.
As an optional embodiment, before performing the payment operation in the case that the face image to be identified passes authentication, the method further includes:
receiving encryption information sent by the second terminal;
analyzing the encryption information to obtain a second serial number;
acquiring a target face image corresponding to the second serial number;
and authenticating the face image to be recognized according to the target face image.
In this embodiment, the server receives, in addition to the face image to be identified sent by the second terminal, encryption information sent by the second terminal, where the encryption information is information obtained after the encryption operation is performed on the serial number associated with the code pattern scanned or read by the second terminal.
The server can analyze the encrypted information to obtain a second serial number, and can inquire a target face figure corresponding to the second serial number. The target face image is a face image uploaded to a server in advance when a user of an online bank registers an account. Each target face image is bound with an account. The server may store the face images in a database, and invoke the target face image of the corresponding account based on the second serial number when verification is required. And comparing the target face image with the received face image to be identified, and determining whether the face image to be identified passes authentication or not according to the comparison result pair.
As an optional embodiment, the authenticating the face image to be identified according to the target face image includes:
matching the target face image with the face image to be identified to obtain a target matching degree;
and authenticating the face image to be identified according to the target matching degree.
In this embodiment, the target face image includes a plurality of face images of the user stored in advance, and the user performs different verification actions in each target face image. The method comprises the steps of traversing a plurality of target face images, comparing each target face image with the face image to be recognized to obtain a plurality of matching degrees, and determining the largest matching degree in the plurality of matching degrees as the target matching degree. And comparing the target matching degree with a first threshold value set in advance, and if the target matching degree is larger than the first threshold value, considering that the face image authentication to be recognized passes, namely performing subsequent transfer operation. If the target matching degree is smaller than or equal to the first threshold, the face image authentication to be recognized is considered to be failed, and an error prompt can be fed back to the first terminal so as to prompt an operator that the server cannot respond to the transfer request.
Specifically, in the process of matching the target face image and the face image to be identified, the same preprocessing, such as resizing, clipping, graying, etc., may be performed on the target face image and the face image to be identified first, so as to ensure that the images have consistent formats and feature representations. And then extracting feature vectors from the target face image and the face image to be identified, and comparing the extracted feature vectors by using a proper similarity measurement method to obtain the matching degree of the target face image and the face image to be identified.
Based on the payment method of the enterprise provided by the embodiment, correspondingly, the application further provides a specific implementation mode of the payment device of the enterprise. Please refer to the following examples.
Referring first to fig. 2, a payment device 200 for an enterprise provided by an embodiment of the present application includes the following modules:
the obtaining module 201 is configured to obtain a payment request sent by a first terminal of a first account, where the payment request is a request for performing a payment operation to a second account through the first account;
a generating module 202, configured to generate a first serial number according to the payment request, and a code pattern associated with the first serial number;
a sending module 203, configured to send the first serial number and the code pattern to the first terminal, so that the first terminal displays the code pattern on a display interface;
the receiving module 204 is configured to receive a face image to be identified sent by a second terminal, where the face image to be identified is obtained by shooting a target shooting interface of the second terminal, and the target shooting interface is a shooting interface associated with the coding graphic;
and the execution module 205 is configured to execute the payment operation if the face image to be identified passes authentication.
The device can obtain a payment request sent by a first terminal of the first account, then generate a first serial number according to the payment request, and send the first serial number and the coding graph to the first terminal, the first terminal displays the coding graph on a display interface, the second terminal can shoot a face image to be identified based on the coding graph, send the face image to be identified to a server, the server can authenticate the face image to be identified, and execute payment operation under the condition that the authentication of the face image to be identified is passed. Through the mode, even if an operator performs transfer operation on the first terminal with low configuration of the environmental camera or without the camera, the first terminal and the second terminal can be associated by the coding graph, and face identity verification is performed based on the second terminal, so that face recognition and enterprise transfer operation are combined, and the security of enterprise online banking transfer is improved.
As an implementation manner of the present application, the generating module 202 includes:
the generation unit is used for generating a first serial number according to the payment request;
the determining unit is used for determining at least one target verification action according to the first serial number;
the drawing unit is used for generating a coding graph associated with the first serial number according to the target verification action, and after the second terminal enters a target shooting interface associated with the coding graph, the target shooting interface displays verification prompt information which is used for prompting a user to shoot with the at least one target verification action to obtain the face graph to be recognized.
As an implementation of the present application, the determining unit may be further configured to:
converting each character in at least one character of the first serial number into an integer to obtain at least one integer;
calculating the sum of the at least one integer to obtain a first sum value;
at least one target verification action is generated from the first sum.
As an implementation of the present application, the payment device 200 of the enterprise may also be used for:
acquiring an account login request of the first account sent by the first terminal;
checking the account login request;
and sending authorization information of the first account to the first terminal under the condition that the account login request passes verification, wherein the authorization information is used for authorizing the first account to login on the first terminal.
As an implementation of the present application, the payment device 200 of the enterprise may also be used for:
receiving encryption information sent by the second terminal;
analyzing the encryption information to obtain a second serial number;
acquiring a target face image corresponding to the second serial number;
and authenticating the face image to be recognized according to the target face image.
As an implementation of the present application, the payment device 200 of the enterprise may also be used for: matching the target face image with the face image to be identified to obtain matching degree;
and authenticating the face image to be identified according to the matching degree.
The payment device for enterprises provided by the embodiment of the present application can implement each step in the above method embodiment, and in order to avoid repetition, the description is omitted here.
Fig. 3 shows a schematic hardware structure of a payment device of an enterprise according to an embodiment of the present application.
A payment device at an enterprise may include a processor 301 and a memory 302 storing computer program instructions.
In particular, the processor 301 may include a Central Processing Unit (CPU), or a specific integrated circuit (ApplicationSpecificIntegratedCircuit, ASIC), or may be configured as one or more integrated circuits implementing embodiments of the present application.
Memory 302 may include mass storage for data or instructions. By way of example, and not limitation, memory 302 may comprise a hard disk drive (HardDiskDrive, HDD), floppy disk drive, flash memory, optical disk, magneto-optical disk, magnetic tape, or universal serial bus (UniversalSerialBus, USB) drive, or a combination of two or more of these. Memory 302 may include removable or non-removable (or fixed) media, where appropriate. Memory 302 may be internal or external to the integrated gateway disaster recovery device, where appropriate. In a particular embodiment, the memory 302 is a non-volatile solid-state memory.
The memory may include Read Only Memory (ROM), random Access Memory (RAM), magnetic disk storage media devices, optical storage media devices, flash memory devices, electrical, optical, or other physical/tangible memory storage devices. Thus, in general, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software comprising computer-executable instructions and when the software is executed (e.g., by one or more processors) it is operable to perform the operations described with reference to methods in accordance with aspects of the present disclosure.
The processor 301 implements the payment method of any of the enterprises of the above embodiments by reading and executing the computer program instructions stored in the memory 302.
In one example, the payment device of the corporation may also include a communication interface 303 and a bus 310. As shown in fig. 3, the processor 301, the memory 302, and the communication interface 303 are connected to each other by a bus 310 and perform communication with each other.
The communication interface 303 is mainly used to implement communication between each module, device, unit and/or apparatus in the embodiment of the present application.
Bus 310 includes hardware, software, or both, that couple components of the payment devices of the corporation to each other. By way of example, and not limitation, the buses may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a HyperTransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an infiniband interconnect, a Low Pin Count (LPC) bus, a memory bus, a micro channel architecture (MCa) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a video electronics standards association local (VLB) bus, or other suitable bus, or a combination of two or more of the above. Bus 310 may include one or more buses, where appropriate. Although embodiments of the application have been described and illustrated with respect to a particular bus, the application contemplates any suitable bus or interconnect.
The payment device of the corporation may be based on the above embodiments, so as to implement the payment method and apparatus of the corporation.
In addition, in combination with the payment method of the enterprise in the above embodiment, the embodiment of the present application may be implemented by providing a computer storage medium. The computer storage medium has stored thereon computer program instructions; the computer program instructions, when executed by the processor, implement any one of the payment methods of the enterprises in the foregoing embodiments, and achieve the same technical effects, so that repetition is avoided, and no further description is given here. The computer readable storage medium may include a non-transitory computer readable storage medium, such as Read-only memory (ROM), random access memory (RandomAccess Memory, RAM), magnetic disk or optical disk, and the like, but is not limited thereto.
In addition, the embodiment of the application also provides a computer program product, which comprises computer program instructions, wherein the computer program instructions can realize the steps and corresponding contents of the embodiment of the method when being executed by a processor.
It should be understood that the application is not limited to the particular arrangements and instrumentality described above and shown in the drawings. For the sake of brevity, a detailed description of known methods is omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method processes of the present application are not limited to the specific steps described and shown, and those skilled in the art can make various changes, modifications and additions, or change the order between steps, after appreciating the spirit of the present application.
The functional blocks shown in the above block diagrams may be implemented in hardware, software, firmware, or a combination thereof. When implemented in hardware, it may be, for example, an electronic circuit, an Application Specific Integrated Circuit (ASIC), suitable firmware, a plug-in, a function card, or the like. When implemented in software, the elements of the application are the programs or code segments used to perform the required tasks. The program or code segments may be stored in a machine readable medium or transmitted over transmission media or communication links by a data signal carried in a carrier wave. A "machine-readable medium" may include any medium that can store or transfer information. Examples of machine-readable media include electronic circuitry, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio Frequency (RF) links, and the like. The code segments may be downloaded via computer networks such as the internet, intranets, etc.
It should also be noted that the exemplary embodiments mentioned in this disclosure describe some methods or systems based on a series of steps or devices. However, the present application is not limited to the order of the above-described steps, that is, the steps may be performed in the order mentioned in the embodiments, or may be performed in a different order from the order in the embodiments, or several steps may be performed simultaneously.
Aspects of the present disclosure are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus and computer program products according to embodiments of the disclosure. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of 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, 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, enable the implementation of the functions/acts specified in the flowchart and/or block diagram block or blocks. Such a processor may be, but is not limited to being, a general purpose processor, a special purpose processor, an application specific processor, or a field programmable logic circuit. It will also be understood that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware which performs the specified functions or acts, or combinations of special purpose hardware and computer instructions.
In the foregoing, only the specific embodiments of the present application are described, and it will be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working processes of the systems, modules and units described above may refer to the corresponding processes in the foregoing method embodiments, which are not repeated herein. It should be understood that the scope of the present application is not limited thereto, and any equivalent modifications or substitutions can be easily made by those skilled in the art within the technical scope of the present application, and they should be included in the scope of the present application.
Claims (10)
1. A method of payment for an enterprise, the method being applied to a server, the method comprising:
acquiring a payment request sent by a first terminal of a first account, wherein the payment request is a request for carrying out payment operation to a second account through the first account;
generating a first serial number according to the payment request, and a coding graph associated with the first serial number;
transmitting the first serial number and the coding graph to the first terminal so that the first terminal displays the coding graph on a display interface;
receiving a face image to be recognized sent by a second terminal, wherein the face image to be recognized is obtained by shooting a target shooting interface of the second terminal, and the target shooting interface is a shooting interface associated with the coding graph;
and executing the payment operation under the condition that the face image to be identified passes authentication.
2. The method of claim 1, wherein generating a first serial number from the payment request and a coded graphic associated with the first serial number comprises:
generating a first serial number according to the payment request;
determining at least one target verification action according to the first serial number;
generating a coding graph associated with the first serial number according to the target verification action, and after the second terminal enters a target shooting interface associated with the coding graph, displaying verification prompt information on the target shooting interface, wherein the verification prompt information is used for prompting a user to shoot with the at least one target verification action to obtain the face graph to be recognized.
3. The method of claim 2, wherein the first serial number comprises at least one character, and wherein the determining at least one target verification action based on the first serial number comprises:
converting each character in at least one character of the first serial number into an integer to obtain at least one integer;
calculating the sum of the at least one integer to obtain a first sum value;
at least one target verification action is generated from the first sum.
4. The method for payment for an enterprise according to claim 1, wherein before the payment request sent by the first terminal for obtaining the first account number, the method further comprises:
acquiring an account login request of the first account sent by the first terminal;
checking the account login request;
and sending authorization information of the first account to the first terminal under the condition that the account login request passes verification, wherein the authorization information is used for authorizing the first account to login on the first terminal.
5. The method according to claim 1, wherein, in the case where the face image to be recognized is authenticated, before performing the payment operation, the method further comprises:
receiving encryption information sent by the second terminal;
analyzing the encryption information to obtain a second serial number;
acquiring a target face image corresponding to the second serial number;
and authenticating the face image to be recognized according to the target face image.
6. The method of claim 5, wherein authenticating the face image to be identified based on the target face image comprises:
matching the target face image with the face image to be identified to obtain matching degree;
and authenticating the face image to be identified according to the matching degree.
7. A payment device for an enterprise, the device comprising:
the acquisition module is used for acquiring a payment request sent by a first terminal of a first account, wherein the payment request is a request for carrying out payment operation to a second account through the first account;
the generation module is used for generating a first serial number according to the payment request and a coding graph associated with the first serial number;
the sending module is used for sending the first serial number and the coding graph to the first terminal so that the first terminal can display the coding graph on a display interface;
the receiving module is used for receiving a face image to be recognized sent by a second terminal, wherein the face image to be recognized is obtained by shooting a target shooting interface of the second terminal, and the target shooting interface is a shooting interface associated with the coding graph;
and the execution module is used for executing the payment operation under the condition that the face image authentication to be identified passes.
8. A payment device for an enterprise, the payment device for an enterprise comprising: a processor and a memory storing computer program instructions;
the processor, when executing the computer program instructions, implements the method of payment for an enterprise as claimed in any one of claims 1-6.
9. A computer storage medium having stored thereon computer program instructions which, when executed by a processor, implement the method of payment for an enterprise as claimed in any one of claims 1 to 6.
10. A computer program product, characterized in that it comprises computer program instructions which, when executed by a processor, implement the method of payment for an enterprise according to any one of claims 1-6.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202310785436.5A CN116757688A (en) | 2023-06-29 | 2023-06-29 | Enterprise payment method, device, equipment, storage medium and program product |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202310785436.5A CN116757688A (en) | 2023-06-29 | 2023-06-29 | Enterprise payment method, device, equipment, storage medium and program product |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN116757688A true CN116757688A (en) | 2023-09-15 |
Family
ID=87953083
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202310785436.5A Pending CN116757688A (en) | 2023-06-29 | 2023-06-29 | Enterprise payment method, device, equipment, storage medium and program product |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN116757688A (en) |
-
2023
- 2023-06-29 CN CN202310785436.5A patent/CN116757688A/en active Pending
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11599883B2 (en) | System and method for fraud risk analysis in IoT | |
| CN108898206A (en) | A kind of method and barcode scanning safe checking method generating gathering code | |
| JP2008282408A (en) | Internet business security system | |
| US20200143377A1 (en) | Systems and methods for user identity authentication | |
| US10332115B2 (en) | Systems and methods for processing metadata statements in payment flows | |
| CN112801655B (en) | Payment card migration method, device, electronic equipment, server and medium | |
| US11797650B2 (en) | Data value routing system and method | |
| CN116596536A (en) | Internet financial secure payment method and system | |
| CN106529955A (en) | Payment method and device | |
| CN114692589A (en) | Method, device and equipment for generating electronic receipt file and computer storage medium | |
| US20220291979A1 (en) | Mobile application integration | |
| CN111104653B (en) | User operation processing method and device, electronic equipment and readable storage medium | |
| CN116777584A (en) | Data processing method, device, equipment, medium and product | |
| CN105654377B (en) | Cardless withdrawal method, related device and system | |
| CN116757688A (en) | Enterprise payment method, device, equipment, storage medium and program product | |
| CN115984010A (en) | Information processing method, apparatus, device, medium, and program product | |
| CN110647737A (en) | Enterprise user security authentication method and device in warehouse receipt system and electronic equipment | |
| CN113962700A (en) | Bank business auditing method and system | |
| EP3776425B1 (en) | Secure authentication system and method | |
| US20200286072A1 (en) | Information processing apparatus, information processing system, and information processing method, and program | |
| CN116797334A (en) | Refund method, device and system of stored value card | |
| CN117350844A (en) | Information processing method, device, equipment, medium and product | |
| CN118798873A (en) | Payment method, device, equipment and storage medium | |
| CN116662379A (en) | Method, device, equipment, medium and product for inquiring fund flow information | |
| CN118014583A (en) | Method, device, equipment, medium and product for resource transaction |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |