TWI773119B - Information processing method, apparatus, equipment and medium - Google Patents

Abstract

The invention discloses an information processing method, device, equipment and medium. An information processing method includes: receiving a payment information acquisition request sent by a first electronic device; wherein the payment information acquisition request includes a first face-captured image of a target payee; and in response to the payment information acquisition request, determining the first collecting target index information corresponding to the face image; generating payment information according to target account information corresponding to the target index information; sending the payment information to the first electronic device, so that the first electronic device displays a payment interface corresponding to the payment information. According to the embodiment of the present invention, the security of the account of the payee and the security of the payment transaction can be improved, and the cost of the payment transaction can be reduced.

Description

Information processing method, apparatus, 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 scanning payment, dynamic QR code scanning payment, QuickPass payment and face payment payment. Although these payment methods can quickly realize the payment transaction between the payer and the payee, there are also the following disadvantages:

For the static QR code scanning payment method, once the static QR code of the payee is generated, it will not change, 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 also has the risk of being exchanged by others, which reduces the security of the payee's account and the security of the payment transaction;

For payment methods such as dynamic QR code scanning payment, QuickPass payment, and face-scanning payment, the payee needs to use an additional device for payment transactions, such as a display device used to display the payee's dynamic QR code , A collection device with QuickPass payment function or a collection device with face acquisition and living body sensing functions, which increases the cost of payment transactions.

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

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

Receive a payment information acquisition request sent by the first electronic device; wherein the payment information acquisition request includes a first face-captured 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 a payment interface corresponding to the payment information.

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

receiving the first input from the user to the target application;

In response to the first input, acquiring 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 capture image, and determines the target account information corresponding to the target index information according to the target index information. , generating payment information; wherein, 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:

a first request receiving module, configured to receive a payment information acquisition request sent by the first electronic device; wherein the payment information acquisition request includes a first face acquisition 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 according to the target account information corresponding to the target index information;

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

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

a first input receiving module for receiving the first input of the user to the target application;

a first image acquisition module, 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 and determines the target index information corresponding to the first face acquisition image, and Generate payment information according to target account information corresponding to the target index information; wherein, the payment information acquisition request includes a first face collection image;

The payment information receiving module is used to receive 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.

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

The information processing method according to the first aspect or the second aspect is implemented when the processor executes the computer program instructions.

In a sixth aspect, an embodiment of the present invention provides a computer-readable storage medium, where computer program instructions are stored on the computer-readable storage medium, and when the computer program instructions are executed by a processor, the first aspect or the second aspect is implemented. Information processing method.

The information processing method, device, device, and medium of the embodiments of the present invention can use the first face capture image of the target payee sent by the first electronic device to determine the target index information, and determine the target index information according to the target account corresponding to the target index information. The information generates payment information, so that the first electronic device obtains the payment information of the target payee, and directly displays the payment interface corresponding to the payment information, because the first electronic device can directly open the corresponding payment interface only by collecting the image of the face , there is no need to use an additional static QR code, 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 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, thereby reducing the cost of the payment transaction.

310: Application Server

320: Authentication Server

330: Face Recognition Server

340: Information generation server

350: 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: First image acquisition module

730: The first request to send the module

740: Payment information receiving module

750: Payment interface display module

800: Information processing equipment

801: input device

802: Input interface

803: CPU

804: memory

805: Output interface

806: Output device

810: Busbar

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

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

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 provided by 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 an 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;

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

7 is a schematic structural diagram of an information processing apparatus according to another embodiment of the present invention;

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

The features and exemplary embodiments of various aspects of the present invention will be described in detail below. In order to make the objectives, technical solutions and advantages of the present invention more clear, the present invention will be further described in detail below 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, and are not configured to limit the present invention. It will be apparent to those skilled in the art that the present invention may be practiced without some of these specific details. The following description of the embodiments is only intended to provide a better understanding of the present invention by illustrating examples of the invention.

It should be noted that, in this document, 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 any relationship between these entities or operations. any such actual relationship or sequence exists. Moreover, the terms "comprising", "comprising" or any other variation thereof are intended to encompass a non-exclusive inclusion such that a process, method, article or device that includes a list of elements includes not only those elements, but also includes not explicitly listed or other elements inherent to such a process, method, article or apparatus. Without further restrictions, by the statement "package Elements defined by "..." do not preclude the presence of additional identical elements in a process, method, article or device that includes said element.

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

The payment method of static QR code scanning is: the payer scans the static QR code with the payment device to obtain the payment interface for paying to the payee, and completes the payment transaction in the payment interface. Due to the simple and convenient generation of static QR codes, the static QR code scanning payment method occupies a wide market share in the field of mobile payment, especially in the small and micro market.

The payment method by scanning the dynamic QR code is: the payee uses the display device to display the dynamic QR code, and the payer scans the dynamic QR code with the payment device to obtain the payment interface for paying the payee, and displays the dynamic QR code on the payment interface. complete the payment transaction. Since the dynamic QR code can dynamically transform the coded information of the QR code, the information of the QR code after the timeout is automatically invalidated, which makes the transaction process more secure.

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

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

In order to solve the above problems in the prior art, embodiments of the present invention provide an information processing method, apparatus, device, and medium. The following first provides a description of the embodiments of the present invention The information processing method is introduced.

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, wherein the target application may be an application with a payment transaction function, and the application server may be a high-performance electronic calculator, For storage and processing of 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; wherein the payment information acquisition request includes a first face acquisition image of the target payee;

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

S130. Generate payment information according to 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 a payment interface corresponding to the payment information.

In the embodiment of the present invention, the target index information can be determined by using the first face collection image of the target payee sent by the first electronic device, 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 only by collecting images of the face, there is no need to use additional static two-dimensional Therefore, the leakage of the account information of the payee can be avoided, the security of the account of the payee can be improved, and the information of the payee account 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, thereby reducing 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. The payment device may specifically be a mobile phone, a tablet computer, a smart watch, or the like.

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

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

Identifying a target face image matching the first collected face image from among the plurality of preset face images;

Determine target index information associated with the target face image.

In the embodiment of the present invention, each preset face image is the corresponding index information of the default account information uploaded by the payee to the application server when the corresponding payee registers the default account information Indirectly associate the stored face image.

Specifically, the application server may, based on the face recognition technology, identify a target face image matching the first collected face image among a plurality of preset face images, and then obtain a target face image associated with the target face image. Stored target index information. Therefore, the target index information corresponding to the first collected face image can be accurately acquired based on the face recognition technology, the reliability of the generated payment information can be improved, and the security of the payment transaction can be improved.

In some embodiments, the target face image may be a face image similar to the first captured face image. At this time, a specific method for identifying a 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 collected face image;

Determine the target face image according to the face similarity.

The application server may determine, based on the face recognition technology, the face similarity between each preset face image and the first collected face image. It should be noted that the face recognition technology can be any existing face recognition technology, as long as the similarity between the preset face image and the first collected face image can be determined, which is not done here. limit.

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

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, the face similarity between each preset face image and the first collected face image is determined, and after the obtained face similarity is sorted, the obtained face similarity with the first collected face image is determined. When the number of preset face images with the largest face similarity is one, the preset face image can be represented as the first face image, that is, only one preset face image exists in the multiple preset face images. A first face image with the largest 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 may be an image of the face of the target payee or an image of the payee's face (such as a photo) placed in the merchant of the target payee ) to capture the acquired face image.

second case

In this case, the payment information acquisition request may further 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 presence of a plurality of second face images with the greatest face similarity, acquiring preset position information marked by each second face image;

Use the second face image with the same preset position information as the device position information as the target face image.

Specifically, the face similarity between each preset face image and the first collected face image is determined, and after the obtained face similarity is sorted, the obtained face similarity with the first collected face image is determined. When the number of preset face images with the largest face similarity is multiple, the preset face image can be represented as the second face image, that is, the preset face images exist in the multiple preset face images. A plurality of second face images with the largest face similarity, each second face image and the first face collected image The face similarity is the same.

For example, when the same payee may operate multiple merchants, and different merchants operated by the payee have independent default account information, the default face image associated with the default account information of each merchant The images may be the same. In this case, there may be a plurality of second face images with the greatest similarity to the faces of the first collected face images in the plurality of preset face images.

In order to still accurately identify the account information that the payer wants to pay in this case, when storing preset face images, preset location information can be marked for each preset face image. The default location information can be information that can distinguish different businesses. Specifically, the location accuracy of the preset location information can be determined according to the minimum location difference between different merchants. For example, if the minimum location difference between different merchants is different prefecture-level cities, the preset location information can be accurate to For example, if the minimum location difference between different businesses is different streets, the preset location information can be accurate to the 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 preset location information and the device location information of the second person who are the same can be obtained. face image, as the target face image.

The device location information of the first electronic device can be acquired by a 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 may be an image of the face of the target payee or an image of the payee's face (such as a photo) placed in the merchant of the target payee ) to capture the acquired face image.

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

third case

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

In the presence of multiple third face images with the greatest face similarity, acquiring 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 captured image is used as the target face image.

Specifically, the face similarity between each preset face image and the first collected face image is determined, and after the obtained face similarity is sorted, the obtained face similarity with the first collected face image is determined. When the number of preset face images with the largest face similarity is multiple, the preset face image can be represented as a third face image, that is, there are multiple preset face images. A plurality of third face images with the largest face similarity, each third face image has the same face similarity with the first face collected image.

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

In order to still accurately identify the account information that the payer wants to pay in this situation, when the payee uploads the preset face image associated with each preset account information, it can upload the preset face image at the same time Default text information corresponding to the image. When storing the preset face images, each preset face image can be marked with corresponding preset text information, and the marked preset text information can be information that can distinguish different businesses. Specifically, the preset text information may be information such as a digital serial number, a business name and the like corresponding to each merchant.

Therefore, in this case, the preset text information marked by each third face image and the image text information in the captured image of the first face can be recognized based on the image text recognition technology, and the preset text information can be obtained. A third face image with the same text information as the image text information in the first face captured image is set as the target face image.

In this case, the first face-captured image may be a face-captured image obtained by photographing the payee's face image (for example, a photo) placed in the target payee's merchant, wherein , 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 collection account information, it can be accurately determined that the payer wants to pay based on the image text information in the first face captured image The target account information for the transaction.

In other embodiments, the payment information acquisition request may further 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 collected face image may include:

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

Among the plurality of preset face images, the preset face images marked with the destination area are filtered;

Determine the face similarity between each of the filtered preset face images and the first collected face image.

Specifically, when the preset face images are stored, each preset face image can be marked with the geographic region to which the corresponding merchant belongs. Specifically, the regional level of the geographic region can 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 as the destination area. Preset face images, and then determine the face similarity between each of the filtered preset face images and the first collected face image.

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

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

Specifically, before using the payment device to send the payment information acquisition request, the payer may input the merchant name information in the payment device, 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 collected face image may include:

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

Determine the face similarity between each of the filtered preset face images and the first collected face image.

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

After the application server receives the payment information acquisition request, it filters the preset face images marked with the merchant name information among the plurality of preset face images, and then determines that each of the filtered preset face images is the same as that of each preset face image. The face similarity of the first face collection image.

As a result, the preset face images can be preliminarily screened based on the merchant information, the data processing amount for calculating the similarity of the face is reduced, the efficiency of determining the similarity of the face is improved, and the time for the payer to wait for obtaining payment information is reduced.

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

identifying a fourth face image that is the same as the first collected face image from among the plurality of preset face images;

Use the fourth face image as the target face image.

When the same payee may operate multiple merchants, and 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 images are different, the payee can upload preset face images with large image differences for different preset account information.

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

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

Therefore, in this embodiment of the present invention, the payee has multiple payee accounts In the case of information, the target account information that the payer wants to perform the payment transaction can be accurately determined based on the image similarity between each preset face image and the first collected face image.

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

Analyzing the collected image of the first face to obtain the characteristic data of the first face;

Find the target face feature data matching the first face feature data in the multiple sets of preset face feature data;

Determine target index information associated with target facial feature data.

In these embodiments, the face feature data may be the coordinate position data of the face 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, the first face collection image may be normalized to obtain a normalized first face collection image, and then each face feature point can be identified in the normalized first face collection image The coordinate position in the image is obtained to obtain the first face feature data. Then, based on the comparison result of the coordinate position of each face feature point in the first face feature data and the coordinate position of the corresponding face feature point in each preset face feature data, obtain the first face feature The target face feature data with the highest data similarity. Finally, obtain the target index information stored in association with the target face feature data.

In the embodiment of the present invention, the method for obtaining the preset face feature data is similar to the method for obtaining the first face feature data, and details are not described herein.

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

Query the target account information corresponding to the target index information from among the plurality of default account information;

Generate payment information based on target account information.

In these embodiments, the target index information is stored in association with the target account information. Therefore, the target account information stored in association with the target index information can be directly queried in a plurality of preset account information.

The target account information may include at least the collection account of the target payee, the user name corresponding to the collection account, the user address corresponding to the collection account, and the target collection account. Party's contact information, etc. The application server may generate payment information based on the above information.

It should be noted that, the method for generating payment information according to the target account information is an existing method, and details are not described 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 device to call HTML5 (H5) page, application page or control item page in the application.

The payment authorization information includes the payment account information, etc., and is used to call the payment page in the payment application.

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

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

Acquiring a registration request sent by the second electronic device; wherein the registration request includes the second face-captured image of the target payee, payment account information and user information;

Perform identity authentication on user information to obtain identity authentication results;

In the case that the identity authentication result is passed authentication, the second face captured image is used as the target face image, and the payment 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 device used by the target payment party, and the target application is installed on the payment device. The collection device may specifically be a mobile phone, a tablet computer, a personal computer, or the like.

Specifically, if the payee wants to register the default account information in the application server, it needs to send the default face image carrying the payee, the default account information and the user to the application server through the electronic device. information on the registration request to enable the application server to base the registration request on Please complete the registration of default account information.

Taking the payee as the target payee as an example, the target payee can send the second face capture image carrying the target payee, the payee account information and the user information to the application server through the second electronic device. The application server will perform identity authentication on the user information to obtain the identity authentication result, and then in the case that the identity authentication result is passed authentication, the collected image of the second face will be used as the target face image, that is, the pre- Set a face image, and use the receiving account information as the target account information, that is, the default user information, and then generate the target index information corresponding to the target face image, and finally, associate the target face image with the target index information and store the target account information in association with the target index information.

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 use a randomly generated string as the target index information.

Wherein, the identity identification of the target payee may be the ID number or telephone number of the target payee, and the character string may include digital characters, English characters, symbol characters, and the like.

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

In some embodiments, the application server may be in communication with the identity authentication server of the identity authentication authority.

In these embodiments, optionally, a specific method for performing identity authentication on user information to obtain an 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 authentication result.

Therefore, the identity authentication server of the third-party identity authentication agency can be used to reduce the data processing amount 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 may communicate with Face recognition server communication connection.

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

Send the target face image and the target index information to the face recognition server, so that the face recognition server stores the target face image and the target index information in association.

In these embodiments, optionally, the specific method for determining the target index information corresponding to the first face captured 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 identifies a target person matching the first face capture image in a plurality of 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 acquisition image;

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

Therefore, the data processing amount of the application server can be reduced by using the face recognition server, so as to improve the response speed and data processing speed of the application server, and the storage of the preset face image can also be increased by using the face recognition server. 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 by the face recognition server.

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

Sending the target face image to the face recognition server, so that the face recognition server stores the target face image in association with the generated target index information.

Therefore, the data processing amount of the application server can be further reduced by using the face recognition server.

It should be noted that the method for the face recognition server to determine the target index information corresponding to the first collected face image and the method for generating the target index information corresponding to the target face image. The method is the same as that of the application server, and will not be repeated here.

In some embodiments, the application server may be in communication with an information generation server dedicated to payment information generation.

In these embodiments, optionally, a specific method for storing the target account information in association with the target index information may include:

The target account information and the target index information are sent to the information generation server, so that the information generation server stores the target account information and the target index information in association.

In these embodiments, optionally, a specific method for generating payment information according to target account information corresponding to 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, inquires the target account information corresponding to the target index information in the plurality of default account information, and generates payment information according to the target account information ; Wherein, the account information acquisition request includes target index information;

Receive payment information from the information generation server.

Therefore, the information generation server can be used to reduce the data processing amount of the application server, so as to improve the response speed and data processing speed of the application server, and the storage space of the default account information can also be increased by using the information generation server.

It should be noted that the method of generating payment information by the information generating server according to the target account information corresponding to the target index information is the same as that of the application server, which will not be repeated here.

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

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

S210, receiving a first input from the user to the target application;

S220, in response to the first input, obtain the first face collection image of the target payee;

S230. Send the payment information to the application server corresponding to the target application to obtain the payment information request, so that the application server responds to the payment information acquisition request, determines the target index information corresponding to the first face capture 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 capture image;

S240. Receive payment information sent by the application server;

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

In the embodiment of the present invention, the first electronic device can send the first face capture image to the application server, so that the application server determines target index information corresponding to the first face capture image, and corresponds to the target index information according to the target index information. The 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 , there is no need to use an additional static QR code, 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 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, thereby reducing 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 the user's input to trigger the face-scanning payment function in the target application. For example, the first input may be the user's single-click, double-click, or long-press operation on the scan payment function control item 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 an image of the first face of the target payee.

Wherein, the first face collection image may be obtained by photographing the face of the target payee or photographing the face image (for example, a photo) of the payee placed in the merchant of the target payee. Acquired face acquisition images.

In the embodiment of the present invention, after sending the payment information acquisition request carrying the first face acquisition 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 a payment interface corresponding to the payment information is displayed, so that the self-service payment process can be completed in the payment interface.

Wherein, when the payment information is a payment jump link or page call authorization, the displayed payment interface may be an H5 page, an application page in an application program, or a control item page. When 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 .

The first electronic device 350 and the second electronic device 360 are respectively connected in communication with the application server 310 , and the application server 310 is respectively connected in communication with the identity authentication server 320 , the face recognition server 330 and the information generation server 340 .

A payer version of the target application (eg, a mobile wallet application) is installed on the first electronic device 350 . The payee version of the target application (for example, the UnionPay merchant app) 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 processes corresponding to different requests. The identity authentication server 320 is used to authenticate user information. The face recognition server 330 is used to determine the index information corresponding to the collected face images. The information generation server 340 is used for generating payment information according to the index information.

Specifically, the payee can initiate a registration request and a deregistration request to the application server 310 through the UnionPay Merchant Communication 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 generation server 340 may also be a server of an acquirer.

FIG. 4 shows an example of an 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 UnionPay Merchant Link application on the second electronic device;

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

S403, the second electronic device initiates a registration request to the application server; wherein, the registration request includes a face collection image, payment account information and user information;

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

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 collected face image to the face recognition server when it is determined that the identity authentication result is passed authentication;

S408, the face recognition server generates index information corresponding to the collected face image;

S409, the face recognition server associates and stores the collected face image with the generated index information as a preset face image and preset index information associated with it;

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 generation server;

S412, the information generation server associates and stores the received index information with the payment account information as default index information and default account information associated with it;

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

S414, after receiving the storage result, the application server feeds back a notification of successful registration to the second electronic device;

S415, the second electronic device displays a registration success notification 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 The scan face payment function in ;

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

S503, the first electronic device initiates a payment information acquisition request to the application server; wherein the payment information acquisition request includes a face collection image;

S504. In response to the payment information acquisition request, the application server sends a 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 generation server queries the collection account information corresponding to the received index information, and generates payment information based on the queried collection account information;

S509, the information generation 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 a 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.

To sum up, the mobile payment process completed by the information processing method of the embodiment of the present invention not only fully draws on the simple and convenient features of the static two-dimensional code scanning payment method, but also combines the face payment technology, so that the The payer does not need to use additional equipment to collect the payment You only need to swipe your face or show your own photo to quickly complete the receipt, making payment transactions faster, and because the use of face recognition technology to obtain payment information can eliminate the risk of static QR codes being replaced by packages, which increases revenue. The security of the account of the payer and the security of the payment transaction, and there is no need to perform live detection of the face-swiping payment method, which further reduces the cost of the payment transaction.

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

In some embodiments of the present invention, the apparatus 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 , for storing and processing data. As shown in FIG. 6, the information processing apparatus 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 a first face collection image of the target payee;

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

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

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

In the embodiment of the present invention, the information processing apparatus can determine the target index information by using the first face collection image of the target payee sent by the first electronic device, and generate payment information according to 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, since the first electronic device can directly open the corresponding payment interface only by collecting the image of the face, there is no need to use an additional payment interface. 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 payee 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, thereby reducing the cost of the payment transaction.

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

Identifying a target face image matching the first collected face image from among the plurality of preset face images;

Determine target index information associated with the target face image.

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

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

Determine the target face image according to the face similarity.

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

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

Among the plurality of preset face images, the preset face images marked with the destination area are filtered;

Determine the face similarity between each of the filtered preset face images and the first collected face image.

In other embodiments, the index information determination module 620 may further be 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 further include device location information of the first electronic device. Further, the index information determination module 620 can be further used for:

In the presence of a plurality of second face images with the greatest face similarity, acquiring preset position information marked by each second face image;

A second face image with the same preset location information and device location information, as the target face image.

In still other embodiments, the index information determination module 620 may further be used for:

In the case where there are multiple third face images with the largest face similarity, obtain 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 captured image is used as the target face image.

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

identifying a fourth face image that is the same as the first collected face image from among the plurality of preset face images;

Use the fourth face image as the target face image.

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

Query the target account information corresponding to the target index information from among the plurality of default account information;

Generate payment information based on target account information.

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

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

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

The first information processing module is used to use the second face collection image as the target face image and 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 storing the target face image in association with the target index information, and storing the target account information and the target index information in association.

In some embodiments of the present invention, the identity authentication processing module may 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 authentication result.

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

Send the target face image and the target index information to the face recognition server, so that the face recognition server stores the target face image and the target index information in association.

In these embodiments, the index information determination module 620 can also be specifically used for:

Send a face recognition request to the face recognition server, so that the face recognition server responds to the face recognition request and identifies a target person matching the first face capture image in a plurality of 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 acquisition image;

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

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

The target account information and the target index information are sent to the information generation server, so that the information generation server stores the target account information and the target index information in association.

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, inquires the target account information corresponding to the target index information in the plurality of default account information, and generates payment information according to the target account information ; Wherein, the account information acquisition request includes target index information;

Receive payment information from the information generation server.

It should be noted that the information processing apparatus shown in FIG. 6 can implement various processes and effects implemented by the application server in the method embodiment of FIG. 1 , and to avoid repetition, details are not described here.

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

In some embodiments of the present invention, the apparatus shown in FIG. 7 may be provided in the above-mentioned first electronic device installed with the target application. As shown in FIG. 7, the information processing apparatus may include:

The first input receiving module 710 is used for receiving the first input of the user to the target application;

a first image acquisition module 720, configured to acquire the first face-captured image of the target payee in response to the first input;

The first request sending module 730 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 and determines the target index information corresponding to the first face acquisition image, and generating payment information according to target account information corresponding to the target index information; wherein, the payment information acquisition request includes a first face collection image;

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

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

In the embodiment of the present invention, the information processing apparatus can send the first face capture image to the application server, so that the application server determines the target index information corresponding to the first face capture image, and according to the target index information corresponding to the 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 of faces, no need Using an additional static QR code, therefore, avoids the leakage of the recipient's account information It can improve the security of the payee's account, and can also prevent the payee's payee account information from being exchanged, thereby enhancing the security of the payment transaction. In addition, the payer can directly use the information processing device to complete the entire payment transaction, without requiring the payee to use additional equipment, thereby reducing the cost of the payment transaction.

It should be noted that the information processing apparatus shown in FIG. 7 can implement various processes and effects implemented by the application server in the method embodiment of FIG. 2 , and to avoid repetition, details are not repeated here.

The information processing method and apparatus according to the embodiments of the present invention may be implemented by an information processing device. FIG. 8 shows a schematic diagram of a hardware structure of an information processing apparatus 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 . 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 bar 810, and the input device 801 and the output device 806 are respectively connected to the bus bar 810 through the input interface 802 and the output interface 805, and then to the bus bar 810. Other elements of the information processing apparatus 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 the user to use.

That is to say, the information processing apparatus shown in FIG. 8 can also be implemented to include: 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 Information processing method and device.

Embodiments of the present invention further provide a computer-readable storage medium, where computer program instructions are stored thereon; when the computer program instructions are executed by a processor, the information processing method provided by the embodiments of the present invention is implemented.

The functional blocks shown in the above structural block diagrams can be implemented as hardware, software, firmware or a combination thereof. When implemented in hardware, it can be, for example, electronic circuits, application specific integrated circuits (ASICs), suitable firmware, plug-ins, function cards, and the like. When implemented in software, elements of the invention are programs or code segments that are used to perform the required tasks. The program, or segments of program code, can be stored on a machine-readable medium, or transmitted over a transmission medium or communication link by a data signal carried in a carrier wave. A "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 (ROM), flash memory, Erasable Read Only Memory (EROM), floppy disks, CD-ROMs. Read memory (Compact Disc Read-Only Memory, CD-ROM), optical disc, hard disk, optical media, radio frequency (Radio Frequency, RF) link, and so on. The code snippets may be downloaded via a computer network such as the Internet, an intranet, or the like.

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 to say, the steps may be performed in the order mentioned in the embodiments, or may be different from the order in the embodiments, or several steps may be performed simultaneously.

The above are only specific embodiments of the present invention, and those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working process of the above-described systems, modules and units can be referred to in the foregoing method embodiments. The corresponding process is not repeated here. It should be understood that the protection scope of the present invention is not limited to this. Any person skilled in the art can easily think of various equivalent modifications or replacements within the technical scope disclosed by the present invention, and these modifications or replacements should be covered in within the protection scope of the present invention.

S110~S140: Steps

Claims (19)

An information processing method, comprising: before receiving a payment information acquisition request sent by a first electronic device, acquiring a registration request sent by a second electronic device, wherein the payment information acquisition request includes a first face collection map of a target payee image, the registration request includes the 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 the identity authentication result In the case of passing the authentication, use the second face collection image as the target face image, and use the payment account information as the target account information; generate the target face image corresponding to target index information; store the target face image in association with the target index information, and store the target account information in association with the target index information; in response to the payment information acquisition request, determine the collecting target index information corresponding to the first face image; generating payment information according to the target account information corresponding to the target index information; sending the payment information to the first electronic device, so that the first electronic The device displays a payment interface corresponding to the payment information. The method according to claim 1, wherein the determining the target index information corresponding to the first collected face image comprises: identifying, among a plurality of preset face images, the target index information corresponding to the first face image Collecting a target face image that matches the image; determining the target index information associated with the target face image. The method according to claim 2, wherein identifying a target face image matching the first collected face image among the plurality of preset face images includes: determining each of the preset face images. The face similarity between the preset face image and the first collected face image is determined; the target face image is determined according to the face similarity. The method according to claim 3, wherein the payment information acquisition request further includes the Device location information of the first electronic device, the determining the face similarity between each of the preset face images and the first captured face image includes: determining the destination to which the device location information belongs area; among a plurality of the preset face images, screening the preset face images marked with the destination area; determining each of the filtered preset face images and the first face image The face similarity of the collected images. The method according to claim 3, wherein the determining the target face image according to the face similarity comprises: when 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 : when there are multiple second face images with the largest face similarity, obtain the preset position information marked by each of the second face images; compare the preset position information with the device position information The same second face image 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 highest face similarity , obtain the preset text information marked by each of the third face images; the preset text information is the same as the image text information in the first face collection image. The third face image, as the target face image. The method according to claim 2, wherein, identifying a target face image matching the first collected face image among the plurality of preset face images includes: In the preset face image, identify the first face image that is the same as the first face collection image. Four face images; take 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 comprises: querying the target account information corresponding to the target index information in a plurality of preset account information. target account information; generating the payment information according to the target account information. The method according to claim 1, wherein the performing identity authentication on the user information to obtain an identity authentication result comprises: sending the user information to an identity authentication server, so that the identity authentication server can The device performs identity authentication on the user information to obtain an identity authentication result; and receives the identity authentication result. The method according to claim 1, wherein the storing the target face image in association with the target index information comprises: sending the target face image and the target index information to the face an identification server, so that the face identification server stores the target face image in association with the target index information. The method according to claim 11, wherein the determining the target index information corresponding to the first collected face image comprises: sending a face recognition request to the face recognition server, so that the person In response to the face recognition request, the face recognition server identifies the target face image that matches the first collected face image from a plurality of preset face images, and determines The target index information associated with the target face image; wherein the face recognition request includes the first face acquisition image; and the target index information fed back by the face recognition server is received. The method according to claim 1, wherein the storing the target account information in association with the target index information comprises: sending the target account information and the target index information to an information generation server to generate causing the information generation server to store the target account information in association with the target index information. The method according to claim 13, wherein the generating payment information according to the target account information corresponding to the target index information comprises: sending an account information acquisition request to the information generation server, so as to generate the information In response to the account information acquisition request, the server queries the target account information corresponding to the target index information in a plurality of preset account information, and generates the payment information according to the target account information; wherein, the The account information acquisition request includes the target index information; and the payment information fed back by the information generation server is received. An information processing method, comprising: receiving a first input from a user to a target application; in response to the first input, acquiring a first face capture image of a target payee; sending an application server corresponding to the target application Sending a payment information acquisition request, so that the application server responds to the payment information acquisition request, determines the target index information corresponding to the first face capture image, and determines the target account information corresponding to the target index information according to the target index information. , generate payment information; wherein, the payment information acquisition request includes the first face collection image, and the target payee sends the second person carrying the target payee to the application server through the second electronic device A registration request for a face-captured image, payment account information and user information, the application server performs identity authentication on the user information, takes the second face-captured image as the target face image through authentication, and will receive The account information is used as the target account information, the target index information corresponding to the target face image is regenerated, 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 payment information sent by the application server; the payment interface corresponding to the payment information is displayed. An information processing device, comprising: a first request receiving module for receiving a payment information acquisition request sent by a first electronic device; wherein the payment information acquisition request includes a first face collection image of a target payee, And, the target payee sends the second face collection carrying the target payee through the second electronic device. image, payment account information and user information registration request, and carry out identity authentication, through authentication, the second face captured image is used as the target face image, and the payment account information is used as the target account information, Regenerate target index information corresponding to the target face image, store the target face image in association with the target index information, and store the target account information in association with the target index information; the index information determination module is used to respond to the The payment information acquisition request determines the target index information corresponding to the first face collection image; the payment information generation module is used to generate payment information according to the target account information corresponding to the target index information; the payment information is sent The module is used for sending the payment information to the first electronic device, so that the first electronic device displays a payment interface corresponding to the payment information. An information processing device, comprising: a first input receiving module for receiving a first input from a user to a target application; a first image acquisition module for obtaining a target payee in response to the first input The first face collection image; 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, Determine the target index information corresponding to the first face collection image, and generate 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 For example, the target payee sends a registration request carrying the target payee's second face-captured image, payee account information and user information to the application server through the second electronic device, and the application server identity authentication based on the user information, take the second face collection image as the target face image through authentication, and use the collection account information as the target account information, and then generate the target index information corresponding to the target face image, and then 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 payment information receiving module is used to receive the payment information sent by the application server; the payment interface display module group, used to display the payment interface corresponding to the payment information. An information processing device, wherein the device comprises: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the processor implements any one of claim 1-14 or claim 15. the information processing method described above. A computer-readable storage medium, characterized in that, the computer-readable storage medium stores computer program instructions, and when the computer program instructions are executed by the processor, any one of request items 1-14 or request item 15 is implemented. the information processing method described above.

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