TW201732707A - Payment method, device, and apparatus - Google Patents

Payment method, device, and apparatus Download PDF

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Publication number
TW201732707A
TW201732707A TW106106071A TW106106071A TW201732707A TW 201732707 A TW201732707 A TW 201732707A TW 106106071 A TW106106071 A TW 106106071A TW 106106071 A TW106106071 A TW 106106071A TW 201732707 A TW201732707 A TW 201732707A
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payment
user
paid
verification code
face image
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TW106106071A
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Chinese (zh)
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Hua Cai
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China Unionpay Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—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
    • 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/16—Human faces, e.g. facial parts, sketches or expressions

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Multimedia (AREA)
  • Human Computer Interaction (AREA)
  • Oral & Maxillofacial Surgery (AREA)
  • General Health & Medical Sciences (AREA)
  • Health & Medical Sciences (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A payment method, device, and apparatus, the method comprising: a fee collecting server receiving a payment request from a fee collecting terminal; the fee collecting server receiving facial image information of a user making a payment from a fee collecting terminal; determining whether the facial image information of the user making the payment matches facial image information in a facial image database; if the informations match, then sending a first verification code to a user terminal of the user making the payment; receiving a second verification code entered by the user making the payment; determining whether the second verification code and the first verification code are consistent; and if the codes are consistent, then sending a payment notification to an account manager corresponding to a payment account of the user making the payment to complete the payment. The invention uses double verification of facial recognition and verification codes to ensure the security of a user payment. After verifying facial information, a verification code is used for verification to address an issue of facial recognition errors and to strengthen payment security. The method requires only facial recognition and entering of a verification code, and dispenses with complex card swiping and password entry actions to improve convenience and enhance user experience.

Description

一種支付方法及裝置 Payment method and device

本發明是屬於支付認證技術領域，尤其是關於一種支付方法及裝置。 The invention belongs to the field of payment authentication technology, and in particular to a payment method and device.

用戶在大型會員制連鎖超市進行購物時，大多採用現金支付或者傳統的使用銀行卡進行刷卡輸入密碼的支付形式。 When users shop in large-scale member supermarkets, most of them use cash payment or traditional bank card to pay for the password.

如果購物時需要大額支付，採用現金支付不方便，使用者需要攜帶大量現金，會帶來一定的安全隱患。而使用銀行卡進行刷卡輸入密碼支付，需要攜帶銀行卡，使用不方便，而且有洩漏銀行卡密碼的隱患。 If you need a large amount of payment when shopping, it is not convenient to use cash payment. Users need to carry a lot of cash, which will bring certain security risks. The use of a bank card for credit card input password payment requires a bank card to be used, which is inconvenient to use, and has a hidden danger of leaking the bank card password.

因此，亟需一種支付方法，解決在支付過程中因刷卡、輸入密碼帶來的密碼洩漏的問題。 Therefore, there is a need for a payment method to solve the problem of password leakage caused by swiping a card and inputting a password during the payment process.

本發明實施例提供一種支付方法及裝置，用以解決在支付過程中因刷卡、輸入密碼帶來的密碼洩漏的問題。 The embodiment of the invention provides a payment method and device for solving the problem of password leakage caused by swiping a card and inputting a password during the payment process.

本發明實施例提供的一種支付方法，包括：收款伺服器接收收款終端發送的支付請求，該支付請求包括待支付的支付額；該收款伺服器接收該收款終端自動採集的待支付使用者的人臉圖片資 訊；該收款伺服器確定該待支付使用者的人臉圖片資訊與人臉圖片庫中的人臉圖片資訊是否匹配；若匹配，則該收款伺服器獲取該待支付用戶的支付帳號和使用者終端號碼，並根據該使用者終端號碼，向該待支付使用者的使用者終端發送第一驗證碼；該收款伺服器接收該收款終端發送的待支付使用者輸入的第二驗證碼；該收款伺服器判斷該第二驗證碼與該第一驗證碼是否一致；若一致，則該收款伺服器向該待支付用戶的支付帳戶對應的帳戶管理方發送支付通知以完成支付，該支付通知中包括該待支付的支付額和該待支付用戶的支付帳戶。 A payment method provided by the embodiment of the present invention includes: a payment server receiving a payment request sent by a payment terminal, the payment request including a payment amount to be paid; and the payment server receiving the payment to be automatically collected by the collection terminal User's face image The payment server determines whether the face image information of the user to be paid matches the face image information in the face image library; if matched, the payment server obtains the payment account of the user to be paid and a user terminal number, and sending a first verification code to the user terminal of the user to be paid according to the user terminal number; the payment server receiving the second verification of the user input to be paid by the payment terminal The payment server determines whether the second verification code is consistent with the first verification code; if the payment is consistent, the payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment. The payment notice includes the payment amount to be paid and the payment account of the user to be paid.

優選地，該收款伺服器向該待支付使用者綁定的終端發送第一驗證碼，包括：該收款伺服器向該待支付使用者的使用者終端發送支付確認簡訊，該支付確認簡訊中包括該第一驗證碼；或該收款伺服器向該待支付使用者的使用者終端中的應用程式推送該第一驗證碼。 Preferably, the payment server sends the first verification code to the terminal to which the user to be paid is bound, including: the payment server sends a payment confirmation message to the user terminal of the user to be paid, the payment confirmation message The first verification code is included in the first verification code; or the payment server pushes the first verification code to an application in the user terminal of the user to be paid.

優選地，在收款伺服器接收收款終端發送的支付請求之前，還包括：該收款伺服器接收使用者註冊資訊，該註冊資訊中包括使用者ID、與用戶ID綁定的支付帳戶、與用戶ID綁定的使用者終端號碼以及使用者的N 組人臉圖片資訊，N大於等於1；該收款伺服器將該使用者的註冊資訊進行儲存。 Preferably, before the payment server receives the payment request sent by the payment terminal, the method further includes: the payment server receiving the user registration information, where the registration information includes a user ID, a payment account bound to the user ID, The user terminal number bound to the user ID and the user's N Group face picture information, N is greater than or equal to 1; the payment server stores the user's registration information.

相應地，本發明實施例還提供了一種支付方法，包括：該收款伺服器接收待支付使用者的使用者終端發送的驗證碼請求，並根據該驗證碼請求向該待支付使用者的使用者終端發送第一驗證碼；該收款伺服器接收收款終端自動採集的待支付使用者的人臉圖片資訊；該收款伺服器確定該待支付使用者的人臉圖片資訊與人臉圖片庫中的人臉圖片資訊是否匹配；若匹配成功，則該收款伺服器獲取該待支付用戶的支付帳戶和待支付的支付額；該收款伺服器接收該收款終端發送的待支付使用者輸入的第二驗證碼；該收款伺服器判斷該第二驗證碼與該第一驗證碼是否一致；若一致，則該收款伺服器向該待支付用戶的支付帳戶對應的帳戶管理方發送支付通知以完成支付，該支付通知中包括該待支付的支付額和該待支付用戶的支付帳戶。 Correspondingly, the embodiment of the present invention further provides a payment method, including: the payment server receives a verification code request sent by a user terminal of a user to be paid, and requests the use of the user to be paid according to the verification code. The terminal sends a first verification code; the payment server receives the face image information of the user to be paid automatically collected by the payment terminal; the payment server determines the face image information and the face image of the user to be paid Whether the face image information in the library matches; if the matching is successful, the payment server obtains the payment account of the user to be paid and the payment amount to be paid; the payment server receives the payment to be paid by the receiving terminal. The second verification code input by the user; the payment server determines whether the second verification code is consistent with the first verification code; if it is consistent, the payment server sends the account management party corresponding to the payment account of the user to be paid A payment notification is sent to complete the payment, and the payment notification includes the payment amount to be paid and the payment account of the user to be paid.

相應地，本發明實施例還提供了一種支付裝置，包括：第一接收單元，用於接收收款終端發送的支付請求，該支付請求包括待支付的支付額；第二接收單元，用於接收該收款終端自動採集的待支付使用者的人臉圖片資訊； 確定單元，用於確定該待支付使用者的人臉圖片資訊與人臉圖片庫中人臉圖片資訊是否匹配；發送單元，用於若該待支付使用者的人臉圖片資訊與人臉圖片庫中人臉圖片資訊匹配，則獲取該待支付用戶的支付帳號和使用者終端號碼，並根據該使用者終端號碼，向該待支付使用者的使用者終端發送第一驗證碼；第三接收單元，用於接收該收款終端發送的待支付使用者輸入的第二驗證碼；判斷單元，用於判斷該第二驗證碼與該第一驗證碼是否一致；支付單元，用於向該待支付用戶的支付帳戶對應的帳戶管理方發送支付通知以完成支付，該支付通知中包括該待支付的支付額和該待支付用戶的支付帳戶。 Correspondingly, the embodiment of the present invention further provides a payment apparatus, including: a first receiving unit, configured to receive a payment request sent by a payment terminal, the payment request includes a payment amount to be paid; and a second receiving unit, configured to receive The face image information of the user to be paid automatically collected by the payment terminal; a determining unit, configured to determine whether the face image information of the user to be paid matches the face image information in the face image library; and the sending unit is configured to: if the user to be paid the face image information and the face image library If the face image information is matched, the payment account number and the user terminal number of the user to be paid are obtained, and the first verification code is sent to the user terminal of the user to be paid according to the user terminal number; the third receiving unit a second verification code for receiving the user input to be paid by the payment terminal; a determining unit, configured to determine whether the second verification code is consistent with the first verification code; and a payment unit, configured to pay the to-be-paid The account management party corresponding to the user's payment account sends a payment notification to complete the payment, and the payment notification includes the payment amount to be paid and the payment account of the user to be paid.

優選地，該發送單元具體用於：向該待支付使用者的使用者終端發送支付確認簡訊，該支付確認簡訊中包括該第一驗證碼；或向該待支付使用者的使用者終端中的應用程式推送該第一驗證碼。 Preferably, the sending unit is configured to: send a payment confirmation message to the user terminal of the user to be paid, the payment confirmation message includes the first verification code; or to the user terminal of the user to be paid The application pushes the first verification code.

優選地，還包括：第四接收單元和儲存單元；在接收收款終端發送的支付請求之前，接收使用者註冊資訊，該註冊資訊中包括使用者ID、與用戶ID綁定的支付帳戶、與用戶ID綁定的使用者終端號碼以及使用者的N組人臉圖片資訊，N大於等於1；該儲存單元具體用於將該使用者的註冊資訊進行儲存。 Preferably, the method further includes: a fourth receiving unit and a storage unit; before receiving the payment request sent by the payment terminal, receiving user registration information, where the registration information includes a user ID, a payment account bound to the user ID, and The user terminal number bound to the user ID and the N group face image information of the user, N is greater than or equal to 1; the storage unit is specifically configured to store the registration information of the user.

相應地，本發明實施例還提供了一種支付裝置，包括：第一接收單元，用於接收待支付使用者的使用者終端發送的驗證碼請 求，並根據該驗證碼請求向該待支付使用者的使用者終端發送第一驗證碼；第二接收單元，用於接收收款終端自動採集的待支付使用者的人臉圖片資訊；確定單元，用於確定該待支付使用者的人臉圖片資訊與人臉圖片庫中的人臉圖片資訊是否匹配；獲取單元，用於若該待支付使用者的人臉圖片資訊與人臉圖片庫中人臉圖片資訊匹配，則獲取該待支付用戶的支付帳戶和待支付的支付額；第三接收單元，用於接收該收款終端發送的待支付使用者輸入的第二驗證碼；判斷單元，用於判斷該第二驗證碼與該第一驗證碼是否一致；支付單元，用於向該待支付用戶的支付帳戶對應的帳戶管理方發送支付通知以完成支付，該支付通知中包括該待支付的支付額和該待支付用戶的支付帳戶。 Correspondingly, the embodiment of the present invention further provides a payment device, including: a first receiving unit, configured to receive a verification code sent by a user terminal of a user to be paid And requesting, according to the verification code, to send a first verification code to the user terminal of the user to be paid; the second receiving unit is configured to receive the face image information of the user to be paid automatically collected by the payment terminal; And determining whether the face image information of the user to be paid matches the face image information in the face image library; and the obtaining unit is configured to: in the face image information and the face image library of the user to be paid If the face image information is matched, the payment account of the user to be paid and the payment amount to be paid are obtained; the third receiving unit is configured to receive a second verification code that is sent by the payment terminal and is input by the user to be paid; The payment unit is configured to send a payment notification to the account management party corresponding to the payment account of the to-be-paid user to complete the payment, where the payment notification includes the to-be-paid The payment amount and the payment account of the user to be paid.

本發明實施例表明，收款伺服器接收收款終端發送的支付請求，收款伺服器接收收款終端自動採集的待支付使用者的人臉圖片資訊，收款伺服器確定待支付使用者的人臉圖片資訊與人臉圖片庫中的人臉圖片資訊是否匹配；若匹配，則收款伺服器獲取待支付用戶的支付帳號和使用者終端號碼，並根據使用者終端號碼，向待支付使用者的使用者終端發送第一驗證碼，收款伺服器接收收款終端發送的待支付使用者輸入的第二驗證碼，收款伺服器判斷第二驗證碼與第一驗證碼是否一致，若一致，則收款伺服器向待支付用戶的支付帳戶對應的帳戶管理方發送支付通知以完成支付。通過人臉識別和驗證碼的雙重驗證，可以確認用戶支付的安全性， 在人臉圖片資訊驗證之後，又進行驗證碼驗證，避免了在人臉識別出現誤差的情況下進一步加強支付的安全性。只需要人臉識別和輸入驗證碼，不用進行繁瑣的刷卡和輸入密碼，提高了便利性，增加了用戶的體驗感。 The embodiment of the invention indicates that the payment server receives the payment request sent by the payment terminal, and the collection server receives the face image information of the user to be paid automatically collected by the payment terminal, and the payment server determines the user to be paid. Whether the face image information matches the face image information in the face image library; if it matches, the payment server obtains the payment account number and the user terminal number of the user to be paid, and uses the payment to be used according to the user terminal number. The user terminal sends the first verification code, and the payment server receives the second verification code sent by the user to be paid by the payment terminal, and the payment server determines whether the second verification code is consistent with the first verification code. Consistently, the payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment. Through the double verification of face recognition and verification code, the security of user payment can be confirmed. After the face image information is verified, the verification code verification is performed to avoid further strengthening the security of the payment in the case of error in the face recognition. Only need face recognition and input verification code, no need to carry out cumbersome card swipe and input password, which improves convenience and increases user experience.

101~107、401~407‧‧‧步驟 101~107, 401~407‧‧‧ steps

501‧‧‧第一接收單元 501‧‧‧First receiving unit

502‧‧‧第二接收單元 502‧‧‧second receiving unit

503‧‧‧確定單元 503‧‧‧determination unit

504‧‧‧發送單元 504‧‧‧Send unit

505‧‧‧第三接收單元 505‧‧‧ third receiving unit

506‧‧‧判斷單元 506‧‧‧judging unit

507‧‧‧支付單元 507‧‧‧Payment unit

601‧‧‧第一接收單元 601‧‧‧First receiving unit

602‧‧‧第二接收單元 602‧‧‧second receiving unit

603‧‧‧確定單元 603‧‧‧Determining unit

604‧‧‧獲取單元 604‧‧‧Acquisition unit

605‧‧‧第三接收單元 605‧‧‧ third receiving unit

606‧‧‧判斷單元 606‧‧‧judging unit

607‧‧‧支付單元 607‧‧‧Payment unit

為了更清楚地說明本發明實施例中的技術方案，下面將對實施例描述中所需要使用的附圖作簡要介紹，顯而易見地，下面描述中的附圖僅僅是本發明的一些實施例，對於本領域的普通技術人員來講，在不付出創造性勞動性的前提下，還可以根據這些附圖獲得其他的附圖。 In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings used in the description of the embodiments will be briefly described below. It is obvious that the drawings in the following description are only some embodiments of the present invention, Those skilled in the art can also obtain other drawings based on these drawings without paying for inventive labor.

圖1為本發明實施例中一種支付方法的流程示意圖；圖2a至圖2b為本發明實施例中一種驗證碼顯示示意圖；圖3a至圖3b為本發明實施例中一種驗證碼顯示示意圖；圖4為本發明實施例中一種支付方法的流程示意圖；圖5為本發明實施例中一種支付裝置的流程示意圖；圖6為本發明實施例中一種支付裝置的流程示意圖。 1 is a schematic flowchart of a payment method according to an embodiment of the present invention; FIG. 2a to FIG. 3b are schematic diagrams showing a verification code display according to an embodiment of the present invention; FIG. 3a to FIG. 3b are schematic diagrams showing a verification code display according to an embodiment of the present invention; 4 is a schematic flowchart of a payment method according to an embodiment of the present invention; FIG. 5 is a schematic flowchart of a payment device according to an embodiment of the present invention; and FIG. 6 is a schematic flowchart of a payment device according to an embodiment of the present invention.

為了使本發明的目的、技術方案和優點更加清楚，下面將結合附圖對本發明作進一步地詳細描述，顯然，所描述的實施例僅僅是本發明一部份實施例，而不是全部的實施例。基於本發明中的實施例，本領域普通技術人員在沒有做出創造性勞動前提下所獲得的所有其它實施例，都屬於本發明保護的範圍。 The present invention will be further described in detail with reference to the accompanying drawings, in which . All other embodiments obtained by a person of ordinary skill in the art based on the embodiments of the present invention without creative efforts are within the scope of the present invention.

在本發明實施例中，使用者需要預先在使用地進行註冊會 員，建立用戶ID(Identity，身份標識號)，與該使用者ID綁定用戶的姓名、手機號等資訊，並採集該使用者ID對應的使用者的人臉圖片資訊，將該使用者的人臉圖片資訊通過安全的方式儲存在人臉圖片庫中，並進行加密，防止人臉圖片資訊被盜取。然後使用者還需要將綁定的銀行卡資訊，刷卡輸入密碼，通過安全的通訊方式送到後臺，並提交該銀行卡的發卡銀行進行驗證，從而完成銀行卡資訊的綁定。 In the embodiment of the present invention, the user needs to register in advance at the place of use. a user ID (Identity), a user ID, a mobile phone number, and the like are associated with the user ID, and the user's face image information corresponding to the user ID is collected, and the user's The face image information is stored in the face image library in a secure manner and encrypted to prevent the face image information from being stolen. Then the user also needs to bind the bound bank card information, swipe the password, send it to the background through secure communication, and submit the bank card issuing bank for verification, thereby completing the binding of the bank card information.

本發明實施例中的收款伺服器可以是後臺伺服器，本發明實施例中的與用戶ID綁定的使用者終端可以是手機、平板電腦、掌上型電腦等具有無線通訊功能且可以安裝應用程式的電子設備。本發明實施例中的收款終端可以是超市的POS機。本發明實施例中的使用者終端內設置的與收款伺服器相對應的用戶端可以是在使用者終端內安裝的應用程式。 The payment server in the embodiment of the present invention may be a background server. The user terminal bound to the user ID in the embodiment of the present invention may be a mobile phone, a tablet computer, a palmtop computer, etc., and has a wireless communication function and can be installed. Program electronic device. The payment terminal in the embodiment of the present invention may be a POS machine of a supermarket. The client corresponding to the payment server provided in the user terminal in the embodiment of the present invention may be an application installed in the user terminal.

基於上述描述，圖1示出了一種支付方法的流程，該流程可以由支付裝置執行。 Based on the above description, FIG. 1 shows a flow of a payment method that can be executed by a payment device.

如圖1所示，該流程具體包括： As shown in Figure 1, the process specifically includes:

步驟101，收款伺服器接收收款終端發送的支付請求。 Step 101: The payment server receives the payment request sent by the payment terminal.

步驟102，該收款伺服器接收該收款終端自動採集的待支付使用者的人臉圖片資訊。 Step 102: The payment server receives the face image information of the user to be paid automatically collected by the payment terminal.

步驟103，該收款伺服器確定該待支付使用者的人臉圖片資訊與人臉圖片庫中的人臉圖片資訊是否匹配，若是，則轉入步驟104，若否，轉入步驟102。 Step 103: The payment server determines whether the face image information of the user to be paid matches the face image information in the face image library, and if yes, proceeds to step 104, and if no, proceeds to step 102.

步驟104，該收款伺服器獲取該待支付用戶的支付帳號和使用者終端號碼，並根據該使用者終端號碼，向該待支付使用者的使用者終端發送第一 驗證碼。 Step 104: The payment server obtains the payment account number and the user terminal number of the user to be paid, and sends a first message to the user terminal of the user to be paid according to the user terminal number. Verification code.

步驟105，該收款伺服器接收該收款終端發送的待支付使用者輸入的第二驗證碼。 Step 105: The payment server receives the second verification code input by the payment terminal and the user input to be paid.

步驟106，該收款伺服器判斷該第二驗證碼與該第一驗證碼是否一致，若是，則轉入步驟107，若否，則轉入步驟105。 Step 106: The payment server determines whether the second verification code is consistent with the first verification code, and if yes, proceeds to step 107, and if no, proceeds to step 105.

步驟107，該收款伺服器向該待支付用戶的支付帳戶對應的帳戶管理方發送支付通知以完成支付。 Step 107: The payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment.

在步驟101之前，使用者在超市的收款終端進行註冊，可以接收該使用者註冊資訊。該使用者註冊資訊包括使用者ID和與用戶ID綁定的支付帳戶、使用者終端號碼以及使用者的N組人臉圖片資訊。然後將使用者註冊資訊進行儲存。與用戶ID綁定的支付帳戶用於扣除購物時產生的支付額，使用者終端號碼用於收款終端根據該使用者終端號碼向該使用者終端發送第一驗證碼。N組人臉圖片資訊用於與採集的待支付使用者的人臉圖片資訊進行匹配。N大於等於1。 Before step 101, the user registers at the collection terminal of the supermarket and can receive the user registration information. The user registration information includes a user ID and a payment account bound to the user ID, a user terminal number, and N sets of face image information of the user. Then register the user registration information. The payment account bound to the user ID is used to deduct the payment amount generated during the shopping, and the user terminal number is used by the payment terminal to send the first verification code to the user terminal according to the user terminal number. The N group face image information is used to match the collected face image information of the user to be paid. N is greater than or equal to 1.

在步驟101中，使用者在購物完成後，到櫃檯進行支付，收款終端掃描商品之後向收款伺服器發送支付請求，該支付請求中包括待支付的支付額，該待支付的支付額用於支付時從需要在使用者的銀行卡中扣除的金額。 In step 101, after the shopping is completed, the user makes a payment to the counter, and the payment terminal sends a payment request to the payment server after scanning the product, and the payment request includes the payment amount to be paid, and the payment amount to be paid is used. The amount to be deducted from the user's bank card at the time of payment.

在步驟102中，當收款伺服器在步驟101中接收到收款終端發送的支付請求之後，收款終端需要對待支付使用者的人臉進行自動採集，收款終端設有自動捕捉人臉頭像的裝置，可以自動採集待支付使用者的人臉圖片資訊，採集到待支付使用者的人臉圖片資訊，該待支付使用者的人 臉圖片資訊可以用於進行人臉識別。採集該待支付使用者的人臉圖片資訊可以通過攝影機或其他的人臉圖片資訊採集設備進行自動採集。收款終端將自動採集的待支付使用者的人臉圖片資訊發送給收款伺服器，收款伺服器接收該收款終端自動採集的待支付使用者的人臉圖片資訊。 In step 102, after the payment server receives the payment request sent by the payment terminal in step 101, the receiving terminal needs to automatically collect the face of the user to be paid, and the receiving terminal automatically captures the face avatar. The device can automatically collect the face image information of the user to be paid, collect the face image information of the user to be paid, and the person to be paid the user Face image information can be used for face recognition. The face image information of the user to be paid can be automatically collected by a camera or other face image information collecting device. The receiving terminal sends the automatically collected face image information of the user to be paid to the receiving server, and the receiving server receives the face image information of the user to be paid automatically collected by the receiving terminal.

在步驟103中，當收款伺服器接收到收款終端自動採集的待支付使用者的人臉圖片資訊之後，將該待支付使用者的人臉圖片資訊與人臉圖片庫中的人臉圖片資訊進行匹配。若待支付使用者的人臉圖片資訊與人臉圖片庫中的人臉圖片資訊匹配成功，則確認待支付用戶的身份，收款伺服器可以獲取待支付用戶的支付帳戶和使用者終端號碼。否則，通知收款終端繼續採集待支付使用者的人臉圖片資訊，若超過預設次數，一直無法匹配成功，則說明該待支付用戶無法通過驗證，從而無法進行支付，保證了用戶的銀行卡的安全性。 In step 103, after the payment server receives the face image information of the user to be paid automatically collected by the payment terminal, the face image information of the user to be paid and the face image in the face image library are Information is matched. If the face image information of the user to be paid matches the face image information in the face image library successfully, the identity of the user to be paid is confirmed, and the payment server can obtain the payment account and the user terminal number of the user to be paid. Otherwise, the receiving terminal is notified to continue collecting the face image information of the user to be paid. If the user fails to match the preset number of times, the user who is to be paid cannot pass the verification, and the payment cannot be made, thereby ensuring the user's bank card. Security.

在步驟104中，當步驟103中收款伺服器確定待支付使用者的人臉圖片資訊與人臉圖片庫中人臉圖片資訊匹配，則收款伺服器獲取待支付用戶的支付帳戶和使用者終端號碼，並根據該使用者終端，向該待支付使用者的使用者終端發送第一驗證碼。該第一驗證碼可以設置為設定時間內有效，超過該設定時間無法使用，需要重新獲取。該設定時間可以依據經驗進行設定，如可以設定5分鐘。 In step 104, when the payment server determines in step 103 that the face image information of the user to be paid matches the face image information in the face image library, the payment server obtains the payment account and the user of the user to be paid. a terminal number, and according to the user terminal, sending a first verification code to the user terminal of the user to be paid. The first verification code can be set to be valid within the set time, and cannot be used beyond the set time, and needs to be reacquired. The set time can be set according to experience, for example, it can be set for 5 minutes.

上述收款伺服器向待支付使用者的使用者終端發送第一驗證碼的過程，可以是向待支付使用者的使用者終端發送支付確認簡訊，該支付確認簡訊中包括第一驗證碼，具體如圖2a所示。同時用戶還可以對該支付確認簡訊進行管理，如可以對該支付確認簡訊進行刪除，避免資訊洩 露，具體如圖2b所示。 The process of sending the first verification code to the user terminal of the user to be paid by the payment server may be that the payment confirmation message is sent to the user terminal of the user to be paid, and the payment confirmation message includes the first verification code. As shown in Figure 2a. At the same time, the user can also manage the payment confirmation message, for example, the payment confirmation message can be deleted to avoid information leakage. Dew, as shown in Figure 2b.

上述收款伺服器向待支付使用者的使用者終端發送第一驗證碼的過程，也可以是向待支付使用者的使用者終端中的應用程式推送第一驗證碼。如圖3a所示，使用者可以預先在使用者終端中安裝支付管理的應用程式。打開該應用程式後，如圖3b所示，可以看到推送的第一驗證碼，該第一驗證碼是在待支付使用者的人臉圖片資訊匹配成功之後推送的。 The process of sending the first verification code to the user terminal of the user to be paid by the payment server may also be to push the first verification code to the application in the user terminal of the user to be paid. As shown in FIG. 3a, the user can install a payment management application in the user terminal in advance. After the application is opened, as shown in FIG. 3b, the pushed first verification code can be seen, and the first verification code is pushed after the face image information of the user to be paid is successfully matched.

在步驟105中，在收款伺服器向待支付用戶發送第一驗證碼之後，用戶會查看驗證碼，並將查看的驗證碼進行輸入，即收款終端可以獲取該待支付用戶輸入的第二驗證碼，收款終端將該第二驗證碼發送給收款伺服器，收款伺服器接收該收款終端發送的待支付使用者輸入的第二驗證碼。 In step 105, after the payment server sends the first verification code to the user to be paid, the user checks the verification code and inputs the verification code, that is, the payment terminal can obtain the second input of the user to be paid. The verification code, the payment terminal sends the second verification code to the payment server, and the collection server receives the second verification code input by the payment terminal and the user input to be paid.

在步驟106中，收款伺服器判斷待支付用戶輸入的第二驗證碼是否與步驟104中第一驗證碼一致，若一致，則可以確認待支付用戶的身份，進一步的驗證了待支付用戶的身份，保證了銀行卡資訊的安全性。否則需要通知收款終端繼續獲取待支付使用者輸入的第二驗證碼，若獲取預定次數的第二驗證碼之後還沒有確定一致，則確定無法進行支付。 In step 106, the payment server determines whether the second verification code input by the user to be paid is consistent with the first verification code in step 104. If they are consistent, the identity of the user to be paid can be confirmed, and the user to be paid is further verified. Identity ensures the security of bank card information. Otherwise, the payment terminal needs to be notified to continue to obtain the second verification code input by the user to be paid. If the second verification code is obtained after the predetermined number of times, the payment is determined.

在步驟107中，在步驟106中收款伺服器確定第二驗證碼與向與第一驗證碼一致之後，收款伺服器向待支付用戶的支付帳戶對應的帳戶管理方發送支付通知以完成支付，該支付通知中包括該待支付的支付額和該待支付用戶的支付帳戶。 In step 107, after the payment server determines in step 106 that the second verification code is consistent with the first verification code, the payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment. The payment notice includes the payment amount to be paid and the payment account of the user to be paid.

上述實施例表明，收款伺服器接收收款終端發送的支付請求，收款伺服器接收收款終端自動採集的待支付使用者的人臉圖片資訊， 收款伺服器確定待支付使用者的人臉圖片資訊與人臉圖片庫中的人臉圖片資訊是否匹配；若匹配，則收款伺服器獲取待支付用戶的支付帳號和使用者終端號碼，並根據使用者終端號碼，向待支付使用者的使用者終端發送第一驗證碼，收款伺服器接收收款終端發送的待支付使用者輸入的第二驗證碼，收款伺服器判斷第二驗證碼與第一驗證碼是否一致，若一致，則收款伺服器向待支付用戶的支付帳戶對應的帳戶管理方發送支付通知以完成支付。通過人臉識別和驗證碼的雙重驗證，可以確認用戶支付的安全性，在人臉圖片資訊驗證之後，又進行驗證碼驗證，避免了在人臉識別出現誤差的情況下進一步加強支付的安全性。只需要人臉識別和輸入驗證碼，不用進行繁瑣的刷卡和輸入密碼，提高了便利性，增加了用戶的體驗感。 The above embodiment shows that the payment server receives the payment request sent by the payment terminal, and the collection server receives the face image information of the user to be paid automatically collected by the payment terminal. The payment server determines whether the face image information of the user to be paid matches the face image information in the face image library; if matched, the payment server obtains the payment account number and the user terminal number of the user to be paid, and Sending a first verification code to the user terminal of the user to be paid according to the user terminal number, and the payment server receives the second verification code input by the user to be paid by the payment terminal, and the payment server determines the second verification code. Whether the code is consistent with the first verification code. If they are consistent, the payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment. Through the double verification of face recognition and verification code, the security of the user's payment can be confirmed. After the face image information is verified, the verification code is verified, which avoids further strengthening the security of the payment in the case of face recognition error. . Only need face recognition and input verification code, no need to carry out cumbersome card swipe and input password, which improves convenience and increases user experience.

基於相同的技術構思，圖4示出了一種支付方法的流程，該流程可以由支付裝置執行。 Based on the same technical concept, FIG. 4 shows a flow of a payment method that can be executed by a payment device.

如圖4所示，該流程具體包括： As shown in FIG. 4, the process specifically includes:

步驟401，該收款伺服器接收待支付使用者的使用者終端發送的驗證碼請求，並根據該驗證碼請求向該待支付使用者的使用者終端發送第一驗證碼。 Step 401: The payment server receives the verification code request sent by the user terminal of the user to be paid, and sends a first verification code to the user terminal of the user to be paid according to the verification code request.

步驟402，該收款伺服器接收收款終端自動採集的待支付使用者的人臉圖片資訊。 Step 402: The payment server receives the face image information of the user to be paid automatically collected by the payment terminal.

步驟403，該收款伺服器確定該待支付使用者的人臉圖片資訊與人臉圖片庫中的人臉圖片資訊是否匹配，若是，則轉入步驟404，若否，轉入步驟402。 Step 403: The payment server determines whether the face image information of the user to be paid matches the face image information in the face image library, and if yes, proceeds to step 404, and if no, proceeds to step 402.

步驟404，該收款伺服器獲取該待支付用戶的支付帳戶和待支付的支付 額。 Step 404, the payment server obtains the payment account of the user to be paid and the payment to be paid. amount.

步驟405，該收款伺服器接收該收款終端發送的待支付使用者輸入的第二驗證碼。 Step 405: The payment server receives the second verification code input by the payment terminal and the user input to be paid.

步驟406，該收款伺服器判斷該第二驗證碼與該第一驗證碼是否一致，若是，則轉入步驟407，若否，則轉入步驟405。 Step 406: The payment server determines whether the second verification code is consistent with the first verification code, and if yes, proceeds to step 407, and if no, proceeds to step 405.

步驟407，該收款伺服器向該待支付用戶的支付帳戶對應的帳戶管理方發送支付通知以完成支付。 Step 407: The payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment.

在步驟401之前，使用者通過使用者終端上的應用程式進行註冊，收款伺服器接收該使用者終端發送的使用者註冊資訊。該使用者註冊資訊包括使用者ID、與用戶ID綁定的支付帳戶、與用戶ID綁定的使用者終端號碼以及使用者的N組人臉圖片資訊，然後收款伺服器將使用者註冊資訊進行儲存。使用者終端號碼用於收款伺服器根據該使用者終端號碼向該使用者終端發送第一驗證碼。N組人臉圖片資訊用於與採集的待支付使用者的人臉圖片資訊進行匹配。N大於等於1。 Before step 401, the user registers with the application on the user terminal, and the payment server receives the user registration information sent by the user terminal. The user registration information includes a user ID, a payment account bound to the user ID, a user terminal number bound to the user ID, and a group N face image information of the user, and then the payment server registers the user information. Save it. The user terminal number is used by the payment server to send the first verification code to the user terminal according to the user terminal number. The N group face image information is used to match the collected face image information of the user to be paid. N is greater than or equal to 1.

在步驟401中，待支付用戶在購物完成後，打開使用者終端內的應用程式，向收款伺服器發送驗證碼請求，用於請求收款伺服器發送驗證碼。收款伺服器接收該待支付使用者的使用者終端發送的驗證碼請求，並根據該驗證碼請求，向該待支付使用者的使用者終端返回第一驗證碼。該第一驗證碼可以設置為設定時間內有效，超過該設定時間無法使用，需要重新獲取。該設定時間可以依據經驗進行設定，如可以設定5分鐘。收銀員在掃描使用者需要購買的物品，收款終端提交支付請求，該支付請求中可以包括待支付的支付額，該待支付的支付額用於支付時從需要在使用 者的銀行卡中扣除的金額。 In step 401, after the purchase is completed, the user to be paid opens the application in the user terminal, and sends a verification code request to the payment server for requesting the payment server to send the verification code. The payment server receives the verification code request sent by the user terminal of the user to be paid, and returns a first verification code to the user terminal of the user to be paid according to the verification code request. The first verification code can be set to be valid within the set time, and cannot be used beyond the set time, and needs to be reacquired. The set time can be set according to experience, for example, it can be set for 5 minutes. The cashier scans the item that the user needs to purchase, and the payment terminal submits a payment request, and the payment request may include a payment amount to be paid, and the payment amount to be paid is used when needed for payment. The amount deducted from the bank card.

在步驟402中，使用者終端接收到收款伺服器返回的第一驗證碼之後，收款終端需要對待支付使用者的人臉進行自動採集，自動採集到待支付使用者的人臉圖片資訊，該待支付使用者的人臉圖片資訊可以用於進行人臉識別。該待支付使用者的人臉圖片資訊可以通過攝影機或其他的人臉圖片資訊採集設備進行自動採集。收款終端將自動採集的待支付使用者的人臉圖片資訊發送給收款伺服器，收款伺服器接收該收款終端自動採集的待支付使用者的人臉圖片資訊。 In step 402, after the user terminal receives the first verification code returned by the payment server, the payment terminal needs to automatically collect the face of the user to be paid, and automatically collect the face image information of the user to be paid. The face image information of the user to be paid can be used for face recognition. The face image information of the user to be paid can be automatically collected by a camera or other face image information collecting device. The receiving terminal sends the automatically collected face image information of the user to be paid to the receiving server, and the receiving server receives the face image information of the user to be paid automatically collected by the receiving terminal.

在步驟403中，當收款伺服器接收到收款終端自動採集的待支付使用者的人臉圖片資訊之後，將該待支付使用者的人臉圖片資訊與人臉圖片庫中的人臉圖片資訊進行匹配。若待支付使用者的人臉圖片資訊與人臉圖片庫中的人臉圖片資訊匹配成功，則確認待支付用戶的身份，收款伺服器可以獲取待支付用戶的支付帳戶和使用者終端號碼。否則，通知收款終端繼續採集待支付使用者的人臉圖片資訊，若超過預設次數，一直無法匹配成功，則說明該待支付用戶無法通過驗證，從而無法進行支付，保證了用戶的銀行卡的安全性。 In step 403, after the payment server receives the face image information of the user to be paid automatically collected by the payment terminal, the face image information of the user to be paid and the face image in the face image library are displayed. Information is matched. If the face image information of the user to be paid matches the face image information in the face image library successfully, the identity of the user to be paid is confirmed, and the payment server can obtain the payment account and the user terminal number of the user to be paid. Otherwise, the receiving terminal is notified to continue collecting the face image information of the user to be paid. If the user fails to match the preset number of times, the user who is to be paid cannot pass the verification, and the payment cannot be made, thereby ensuring the user's bank card. Security.

在步驟404中，當步驟403中收款伺服器確定待支付使用者的人臉圖片資訊與人臉圖片庫中人臉圖片資訊匹配，則收款伺服器獲取待支付用戶綁定的支付帳戶和待支付的支付額，並指示收款終端向使用者提示需要輸入驗證碼。 In step 404, when the payment server determines in step 403 that the face image information of the user to be paid matches the face image information in the face image library, the payment server obtains the payment account bound by the user to be paid and The payment amount to be paid, and instructing the payment terminal to prompt the user to input a verification code.

在步驟405中，待支付使用者根據使用者終端接收到的第一驗證碼，在收款終端即POS機處，輸入第二驗證碼。收款終端將該待支付使 用者輸入的第二驗證碼發送給收款伺服器，收款伺服器接收收款終端發送的待支付使用者輸入的第二驗證碼。 In step 405, the user to be paid inputs a second verification code at the receiving terminal, that is, the POS machine, according to the first verification code received by the user terminal. The payment terminal will make the payment to be paid The second verification code input by the user is sent to the payment server, and the payment server receives the second verification code input by the payment terminal and the user input to be paid.

在步驟406中，收款伺服器判斷待支付用戶輸入的第二驗證碼是否與第一驗證碼一致，若一致，則可以確認待支付用戶的身份，進一步的驗證了待支付用戶的身份，保證了銀行卡資訊的安全性。否則需要通知收款終端繼續獲取待支付使用者輸入的第二驗證碼，若獲取預定次數的第二驗證碼之後還沒有確定一致，則確定無法進行支付。 In step 406, the payment server determines whether the second verification code input by the user to be paid is consistent with the first verification code. If they are consistent, the identity of the user to be paid can be confirmed, and the identity of the user to be paid is further verified. The security of bank card information. Otherwise, the payment terminal needs to be notified to continue to obtain the second verification code input by the user to be paid. If the second verification code is obtained after the predetermined number of times, the payment is determined.

在步驟407中，在步驟406中收款伺服器確定第二驗證碼與向與第一驗證碼一致之後，收款伺服器向待支付用戶的支付帳戶對應的帳戶管理方發送支付通知以完成支付，該支付通知中包括該待支付的支付額和該待支付用戶的支付帳戶。 In step 407, after the payment server determines in step 406 that the second verification code is consistent with the first verification code, the payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment. The payment notice includes the payment amount to be paid and the payment account of the user to be paid.

為了更好的解釋本發明實施例，下面將在具體的實施場景下描述支付的流程。 In order to better explain the embodiments of the present invention, the flow of payment will be described below in a specific implementation scenario.

場景一，支付驗證碼是通過簡訊的形式發送至手機上的。 In scenario 1, the payment verification code is sent to the mobile phone through the form of a short message.

首先，需要進行超市會員的辦理。使用者通過超市的收款終端輸入姓名、手機號等資訊，並採集人臉圖片資訊，送入後臺系統進行加密儲存，建立會員檔案。然後，收款終端綁定銀行卡資訊，刷卡輸入密碼，通過安全通訊方式送到收款伺服器並提交發卡銀行進行驗證，完成銀行卡資訊的綁定。 First of all, you need to handle the supermarket members. The user inputs information such as name and mobile phone number through the receiving terminal of the supermarket, collects facial image information, and sends it to the background system for encrypted storage to establish a member file. Then, the payment terminal binds the bank card information, swipes the password, sends the password to the receiving server through secure communication, and submits the card issuing bank for verification, and completes the binding of the bank card information.

在購物消費過程中，用戶選購商品後，到收款終端進行支付，收銀員掃描商品並提交支付請求，收款終端自動採集使用者人臉圖片資訊，並將自動採集的人臉圖片資訊送入收款伺服器進行比對，在確認用 戶身份後，收款伺服器隨機生成支付驗證碼，並向用戶的手機發送簡訊，簡訊中包括支付驗證碼和交易金額等資訊。用戶收到簡訊，確認後，在收款終端上輸入驗證碼，收款終端將該輸入的驗證碼送入到收款伺服器進行驗證，收款伺服器對該驗證碼驗證通過後，通知銀行卡的發卡銀行進行扣款完成交易。 In the process of shopping and consumption, after the user purchases the goods, the payment is made to the collection terminal, the cashier scans the goods and submits the payment request, and the collection terminal automatically collects the user face image information, and sends the automatically collected face image information. Check in to the receiving server for confirmation After the identity of the user, the payment server randomly generates a payment verification code, and sends a short message to the user's mobile phone, and the newsletter includes information such as a payment verification code and a transaction amount. After receiving the newsletter, the user enters the verification code on the receiving terminal, and the receiving terminal sends the input verification code to the receiving server for verification, and the receiving server verifies the verification code and then notifies the bank. The card issuing bank performs the deduction to complete the transaction.

場景二、支付驗證碼是向使用者的手機應用程式推送的。 Scenario 2, the payment verification code is pushed to the user's mobile application.

首先，使用者需要下載手機支付管理的應用程式，通過手機中的應用程式註冊超市會員，並驗證手機號，建立會員檔案，生成使用者ID。然後，到超市的收款終端處進行人臉圖片的採集，與使用者ID進行綁定，並通過安全通訊方式送入後臺進行加密儲存。最後，收款終端綁定銀行卡資訊，刷卡輸入密碼，通過安全通訊方式送到後臺並提交發送卡銀行進行驗證，完成銀行卡資訊的綁定。 First, the user needs to download the mobile payment management application, register the supermarket member through the application in the mobile phone, verify the mobile phone number, create a member profile, and generate a user ID. Then, the face image is collected at the collection terminal of the supermarket, bound with the user ID, and sent to the background for secure storage through secure communication. Finally, the payment terminal binds the bank card information, swipes the password, sends it to the background through secure communication, and submits it to the sending card bank for verification, and completes the binding of the bank card information.

在購物消費過程中，用戶選購商品後，打開手機中的應用程式，向收款伺服器請求獲取隨機驗證碼，在收到收款伺服器發送的隨機驗證碼之後，到收款終端前進行支付，收銀員掃描商品並提交支付請求，收款終端自動採集使用者人臉圖片資訊，並將自動採集的人臉圖片資訊送入收款伺服器進行比對，在確認用戶身份後，使用者在收款終端上輸入驗證碼，收款終端將該輸入的驗證碼送入收款伺服器進行驗證，收款伺服器對該驗證碼驗證通過後完成交易。 In the process of shopping and consumption, after the user purchases the product, the application in the mobile phone is opened, and the random verification code is requested from the receiving server, and after receiving the random verification code sent by the receiving server, the payment terminal is sent to the receiving terminal. Pay, the cashier scans the product and submits the payment request, the receiving terminal automatically collects the user's face image information, and sends the automatically collected face image information to the receiving server for comparison, after confirming the user identity, the user The verification code is input on the payment terminal, and the payment terminal sends the input verification code to the payment server for verification, and the payment server completes the transaction after verifying the verification code.

基於相同的技術構思，圖5示出了本發明實施例提供的一種支付裝置的結構，該裝置可以執行支付的流程。 Based on the same technical concept, FIG. 5 shows a structure of a payment apparatus provided by an embodiment of the present invention, which can execute a payment process.

如圖5所示，該裝置具體包括： 第一接收單元501，用於接收收款終端發送的支付請求，該支付請求包括待支付的支付額；第二接收單元502，用於接收該收款終端自動採集的待支付使用者的人臉圖片資訊；確定單元503，用於確定該待支付使用者的人臉圖片資訊與人臉圖片庫中人臉圖片資訊是否匹配；發送單元504，用於若該待支付使用者的人臉圖片資訊與人臉圖片庫中人臉圖片資訊匹配，則獲取該待支付用戶的支付帳號和使用者終端號碼，並根據該使用者終端號碼，向該待支付使用者的使用者終端發送第一驗證碼；第三接收單元505，用於接收該收款終端發送的待支付使用者輸入的第二驗證碼；判斷單元506，用於判斷該第二驗證碼與該第一驗證碼是否一致；支付單元507，用於向該待支付用戶的支付帳戶對應的帳戶管理方發送支付通知以完成支付，該支付通知中包括該待支付的支付額和該待支付用戶的支付帳戶。 As shown in FIG. 5, the device specifically includes: The first receiving unit 501 is configured to receive a payment request sent by the payment terminal, where the payment request includes a payment amount to be paid, and the second receiving unit 502 is configured to receive a face of the user to be paid automatically collected by the payment terminal. The image information determining unit 503 is configured to determine whether the face image information of the user to be paid matches the face image information in the face image library, and the sending unit 504 is configured to: if the user of the to-be-paid user has the face image information Matching the face image information in the face image library, obtaining the payment account number and the user terminal number of the user to be paid, and sending a first verification code to the user terminal of the user to be paid according to the user terminal number a third receiving unit 505, configured to receive a second verification code that is sent by the payment terminal to be paid by the user, and a determining unit 506, configured to determine whether the second verification code is consistent with the first verification code; 507. The account management party corresponding to the payment account of the to-be-paid user sends a payment notification to complete the payment, where the payment notification includes the payment amount to be paid and The user's payment account to be paid.

優選地，該發送單元504具體用於：向該待支付使用者的使用者終端發送支付確認簡訊，該支付確認簡訊中包括該第一驗證碼；或向該待支付使用者的使用者終端中的應用程式推送該第一驗證碼。 Preferably, the sending unit 504 is configured to: send a payment confirmation message to the user terminal of the user to be paid, the payment confirmation message includes the first verification code; or to the user terminal of the user to be paid The app pushes the first verification code.

優選地，還包括：第四接收單元(圖中未示出)和儲存單元(圖中未示出)； 在接收收款終端發送的支付請求之前，接收使用者註冊資訊，該註冊資訊中包括使用者ID、與用戶ID綁定的支付帳戶、與用戶ID綁定的使用者終端號碼以及使用者的N組人臉圖片資訊，N大於等於1；該儲存單元具體用於將該使用者的註冊資訊進行儲存。 Preferably, the method further includes: a fourth receiving unit (not shown) and a storage unit (not shown); Before receiving the payment request sent by the payment terminal, receiving user registration information, the registration information includes a user ID, a payment account bound to the user ID, a user terminal number bound to the user ID, and a user N Group face picture information, N is greater than or equal to 1; the storage unit is specifically used to store the user's registration information.

基於相同的技術構思，圖6示出了本發明實施例提供的一種支付裝置，該裝置可以執行支付的流程。 Based on the same technical concept, FIG. 6 shows a payment device provided by an embodiment of the present invention, which can execute a payment process.

如圖6所示，該裝置具體包括：第一接收單元601，用於接收待支付使用者的使用者終端發送的驗證碼請求，並根據該驗證碼請求向該待支付使用者的使用者終端發送第一驗證碼；第二接收單元602，用於接收收款終端自動採集的待支付使用者的人臉圖片資訊；確定單元603，用於確定該待支付使用者的人臉圖片資訊與人臉圖片庫中的人臉圖片資訊是否匹配；獲取單元604，用於該待支付使用者的人臉圖片資訊與人臉圖片庫中人臉圖片資訊匹配，則獲取該待支付用戶的支付帳戶和待支付的支付額；第三接收單元605，用於接收該收款終端發送的待支付使用者輸入的第二驗證碼；判斷單元606，用於判斷該第二驗證碼與該第一驗證碼是否一致；支付單元607，用於向該待支付用戶的支付帳戶對應的帳戶管理方發送支付通知以完成支付，該支付通知中包括該待支付的支付額和該待支付用戶的支付帳戶。 As shown in FIG. 6, the device specifically includes: a first receiving unit 601, configured to receive a verification code request sent by a user terminal of a user to be paid, and request a user terminal to the user to be paid according to the verification code. The first receiving unit 602 is configured to receive the face image information of the user to be paid automatically collected by the payment terminal, and the determining unit 603 is configured to determine the face image information of the user to be paid and the person Whether the face image information in the face image library matches; the obtaining unit 604, if the face image information of the user to be paid matches the face image information in the face image library, obtain the payment account of the user to be paid and a payment amount to be paid; a third receiving unit 605, configured to receive a second verification code that is sent by the user to be paid by the payment terminal; and a determining unit 606, configured to determine the second verification code and the first verification code Whether the payment is consistent; the payment unit 607 is configured to send a payment notification to the account management party corresponding to the payment account of the to-be-paid user to complete the payment, where the payment notification includes the to-be-paid branch The payment amount and the payment account of the user to be paid.

本發明是參照根據本發明實施例的方法、設備(系統)、和電腦程式產品的流程圖和/或方塊圖來描述的。應理解可由電腦程式指令實現流程圖和/或方塊圖中的每一流程和/或方塊、以及流程圖和/或方塊圖中的流程和/或方塊的結合。可提供這些電腦程式指令到通用電腦、專用電腦、嵌入式處理機或其他可程式設計資料處理設備的處理器以產生一個機器，使得通過電腦或其他可程式設計資料處理設備的處理器執行的指令產生用於實現在流程圖一個流程或多個流程和/或方塊圖一個方塊或多個方塊中指定的功能的裝置。 The present invention has been described with reference to flowchart illustrations and/or block diagrams of a method, apparatus (system), and computer program product according to embodiments of the invention. It will be understood that each flow and/or block of the flowcharts and/or <RTIgt; These computer program instructions can be provided to a processor of a general purpose computer, a special purpose computer, an embedded processor or other programmable data processing device to produce a machine for executing instructions by a processor of a computer or other programmable data processing device Means are generated for implementing the functions specified in one or more flows of the flowchart or in a block or blocks of the block diagram.

這些電腦程式指令也可儲存在能引導電腦或其他可程式設計資料處理設備以特定方式工作的電腦可讀記憶體中，使得儲存在該電腦可讀記憶體中的指令產生包括指令裝置的製造品，該指令裝置實現在流程圖一個流程或多個流程和/或方塊圖一個方塊或多個方塊中指定的功能。 The computer program instructions can also be stored in a computer readable memory that can boot a computer or other programmable data processing device to operate in a particular manner, such that instructions stored in the computer readable memory produce an article of manufacture including the instruction device. The instruction means implements the functions specified in one or more blocks of a flow or a flow and/or block diagram of the flowchart.

這些電腦程式指令也可裝載到電腦或其他可程式設計資料處理設備上，使得在電腦或其他可程式設計設備上執行一系列操作步驟以產生電腦實現的處理，從而在電腦或其他可程式設計設備上執行的指令提供用於實現在流程圖一個流程或多個流程和/或方塊圖一個方塊或多個方塊中指定的功能的步驟。 These computer program instructions can also be loaded onto a computer or other programmable data processing device to perform a series of operational steps on a computer or other programmable device to produce computer-implemented processing on a computer or other programmable device. The instructions executed on the steps provide steps for implementing the functions specified in one or more flows of the flowchart or in a block or blocks of the flowchart.

儘管已描述了本發明的優選實施例，但本領域內的技術人員一旦得知了基本創造性概念，則可對這些實施例作出另外的變更和修改。所以，所附申請專利範圍意欲解釋為包括優選實施例以及落入本發明範圍的所有變更和修改。 While the preferred embodiment of the invention has been described, it will be understood that Therefore, the scope of the appended claims is intended to be construed as a

顯然，本領域的技術人員可以對本發明進行各種改動和變型 而不脫離本發明的精神和範圍。這樣，倘若本發明的這些修改和變型屬於本發明申請專利範圍及其等同技術的範圍之內，則本發明也意圖包含這些改動和變型在內。 Obviously, various modifications and variations can be made to the invention by those skilled in the art. Without departing from the spirit and scope of the invention. Thus, it is intended that the present invention cover the modifications and modifications of the invention

101~107‧‧‧步驟 101~107‧‧‧Steps

Claims (8)

一種支付方法，其特徵在於，包括：收款伺服器接收收款終端發送的支付請求，該支付請求包括待支付的支付額；該收款伺服器接收該收款終端自動採集的待支付使用者的人臉圖片資訊；該收款伺服器確定該待支付使用者的人臉圖片資訊與人臉圖片庫中的人臉圖片資訊是否匹配；若匹配，則該收款伺服器獲取該待支付用戶的支付帳號和使用者終端號碼，並根據該使用者終端號碼，向該待支付使用者的使用者終端發送第一驗證碼；該收款伺服器接收該收款終端發送的待支付使用者輸入的第二驗證碼；該收款伺服器判斷該第二驗證碼與該第一驗證碼是否一致；若一致，則該收款伺服器向該待支付用戶的支付帳戶對應的帳戶管理方發送支付通知以完成支付，該支付通知中包括該待支付的支付額和該待支付用戶的支付帳戶。 A payment method, comprising: receiving a payment request sent by a payment terminal, the payment request comprising a payment amount to be paid; and the payment server receiving the user to be paid automatically collected by the collection terminal The face image information; the payment server determines whether the face image information of the user to be paid matches the face image information in the face image library; if matched, the payment server obtains the user to be paid a payment account number and a user terminal number, and sending a first verification code to the user terminal of the user to be paid according to the user terminal number; the payment server receiving the user input to be paid sent by the payment terminal a second verification code; the payment server determines whether the second verification code is consistent with the first verification code; if the payment is consistent, the payment server sends a payment to the account management party corresponding to the payment account of the user to be paid The notification is completed to complete the payment, and the payment notification includes the payment amount to be paid and the payment account of the user to be paid. 如請求項1所述的支付方法，其中，該收款伺服器向該待支付使用者的使用者終端發送第一驗證碼，包括：該收款伺服器向該待支付使用者的使用者終端發送支付確認簡訊，該支付確認簡訊中包括該第一驗證碼；或該收款伺服器向該待支付使用者的使用者終端中的應用程式推送 該第一驗證碼。 The payment method of claim 1, wherein the payment server sends a first verification code to the user terminal of the user to be paid, comprising: the payment server to the user terminal of the user to be paid Sending a payment confirmation message, the payment confirmation message including the first verification code; or the payment server pushing the application in the user terminal of the user to be paid The first verification code. 如請求項1所述的支付方法，其中，在收款伺服器接收收款終端發送的支付請求之前，還包括：該收款伺服器接收使用者註冊資訊，該註冊資訊中包括使用者ID、與用戶ID綁定的支付帳戶、與用戶ID綁定的使用者終端號碼以及使用者的N組人臉圖片資訊，N大於等於1；該收款伺服器將該使用者的註冊資訊進行儲存。 The payment method of claim 1, wherein before the payment server receives the payment request sent by the payment terminal, the method further comprises: the payment server receiving user registration information, wherein the registration information includes a user ID, The payment account bound to the user ID, the user terminal number bound to the user ID, and the N group face image information of the user, N is greater than or equal to 1; the payment server stores the registration information of the user. 一種支付方法，其特徵在於，包括：該收款伺服器接收待支付使用者的使用者終端發送的驗證碼請求，並根據該驗證碼請求向該待支付使用者的使用者終端發送第一驗證碼；該收款伺服器接收收款終端自動採集的待支付使用者的人臉圖片資訊；該收款伺服器確定該待支付使用者的人臉圖片資訊與人臉圖片庫中的人臉圖片資訊是否匹配；若匹配成功，則該收款伺服器獲取該待支付用戶的支付帳戶和待支付的支付額；該收款伺服器接收該收款終端發送的待支付使用者輸入的第二驗證碼；該收款伺服器判斷該第二驗證碼與該第一驗證碼是否一致；若一致，則該收款伺服器向該待支付用戶的支付帳戶對應的帳戶管理方發送支付通知以完成支付，該支付通知中包括該待支付的支付 額和該待支付用戶的支付帳戶。 A payment method, comprising: receiving, by the payment server, a verification code request sent by a user terminal of a user to be paid, and sending a first verification to the user terminal of the user to be paid according to the verification code request The payment server receives the face image information of the user to be paid automatically collected by the payment terminal; the payment server determines the face image information of the user to be paid and the face image in the face image library Whether the information matches; if the matching is successful, the payment server obtains the payment account of the user to be paid and the payment amount to be paid; the payment server receives the second verification of the user input to be paid by the payment terminal. The payment server determines whether the second verification code is consistent with the first verification code; if the payment is consistent, the payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment. The payment notice includes the payment to be paid The amount and the payment account of the user to be paid. 一種支付裝置，其特徵在於，包括：第一接收單元，用於接收收款終端發送的支付請求，該支付請求包括待支付的支付額；第二接收單元，用於接收該收款終端自動採集的待支付使用者的人臉圖片資訊；確定單元，用於確定該待支付使用者的人臉圖片資訊與人臉圖片庫中人臉圖片資訊是否匹配；發送單元，用於若該待支付使用者的人臉圖片資訊與人臉圖片庫中人臉圖片資訊匹配，則獲取該待支付用戶的支付帳號和使用者終端號碼，並根據該使用者終端號碼，向該待支付使用者的使用者終端發送第一驗證碼；第三接收單元，用於接收該收款終端發送的待支付使用者輸入的第二驗證碼；判斷單元，用於判斷該第二驗證碼與該第一驗證碼是否一致；支付單元，用於向該待支付用戶的支付帳戶對應的帳戶管理方發送支付通知以完成支付，該支付通知中包括該待支付的支付額和該待支付用戶的支付帳戶。 A payment device, comprising: a first receiving unit, configured to receive a payment request sent by a payment terminal, the payment request includes a payment amount to be paid; and a second receiving unit, configured to receive the automatic collection by the collection terminal a face image information of the user to be paid; a determining unit, configured to determine whether the face image information of the user to be paid matches the face image information in the face image library; and the sending unit is configured to be used for payment If the face image information of the person matches the face image information in the face image library, the payment account number and the user terminal number of the user to be paid are obtained, and the user of the user to be paid is obtained according to the user terminal number. The terminal sends a first verification code, and the third receiving unit is configured to receive a second verification code that is sent by the payment terminal and is input by the user; the determining unit is configured to determine whether the second verification code and the first verification code are a payment unit, configured to send a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment notification includes Payments to be paid and to be paid to the user's payment account. 如請求項5所述的支付裝置，其中，該發送單元具體用於：向該待支付使用者的使用者終端發送支付確認簡訊，該支付確認簡訊中包括該第一驗證碼；或向該待支付使用者的使用者終端中的應用程式推送該第一驗證 碼。 The payment device of claim 5, wherein the sending unit is configured to: send a payment confirmation message to the user terminal of the user to be paid, the payment confirmation message includes the first verification code; or The application in the user terminal of the payment user pushes the first verification code. 如請求項5所述的支付裝置，其中，還包括：第四接收單元和儲存單元；在接收收款終端發送的支付請求之前，接收使用者註冊資訊，該註冊資訊中包括使用者ID、與用戶ID綁定的支付帳戶、與用戶ID綁定的使用者終端號碼以及使用者的N組人臉圖片資訊，N大於等於1；該儲存單元具體用於將該使用者的註冊資訊進行儲存。 The payment device of claim 5, further comprising: a fourth receiving unit and a storage unit; before receiving the payment request sent by the payment terminal, receiving user registration information, the registration information including the user ID, and The payment account bound to the user ID, the user terminal number bound to the user ID, and the N group face image information of the user, N is greater than or equal to 1; the storage unit is specifically configured to store the registration information of the user. 一種支付裝置，其特徵在於，包括：第一接收單元，用於接收待支付使用者的使用者終端發送的驗證碼請求，並根據該驗證碼請求向該待支付使用者的使用者終端發送第一驗證碼；第二接收單元，用於接收收款終端自動採集的待支付使用者的人臉圖片資訊；確定單元，用於確定該待支付使用者的人臉圖片資訊與人臉圖片庫中的人臉圖片資訊是否匹配；獲取單元，用於若該待支付使用者的人臉圖片資訊與人臉圖片庫中人臉圖片資訊匹配，則獲取該待支付用戶的支付帳戶和待支付的支付額；第三接收單元，用於接收該收款終端發送的待支付使用者輸入的第二驗證碼；判斷單元，用於判斷該第二驗證碼與該第一驗證碼是否一致；支付單元，用於向該待支付用戶的支付帳戶對應的帳戶管理方發 送支付通知以完成支付，該支付通知中包括該待支付的支付額和該待支付用戶的支付帳戶。 A payment device, comprising: a first receiving unit, configured to receive a verification code request sent by a user terminal of a user to be paid, and send a request to the user terminal of the user to be paid according to the verification code request a verification code; the second receiving unit is configured to receive the face image information of the user to be paid automatically collected by the payment terminal; and the determining unit is configured to determine the face image information and the face image library of the user to be paid Whether the face image information matches; the obtaining unit is configured to obtain the payment account of the user to be paid and the payment to be paid if the face image information of the user to be paid matches the face image information in the face image library a third receiving unit, configured to receive a second verification code that is sent by the user to be paid by the payment terminal, and a determining unit, configured to determine whether the second verification code is consistent with the first verification code, and a payment unit, The account management party corresponding to the payment account of the user to be paid A payment notification is sent to complete the payment, and the payment notification includes the payment amount to be paid and the payment account of the user to be paid.
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