TW202133077A - Information processing method, apparatus, and device, and medium - Google Patents

Abstract

An information processing method, apparatus, and device, and a medium. The information processing method comprises: receiving a payment information obtaining request sent by a first electronic device, the payment information obtaining request comprising a first face acquisition image of a target payee; in response to the payment information obtaining request, determining target index information corresponding to the first face acquisition image; generating payment information according to target account information corresponding to the target index information; and sending the payment information to the first electronic device, so that the first electronic device displays a payment interface corresponding to the payment information. The present method can improve the security of payees' accounts and the security of payment transactions, and reduce the cost of payment transactions.

Description

Information processing method, device, equipment and medium

The present invention belongs to the technical field of information processing, and in particular relates to an information processing method, device, equipment and medium.

At present, the existing mobile payment methods mainly include: static QR code scan code payment, dynamic QR code scan code payment, flash payment and face payment. Although these payment methods can quickly realize the payment transaction between the payer and the payee, they also have the following drawbacks:

For the static QR code scanning payment method, because the static QR code of the payee will not change once it is generated, and the static QR code is always facing others, so that others can obtain the payee through the static QR code At the same time, the static QR code still has the risk of being exchanged by others, which reduces the security of the payee’s account and the security of payment transactions;

For payment methods such as dynamic QR code scan payment, flash payment, and face payment, the payee needs to use additional equipment for payment transactions, for example, a display device used to display the payee’s dynamic QR code , A collection device with flash payment collection function or a collection device with face collection and living body sensing functions increase the cost of payment transactions.

The embodiments of the present invention provide an information processing method, device, equipment, and medium, which can improve the security of the payee's account and the security of payment transactions, and reduce the cost of payment transactions.

In the first aspect, an embodiment of the present invention provides an information processing method, including:

Receiving a payment information acquisition request sent by the first electronic device; wherein the payment information acquisition request includes the first face collection image of the target payee;

In response to the payment information acquisition request, determine the target index information corresponding to the first face collection image;

Generate payment information according to the target account information corresponding to the target index information;

The payment information is sent to the first electronic device, so that the first electronic device displays the payment interface corresponding to the payment information.

In the second aspect, an embodiment of the present invention provides an information processing method, including:

Receiving the user's first input to the target application;

In response to the first input, obtain the first face collection image of the target payee;

Send a payment information acquisition request to the application server corresponding to the target application, so that the application server responds to the payment information acquisition request, determines the target index information corresponding to the first face collection image, and based on the target account information corresponding to the target index information , Generate payment information; where the payment information acquisition request includes the first face collection image;

Receive payment information sent by the application server;

Display the payment interface corresponding to the payment information.

In a third aspect, an embodiment of the present invention provides an information processing device, including:

The first request receiving module is configured to receive the payment information acquisition request sent by the first electronic device; wherein the payment information acquisition request includes the first face collection image of the target payee;

The index information determination module is used to determine the target index information corresponding to the first face collection image in response to the payment information acquisition request;

The payment information generation module is used to generate payment information based on the target account information corresponding to the target index information;

The payment information sending module is used to send the payment information to the first electronic device so that the first electronic device displays the payment interface corresponding to the payment information.

In a fourth aspect, an embodiment of the present invention provides an information processing device, including:

The first input receiving module is used to receive the user's first input to the target application;

The first image acquisition module is configured to acquire the first face acquisition image of the target payee in response to the first input;

The first request sending module is used to send a payment information acquisition request to the application server corresponding to the target application, so that the application server responds to the payment information acquisition request to determine the target index information corresponding to the first face acquisition image, and The payment information is generated according to the target account information corresponding to the target index information; wherein the payment information acquisition request includes the first face collection image;

Payment information receiving module for receiving payment information sent by the application server;

The payment interface display module is used to display the payment interface corresponding to the payment information.

In a fifth aspect, an embodiment of the present invention provides an information processing device, the device including: a processor and a memory storing computer program instructions;

The processor implements the information processing method as described in the first aspect or the second aspect when the processor executes computer program instructions.

In a sixth aspect, an embodiment of the present invention provides a computer-readable storage medium with computer program instructions stored on the computer-readable storage medium. When the computer program instructions are executed by a processor, the computer program instructions described in the first or second Information processing methods.

The information processing method, device, device and medium of the embodiments of the present invention can use the first face collection image of the target payee sent by the first electronic device to determine the target index information, and the target account corresponding to the target index information The information generates payment information so that the first electronic device can obtain the payment information of the target payee and directly display the payment interface corresponding to the payment information. Since the first electronic device can directly open the corresponding payment interface only by collecting images from the face , No need to use additional static QR codes, therefore, it can avoid the leakage of the payee’s account information, improve the security of the payee’s account, and also prevent the payee’s receiving account information from being exchanged, which enhances the payment transaction safety. In addition, the payer can directly use the first electronic device to complete the entire payment transaction without the need for the payee to use additional equipment, which reduces the cost of the payment transaction.

310: Application Server

320: Identity Authentication Server

330: Face Recognition Server

340: Information Generation Server

350: The first electronic device

360: second electronic device

610: The first request receiving module

620: Index information determination module

630: Payment Information Generation Module

640: Payment Information Sending Module

710: The first input receiving module

720: The first image acquisition module

730: The first request sending module

740: Payment Information Receiving Module

750: payment interface display module

800: Information processing equipment

801: input device

802: Input interface

803: Central Processing Unit

804: memory

805: output interface

806: output device

810: Bus

S110~S140, S210~S250, S401~S415, S501~S513: steps

In order to explain the technical solutions of the embodiments of the present invention more clearly, the following will briefly introduce the schemas that need to be used in the embodiments of the present invention. For those of ordinary skill in the art, without creative work, Other schemas can be obtained from these schemas.

FIG. 1 is a schematic flowchart of an information processing method provided by an embodiment of the present invention;

2 is a schematic flowchart of an information processing method according to another embodiment of the present invention;

3 is a system architecture diagram of an information processing system provided by an embodiment of the present invention;

FIG. 4 is an example of the information processing flow of the information processing system shown in FIG. 3;

FIG. 5 is another example of the information processing flow of the information processing system shown in FIG. 3;

FIG. 6 is a schematic structural diagram of an information processing device provided by an embodiment of the present invention;

FIG. 7 is a schematic structural diagram of an information processing device provided by another embodiment of the present invention;

FIG. 8 is a schematic diagram of the hardware structure of an information processing device according to an embodiment of the invention.

The features and exemplary embodiments of each aspect of the present invention will be described in detail below. In order to make the objectives, technical solutions, and advantages of the present invention clearer, the following further describes the present invention in detail with reference to the drawings and specific embodiments. It should be understood that the specific embodiments described herein are only configured to explain the present invention, but not configured to limit the present invention. For those skilled in the art, the present invention can be implemented without some of these specific details. The following description of the embodiments is only to provide a better understanding of the present invention by showing examples of the present invention.

It should be noted that in this article, relational terms such as first and second are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply one of these entities or operations. There is any such actual relationship or order between. Moreover, the terms "include", "include" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements not only includes those elements, but also includes those that are not explicitly listed Other elements of, or also include elements inherent to this process, method, article or equipment. In the case of no more restrictions, by the statement "package The elements defined by..." do not exclude the existence of other same elements in the process, method, article or equipment including the elements.

At present, the existing mobile payment methods mainly include: static QR code scan code payment, dynamic QR code scan code payment, flash payment and face payment.

The static QR code scanning payment method is: the payer uses the payment device to scan the static QR code to obtain the payment interface used to pay the payee, and complete the payment transaction in the payment interface. Because static QR code generation is simple and convenient, static QR code scanning payment methods occupy a wide market share in the mobile payment field, especially the small and micro market.

The dynamic QR code scanning payment method is: the payee uses the display device to display the dynamic QR code, and the payer uses the payment device to scan the dynamic QR code to obtain the payment interface used to pay the payee, and display the dynamic QR code on the payment interface. Complete the payment transaction within. Since the dynamic two-dimensional code can dynamically change the encoding information of the two-dimensional code, the two-dimensional code information after the timeout is automatically invalidated, making the transaction process more secure.

The flash payment payment method is: the payee uses the payment device with the flash payment collection function to obtain the payer's mobile wallet or the account information of the bank card with the flash payment function to complete the payment transaction. Among them, the receiving device may specifically be a device supporting Near Field Communication (NFC) technology, so that the payee and the payer can complete the payment transaction conveniently and quickly.

The face-scanning payment method is: the payee collects the face image of the payer using the payee device with face collection function, and the payee device obtains the payer's account information through face recognition technology to complete the payment transaction. For payment methods such as dynamic QR code scan payment, flash payment, and face payment, the payee needs to use additional equipment for payment transactions, for example, a display device used to display the payee’s dynamic QR code , A collection device with flash payment collection function or a collection device with face collection function, which increases the cost of payment transactions. In addition, for the face-swiping payment method, the face image may be obtained without the payee's knowledge, resulting in the disclosure of account information, which reduces the security of the payer's account.

In order to solve the above-mentioned problems in the prior art, embodiments of the present invention provide an information processing method, device, equipment, and medium. The following first provides the embodiment of the present invention Of information processing methods.

FIG. 1 shows a schematic flowchart of an information processing method provided by an embodiment of the present invention.

In some embodiments of the present invention, the method shown in FIG. 1 may be executed by an application server of a target application, where the target application may be an application with a payment transaction function, and the application server may be a high-performance electronic calculator. Used to store and process data. As shown in Figure 1, the information processing method may include:

S110. Receive a payment information acquisition request sent by the first electronic device; where the payment information acquisition request includes the first face collection image of the target payee;

S120: In response to the payment information acquisition request, determine the target index information corresponding to the first face collection image;

S130: Generate payment information according to the target account information corresponding to the target index information;

S140: Send the payment information to the first electronic device, so that the first electronic device displays the payment interface corresponding to the payment information.

In the embodiment of the present invention, the first face collection image of the target payee sent by the first electronic device can be used to determine the target index information, and the payment information can be generated according to the target account information corresponding to the target index information, so that the first An electronic device obtains the payment information of the target payee, and directly displays the payment interface corresponding to the payment information. Since the first electronic device can directly open the corresponding payment interface by only collecting images from the face, no additional static two-dimensional Therefore, the account information of the payee can be prevented from being leaked, the account security of the payee can be improved, and the account information of the payee can be prevented from being exchanged, thereby enhancing the security of the payment transaction. In addition, the payer can directly use the first electronic device to complete the entire payment transaction without the need for the payee to use additional equipment, which reduces the cost of the payment transaction.

In S110 of some embodiments of the present invention, the first electronic device may be a payment device used by the payer, and the target application is installed on the payment device. Among them, the payment device can be a mobile phone, a tablet computer, a smart watch, etc.

When the payer uses the target application in the payment device to make a payment transaction, The payment device can be used to collect the first face collection image of the target payee, and send a payment information acquisition request carrying the first face collection image to the application server. After receiving the payment information acquisition request, the application server may feed back the payment information corresponding to the payment information acquisition request to the first electronic device based on the first face collection image.

In some embodiments of the present invention, the specific method of S120 may include:

Among the multiple preset face images, identify the target face image that matches the first face collection image;

Determine the target index information associated with the target face image.

In the embodiment of the present invention, each default face image is the information that its corresponding payee uploads to the application server when the payee registers the default account information and the default account information passes through the index information. Indirectly associate the stored face images.

Specifically, the application server may be based on the face recognition technology, identify the target face image matching the first face acquisition image among multiple preset face images, and then obtain the correlation with the target face image The stored target index information. Therefore, based on the face recognition technology, the target index information corresponding to the first face collection image can be accurately obtained, and the reliability of the generated payment information can be improved, thereby improving the security of the payment transaction.

In some embodiments, the target face image may be a face image similar to the first face acquisition image. At this time, the specific method for identifying the target face image matching the first face collection image among the plurality of preset face images may include:

Determine the face similarity between each preset face image and the first face collection image;

According to the similarity of the face, the target face image is determined.

Wherein, the application server may determine the face similarity between each preset face image and the first face collection image based on the face recognition technology. It should be noted that the face recognition technology can be any existing face recognition technology, as long as it can determine the face similarity between the preset face image and the first face collection image, and it will not be done here. limit.

In these embodiments, the specific method for determining the target face image according to the face similarity will be described separately according to different situations:

The first case

In this case, the specific method for determining the target face image according to the face similarity may include:

When there is a first face image with the greatest face similarity, the first face image is used as the target face image.

Specifically, after determining the face similarity between each preset face image and the first face acquisition image, and sorting the obtained face similarity, the obtained face similarity to the first face acquisition image When the number of preset face images with the largest face similarity is one, the preset face image can be expressed as the first face image, that is, there is only one preset face image in the multiple preset face images The first face image with the greatest face similarity. At this time, the first face image can be directly used as the target face image.

In this case, the first face collection image can be an image capture of the face of the target payee or a face image of the payee (such as a photo) placed in the target payee’s merchant. ) The face acquisition image obtained by shooting.

Second case

In this case, the payment information acquisition request may also include device location information of the first electronic device.

Further, the specific method for determining the target face image according to the face similarity may include:

In the case that there are multiple second face images with the greatest face similarity, acquiring the preset position information marked by each second face image;

The second face image whose preset location information is the same as the device location information is used as the target face image.

Specifically, after determining the face similarity between each preset face image and the first face acquisition image, and sorting the obtained face similarity, the obtained face similarity to the first face acquisition image When the number of preset face images with the greatest facial similarity is multiple, the preset face image can be expressed as a second face image, that is, there are multiple preset face images Multiple second face images with the greatest face similarity, each of the second face image and the first face image collected Facial similarity is the same.

For example, when the same payee may operate multiple merchants, and the different merchants operated by the payee have independent default account information, the default face image associated with each merchant's default account information The images may be the same. At this time, there may be multiple second face images with the greatest facial similarity to the first face collection image among the multiple preset face images.

In order to still be able to accurately identify the account information that the payer wants to pay in this situation, when storing preset face images, each preset face image can be marked with preset location information. The preset location information can be used to distinguish information from different businesses. Specifically, the location accuracy of the preset location information can be determined based on the smallest location difference between different businesses. For example, if the smallest location difference between different businesses is different prefecture-level cities, the preset location information can be as accurate as possible. Level city information, for example, if the smallest location difference between different businesses is different streets, the default location information can be accurate to street information.

Therefore, in this case, the preset location information marked by each second face image and the device location information of the first electronic device can be obtained, and the second person whose preset location information is the same as the device location information can be obtained The face image is used as the target face image.

Wherein, the device location information of the first electronic device can be acquired by the target application in the first electronic device, and sent to the application server through a payment information acquisition request.

In this case, the first face collection image can be an image capture of the face of the target payee or a face image of the payee (such as a photo) placed in the target payee’s merchant. ) The face acquisition image obtained by shooting.

Therefore, in the embodiment of the present invention, when the payee has multiple receiving account information, the target account information of the payer who wants to make a payment transaction can be accurately determined based on the device location information of the first electronic device. .

The third case

In this case, the specific method for determining the target face image according to the face similarity may include:

In the case that there are multiple third face images with the greatest face similarity, acquiring the preset text information marked by each third face image;

A third face image whose preset text information is the same as the image text information in the first face collection image is used as the target face image.

Specifically, after determining the face similarity between each preset face image and the first face acquisition image, and sorting the obtained face similarity, the obtained face similarity to the first face acquisition image When the number of preset face images with the greatest facial similarity is multiple, the preset face image can be expressed as a third face image, that is, there are multiple preset face images A plurality of third face images with the greatest face similarity, and each third face image has the same face similarity with the first face collection image.

For example, when the same payee may operate multiple merchants, and the different merchants operated by the payee have independent default account information, the default face image associated with each merchant's default account information The images may be the same. At this time, there may be a plurality of third face images with the greatest facial similarity to the first face collection image among the multiple preset face images.

In order to still be able to accurately identify the account information that the payer wants to pay in this case, when the payee uploads the default face image associated with each preset account information, the default face can be uploaded at the same time The default text information corresponding to the image. When storing the preset face images, each preset face image can be marked with its corresponding preset text information, and the marked preset text information can be regarded as information that can distinguish different businesses. Specifically, the preset text information may be information such as a digital number and a name of the merchant corresponding to each merchant.

Therefore, in this case, it is possible to obtain the preset text information marked by each third face image and to recognize the image text information in the first face collection image based on the image text recognition technology, and to predict the Assume that a third face image with the same text information as the image text information in the first face collection image is taken as the target face image.

In this case, the first face collection image may be a face collection image obtained by shooting a face image (such as a photo) of the payee placed in the merchant of the target payee, where , The face image (such as a photo) has the above-mentioned image text information.

Therefore, in the embodiment of the present invention, when the payee has multiple receiving account information, it can be accurately determined that the payer wants to make a payment based on the image text information in the first face collection image The target account information of the transaction.

In other embodiments, the payment information acquisition request may also include device location information of the first electronic device.

In these embodiments, optionally, the specific method for determining the face similarity between each preset face image and the first face collection image may include:

Determine the destination area to which the device location information belongs;

Among multiple preset face images, filter preset face images marked with a destination area;

Determine the face similarity between each selected preset face image and the first face collection image.

Specifically, when storing preset face images, each preset face image may be marked with the geographic area to which the corresponding merchant belongs. Specifically, the regional level of the geographic area may be set as required.

After the application server receives the device location information, it can determine the above-mentioned area level, determine the destination area to which it belongs, and then filter the marked geographic area from the multiple preset face images for the same destination area Preset face images, and then determine the face similarity between each selected preset face image and the first face collection image.

As a result, the preset face images can be preliminarily screened based on the destination area to which the device location information belongs, reducing the amount of data processing for calculating the face similarity, improving the efficiency of determining the face similarity, and reducing the waiting time of the payer Time to obtain payment information.

In still other embodiments, the payment information acquisition request may also include merchant information of the first electronic device, such as merchant name information.

Specifically, the payer may input the merchant name information into the payment device before using the payment device to send the payment information acquisition request, so that the payment information acquisition request includes the merchant name information.

In these embodiments, optionally, the specific method for determining the face similarity between each preset face image and the first face collection image may include:

Among the multiple preset face images, filter the preset face images marked with business name information;

Determine the face similarity between each selected preset face image and the first face collection image.

Specifically, when the merchant is a chain merchant, when the preset face image is stored, each preset face image may be marked with its corresponding merchant name information.

After the application server receives the payment information acquisition request, it filters the preset face images marked with the merchant name information from the multiple preset face images, and then determines that each of the preset face images filtered out and The face similarity of the first face acquisition image.

As a result, the preset face images can be preliminarily screened based on the merchant information, reducing the amount of data processing for calculating the face similarity, improving the efficiency of determining the face similarity, and reducing the time the payer waits to obtain payment information.

In still other embodiments, the target face image may also be the same face image as the first face acquisition image. At this time, the specific method for identifying the target face image matching the first face collection image among the plurality of preset face images may include:

Among a plurality of preset face images, identifying a fourth face image that is the same as the first face collection image;

Use the fourth face image as the target face image.

When the same payee may operate multiple merchants, and the different merchants operated by the payee have independent default account information, in order to make the default face associated with the default account information of each merchant If the image is different, the payee can upload a preset face image with a larger image difference for different preset account information.

In these embodiments, the application server can determine the image similarity between each preset face image and the first face acquisition image, and then set the image similarity to 100%, that is, the image similarity with the first face acquisition image. The preset face image with the same image is determined as the fourth face image, and the fourth face image is taken as the target face image.

In these embodiments, the first face collection image may be a face collection image obtained by photographing a face image (such as a photo) of the payee placed in the merchant of the target payee.

Therefore, in the embodiment of the present invention, the payee has multiple receiving accounts In the case of information, it is possible to accurately determine the target account information of the payer who wants to conduct a payment transaction based on the image similarity between each preset face image and the first face collection image.

In some embodiments of the present invention, the specific method of S120 may include:

Analyze the first face collection image to obtain the first face feature data;

Find the target face feature data that matches the first face feature data among multiple sets of preset face feature data;

Determine the target index information associated with the target facial feature data.

In these embodiments, the facial feature data may be the coordinate position data of the facial feature points in the normalized image. Further, the preset face feature data is the coordinate position data of the face feature points in the normalized preset face image.

Specifically, it is possible to first perform normalization processing on the first face acquisition image to obtain a normalized first face acquisition image, and then recognize that each face feature point is in the normalized first face acquisition image According to the coordinate position in the image, the first facial feature data is obtained. Then, based on the comparison result of the coordinate position of each face feature point in the first face feature data with the coordinate position of the corresponding face feature point in each preset face feature data, the first face feature is obtained The target face feature data with the highest data similarity. Finally, the target index information stored in association with the target facial feature data is obtained.

In the embodiment of the present invention, the method for obtaining the preset facial feature data is similar to the method for obtaining the first facial feature data, and will not be repeated here.

In some embodiments of the present invention, the specific method of S130 may include:

In the multiple default account information, query the target account information corresponding to the target index information;

Generate payment information based on the target account information.

In these embodiments, the target index information is stored in association with the target account information. Therefore, it is possible to directly query the target account information stored in association with the target index information among multiple preset account information.

Among them, the target account information can include at least the receiving account of the target payee, the user name corresponding to the receiving account, the user address corresponding to the receiving account, and the target receiving account. Party’s contact information and other information. The application server can generate payment information based on the above information.

It should be noted that the method of generating payment information based on the target account information is an existing method, and will not be repeated here.

Specifically, the payment information may include any of the following:

Payment jump link or page call authorization;

Payment authorization information.

Payment jump link or page call authorization is used for payment devices to call HTML5 (H5) pages, application pages in applications, or control items pages.

The payment authorization information includes the collection account information and other content, which is used to retrieve the payment page in the payment application.

In the embodiment of the present invention, payment information is encrypted and transmitted between devices to improve transaction security.

In some embodiments of the present invention, before S110, the information processing method may further include:

Obtain a registration request sent by the second electronic device; where the registration request includes the second face collection image of the target payee, the payment account information, and user information;

Perform identity authentication on user information and obtain the identity authentication result;

In the case that the identity authentication result is the authentication, the second face collection image is used as the target face image, and the collection account information is used as the target account information;

Generate target index information corresponding to the target face image;

The target face image is stored in association with the target index information, and the target account information is stored in association with the target index information.

In some embodiments of the present invention, the second electronic device may be a payment receiving device used by the target payee, and the target application is installed on the payment receiving device. Among them, the collection device may specifically be a mobile phone, a tablet computer, a personal computer, etc.

Specifically, if the payee wants to register the default account information in the application server, it needs to send the payee’s default face image, the default account information, and the user to the application server through the electronic device. Information registration request, so that the application server based on the registration request Please complete the registration of the default account information.

Taking the payee as the target payee as an example, the target payee can send to the application server through the second electronic device the second face collection image carrying the target payee, the payment account information and user information For the registration request, the application server will authenticate the user information to obtain the identity authentication result, and then if the identity authentication result is passed authentication, the second face collection image is used as the target face image, that is, the pre- Set up a face image, and use the receiving account information as the target account information, that is, preset user information, then generate target index information corresponding to the target face image, and finally associate the target face image with the target index information Store, and store the target account information in association with the target index information.

Among them, the specific method for generating the target index information corresponding to the target face image may be:

Use the identity of the target payee as the target index information, or randomly generate a string as the target index information.

Among them, the identity of the target payee may be the ID card number or phone number of the target payee, and the string may include numeric characters, English characters, and symbol characters.

It should be noted that, in the embodiment of the present invention, the method of performing identity authentication on the user information to obtain the identity authentication result can adopt an existing method, which will not be repeated here.

In some embodiments, the application server may communicate with the identity authentication server of the identity authentication authority.

In these embodiments, optionally, the specific method for performing identity authentication on user information to obtain the identity authentication result may include:

Send the user information to the identity authentication server so that the identity authentication server can authenticate the user information and obtain the identity authentication result;

Receive the identity authentication result.

As a result, the identity authentication server of a third-party identity authentication agency can be used to reduce the data processing volume of the application server, so as to improve the response speed and data processing speed of the application server.

In some embodiments, the application server can interact with a dedicated face recognition Facial recognition server communication connection.

In these embodiments, optionally, the specific method for associating and storing the target face image with the target index information may include:

The target face image and target index information are sent to the face recognition server, so that the face recognition server associates the target face image with the target index information.

In these embodiments, optionally, the specific method for determining the target index information corresponding to the first face collection image may include:

Send a face recognition request to the face recognition server, so that the face recognition server responds to the face recognition request and recognizes the target person matching the first face collection image among multiple preset face images Face image, and determine target index information associated with the target face image; wherein, the face recognition request includes the first face collection image;

Receive target index information fed back from the face recognition server.

As a result, the face recognition server can be used to reduce the data processing volume of the application server to improve the response speed and data processing speed of the application server, and the face recognition server can also be used to increase the storage of preset facial images space.

In some embodiments, the specific method for generating target index information corresponding to the target face image may include:

Sending the target face image to the face recognition server, so that the face recognition server generates target index information corresponding to the target face image;

Receive target index information fed back from the face recognition server.

At this time, the specific method for associating and storing the target face image with the target index information may include:

The target face image is sent to the face recognition server, so that the face recognition server associates the target face image with the generated target index information and stores it.

Thus, the face recognition server can be used to further reduce the data processing volume of the application server.

It should be noted that the method for the face recognition server to determine the target index information corresponding to the first face collection image and the method for generating the target index information corresponding to the target face image The method is the same as the application server, so I won’t repeat it here.

In some embodiments, the application server may communicate with an information generation server dedicated to the generation of payment information.

In these embodiments, optionally, the specific method of associating and storing the target account information and the target index information may include:

Send the target account information and target index information to the information generating server, so that the information generating server associates the target account information with the target index information.

In these embodiments, optionally, the specific method for generating payment information based on the target account information corresponding to the target index information may include:

Send an account information acquisition request to the information generation server, so that the information generation server responds to the account information acquisition request, queries the target account information corresponding to the target index information among multiple preset account information, and generates payment information based on the target account information ; Among them, the account information acquisition request includes target index information;

Receive payment information feedback from the information generation server.

In this way, the information generation server can be used to reduce the data processing capacity of the application server to improve the response speed and data processing speed of the application server, and the information generation server can also be used to increase the storage space of the default account information.

It should be noted that the information generation server generates payment information based on the target account information corresponding to the target index information in the same way as the application server, and will not be repeated here.

FIG. 2 shows a schematic flowchart of an information processing method according to another embodiment of the present invention.

In some embodiments of the present invention, the method shown in FIG. 2 may be executed by the first electronic device installed with the target application as described above. As shown in Figure 2, the information processing method may include:

S210: Receive a user's first input to the target application;

S220: In response to the first input, obtain a first face collection image of the target payee;

S230: Send payment information to the application server corresponding to the target application to obtain Request, so that the application server responds to the payment information acquisition request, determines the target index information corresponding to the first face collection image, and generates payment information according to the target account information corresponding to the target index information; wherein the payment information acquisition request includes The first face to collect an image;

S240. Receive payment information sent by the application server;

S250: Display the payment interface corresponding to the payment information.

In the embodiment of the present invention, the first electronic device can send the first face collection image to the application server, so that the application server determines the target index information corresponding to the first face collection image, and corresponds to the target index information according to the target index information. Payment information is generated from the target account information of the application server, so that after receiving the payment information sent by the application server, the payment interface corresponding to the payment information is directly displayed. Since the first electronic device can directly open the corresponding payment interface only by collecting the image of the face , No need to use additional static QR codes, therefore, it can avoid the leakage of the payee’s account information, improve the security of the payee’s account, and also prevent the payee’s receiving account information from being exchanged, which enhances the payment transaction safety. In addition, the payer can directly use the first electronic device to complete the entire payment transaction without the need for the payee to use additional equipment, which reduces the cost of the payment transaction.

In S210 of some embodiments of the present invention, the user's first input to the target application may be an input for the user to trigger the face-scanning payment function in the target application. For example, the first input may be a user's single-click, double-click, or long-press operation on the control item of the scanned payment function in the target application.

In S220 of some embodiments of the present invention, after the face-scanning payment function is activated, the second electronic device may turn on the camera, and capture the first face collection image of the target payee.

Among them, the first face collection image can be an image capture of the face of the target payee or a location where the face image (such as a photo) of the payee placed in the merchant of the target payee is taken. The acquired face is captured in an image.

In the embodiment of the present invention, after sending the payment information acquisition request carrying the first face collection image to the application server corresponding to the target application, the payment information corresponding to the payment information acquisition request fed back by the application server can be accepted. And display the payment interface corresponding to the payment information, so as to complete the self-service payment process in the payment interface.

Among them, when the payment information is a payment jump link or page call authorization, the displayed payment interface can be an H5 page, an application page in an application, or a control item page. In the case that the payment information is payment authorization information, the displayed payment interface may be a payment page in the payment application.

Fig. 3 shows a system architecture diagram of an information processing system provided by an embodiment of the present invention. As shown in FIG. 3, the information processing system includes an application server 310 of a target application, an identity authentication server 320, a face recognition server 330, an information generation server 340, a first electronic device 350, and a second electronic device 360.

Among them, the first electronic device 350 and the second electronic device 360 communicate with the application server 310 respectively, and the application server 310 communicates with the identity authentication server 320, the face recognition server 330, and the information generation server 340, respectively.

The payer version of the target application (for example, a mobile wallet application) is installed on the first electronic device 350. The payee version of the target application (for example, a cloud QuickPass Merchant Pass application) is installed on the second electronic device 360. The application server 310 is configured to receive requests sent by the first electronic device 350 and the second electronic device 360, and execute information processing procedures corresponding to different requests. The identity authentication server 320 is used to perform identity authentication on user information. The face recognition server 330 is used to determine the index information corresponding to the face collection image. The information generating server 340 is used to generate payment information according to the index information.

Specifically, the payee can initiate a registration request and a cancellation request to the application server 310 through the cloud flash payment merchant pass application, so as to register the default account information on the application server 310 and log out the default account information. The payer can initiate a payment information acquisition request to the application server 310 through the mobile wallet application and complete the self-service payment.

Optionally, the information generating server 340 may also be a server of an acquiring institution.

FIG. 4 shows an example of the information processing flow of the information processing system shown in FIG. 3. As shown in Figure 4, the information processing flow includes the following steps:

S401. The payee can trigger the registration function in the cloud QuickPass Merchant Pass application on the second electronic device;

S402. In response to triggering the registration function, the second electronic device collects registration information such as face collection images of the payee, collection account information, and user information;

S403. The second electronic device initiates a registration request to the application server; where the registration request includes face collection images, payment account information, and user information;

S404. In response to the registration request, the application server sends user information to the identity authentication server;

S405. The identity authentication server performs identity authentication on the user information, and obtains an identity authentication result;

S406: The identity authentication server feeds back the identity authentication result to the application server;

S407. The application server sends the face collection image to the face recognition server in the case where the identity authentication result is determined to be passed authentication;

S408: The face recognition server generates index information corresponding to the face collection image;

S409. The face recognition server associates and stores the collected face image and the generated index information as a preset face image and preset index information associated therewith;

S410. The face recognition server feeds back the generated index information to the application server;

S411. The application server sends the received index information and payment account information to the information generating server;

S412: The information generating server associates the received index information and the collection account information and stores them as preset index information and preset account information associated therewith;

S413. The information generating server feeds back the storage result to the application server;

S414: After receiving the storage result, the application server feeds back a registration success notification to the second electronic device;

S415. The second electronic device displays a notification of successful registration to the payee.

FIG. 5 shows another example of the information processing flow of the information processing system shown in FIG. 3. As shown in Figure 5, the information processing flow includes the following steps:

S501. The payer can trigger the mobile wallet application on the first electronic device Scan the face payment function in

S502. In response to triggering the face scanning payment function, the first electronic device collects the face collection image of the payee;

S503. The first electronic device initiates a payment information acquisition request to the application server; where the payment information acquisition request includes a face collection image;

S504. In response to the payment information acquisition request, the application server sends the face collection image to the face recognition server;

S505: The face recognition server queries the index information corresponding to the received face collection image;

S506: The face recognition server feeds back the queried index information to the application server;

S507. The application server sends the received index information to the information generation server;

S508. The information generating server queries the receiving account information corresponding to the received index information, and generates payment information based on the inquired receiving account information;

S509. The information generating server feeds back the generated payment information to the application server;

S510. The application server forwards the payment information to the first electronic device;

S511. The first electronic device displays the payment interface corresponding to the payment information to the payer;

S512. The payer completes the self-service payment in the payment interface of the first electronic device;

S513. The first electronic device sends a payment completion notification to the application server, so that the application server forwards the payment completion notification to the second electronic device, so that the second electronic device displays the payment result to the payee.

In summary, the mobile payment process completed by the information processing method of the embodiment of the present invention not only fully borrows the simple and convenient features of the static QR code scanning payment method, but also combines the face payment technology to make the payment The payer does not need to use additional equipment to collect the payment The party only needs to swipe his face or show his photo to quickly complete the receipt, making the payment transaction faster, and because the face recognition technology is used to obtain payment information, the risk of static QR code being exchanged can be eliminated, and the receipt can be improved. The security of the payer’s account and payment transaction also eliminates the need for in vivo sensing of the payment method by swiping the face, which further reduces the cost of payment transactions.

FIG. 6 shows a schematic structural diagram of an information processing device provided by an embodiment of the present invention.

In some embodiments of the present invention, the device shown in FIG. 6 may be set in an application server of a target application, where the target application may be an application with a payment transaction function, and the application server may be a high-performance electronic calculator , Used to store and process data. As shown in FIG. 6, the information processing device may include:

The first request receiving module 610 is configured to receive a payment information acquisition request sent by the first electronic device; wherein the payment information acquisition request includes the first face collection image of the target payee;

The index information determining module 620 is used to determine the target index information corresponding to the first face collection image in response to the payment information acquisition request;

The payment information generating module 630 is used to generate payment information according to the target account information corresponding to the target index information;

The payment information sending module 640 is used to send the payment information to the first electronic device so that the first electronic device displays the payment interface corresponding to the payment information.

In the embodiment of the present invention, the information processing device can use the first face collection image of the target payee sent by the first electronic device to determine the target index information, and generate payment information based on the target account information corresponding to the target index information. In order to enable the first electronic device to obtain the payment information of the target payee and directly display the payment interface corresponding to the payment information, the first electronic device can directly open the corresponding payment interface by only collecting images of the face without using additional The static QR code, therefore, can avoid the leakage of the payee’s account information, improve the security of the payee’s account, and also prevent the payee’s account information from being exchanged, thereby enhancing the security of the payment transaction. In addition, the payer can directly use the first electronic device to complete the entire payment transaction without the need for the payee to use additional equipment, which reduces the cost of the payment transaction.

In some embodiments of the present invention, the index information determining module 620 may be specifically used to:

Among the multiple preset face images, identify the target face image that matches the first face collection image;

Determine the target index information associated with the target face image.

In some embodiments of the present invention, the index information determining module 620 may be further used for:

Determine the face similarity between each preset face image and the first face collection image;

According to the similarity of the face, the target face image is determined.

In some embodiments, the payment information acquisition request may also include device location information of the first electronic device. Furthermore, the index information determining module 620 can be further used for:

Determine the destination area to which the device location information belongs;

Among multiple preset face images, filter preset face images marked with a destination area;

Determine the face similarity between each selected preset face image and the first face collection image.

In other embodiments, the index information determining module 620 can be further used for:

When there is a first face image with the greatest face similarity, the first face image is used as the target face image.

In still other embodiments, the payment information acquisition request may also include device location information of the first electronic device. Furthermore, the index information determining module 620 can be further used for:

In the case that there are multiple second face images with the greatest face similarity, acquiring the preset position information marked by each second face image;

The second face image with the same preset location information as the device location information, As the target face image.

In still other embodiments, the index information determining module 620 can be further used for:

In the case that there are multiple third face images with the greatest face similarity, acquiring the preset text information marked by each third face image;

A third face image whose preset text information is the same as the image text information in the first face collection image is used as the target face image.

In other embodiments of the present invention, the index information determining module 620 may be further used for:

Among a plurality of preset face images, identifying a fourth face image that is the same as the first face collection image;

Use the fourth face image as the target face image.

In some embodiments of the present invention, the payment information generating module 630 can be specifically used for:

In the multiple default account information, query the target account information corresponding to the target index information;

Generate payment information based on the target account information.

In some embodiments of the present invention, the information processing device may further include:

The second request receiving module is configured to obtain the registration request sent by the second electronic device before receiving the payment information acquisition request sent by the first electronic device; wherein the registration request includes the second face collection image of the target payee, Receiving account information and user information;

The identity authentication processing module is used to perform identity authentication on user information and obtain the identity authentication result;

The first information processing module is configured to use the second face collection image as the target face image, and use the collection account information as the target account information when the identity authentication result is passed authentication;

The second information processing module is used to generate target index information corresponding to the target face image;

The information association storage module is used for associative storage of the target face image and the target index information, and associative storage of the target account information and the target index information.

In some embodiments of the present invention, the identity authentication processing module can be specifically used for:

Send the user information to the identity authentication server so that the identity authentication server can authenticate the user information and obtain the identity authentication result;

Receive the identity authentication result.

In some embodiments of the present invention, the information association storage module can be specifically used for:

The target face image and target index information are sent to the face recognition server, so that the face recognition server associates the target face image with the target index information.

In these embodiments, the index information determining module 620 can also be specifically used to:

Send a face recognition request to the face recognition server, so that the face recognition server responds to the face recognition request and recognizes the target person matching the first face collection image among multiple preset face images Face image, and determine target index information associated with the target face image; wherein, the face recognition request includes the first face collection image;

Receive target index information fed back from the face recognition server.

In some other embodiments of the present invention, the information association storage module can also be specifically used for:

Send the target account information and target index information to the information generating server, so that the information generating server associates the target account information with the target index information.

In these embodiments, the payment information generation module 630 can also be specifically used for:

Send an account information acquisition request to the information generation server, so that the information generation server responds to the account information acquisition request, queries the target account information corresponding to the target index information among multiple preset account information, and generates payment information based on the target account information ; Among them, the account information acquisition request includes target index information;

Receive payment information feedback from the information generation server.

It should be noted that the information processing device shown in FIG. 6 can implement the various processes and effects implemented by the application server in the method embodiment of FIG.

FIG. 7 shows a schematic structural diagram of an information processing device provided by another embodiment of the present invention.

In some embodiments of the present invention, the apparatus shown in FIG. 7 may be installed in the first electronic device where the target application is installed as described above. As shown in FIG. 7, the information processing device may include:

The first input receiving module 710 is configured to receive the user's first input to the target application;

The first image acquisition module 720 is configured to acquire the first face collection image of the target payee in response to the first input;

The first request sending module 730 is configured to send a payment information acquisition request to the application server corresponding to the target application, so that the application server responds to the payment information acquisition request and determines the target index information corresponding to the first face acquisition image. And according to the target account information corresponding to the target index information, the payment information is generated; wherein, the payment information acquisition request includes the first face collection image;

The payment information receiving module 740 is used to receive payment information sent by the application server;

The payment interface display module 750 is used to display the payment interface corresponding to the payment information.

In the embodiment of the present invention, the information processing device can send the first face collection image to the application server, so that the application server can determine the target index information corresponding to the first face collection image, and according to the corresponding target index information The target account information generates payment information, so that after receiving the payment information sent by the application server, the payment interface corresponding to the payment information is directly displayed. Since the information processing device can directly open the corresponding payment interface only by collecting images from the face, there is no need Use an additional static QR code, so you can avoid the leakage of the payee’s account information It can improve the security of the payee’s account, and it can also prevent the payee’s account information from being exchanged and enhance the security of payment transactions. In addition, the payer can directly use the information processing device to complete the entire payment transaction, eliminating the need for the payee to use additional equipment, reducing the cost of the payment transaction.

It should be noted that the information processing device shown in FIG. 7 can realize the various processes and effects implemented by the application server in the method embodiment of FIG.

The information processing method and device of the embodiment of the present invention can be implemented by information processing equipment. FIG. 8 shows a schematic diagram of the hardware structure of an information processing device 800 according to an embodiment of the invention.

As shown in FIG. 8, the information processing device 800 includes an input device 801, an input interface 802, a central processing unit 803, a memory 804, an output interface 805, and an output device 806. Among them, the input interface 802, the central processing unit 803, the memory 804, and the output interface 805 are connected to each other through the bus 810, and the input device 801 and the output device 806 are connected to the bus 810 through the input interface 802 and the output interface 805, respectively, and then connected to the bus 810. The other components of the information processing device 800 are connected.

Specifically, the input device 801 receives input information from the outside, and transmits the input information to the central processing unit 803 through the input interface 802; the central processing unit 803 processes the input information based on the computer executable instructions stored in the memory 804 to generate Output information, temporarily or permanently store the output information in the memory 804, and then transmit the output information to the output device 806 through the output interface 805; the output device 806 outputs the output information to the outside of the information processing device 800 for use by the user.

That is to say, the information processing device shown in FIG. 8 can also be implemented as including: a memory storing computer-executable instructions; and a processor, which can implement the description of the embodiments of the present invention when executing the computer-executable instructions的信息处理方法和装置。 Information processing method and device.

An embodiment of the present invention also provides a computer-readable storage medium on which computer program instructions are stored; when the computer program instructions are executed by a processor, the information processing method provided in the embodiments of the present invention is implemented.

The functional blocks shown in the above structural block diagram can be implemented as hardware, software, Firmware or a combination of them. When implemented in hardware, it can be, for example, an electronic circuit, an application specific integrated circuit (ASIC), appropriate firmware, a plug-in program, a function card, and so on. When implemented in software, the elements of the present invention are programs or code fragments used to perform required tasks. The program or program code fragments can be stored in a machine-readable medium, or transmitted over a transmission medium or communication link through a data signal carried in a carrier wave. "Machine-readable medium" may include any medium that can store or transmit information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, read-only memory (Read Only Memory, ROM), flash memory, erasable ROM (Erasable Read Only Memory, EROM), floppy disks, CD-ROM only Reading memory (Compact Disc Read-Only Memory, CD-ROM), optical discs, hard disks, optical media, radio frequency (RF) links, etc. The code snippets can be downloaded via computer networks such as the Internet, Intranet, etc.

It should also be noted that the exemplary embodiments mentioned in the present invention describe some methods or systems based on a series of steps or devices. However, the present invention is not limited to the order of the above steps, that is, the steps may be executed in the order mentioned in the embodiment, or may be different from the order in the embodiment, or several steps may be executed at the same time.

The above are only specific implementations of the present invention. Those skilled in the art can clearly understand that for the convenience and brevity of the description, the specific working process of the above-described system, module and unit can be referred to in the foregoing method embodiments. The corresponding process will not be repeated here. It should be understood that the protection scope of the present invention is not limited to this, and any person skilled in the art can easily think of various equivalent modifications or substitutions within the technical scope disclosed in the present invention, and these modifications or substitutions should be covered by Within the protection scope of the present invention.

S110~S140: steps

Claims (20)

An information processing method including: Receiving a payment information acquisition request sent by the first electronic device; wherein the payment information acquisition request includes the first face collection image of the target payee; In response to the payment information acquisition request, determining the target index information corresponding to the first face collection image; Generate payment information according to the target account information corresponding to the target index information; The payment information is sent to the first electronic device, so that the first electronic device displays the payment interface corresponding to the payment information. The method according to claim 1, wherein the determining the target index information corresponding to the first face collection image includes: Among a plurality of preset face images, identifying a target face image matching the first face collection image; Determine the target index information associated with the target face image. The method according to claim 2, wherein, in the plurality of preset face images, identifying a target face image that matches the first face collection image includes: Determining the face similarity between each of the preset face images and the first face collection image; According to the human face similarity, the target human face image is determined. The method according to claim 3, wherein the payment information acquisition request further includes device location information of the first electronic device, and the determining that each of the preset human face images is related to the first human face The face similarity of the collected image, including: Determine the destination area to which the device location information belongs; Among the plurality of preset face images, filter preset face images marked with the destination area; Determine the face similarity between each selected preset face image and the first face collection image. The method according to claim 3, wherein the determining according to the face similarity The target face image includes: In the case that there is a first face image with the greatest face similarity, the first face image is used as the target face image. The method according to claim 3, wherein the payment information acquisition request further includes device location information of the first electronic device, and the determining the target face image according to the face similarity includes : In the case that there are multiple second face images with the greatest face similarity, acquiring the preset position information marked by each of the second face images; A second face image whose preset location information is the same as the device location information is used as the target face image. The method according to claim 3, wherein the determining the target face image according to the face similarity includes: In the case that there are multiple third face images with the greatest face similarity, acquiring the preset text information marked by each of the third face images; A third face image whose preset text information is the same as the image text information in the first face collection image is used as the target face image. The method according to claim 2, wherein, in the plurality of preset face images, identifying a target face image that matches the first face collection image includes: Among the plurality of preset face images, identifying a fourth face image that is the same as the first face collection image; Use the fourth face image as the target face image. The method according to claim 2, wherein the generating payment information according to the target account information corresponding to the target index information includes: Query the target account information corresponding to the target index information among multiple preset account information; According to the target account information, the payment information is generated. The method according to claim 9, wherein the receiving the support sent by the first electronic device Before paying the information acquisition request, it also includes: Acquiring a registration request sent by a second electronic device; wherein the registration request includes a second face collection image of the target payee, payment account information, and user information; Perform identity authentication on the user information to obtain an identity authentication result; In a case where the identity authentication result is that the authentication is passed, the second face collection image is used as the target face image, and the collection account information is used as the target account information; Generating target index information corresponding to the target face image; The target face image is stored in association with the target index information, and the target account information is stored in association with the target index information. The method according to claim 10, wherein said performing identity authentication on said user information to obtain an identity authentication result includes: Sending the user information to an identity authentication server, so that the identity authentication server performs identity authentication on the user information to obtain an identity authentication result; Receiving the identity authentication result. The method according to claim 10, wherein the associative storage of the target face image and the target index information includes: The target face image and the target index information are sent to a face recognition server, so that the face recognition server stores the target face image and the target index information in association. The method according to claim 12, wherein the determining the target index information corresponding to the first face collection image includes: Send a face recognition request to the face recognition server, so that the face recognition server responds to the face recognition request and recognizes the first face in a plurality of preset face images. Acquire the target face image that matches the image, and determine the target index information associated with the target face image; wherein the face recognition request includes the first face acquisition image picture; Receiving the target index information fed back by the face recognition server. The method according to claim 10, wherein the target account information is combined with all The associated storage of the target index information includes: The target account information and the target index information are sent to an information generating server, so that the information generating server associates and stores the target account information and the target index information. The method according to claim 14, wherein the generating payment information according to the target account information corresponding to the target index information includes: Send an account information acquisition request to the information generation server, so that the information generation server responds to the account information acquisition request, and queries the target account corresponding to the target index information in a plurality of preset account information Information, and generate the payment information according to the target account information; wherein the account information acquisition request includes the target index information; Receiving the payment information fed back by the information generating server. An information processing method including: Receiving the user's first input to the target application; In response to the first input, acquiring a first face collection image of the target payee; Send a payment information acquisition request to the application server corresponding to the target application, so that the application server responds to the payment information acquisition request to determine the target index information corresponding to the first face collection image, and according to The target account information corresponding to the target index information generates payment information; wherein the payment information acquisition request includes the first face collection image; Receiving the payment information sent by the application server; The payment interface corresponding to the payment information is displayed. An information processing device includes: The first request receiving module is configured to receive the payment information acquisition request sent by the first electronic device; wherein the payment information acquisition request includes the first face collection image of the target payee; An index information determination module for determining the target index information corresponding to the first face collection image in response to the payment information acquisition request; The payment information generating module is used to generate payment information according to the target account information corresponding to the target index information; The payment information sending module is used to send the payment information to the first electronic device, So that the first electronic device displays the payment interface corresponding to the payment information. An information processing device includes: The first input receiving module is used to receive the user's first input to the target application; The first image acquisition module is configured to acquire the first face acquisition image of the target payee in response to the first input; The first request sending module is configured to send a payment information acquisition request to the application server corresponding to the target application, so that the application server responds to the payment information acquisition request and determines the first face acquisition image Image corresponding target index information, and generating payment information according to the target account information corresponding to the target index information; wherein, the payment information acquisition request includes the first face collection image; Payment information receiving module for receiving the payment information sent by the application server; The payment interface display module is used to display the payment interface corresponding to the payment information. An information processing equipment, wherein the equipment includes: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the information processing method according to any one of claim items 1-15 or claim item 16 is realized. A computer-readable storage medium is characterized in that computer program instructions are stored on the computer-readable storage medium. The information processing method described.

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