WO2017148258A1 - 一种支付方法及装置、设备 - Google Patents

一种支付方法及装置、设备 Download PDF

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Publication number
WO2017148258A1
WO2017148258A1 PCT/CN2017/073494 CN2017073494W WO2017148258A1 WO 2017148258 A1 WO2017148258 A1 WO 2017148258A1 CN 2017073494 W CN2017073494 W CN 2017073494W WO 2017148258 A1 WO2017148258 A1 WO 2017148258A1
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WO
WIPO (PCT)
Prior art keywords
payment
user
paid
verification code
face image
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
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PCT/CN2017/073494
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English (en)
French (fr)
Inventor
才华
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
China Unionpay Co Ltd
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China Unionpay Co Ltd
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Publication date
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Publication of WO2017148258A1 publication Critical patent/WO2017148258A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/16—Human faces, e.g. facial parts, sketches or expressions

Definitions

  • the present invention relates to the field of payment authentication technologies, and in particular, to a payment method, device, and device.
  • bank card for credit card input password payment requires a bank card to be used, which is inconvenient to use, and has a hidden danger of leaking the bank card password.
  • the embodiment of the invention provides a payment method, device and device for solving the problem of password leakage caused by swiping a card and inputting a password during the payment process.
  • a payment method provided by an embodiment of the present invention includes:
  • the payment server receives a payment request sent by the payment terminal, and the payment request includes a payment amount to be paid;
  • the payment server determines the face image information of the user to be paid and the face image library Whether the face image information matches;
  • the payment server obtains the payment account number and the user terminal number of the user to be paid, and sends a first verification code to the user terminal of the user to be paid according to the user terminal number;
  • the payment server determines whether the second verification code is consistent with the first verification code
  • the payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment notification includes the payment amount to be paid and the user to be paid Payment account.
  • the payment server sends the first verification code to the terminal to which the user to be paid is bound, including:
  • the payment server sends a payment confirmation message to the user terminal of the user to be paid, and the payment confirmation message includes the first verification code;
  • the payment server pushes the first verification code to an application in a user terminal of the user to be paid.
  • the method before the payment server receives the payment request sent by the payment terminal, the method further includes:
  • the payment server receives user registration information, where the registration information includes a user ID, a payment account bound to the user ID, a user terminal number bound to the user ID, and N sets of face image information of the user, where N is greater than or equal to 1;
  • the payment server stores the registration information of the user.
  • an embodiment of the present invention further provides a payment method, including:
  • the payment server determines whether the face image information of the user to be paid matches the face image information in the face image library
  • the payment server acquires the payment account of the user to be paid and the payment amount to be paid;
  • the payment server determines whether the second verification code is consistent with the first verification code
  • the payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment notification includes the payment amount to be paid and the user to be paid Payment account.
  • an embodiment of the present invention further provides a payment apparatus, including:
  • a first receiving unit configured to receive a payment request sent by the payment terminal, where the payment request includes a payment amount to be paid
  • a second receiving unit configured to receive face image information of the user to be paid automatically collected by the payment terminal
  • a determining unit configured to determine whether the face image information of the user to be paid matches the face image information in the face image library
  • a sending unit configured to acquire a payment account number and a user terminal number of the user to be paid if the face image information of the user to be paid matches the face image information in the face image library, and according to the user terminal number Sending a first verification code to the user terminal of the user to be paid;
  • a third receiving unit configured to receive a second verification code that is sent by the payment receiving terminal and is input by the user to be paid;
  • a determining unit configured to determine whether the second verification code is consistent with the first verification code
  • a payment unit configured to send a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment notification includes the payment amount to be paid and the payment account of the user to be paid.
  • the sending unit is specifically configured to:
  • the method further includes: a fourth receiving unit and a storage unit;
  • the registration information Before receiving the payment request sent by the payment terminal, receiving user registration information, where the registration information includes a user ID, a payment account bound to the user ID, a user terminal number bound to the user ID, and a group N face of the user. Picture information, N is greater than or equal to 1;
  • the storage unit is specifically configured to store the registration information of the user.
  • an embodiment of the present invention further provides a payment apparatus, including:
  • a first receiving unit configured to receive a verification code request sent by a user terminal of the user to be paid, and send a first verification code to the user terminal of the user to be paid according to the verification code request;
  • a second receiving unit configured to receive face image information of the user to be paid automatically collected by the payment terminal
  • a determining unit configured to determine whether the face image information of the user to be paid matches the face image information in the face image library
  • An obtaining unit configured to acquire a payment account of the user to be paid and a payment amount to be paid if the face image information of the user to be paid matches the face image information in the face image library;
  • a third receiving unit configured to receive a second verification code that is sent by the payment receiving terminal and is input by the user to be paid;
  • a determining unit configured to determine whether the second verification code is consistent with the first verification code
  • a payment unit configured to send a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment notification includes the payment amount to be paid and the payment account of the user to be paid.
  • an embodiment of the present invention provides a payment device, including:
  • At least one processor and,
  • the memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to perform the payment method of the first aspect described above.
  • an embodiment of the present invention provides a payment device, including:
  • At least one processor and,
  • the memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to perform the payment method of the second aspect described above.
  • an embodiment of the present invention provides a non-transitory computer readable storage medium, where the non-transitory computer readable storage medium stores computer instructions for causing the computer to perform the first aspect described above The payment method in the middle.
  • an embodiment of the present invention provides a non-transitory computer readable storage medium, where the non-transitory computer readable storage medium stores computer instructions, where the computer instructions are used to cause the computer to perform the second aspect described above The payment method in the middle.
  • an embodiment of the present invention provides a computer program product, the computer program product comprising a computing program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions, when the program instruction When executed by a computer, the computer is caused to perform the payment method of the first aspect described above.
  • an embodiment of the present invention provides a computer program product, the computer program product comprising a computing program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions, when the program instruction When executed by a computer, the computer is caused to perform the payment method of the second aspect described above.
  • the embodiment of the present invention indicates that the payment server receives the payment request sent by the payment terminal, and the collection server receives the face image information of the user to be paid automatically collected by the collection terminal, and the collection server determines the face image information of the user to be paid and Whether the face image information in the face image library matches; if matched, the payment server obtains the payment account and the user terminal number of the user to be paid, and sends a first verification code to the user terminal of the user to be paid according to the user terminal number.
  • the payment server receives the second verification code input by the payment terminal to be paid by the user to be paid, and the collection server determines whether the second verification code is consistent with the first verification code. If they are consistent, the payment server sends the payment account to the user to be paid.
  • the account manager sends a payment notification to complete the payment.
  • a payment notification to complete the payment.
  • the security of user payment can be confirmed.
  • verification code verification is performed, which avoids further strengthening the security of payment in the case of face recognition error. .
  • Only need face recognition and input verification code no need to carry out cumbersome card swipe and input password, which improves convenience and increases user experience.
  • FIG. 1 is a schematic flowchart of a payment method according to an embodiment of the present invention.
  • FIGS. 2a to 2b are schematic diagrams showing display of a verification code according to an embodiment of the present invention.
  • 3a-3b are schematic diagrams showing display of a verification code according to an embodiment of the present invention.
  • FIG. 4 is a schematic flowchart of a payment method according to an embodiment of the present invention.
  • FIG. 5 is a schematic flowchart of a payment device according to an embodiment of the present invention.
  • FIG. 6 is a schematic flowchart of a payment device according to an embodiment of the present invention.
  • FIG. 7 is a schematic structural diagram of a payment device according to an embodiment of the present disclosure.
  • FIG. 8 is a schematic structural diagram of a payment device according to an embodiment of the present invention.
  • the user needs to register the member in advance at the place of use, establish a user ID (Identity), and bind the user's name, mobile phone number, and the like with the user ID, and
  • the face image information of the user corresponding to the user ID is collected, and the face image information of the user is stored in the face image library in a secure manner, and is encrypted to prevent the face image information from being stolen.
  • the user also needs to encrypt the bank card information, send it to the background through secure communication, and submit the card issuing bank of the bank card for verification, thereby completing the binding of the bank card information.
  • the receiving server in the embodiment of the present invention may be a background server, and the user terminal bound to the user ID in the embodiment of the present invention may be an electronic device having a wireless communication function and capable of installing an application program, such as a mobile phone, a tablet computer, or a palmtop computer. .
  • the payment terminal in the embodiment of the present invention may be a POS machine of a supermarket.
  • the client corresponding to the payment server set in the user terminal in the embodiment of the present invention may be an application installed in the user terminal.
  • FIG. 1 shows a flow of a payment method that can be executed by a payment device.
  • the process specifically includes:
  • Step 101 The payment server receives the payment request sent by the payment terminal.
  • Step 102 The payment server receives the face image information of the user to be paid automatically collected by the payment terminal.
  • Step 103 The payment server determines whether the face image information of the user to be paid matches the face image information in the face image library, and if yes, proceeds to step 104, and if no, proceeds to step 102.
  • Step 104 The payment server obtains the payment account number and the user terminal number of the user to be paid, and sends a first verification code to the user terminal of the user to be paid according to the user terminal number.
  • Step 105 The payment server receives a second verification code input by the payment receiving terminal and sent by the user to be paid.
  • Step 106 The payment server determines whether the second verification code is consistent with the first verification code, and if yes, proceeds to step 107, and if no, proceeds to step 105.
  • Step 107 The payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment.
  • the user registers at the collection terminal of the supermarket and can receive the user registration information.
  • the user registration information includes a user ID and a payment account bound to the user ID, a user terminal number, and N sets of face picture information of the user.
  • the user registration information is then stored.
  • the payment account bound to the user ID is used to deduct the payment amount generated during the shopping, and the user terminal number is used by the payment terminal to send the first verification code to the user terminal according to the user terminal number.
  • the N group face picture information is used to match the collected face picture information of the user to be paid. N is greater than or equal to 1.
  • step 101 after the shopping is completed, the user makes a payment to the counter, and after the payment terminal scans the commodity, sends a payment request to the payment server, where the payment request includes a payment amount to be paid, and the payment amount to be paid is used for payment.
  • step 102 after the payment server receives the payment request sent by the payment terminal in step 101, the collection terminal needs to automatically collect the face of the user to be paid, and the collection terminal is provided with a device for automatically capturing the face avatar.
  • the face image information of the user to be paid can be automatically collected, and the face image information of the user to be paid is collected, and the face image information of the user to be paid can be used for face recognition.
  • the face image information of the user to be paid can be automatically collected by a camera or other face image information collecting device.
  • the receiving terminal sends the automatically collected face image information of the user to be paid to the payment server, and the receiving server receives the face image information of the user to be paid automatically collected by the receiving terminal.
  • step 103 after the payment server receives the face image information of the user to be paid automatically collected by the payment terminal, the face image information of the user to be paid is matched with the face image information in the face image library. . If the face image information of the user to be paid matches the face image information in the face image library successfully, the identity of the user to be paid is confirmed, and the payment server can obtain the payment account and the user terminal number of the user to be paid. Otherwise, the payment receiving terminal is notified to continue collecting the face image information of the user to be paid. If the user fails to match the preset number of times, the user who is to be paid cannot pass the verification, so that the payment cannot be made, and the bank card of the user is guaranteed. safety.
  • step 104 when the payment server determines that the face image information of the user to be paid matches the face image information in the face image library, the payment server obtains the payment account and the user terminal number of the user to be paid, and Sending to the user terminal of the user to be paid according to the user terminal First verification code.
  • the first verification code can be set to be valid within the set time, and cannot be used beyond the set time, and needs to be reacquired.
  • the set time can be set according to experience, for example, it can be set for 5 minutes.
  • the process of sending the first verification code to the user terminal of the user to be paid by the payment server may be that the payment confirmation message is sent to the user terminal of the user to be paid, and the payment confirmation message includes the first verification code, as shown in FIG. 2a. .
  • the user can also manage the payment confirmation message, for example, the payment confirmation message can be deleted to avoid information leakage, as shown in FIG. 2b.
  • the user can install the payment management application in the user terminal in advance. After the application is opened, as shown in FIG. 3b, the pushed first verification code can be seen, and the first verification code is pushed after the face image information of the user to be paid is successfully matched.
  • step 105 after the payment server sends the first verification code to the user to be paid, the user checks the verification code and inputs the verification code, that is, the payment terminal can obtain the second verification of the user input to be paid. And the payment terminal sends the second verification code to the collection server, and the collection server receives the second verification code input by the payment terminal and the user input to be paid.
  • step 106 the payment server determines whether the second verification code input by the user to be paid is consistent with the first verification code in step 104. If they are consistent, the identity of the user to be paid can be confirmed, and the identity of the user to be paid is further verified. To ensure the security of bank card information. Otherwise, the payment terminal needs to be notified to continue to obtain the second verification code input by the user to be paid. If the second verification code is obtained after the predetermined number of times, the payment is determined.
  • step 107 after the payment server determines in step 106 that the second verification code is consistent with the first verification code, the payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment.
  • the payment notice includes the payment amount to be paid and the payment account of the user to be paid.
  • the foregoing embodiment shows that the payment server receives the payment request sent by the payment terminal, and the collection server receives the face image information of the user to be paid automatically collected by the payment terminal, and the collection server determines to wait. Whether the face image information of the payment user matches the face image information in the face image library; if matched, the payment server obtains the payment account number and the user terminal number of the user to be paid, and provides the user to be paid according to the user terminal number.
  • the user terminal sends the first verification code
  • the collection server receives the second verification code input by the payment terminal to be paid by the user, and the collection server determines whether the second verification code is consistent with the first verification code, and if they are consistent, the payment is received.
  • the server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment.
  • the security of user payment can be confirmed.
  • verification code verification is performed, which avoids further strengthening the security of payment in the case of face recognition error. . Only need face recognition and input verification code, no need to carry out cumbersome card swipe and input password, which improves convenience and increases user experience.
  • FIG. 4 shows a flow of a payment method that can be executed by a payment device.
  • the process specifically includes:
  • Step 401 The payment server receives a verification code request sent by the user terminal of the user to be paid, and sends a first verification code to the user terminal of the user to be paid according to the verification code request.
  • Step 402 The payment server receives the face image information of the user to be paid automatically collected by the payment terminal.
  • Step 403 The payment server determines whether the face image information of the user to be paid matches the face image information in the face image library, and if yes, proceeds to step 404, and if no, proceeds to step 402.
  • Step 404 The payment server acquires a payment account of the user to be paid and a payment amount to be paid.
  • Step 405 The payment server receives a second verification code input by the payment receiving terminal and sent by the user to be paid.
  • Step 406 The payment server determines whether the second verification code is consistent with the first verification code, and if yes, proceeds to step 407, and if no, proceeds to step 405.
  • Step 407 The account management server corresponds to the account management of the payment account of the user to be paid The party sends a payment notice to complete the payment.
  • the user registers with the application on the user terminal, and the payment server receives the user registration information sent by the user terminal.
  • the user registration information includes a user ID, a payment account bound to the user ID, a user terminal number bound to the user ID, and N sets of face picture information of the user, and then the payment server stores the user registration information.
  • the user terminal number is used by the payment server to send the first verification code to the user terminal according to the user terminal number.
  • the N group face picture information is used to match the collected face picture information of the user to be paid. N is greater than or equal to 1.
  • step 401 after the purchase is completed, the user to be paid opens the application in the user terminal, and sends a verification code request to the collection server for requesting the payment server to send the verification code.
  • the payment server receives the verification code request sent by the user terminal of the user to be paid, and returns a first verification code to the user terminal of the user to be paid according to the verification code request.
  • the first verification code can be set to be valid within the set time, and cannot be used beyond the set time, and needs to be reacquired.
  • the set time can be set according to experience, for example, it can be set for 5 minutes.
  • the cashier scans the item that the user needs to purchase, and the payment terminal submits a payment request, and the payment request may include a payment amount to be paid, and the payment amount to be paid is used for the amount to be deducted from the user's bank card at the time of payment. .
  • step 402 after the user terminal receives the first verification code returned by the payment server, the payment terminal needs to automatically collect the face of the user to be paid, and automatically collect the face image information of the user to be paid, the user to be paid Face image information can be used for face recognition.
  • the face image information of the user to be paid can be automatically collected by a camera or other face image information collecting device.
  • the receiving terminal sends the automatically collected face image information of the user to be paid to the payment server, and the receiving server receives the face image information of the user to be paid automatically collected by the receiving terminal.
  • step 403 after the payment server receives the face image information of the user to be paid automatically collected by the payment terminal, the face image information of the user to be paid is matched with the face image information in the face image library. . If the face image information of the user to be paid matches the face image information in the face image library successfully, the identity of the user to be paid is confirmed, and the payment server can obtain the payment account and the user terminal number of the user to be paid. Otherwise, the payment receiving terminal is notified to continue collecting the face image information of the user to be paid. If the number of times exceeds the preset number of times and the matching cannot be successful, the user to be paid is indicated. Unable to pass the verification, the payment cannot be made, and the security of the user's bank card is guaranteed.
  • step 404 when the payment server determines in step 403 that the face image information of the user to be paid matches the face image information in the face image library, the payment server acquires the payment account bound by the user to be paid and the payment to be paid. The payment amount, and instruct the receiving terminal to prompt the user that a verification code needs to be input.
  • step 405 the user to be paid inputs a second verification code at the receiving terminal, that is, the POS machine, according to the first verification code received by the user terminal.
  • the payment terminal sends the second verification code input by the user to be paid to the collection server, and the collection server receives the second verification code input by the payment terminal and the user input to be paid.
  • step 406 the payment server determines whether the second verification code input by the user to be paid is consistent with the first verification code. If they are consistent, the identity of the user to be paid can be confirmed, and the identity of the user to be paid is further verified. The security of bank card information. Otherwise, the payment terminal needs to be notified to continue to obtain the second verification code input by the user to be paid. If the second verification code is obtained after the predetermined number of times, the payment is determined.
  • step 407 after the payment server determines in step 406 that the second verification code is consistent with the first verification code, the payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment.
  • the payment notice includes the payment amount to be paid and the payment account of the user to be paid.
  • the payment verification code is sent to the mobile phone in the form of a short message.
  • the user inputs information such as name and mobile phone number through the receiving terminal of the supermarket, collects facial image information, and sends it to the background system for encrypted storage to establish a member file. Then, the payment terminal binds the bank card information, swipes the password, sends the password to the receiving server through secure communication, and submits the card issuing bank for verification, and completes the binding of the bank card information.
  • information such as name and mobile phone number
  • the payment terminal binds the bank card information, swipes the password, sends the password to the receiving server through secure communication, and submits the card issuing bank for verification, and completes the binding of the bank card information.
  • the cashier scans the goods and submits the payment request, and the collection terminal automatically collects the user face image information, and sends the automatically collected face image information.
  • the collection server performs the comparison, and after confirming the identity of the user, the collection service
  • the device randomly generates a payment verification code and sends a text message to the user's mobile phone, which includes information such as a payment verification code and a transaction amount.
  • the user enters the verification code on the payment terminal, and the payment terminal sends the input verification code to the collection server for verification, and the payment server verifies the verification code and then notifies the bank card.
  • the issuing bank performs a deduction to complete the transaction.
  • the user needs to download the mobile payment management application, register the supermarket member through the application in the mobile phone, verify the mobile phone number, create a member profile, and generate a user ID. Then, the face image is collected at the collection terminal of the supermarket, bound with the user ID, and sent to the background for secure storage through secure communication. Finally, the payment terminal binds the bank card information, swipes the password, sends it to the background through secure communication, and submits it to the sending card bank for verification, and completes the binding of the bank card information.
  • the application in the mobile phone is opened, and the random verification code is requested from the receiving server, and after receiving the random verification code sent by the receiving server, the payment is made before the receiving terminal.
  • the cashier scans the merchandise and submits the payment request.
  • the receiving terminal automatically collects the user's face image information, and sends the automatically collected facial image information to the collection server for comparison.
  • the user is on the receiving terminal.
  • the verification code is input, and the payment terminal sends the input verification code to the collection server for verification, and the payment server completes the transaction after the verification code passes.
  • FIG. 5 shows a structure of a payment apparatus provided by an embodiment of the present invention, which can execute a payment process.
  • the device specifically includes:
  • the first receiving unit 501 is configured to receive a payment request sent by the payment terminal, where the payment request includes a payment amount to be paid;
  • the second receiving unit 502 is configured to receive face image information of the user to be paid automatically collected by the payment terminal;
  • a determining unit 503 configured to determine whether the face image information of the user to be paid matches the face image information in the face image library
  • the sending unit 504 is configured to: if the face image information of the user to be paid and the person in the face image library If the face image information is matched, the payment account and the user terminal number of the user to be paid are obtained, and the first verification code is sent to the user terminal of the user to be paid according to the user terminal number;
  • the third receiving unit 505 is configured to receive a second verification code that is sent by the payment receiving terminal and is input by the user to be paid;
  • the determining unit 506 is configured to determine whether the second verification code is consistent with the first verification code.
  • the payment unit 507 is configured to send a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment notification includes the payment amount to be paid and the payment account of the user to be paid.
  • the sending unit 504 is specifically configured to:
  • the method further includes: a fourth receiving unit (not shown) and a storage unit (not shown);
  • the registration information Before receiving the payment request sent by the payment terminal, receiving user registration information, where the registration information includes a user ID, a payment account bound to the user ID, a user terminal number bound to the user ID, and a group N face of the user. Picture information, N is greater than or equal to 1;
  • the storage unit is specifically configured to store the registration information of the user.
  • FIG. 6 shows a payment device provided by an embodiment of the present invention, which can execute a payment process.
  • the device specifically includes:
  • the first receiving unit 601 is configured to receive a verification code request sent by the user terminal of the user to be paid, and send a first verification code to the user terminal of the user to be paid according to the verification code request;
  • the second receiving unit 602 is configured to receive face image information of the user to be paid automatically collected by the payment terminal;
  • a determining unit 603 configured to determine whether the face image information of the user to be paid matches the face image information in the face image library
  • the obtaining unit 604 if the face image information of the user to be paid matches the face image information in the face image library, obtain the payment account of the user to be paid and the payment amount to be paid;
  • the third receiving unit 605 is configured to receive a second verification code that is sent by the payment receiving terminal and is input by the user to be paid;
  • the determining unit 606 is configured to determine whether the second verification code is consistent with the first verification code.
  • the payment unit 607 is configured to send a payment notification to the account management party corresponding to the payment account of the to-be-paid user to complete the payment, where the payment notification includes the payment amount to be paid and the payment account of the user to be paid.
  • an embodiment of the present invention provides a payment device. At least one processor; and a memory communicatively coupled to the at least one processor; the memory storing instructions executable by the at least one processor, the instructions being executed by the at least one processor such that The at least one processor is capable of executing the payment method in the above embodiments.
  • FIG. 7 is a structure of a payment device according to an embodiment of the present invention.
  • the payment device 700 includes a transceiver 701, a processor 702, a memory 703, and a bus system 704.
  • the memory 703 is used to store a program.
  • the program can include program code, the program code including computer operating instructions.
  • the memory 703 may be a random access memory (RAM) or a non-volatile memory such as at least one disk storage. Only one memory is shown in the figure, of course, the memory can also be set to a plurality as needed. Memory 703 can also be a memory in processor 702.
  • the memory 703 stores the following elements, executable modules or data structures, or a subset thereof, or an extended set thereof:
  • Operation instructions include various operation instructions for implementing various operations.
  • Operating system Includes a variety of system programs for implementing various basic services and handling hardware-based tasks.
  • Processor 702 may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the above payment method may pass through the integration logic of the hardware in the processor 702. Instructions in the form of circuits or software are completed.
  • the processor 702 described above may be a general purpose processor, a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic device, a discrete gate or transistor logic device, or discrete hardware. Component.
  • DSP digital signal processor
  • ASIC application specific integrated circuit
  • FPGA field programmable gate array
  • the general purpose processor may be a microprocessor or the processor or any conventional processor or the like.
  • the steps of the method disclosed in the embodiments of the present invention may be directly implemented as a hardware decoding processor, or may be performed by a combination of hardware and software modules in the decoding processor.
  • the software module can be located in a conventional storage medium such as random access memory, flash memory, read only memory, programmable read only memory or electrically erasable programmable memory, registers, and the like.
  • the storage medium is located in the memory 703, and the processor 702 reads the information in the memory 703 and performs the following steps in conjunction with its hardware:
  • the transceiver 701 is configured to receive a payment request sent by the payment terminal, where the payment request includes a payment amount to be paid; and receive face image information of the user to be paid automatically collected by the collection terminal;
  • the processor 702 is configured to determine whether the face image information of the user to be paid matches the face image information in the face image library;
  • the transceiver 701 is further configured to: if the face image information of the user to be paid matches the face image information in the face image library, obtain the payment account number and the user terminal number of the user to be paid, and according to the Transmitting a first verification code to the user terminal of the user to be paid; receiving a second verification code input by the user of the payment to be paid by the user;
  • the processor 702 is further configured to determine whether the second verification code is consistent with the first verification code, and send a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment is performed.
  • the notification includes the payment amount to be paid and the payment account of the user to be paid.
  • the transceiver 701 is specifically configured to:
  • the transceiver 701 is further configured to: before receiving the payment request sent by the payment terminal, receiving the user registration information, where the registration information includes a user ID, a payment account bound to the user ID, The user terminal number bound to the user ID and the N group face image information of the user, where N is greater than or equal to 1;
  • the memory 703 is configured to store registration information of the user.
  • an embodiment of the present invention provides a payment device. At least one processor; and a memory communicatively coupled to the at least one processor; the memory storing instructions executable by the at least one processor, the instructions being executed by the at least one processor such that The at least one processor is capable of executing the payment method in the above embodiments.
  • FIG. 8 is a structure of a payment device according to an embodiment of the present invention.
  • the payment device 800 includes a transceiver 801, a processor 802, a memory 803, and a bus system 804.
  • the memory 803 is used to store a program.
  • the program can include program code, the program code including computer operating instructions.
  • the memory 803 may be a random access memory (RAM) or a non-volatile memory, such as at least one disk storage. Only one memory is shown in the figure, of course, the memory can also be set to a plurality as needed. Memory 803 can also be a memory in processor 802.
  • the memory 803 stores the following elements, executable modules or data structures, or a subset thereof, or an extended set thereof:
  • Operation instructions include various operation instructions for implementing various operations.
  • Operating system Includes a variety of system programs for implementing various basic services and handling hardware-based tasks.
  • Processor 802 may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the foregoing payment method may be completed by an integrated logic circuit of hardware in the processor 802 or an instruction in a form of software.
  • the processor 802 described above may be a general purpose processor, a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic device, a discrete gate or transistor logic device, or discrete hardware. Component.
  • DSP digital signal processor
  • ASIC application specific integrated circuit
  • FPGA field programmable gate array
  • the general purpose processor may be a microprocessor or the processor or any conventional processor or the like.
  • the steps of the method disclosed in connection with the embodiments of the present invention may be directly implemented as a hardware decoding processor, or The completion is performed by a combination of hardware and software modules in the decoding processor.
  • the software module can be located in a conventional storage medium such as random access memory, flash memory, read only memory, programmable read only memory or electrically erasable programmable memory, registers, and the like.
  • the storage medium is located in the memory 803, and the processor 802 reads the information in the memory 803 and performs the following steps in conjunction with its hardware:
  • the transceiver 801 is configured to receive a verification code request sent by a user terminal of a user to be paid, and send a first verification code to the user terminal of the user to be paid according to the verification code request; and receive the automatic collection by the payment terminal. Face image information of the user to be paid;
  • the processor 802 is configured to determine whether the face image information of the user to be paid matches the face image information in the face image library;
  • the transceiver 801 is further configured to: if the face image information of the user to be paid matches the face image information in the face image library, obtain the payment account of the user to be paid and the payment amount to be paid; a second verification code input by the payment terminal to be paid by the user;
  • the processor 802 is further configured to determine whether the second verification code is consistent with the first verification code, and send a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment is performed.
  • the notification includes the payment amount to be paid and the payment account of the user to be paid.
  • the foregoing storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk, and the like. .
  • the present invention provides a non-transitory computer readable storage medium storing computer instructions for causing the computer to perform the payment of any of the above method.
  • the present invention also provides a computer program product, the computer program product comprising the A computing program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions that, when executed by a computer, cause the computer to perform the payment method of any of the above.
  • the computer program instructions can also be stored in a computer readable memory that can direct a computer or other programmable data processing device to operate in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture comprising the instruction device.
  • the apparatus implements the functions specified in one or more blocks of a flow or a flow and/or block diagram of the flowchart.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device such that a series of operational steps are performed on a computer or other programmable device to produce computer-implemented processing for execution on a computer or other programmable device.
  • the instructions provide steps for implementing the functions specified in one or more of the flow or in a block or blocks of a flow diagram.

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Abstract

一种支付方法及装置、设备，该方法包括：收款服务器接收收款终端发送的支付请求（101），所述收款服务器接收所述收款终端自动采集的待支付用户的人脸图片信息（102），确定待支付用户的人脸图片信息与人脸图片库中的人脸图片信息是否匹配（103），若匹配，则向待支付用户的用户终端发送第一验证码（104），接待支付用户输入的第二验证码（105），判断第二验证码与第一验证码是否一致（106），若一致，则向待支付用户的支付账户对应的账户管理方发送支付通知以完成支付（107）。通过人脸识别和验证码的双重验证，可以确认用户支付的安全性，在人脸图片信息验证之后，又进行验证码验证，避免了在人脸识别出现误差的情况下进一步加强支付的安全性。只需要人脸识别和输入验证码，不用进行繁琐的刷卡和输入密码，提高了便利性，增加了用户的体验感。

Description

一种支付方法及装置、设备
本申请要求在2016年02月29日提交中华人民共和国知识产权局、申请号为201610112979.0，发明名称为“一种支付方法及装置”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及支付认证技术领域，尤其涉及一种支付方法及装置、设备。
背景技术
用户在大型会员制连锁超市进行购物时，大多采用现金支付或者传统的使用银行卡进行刷卡输入密码的支付形式。
如果购物时需要大额支付，采用现金支付不方便，用户需要携带大量现金，会带来一定的安全隐患。而使用银行卡进行刷卡输入密码支付，需要携带银行卡，使用不方便，而且有泄漏银行卡密码的隐患。
因此，亟需一种支付方法，解决在支付过程中因刷卡、输入密码带来的密码泄漏的问题。
发明内容
本发明实施例提供一种支付方法及装置、设备，用以解决在支付过程中因刷卡、输入密码带来的密码泄漏的问题。
第一方面，本发明实施例提供的一种支付方法，包括：
收款服务器接收收款终端发送的支付请求，所述支付请求包括待支付的支付额；
所述收款服务器接收所述收款终端自动采集的待支付用户的人脸图片信息；
所述收款服务器确定所述待支付用户的人脸图片信息与人脸图片库中的 人脸图片信息是否匹配；
若匹配，则所述收款服务器获取所述待支付用户的支付账号和用户终端号码，并根据所述用户终端号码，向所述待支付用户的用户终端发送第一验证码；
所述收款服务器接收所述收款终端发送的待支付用户输入的第二验证码；
所述收款服务器判断所述第二验证码与所述第一验证码是否一致；
若一致，则所述收款服务器向所述待支付用户的支付账户对应的账户管理方发送支付通知以完成支付，所述支付通知中包括所述待支付的支付额和所述待支付用户的支付账户。
优选地，所述收款服务器向所述待支付用户绑定的终端发送第一验证码，包括：
所述收款服务器向所述待支付用户的用户终端发送支付确认短信，所述支付确认短信中包括所述第一验证码；或
所述收款服务器向所述待支付用户的用户终端中的应用程序推送所述第一验证码。
优选地，在收款服务器接收收款终端发送的支付请求之前，还包括：
所述收款服务器接收用户注册信息，所述注册信息中包括用户ID、与用户ID绑定的支付账户、与用户ID绑定的用户终端号码以及用户的N组人脸图片信息，N大于等于1；
所述收款服务器将所述用户的注册信息进行存储。
第二方面，本发明实施例还提供了一种支付方法，包括：
所述收款服务器接收待支付用户的用户终端发送的验证码请求，并根据所述验证码请求向所述待支付用户的用户终端发送第一验证码；
所述收款服务器接收收款终端自动采集的待支付用户的人脸图片信息；
所述收款服务器确定所述待支付用户的人脸图片信息与人脸图片库中的人脸图片信息是否匹配；
若匹配成功，则所述收款服务器获取所述待支付用户的支付账户和待支付的支付额；
所述收款服务器接收所述收款终端发送的待支付用户输入的第二验证码；
所述收款服务器判断所述第二验证码与所述第一验证码是否一致；
若一致，则所述收款服务器向所述待支付用户的支付账户对应的账户管理方发送支付通知以完成支付，所述支付通知中包括所述待支付的支付额和所述待支付用户的支付账户。
第三方面，本发明实施例还提供了一种支付装置，包括：
第一接收单元，用于接收收款终端发送的支付请求，所述支付请求包括待支付的支付额；
第二接收单元，用于接收所述收款终端自动采集的待支付用户的人脸图片信息；
确定单元，用于确定所述待支付用户的人脸图片信息与人脸图片库中人脸图片信息是否匹配；
发送单元，用于若所述待支付用户的人脸图片信息与人脸图片库中人脸图片信息匹配，则获取所述待支付用户的支付账号和用户终端号码，并根据所述用户终端号码，向所述待支付用户的用户终端发送第一验证码；
第三接收单元，用于接收所述收款终端发送的待支付用户输入的第二验证码；
判断单元，用于判断所述第二验证码与所述第一验证码是否一致；
支付单元，用于向所述待支付用户的支付账户对应的账户管理方发送支付通知以完成支付，所述支付通知中包括所述待支付的支付额和所述待支付用户的支付账户。
优选地，所述发送单元具体用于：
向所述待支付用户的用户终端发送支付确认短信，所述支付确认短信中包括所述第一验证码；或
向所述待支付用户的用户终端中的应用程序推送所述第一验证码。
优选地，还包括：第四接收单元和存储单元；
在接收收款终端发送的支付请求之前，接收用户注册信息，所述注册信息中包括用户ID、与用户ID绑定的支付账户、与用户ID绑定的用户终端号码以及用户的N组人脸图片信息，N大于等于1；
所述存储单元具体用于将所述用户的注册信息进行存储。
第四方面，本发明实施例还提供了一种支付装置，包括：
第一接收单元，用于接收待支付用户的用户终端发送的验证码请求，并根据所述验证码请求向所述待支付用户的用户终端发送第一验证码；
第二接收单元，用于接收收款终端自动采集的待支付用户的人脸图片信息；
确定单元，用于确定所述待支付用户的人脸图片信息与人脸图片库中的人脸图片信息是否匹配；
获取单元，用于若所述待支付用户的人脸图片信息与人脸图片库中人脸图片信息匹配，则获取所述待支付用户的支付账户和待支付的支付额；
第三接收单元，用于接收所述收款终端发送的待支付用户输入的第二验证码；
判断单元，用于判断所述第二验证码与所述第一验证码是否一致；
支付单元，用于向所述待支付用户的支付账户对应的账户管理方发送支付通知以完成支付，所述支付通知中包括所述待支付的支付额和所述待支付用户的支付账户。
第五方面，本发明实施例提供了一种支付设备，其特征在于，包括：
至少一个处理器；以及，
与所述至少一个处理器通信连接的存储器；其中，
所述存储器存储有可被所述至少一个处理器执行的指令，所述指令被所述至少一个处理器执行，以使所述至少一个处理器能够执行上述第一方面的支付方法。
第六方面，本发明实施例提供了一种支付设备，其特征在于，包括：
至少一个处理器；以及，
与所述至少一个处理器通信连接的存储器；其中，
所述存储器存储有可被所述至少一个处理器执行的指令，所述指令被所述至少一个处理器执行，以使所述至少一个处理器能够执行上述第二方面的支付方法。
第七方面，本发明实施例提供了一种非暂态计算机可读存储介质，所述非暂态计算机可读存储介质存储计算机指令，所述计算机指令用于使所述计算机执行上述第一方面中的支付方法。
第八方面，本发明实施例提供了一种非暂态计算机可读存储介质，所述非暂态计算机可读存储介质存储计算机指令，所述计算机指令用于使所述计算机执行上述第二方面中的支付方法。
第九方面，本发明实施例提供了一种计算机程序产品，所述计算机程序产品包括存储在非暂态计算机可读存储介质上的计算程序，所述计算机程序包括程序指令，当所述程序指令被计算机执行时，使所述计算机执行上述第一方面中的支付方法。
第十方面，本发明实施例提供了一种计算机程序产品，所述计算机程序产品包括存储在非暂态计算机可读存储介质上的计算程序，所述计算机程序包括程序指令，当所述程序指令被计算机执行时，使所述计算机执行上述第二方面中的支付方法。
本发明实施例表明，收款服务器接收收款终端发送的支付请求，收款服务器接收收款终端自动采集的待支付用户的人脸图片信息，收款服务器确定待支付用户的人脸图片信息与人脸图片库中的人脸图片信息是否匹配；若匹配，则收款服务器获取待支付用户的支付账号和用户终端号码，并根据用户终端号码，向待支付用户的用户终端发送第一验证码，收款服务器接收收款终端发送的待支付用户输入的第二验证码，收款服务器判断第二验证码与第一验证码是否一致，若一致，则收款服务器向待支付用户的支付账户对应的 账户管理方发送支付通知以完成支付。通过人脸识别和验证码的双重验证，可以确认用户支付的安全性，在人脸图片信息验证之后，又进行验证码验证，避免了在人脸识别出现误差的情况下进一步加强支付的安全性。只需要人脸识别和输入验证码，不用进行繁琐的刷卡和输入密码，提高了便利性，增加了用户的体验感。
附图说明
一个或多个实施例通过与之对应的附图中的图片进行示例性说明，这些示例性说明并不构成对实施例的限定，附图中具有相同参考数字标号的元件表示为类似的元件，除非有特别申明，附图中的图不构成比例限制。
图1为本发明实施例中一种支付方法的流程示意图；
图2a至图2b为本发明实施例中一种验证码显示示意图；
图3a至图3b为本发明实施例中一种验证码显示示意图；
图4为本发明实施例中一种支付方法的流程示意图；
图5为本发明实施例中一种支付装置的流程示意图；
图6为本发明实施例中一种支付装置的流程示意图；
图7为本发明实施例提供的一种支付设备的结构示意图；
图8为本发明实施例提供的一种支付设备的结构示意图。
具体实施方式
为使本发明的目的、技术方案和优点更加清楚明了，下面结合具体实施例并参照附图，对本发明进一步详细说明。应该理解，这些描述只是示例性的，而并非要限制本发明的范围。此外，在以下说明中，省略了对公知结构和技术的描述，以避免不必要地混淆本发明的概念。
在本发明实施例中，用户需要预先在使用地进行注册会员，建立用户ID(Identity，身份标识号)，与该用户ID绑定用户的姓名、手机号等信息，并 采集该用户ID对应的用户的人脸图片信息，将该用户的人脸图片信息通过安全的方式存储在人脸图片库中，并进行加密，防止人脸图片信息被盗取。然后用户还需要将绑定的银行卡信息，刷卡输密，通过安全的通讯方式送到后台，并提交该银行卡的发卡银行进行验证，从而完成银行卡信息的绑定。
本发明实施例中的收款服务器可以是后台服务器，本发明实施例中的与用户ID绑定的用户终端可以是手机、平板电脑、掌上电脑等具有无线通信功能且可以安装应用程序的电子设备。本发明实施例中的收款终端可以是超市的POS机。本发明实施例中的用户终端内设置的与收款服务器相对应的客户端可以是在用户终端内安装的应用程序。
基于上述描述，图1示出了一种支付方法的流程，该流程可以由支付装置执行。
如图1所示，该流程具体包括：
步骤101，收款服务器接收收款终端发送的支付请求。
步骤102，所述收款服务器接收所述收款终端自动采集的待支付用户的人脸图片信息。
步骤103，所述收款服务器确定所述待支付用户的人脸图片信息与人脸图片库中的人脸图片信息是否匹配，若是，则转入步骤104，若否，转入步骤102。
步骤104，所述收款服务器获取所述待支付用户的支付账号和用户终端号码，并根据所述用户终端号码，向所述待支付用户的用户终端发送第一验证码。
步骤105，所述收款服务器接收所述收款终端发送的待支付用户输入的第二验证码。
步骤106，所述收款服务器判断所述第二验证码与所述第一验证码是否一致，若是，则转入步骤107，若否，则转入步骤105。
步骤107，所述收款服务器向所述待支付用户的支付账户对应的账户管理方发送支付通知以完成支付。
在步骤101之前，用户在超市的收款终端进行注册，可以接收该用户注册信息。该用户注册信息包括用户ID和与用户ID绑定的支付账户、用户终端号码以及用户的N组人脸图片信息。然后将用户注册信息进行存储。与用户ID绑定的支付账户用于扣除购物时产生的支付额，用户终端号码用于收款终端根据该用户终端号码向该用户终端发送第一验证码。N组人脸图片信息用于与采集的待支付用户的人脸图片信息进行匹配。N大于等于1。
在步骤101中，用户在购物完成后，到柜台进行支付，收款终端扫描商品之后向收款服务器发送支付请求，该支付请求中包括待支付的支付额，该待支付的支付额用于支付时从需要在用户的银行卡中扣除的金额。
在步骤102中，当收款服务器在步骤101中接收到收款终端发送的支付请求之后，收款终端需要对待支付用户的人脸进行自动采集，收款终端设有自动捕捉人脸头像的装置，可以自动采集待支付用户的人脸图片信息，采集到待支付用户的人脸图片信息，该待支付用户的人脸图片信息可以用于进行人脸识别。采集该待支付用户的人脸图片信息可以通过摄像头或其他的人脸图片信息采集设备进行自动采集。收款终端将自动采集的待支付用户的人脸图片信息发送给收款服务器，收款服务器接收该收款终端自动采集的待支付用户的人脸图片信息。
在步骤103中，当收款服务器接收到收款终端自动采集的待支付用户的人脸图片信息之后，将该待支付用户的人脸图片信息与人脸图片库中的人脸图片信息进行匹配。若待支付用户的人脸图片信息与人脸图片库中的人脸图片信息匹配成功，则确认待支付用户的身份，收款服务器可以获取待支付用户的支付账户和用户终端号码。否则，通知收款终端继续采集待支付用户的人脸图片信息，若超过预设次数，一直无法匹配成功，则说明该待支付用户无法通过验证，从而无法进行支付，保证了用户的银行卡的安全性。
在步骤104中，当步骤103中收款服务器确定待支付用户的人脸图片信息与人脸图片库中人脸图片信息匹配，则收款服务器获取待支付用户的支付账户和用户终端号码，并根据该用户终端，向该待支付用户的用户终端发送 第一验证码。该第一验证码可以设置为设定时间内有效，超过该设定时间无法使用，需要重新获取。该设定时间可以依据经验进行设定，如可以设定5分钟。
上述收款服务器向待支付用户的用户终端发送第一验证码的过程，可以是向待支付用户的用户终端发送支付确认短信，该支付确认短信中包括第一验证码，具体如图2a所示。同时用户还可以对该支付确认短信进行管理，如可以对该支付确认短信进行删除，避免信息泄露，具体如图2b所示。
上述收款服务器向待支付用户的用户终端发送第一验证码的过程，也可以是向待支付用户的用户终端中的应用程序推送第一验证码。如图3a所示，用户可以预先在用户终端中安装支付管理的应用程序。打开该应用程序后，如图3b所示，可以看到推送的第一验证码，该第一验证码是在待支付用户的人脸图片信息匹配成功之后推送的。
在步骤105中，在收款服务器向待支付用户发送第一验证码之后，用户会查看验证码，并将查看的验证码进行输入，即收款终端可以获取该待支付用户输入的第二验证码，收款终端将该第二验证码发送给收款服务器，收款服务器接收该收款终端发送的待支付用户输入的第二验证码。
在步骤106中，收款服务器判断待支付用户输入的第二验证码是否与步骤104中第一验证码一致，若一致，则可以确认待支付用户的身份，进一步的验证了待支付用户的身份，保证了银行卡信息的安全性。否则需要通知收款终端继续获取待支付用户输入的第二验证码，若获取预定次数的第二验证码之后还没有确定一致，则确定无法进行支付。
在步骤107中，在步骤106中收款服务器确定第二验证码与向与第一验证码一致之后，收款服务器向待支付用户的支付账户对应的账户管理方发送支付通知以完成支付，该支付通知中包括所述待支付的支付额和所述待支付用户的支付账户。
上述实施例表明，收款服务器接收收款终端发送的支付请求，收款服务器接收收款终端自动采集的待支付用户的人脸图片信息，收款服务器确定待 支付用户的人脸图片信息与人脸图片库中的人脸图片信息是否匹配；若匹配，则收款服务器获取待支付用户的支付账号和用户终端号码，并根据用户终端号码，向待支付用户的用户终端发送第一验证码，收款服务器接收收款终端发送的待支付用户输入的第二验证码，收款服务器判断第二验证码与第一验证码是否一致，若一致，则收款服务器向待支付用户的支付账户对应的账户管理方发送支付通知以完成支付。通过人脸识别和验证码的双重验证，可以确认用户支付的安全性，在人脸图片信息验证之后，又进行验证码验证，避免了在人脸识别出现误差的情况下进一步加强支付的安全性。只需要人脸识别和输入验证码，不用进行繁琐的刷卡和输入密码，提高了便利性，增加了用户的体验感。
基于相同的技术构思，图4示出了一种支付方法的流程，该流程可以由支付装置执行。
如图4所示，该流程具体包括：
步骤401，所述收款服务器接收待支付用户的用户终端发送的验证码请求，并根据所述验证码请求向所述待支付用户的用户终端发送第一验证码。
步骤402，所述收款服务器接收收款终端自动采集的待支付用户的人脸图片信息。
步骤403，所述收款服务器确定所述待支付用户的人脸图片信息与人脸图片库中的人脸图片信息是否匹配，若是，则转入步骤404，若否，转入步骤402。
步骤404，所述收款服务器获取所述待支付用户的支付账户和待支付的支付额。
步骤405，所述收款服务器接收所述收款终端发送的待支付用户输入的第二验证码。
步骤406，所述收款服务器判断所述第二验证码与所述第一验证码是否一致，若是，则转入步骤407，若否，则转入步骤405。
步骤407，所述收款服务器向所述待支付用户的支付账户对应的账户管理 方发送支付通知以完成支付。
在步骤401之前，用户通过用户终端上的应用程序进行注册，收款服务器接收该用户终端发送的用户注册信息。该用户注册信息包括包括用户ID、与用户ID绑定的支付账户、与用户ID绑定的用户终端号码以及用户的N组人脸图片信息，然后收款服务器将用户注册信息进行存储。用户终端号码用于收款服务器根据该用户终端号码向该用户终端发送第一验证码。N组人脸图片信息用于与采集的待支付用户的人脸图片信息进行匹配。N大于等于1。
在步骤401中，待支付用户在购物完成后，打开用户终端内的应用程序，向收款服务器发送验证码请求，用于请求收款服务器发送验证码。收款服务器接收该待支付用户的用户终端发送的验证码请求，并根据该验证码请求，向该待支付用户的用户终端返回第一验证码。该第一验证码可以设置为设定时间内有效，超过该设定时间无法使用，需要重新获取。该设定时间可以依据经验进行设定，如可以设定5分钟。收银员在扫描用户需要购买的物品，收款终端提交支付请求，该支付请求中可以包括待支付的支付额，该待支付的支付额用于支付时从需要在用户的银行卡中扣除的金额。
在步骤402中，用户终端接收到收款服务器返回的第一验证码之后，收款终端需要对待支付用户的人脸进行自动采集，自动采集到待支付用户的人脸图片信息，该待支付用户的人脸图片信息可以用于进行人脸识别。该待支付用户的人脸图片信息可以通过摄像头或其他的人脸图片信息采集设备进行自动采集。收款终端将自动采集的待支付用户的人脸图片信息发送给收款服务器，收款服务器接收该收款终端自动采集的待支付用户的人脸图片信息。
在步骤403中，当收款服务器接收到收款终端自动采集的待支付用户的人脸图片信息之后，将该待支付用户的人脸图片信息与人脸图片库中的人脸图片信息进行匹配。若待支付用户的人脸图片信息与人脸图片库中的人脸图片信息匹配成功，则确认待支付用户的身份，收款服务器可以获取待支付用户的支付账户和用户终端号码。否则，通知收款终端继续采集待支付用户的人脸图片信息，若超过预设次数，一直无法匹配成功，则说明该待支付用户 无法通过验证，从而无法进行支付，保证了用户的银行卡的安全性。
在步骤404中，当步骤403中收款服务器确定待支付用户的人脸图片信息与人脸图片库中人脸图片信息匹配，则收款服务器获取待支付用户绑定的支付账户和待支付的支付额，并指示收款终端向用户提示需要输入验证码。
在步骤405中，待支付用户根据用户终端接收到的第一验证码，在收款终端即POS机处，输入第二验证码。收款终端将该待支付用户输入的第二验证码发送给收款服务器，收款服务器接收收款终端发送的待支付用户输入的第二验证码。
在步骤406中，收款服务器判断待支付用户输入的第二验证码是否与第一验证码一致，若一致，则可以确认待支付用户的身份，进一步的验证了待支付用户的身份，保证了银行卡信息的安全性。否则需要通知收款终端继续获取待支付用户输入的第二验证码，若获取预定次数的第二验证码之后还没有确定一致，则确定无法进行支付。
在步骤407中，在步骤406中收款服务器确定第二验证码与向与第一验证码一致之后，收款服务器向待支付用户的支付账户对应的账户管理方发送支付通知以完成支付，该支付通知中包括所述待支付的支付额和所述待支付用户的支付账户。
为了更好的解释本发明实施例，下面将在具体的实施场景下描述支付的流程。
场景一，支付验证码是通过短息的形式发送至手机上的。
首先，需要进行超市会员的办理。用户通过超市的收款终端输入姓名、手机号等信息，并采集人脸图片信息，送入后台系统进行加密存储，建立会员档案。然后，收款终端绑定银行卡信息，刷卡输入密码，通过安全通讯方式送到收款服务器并提交发卡银行进行验证，完成银行卡信息的绑定。
在购物消费过程中，用户选购商品后，到收款终端进行支付，收银员扫描商品并提交支付请求，收款终端自动采集用户人脸图片信息，并将自动采集的人脸图片信息送入收款服务器进行比对，在确认用户身份后，收款服务 器随机生成支付验证码，并向用户的手机发送短信，短信中包括支付验证码和交易金额等信息。用户收到短信，确认后，在收款终端上输入验证码，收款终端将该输入的验证码送入到收款服务器进行验证，收款服务器对该验证码验证通过后，通知银行卡的发卡银行进行扣款完成交易。
场景二、支付验证码是向用户的手机应用程序推送的。
首先，用户需要下载手机支付管理的应用程序，通过手机中的应用程序注册超市会员，并验证手机号，建立会员档案，生成用户ID。然后，到超市的收款终端处进行人脸图片的采集，与用户ID进行绑定，并通过安全通讯方式送入后台进行加密存储。最后，收款终端绑定银行卡信息，刷卡输入密码，通过安全通讯方式送到后台并提交发送卡银行进行验证，完成银行卡信息的绑定。
在购物消费过程中，用户选购商品后，打开手机中的应用程序，向收款服务器请求获取随机验证码，在收到收款服务器发送的随机验证码之后，到收款终端前进行支付，收银员扫描商品并提交支付请求，收款终端自动采集用户人脸图片信息，并将自动采集的人脸图片信息送入收款服务器进行比对，在确认用户身份后，用户在收款终端上输入验证码，收款终端将该输入的验证码送入收款服务器进行验证，收款服务器对该验证码验证通过后完成交易。
基于相同的技术构思，图5示出了本发明实施例提供的一种支付装置的结构，该装置可以执行支付的流程。
如图5所示，该装置具体包括：
第一接收单元501，用于接收收款终端发送的支付请求，所述支付请求包括待支付的支付额；
第二接收单元502，用于接收所述收款终端自动采集的待支付用户的人脸图片信息；
确定单元503，用于确定所述待支付用户的人脸图片信息与人脸图片库中人脸图片信息是否匹配；
发送单元504，用于若所述待支付用户的人脸图片信息与人脸图片库中人 脸图片信息匹配，则获取所述待支付用户的支付账号和用户终端号码，并根据所述用户终端号码，向所述待支付用户的用户终端发送第一验证码；
第三接收单元505，用于接收所述收款终端发送的待支付用户输入的第二验证码；
判断单元506，用于判断所述第二验证码与所述第一验证码是否一致；
支付单元507，用于向所述待支付用户的支付账户对应的账户管理方发送支付通知以完成支付，所述支付通知中包括所述待支付的支付额和所述待支付用户的支付账户。
优选地，所述发送单元504具体用于：
向所述待支付用户的用户终端发送支付确认短信，所述支付确认短信中包括所述第一验证码；或
向所述待支付用户的用户终端中的应用程序推送所述第一验证码。
优选地，还包括：第四接收单元(图中未示出)和存储单元(图中未示出)；
在接收收款终端发送的支付请求之前，接收用户注册信息，所述注册信息中包括用户ID、与用户ID绑定的支付账户、与用户ID绑定的用户终端号码以及用户的N组人脸图片信息，N大于等于1；
所述存储单元具体用于将所述用户的注册信息进行存储。
基于相同的技术构思，图6示出了本发明实施例提供的一种支付装置，该装置可以执行支付的流程。
如图6所示，该装置具体包括：
第一接收单元601，用于接收待支付用户的用户终端发送的验证码请求，并根据所述验证码请求向所述待支付用户的用户终端发送第一验证码；
第二接收单元602，用于接收收款终端自动采集的待支付用户的人脸图片信息；
确定单元603，用于确定所述待支付用户的人脸图片信息与人脸图片库中的人脸图片信息是否匹配；
获取单元604，用于所述待支付用户的人脸图片信息与人脸图片库中人脸图片信息匹配，则获取所述待支付用户的支付账户和待支付的支付额；
第三接收单元605，用于接收所述收款终端发送的待支付用户输入的第二验证码；
判断单元606，用于判断所述第二验证码与所述第一验证码是否一致；
支付单元607，用于向所述待支付用户的支付账户对应的账户管理方发送支付通知以完成支付，所述支付通知中包括所述待支付的支付额和所述待支付用户的支付账户。
基于相同的技术构思，本发明实施例提供一种支付设备。至少一个处理器；以及，与所述至少一个处理器通信连接的存储器；所述存储器存储有可被所述至少一个处理器执行的指令，所述指令被所述至少一个处理器执行，以使所述至少一个处理器能够执行上述实施例中的支付方法。
以一个处理器为例，图7为本发明实施例提供的支付设备的结构，该支付设备700包括：收发器701、处理器702、存储器703和总线系统704；
其中，存储器703，用于存放程序。具体地，程序可以包括程序代码，程序代码包括计算机操作指令。存储器703可能为随机存取存储器(random access memory，简称RAM)，也可能为非易失性存储器(non-volatile memory)，例如至少一个磁盘存储器。图中仅示出了一个存储器，当然，存储器也可以根据需要，设置为多个。存储器703也可以是处理器702中的存储器。
存储器703存储了如下的元素，可执行模块或者数据结构，或者它们的子集，或者它们的扩展集：
操作指令：包括各种操作指令，用于实现各种操作。
操作系统：包括各种系统程序，用于实现各种基础业务以及处理基于硬件的任务。
上述本发明实施例支付方法可以应用于处理器702中，或者说由处理器702实现。处理器702可能是一种集成电路芯片，具有信号的处理能力。在实现过程中，上述支付方法的各步骤可以通过处理器702中的硬件的集成逻辑 电路或者软件形式的指令完成。上述的处理器702可以是通用处理器、数字信号处理器(DSP)、专用集成电路(ASIC)、现场可编程门阵列(FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件。可以实现或者执行本申请实施例中的公开的各方法、步骤及逻辑框图。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等。结合本发明实施例所公开的方法的步骤可以直接体现为硬件译码处理器执行完成，或者用译码处理器中的硬件及软件模块组合执行完成。软件模块可以位于随机存储器，闪存、只读存储器，可编程只读存储器或者电可擦写可编程存储器、寄存器等本领域成熟的存储介质中。该存储介质位于存储器703，处理器702读取存储器703中的信息，结合其硬件执行以下步骤：
所述收发器701，用于接收收款终端发送的支付请求，所述支付请求包括待支付的支付额；接收所述收款终端自动采集的待支付用户的人脸图片信息；
所述处理器702，用于确定所述待支付用户的人脸图片信息与人脸图片库中人脸图片信息是否匹配；
所述收发器701，还用于若所述待支付用户的人脸图片信息与人脸图片库中人脸图片信息匹配，则获取所述待支付用户的支付账号和用户终端号码，并根据所述用户终端号码，向所述待支付用户的用户终端发送第一验证码；接收所述收款终端发送的待支付用户输入的第二验证码；
所述处理器702，还用于判断所述第二验证码与所述第一验证码是否一致；向所述待支付用户的支付账户对应的账户管理方发送支付通知以完成支付，所述支付通知中包括所述待支付的支付额和所述待支付用户的支付账户。
较佳地，所述收发器701具体用于：
向所述待支付用户的用户终端发送支付确认短信，所述支付确认短信中包括所述第一验证码；或
向所述待支付用户的用户终端中的应用程序推送所述第一验证码。
较佳地，所述收发器701还用于在接收收款终端发送的支付请求之前，接收用户注册信息，所述注册信息中包括用户ID、与用户ID绑定的支付账户、 与用户ID绑定的用户终端号码以及用户的N组人脸图片信息，N大于等于1；
所述存储器703，用于将所述用户的注册信息进行存储。
基于相同的技术构思，本发明实施例提供一种支付设备。至少一个处理器；以及，与所述至少一个处理器通信连接的存储器；所述存储器存储有可被所述至少一个处理器执行的指令，所述指令被所述至少一个处理器执行，以使所述至少一个处理器能够执行上述实施例中的支付方法。
以一个处理器为例，图8为本发明实施例提供的支付设备的结构，该支付设备800包括：收发器801、处理器802、存储器803和总线系统804；
其中，存储器803，用于存放程序。具体地，程序可以包括程序代码，程序代码包括计算机操作指令。存储器803可能为随机存取存储器(random access memory，简称RAM)，也可能为非易失性存储器(non-volatile memory)，例如至少一个磁盘存储器。图中仅示出了一个存储器，当然，存储器也可以根据需要，设置为多个。存储器803也可以是处理器802中的存储器。
存储器803存储了如下的元素，可执行模块或者数据结构，或者它们的子集，或者它们的扩展集：
操作指令：包括各种操作指令，用于实现各种操作。
操作系统：包括各种系统程序，用于实现各种基础业务以及处理基于硬件的任务。
上述本发明实施例支付方法可以应用于处理器802中，或者说由处理器802实现。处理器802可能是一种集成电路芯片，具有信号的处理能力。在实现过程中，上述支付方法的各步骤可以通过处理器802中的硬件的集成逻辑电路或者软件形式的指令完成。上述的处理器802可以是通用处理器、数字信号处理器(DSP)、专用集成电路(ASIC)、现场可编程门阵列(FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件。可以实现或者执行本申请实施例中的公开的各方法、步骤及逻辑框图。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等。结合本发明实施例所公开的方法的步骤可以直接体现为硬件译码处理器执行完成，或者 用译码处理器中的硬件及软件模块组合执行完成。软件模块可以位于随机存储器，闪存、只读存储器，可编程只读存储器或者电可擦写可编程存储器、寄存器等本领域成熟的存储介质中。该存储介质位于存储器803，处理器802读取存储器803中的信息，结合其硬件执行以下步骤：
所述收发器801，用于接收待支付用户的用户终端发送的验证码请求，并根据所述验证码请求向所述待支付用户的用户终端发送第一验证码；接收收款终端自动采集的待支付用户的人脸图片信息；
所述处理器802，用于确定所述待支付用户的人脸图片信息与人脸图片库中的人脸图片信息是否匹配；
所述收发器801，还用于若所述待支付用户的人脸图片信息与人脸图片库中人脸图片信息匹配，则获取所述待支付用户的支付账户和待支付的支付额；接收所述收款终端发送的待支付用户输入的第二验证码；
所述处理器802，还用于判断所述第二验证码与所述第一验证码是否一致；向所述待支付用户的支付账户对应的账户管理方发送支付通知以完成支付，所述支付通知中包括所述待支付的支付额和所述待支付用户的支付账户。
本领域技术人员可以理解实现上述实施例方法中的全部或部分步骤是可以通过程序来指令相关的硬件来完成，该程序存储在一个存储介质中，包括若干指令用以使得一个设备(可以是单片机，芯片等)或处理器(processor)执行本申请各个实施例方法的全部或部分步骤。而前述的存储介质包括：U盘、移动硬盘、只读存储器(ROM，Read-Only Memory)、随机存取存储器(RAM，Random Access Memory)、磁碟或者光盘等各种可以存储程序代码的介质。
另外，本发明还提供一种非暂态计算机可读存储介质，所述非暂态计算机可读存储介质存储计算机指令，所述计算机指令用于使所述计算机执行上述任一项所述的支付方法。
另外，本发明还提供一种计算机程序产品，所述计算机程序产品包括存 储在非暂态计算机可读存储介质上的计算程序，所述计算机程序包括程序指令，当所述程序指令被计算机执行时，使所述计算机执行上述任一项所述的支付方法。
本申请是参照根据本申请实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
尽管已描述了本申请的优选实施例，但本领域内的技术人员一旦得知了基本创造性概念，则可对这些实施例作出另外的变更和修改。所以，所附权利要求意欲解释为包括优选实施例以及落入本申请范围的所有变更和修改。
显然，本领域的技术人员可以对本申请进行各种改动和变型而不脱离本申请的精神和范围。这样，倘若本申请的这些修改和变型属于本申请权利要求及其等同技术的范围之内，则本申请也意图包含这些改动和变型在内。

Claims (14)

  1. 一种支付方法，其特征在于，包括：
    收款服务器接收收款终端发送的支付请求，所述支付请求包括待支付的支付额；
    所述收款服务器接收所述收款终端自动采集的待支付用户的人脸图片信息；
    所述收款服务器确定所述待支付用户的人脸图片信息与人脸图片库中的人脸图片信息是否匹配；
    若匹配，则所述收款服务器获取所述待支付用户的支付账号和用户终端号码，并根据所述用户终端号码，向所述待支付用户的用户终端发送第一验证码；
    所述收款服务器接收所述收款终端发送的待支付用户输入的第二验证码；
    所述收款服务器判断所述第二验证码与所述第一验证码是否一致；
    若一致，则所述收款服务器向所述待支付用户的支付账户对应的账户管理方发送支付通知以完成支付，所述支付通知中包括所述待支付的支付额和所述待支付用户的支付账户。
  2. 如权利要求1所述的方法，其特征在于，所述收款服务器向所述待支付用户的用户终端发送第一验证码，包括：
    所述收款服务器向所述待支付用户的用户终端发送支付确认短信，所述支付确认短信中包括所述第一验证码；或
    所述收款服务器向所述待支付用户的用户终端中的应用程序推送所述第一验证码。
  3. 如权利要求1所述的方法，其特征在于，在收款服务器接收收款终端发送的支付请求之前，还包括：
    所述收款服务器接收用户注册信息，所述注册信息中包括用户ID、与用 户ID绑定的支付账户、与用户ID绑定的用户终端号码以及用户的N组人脸图片信息，N大于等于1；
    所述收款服务器将所述用户的注册信息进行存储。
  4. 一种支付方法，其特征在于，包括：
    所述收款服务器接收待支付用户的用户终端发送的验证码请求，并根据所述验证码请求向所述待支付用户的用户终端发送第一验证码；
    所述收款服务器接收收款终端自动采集的待支付用户的人脸图片信息；
    所述收款服务器确定所述待支付用户的人脸图片信息与人脸图片库中的人脸图片信息是否匹配；
    若匹配成功，则所述收款服务器获取所述待支付用户的支付账户和待支付的支付额；
    所述收款服务器接收所述收款终端发送的待支付用户输入的第二验证码；
    所述收款服务器判断所述第二验证码与所述第一验证码是否一致；
    若一致，则所述收款服务器向所述待支付用户的支付账户对应的账户管理方发送支付通知以完成支付，所述支付通知中包括所述待支付的支付额和所述待支付用户的支付账户。
  5. 一种支付装置，其特征在于，包括：
    第一接收单元，用于接收收款终端发送的支付请求，所述支付请求包括待支付的支付额；
    第二接收单元，用于接收所述收款终端自动采集的待支付用户的人脸图片信息；
    确定单元，用于确定所述待支付用户的人脸图片信息与人脸图片库中人脸图片信息是否匹配；
    发送单元，用于若所述待支付用户的人脸图片信息与人脸图片库中人脸图片信息匹配，则获取所述待支付用户的支付账号和用户终端号码，并根据所述用户终端号码，向所述待支付用户的用户终端发送第一验证码；
    第三接收单元，用于接收所述收款终端发送的待支付用户输入的第二验证码；
    判断单元，用于判断所述第二验证码与所述第一验证码是否一致；
    支付单元，用于向所述待支付用户的支付账户对应的账户管理方发送支付通知以完成支付，所述支付通知中包括所述待支付的支付额和所述待支付用户的支付账户。
  6. 如权利要求5所述的装置，其特征在于，所述发送单元具体用于：
    向所述待支付用户的用户终端发送支付确认短信，所述支付确认短信中包括所述第一验证码；或
    向所述待支付用户的用户终端中的应用程序推送所述第一验证码。
  7. 如权利要求5所述的装置，其特征在于，还包括：第四接收单元和存储单元；
    在接收收款终端发送的支付请求之前，接收用户注册信息，所述注册信息中包括用户ID、与用户ID绑定的支付账户、与用户ID绑定的用户终端号码以及用户的N组人脸图片信息，N大于等于1；
    所述存储单元具体用于将所述用户的注册信息进行存储。
  8. 一种支付装置，其特征在于，包括：
    第一接收单元，用于接收待支付用户的用户终端发送的验证码请求，并根据所述验证码请求向所述待支付用户的用户终端发送第一验证码；
    第二接收单元，用于接收收款终端自动采集的待支付用户的人脸图片信息；
    确定单元，用于确定所述待支付用户的人脸图片信息与人脸图片库中的人脸图片信息是否匹配；
    获取单元，用于若所述待支付用户的人脸图片信息与人脸图片库中人脸图片信息匹配，则获取所述待支付用户的支付账户和待支付的支付额；
    第三接收单元，用于接收所述收款终端发送的待支付用户输入的第二验证码；
    判断单元，用于判断所述第二验证码与所述第一验证码是否一致；
    支付单元，用于向所述待支付用户的支付账户对应的账户管理方发送支付通知以完成支付，所述支付通知中包括所述待支付的支付额和所述待支付用户的支付账户。
  9. 一种支付设备，其特征在于，包括：
    至少一个处理器；以及，
    与所述至少一个处理器通信连接的存储器；其中，
    所述存储器存储有可被所述至少一个处理器执行的指令，所述指令被所述至少一个处理器执行，以使所述至少一个处理器能够执行权利要求1-3任一所述支付方法。
  10. 一种支付设备，其特征在于，包括：
    至少一个处理器；以及，
    与所述至少一个处理器通信连接的存储器；其中，
    所述存储器存储有可被所述至少一个处理器执行的指令，所述指令被所述至少一个处理器执行，以使所述至少一个处理器能够执行权利要求4所述支付方法。
  11. 一种非暂态计算机可读存储介质，其特征在于，所述非暂态计算机可读存储介质存储计算机指令，所述计算机指令用于使所述计算机执行权利要求1-3任一所述支付方法。
  12. 一种非暂态计算机可读存储介质，其特征在于，所述非暂态计算机可读存储介质存储计算机指令，所述计算机指令用于使所述计算机执行权利要求4所述支付方法。
  13. 一种计算机程序产品，其特征在于，所述计算机程序产品包括存储在非暂态计算机可读存储介质上的计算程序，所述计算机程序包括程序指令，当所述程序指令被计算机执行时，使所述计算机执行权利要求1-3任一所述支付方法。
  14. 一种计算机程序产品，其特征在于，所述计算机程序产品包括存储 在非暂态计算机可读存储介质上的计算程序，所述计算机程序包括程序指令，当所述程序指令被计算机执行时，使所述计算机执行权利要求4所述支付方法。
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CN110189133A (zh) * 2019-05-10 2019-08-30 中国银联股份有限公司 一种支付系统
CN110599187A (zh) * 2019-08-30 2019-12-20 广东智慧电子信息产业股份有限公司 一种基于人脸识别的支付方法、装置、计算机设备和存储介质
CN110738500A (zh) * 2019-09-29 2020-01-31 湖北三六五优米网络有限公司 无感刷脸支付系统、方法、服务器及介质
CN110827031A (zh) * 2019-09-23 2020-02-21 深圳供电局有限公司 一种人脸识别缴费方法及系统
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