WO2017148258A1

WO2017148258A1 - Payment method, device, and apparatus

Info

Publication number: WO2017148258A1
Application number: PCT/CN2017/073494
Authority: WO
Inventors: 才华
Original assignee: 中国银联股份有限公司
Priority date: 2016-02-29
Filing date: 2017-02-14
Publication date: 2017-09-08
Also published as: TW201732707A; CN105930765A

Abstract

A payment method, device, and apparatus, the method comprising: a fee collecting server receiving a payment request from a fee collecting terminal (101); the fee collecting server receiving facial image information of a user making a payment from a fee collecting terminal (102); determining whether the facial image information of the user making the payment matches facial image information in a facial image database (103); if the informations match, then sending a first verification code to a user terminal of the user making the payment (104); receiving a second verification code entered by the user making the payment (105); determining whether the second verification code and the first verification code are consistent (106); and if the codes are consistent, then sending a payment notification to an account manager corresponding to a payment account of the user making the payment to complete the payment (107). The invention uses double verification of facial recognition and verification codes to ensure the security of a user payment. After verifying facial information, a verification code is used for verification to address an issue of facial recognition errors and to strengthen payment security. The method requires only facial recognition and entering of a verification code, and dispenses with complex card swiping and password entry actions to improve convenience and enhance user experience.

Description

Payment method, device and device

This application claims the priority of the Chinese Patent Application entitled "A Payment Method and Apparatus" by the Intellectual Property Office of the People's Republic of China, Application No. 201610112979.0, dated February 29, 2016, the entire contents of which are incorporated herein by reference. In the application.

Technical field

The present invention relates to the field of payment authentication technologies, and in particular, to a payment method, device, and device.

Background technique

When users shop in large-scale member supermarkets, most of them use cash payment or traditional bank card to pay for the password.

If you need a large amount of payment when shopping, it is not convenient to use cash payment. Users need to carry a lot of cash, which will bring certain security risks. The use of a bank card for credit card input password payment requires a bank card to be used, which is inconvenient to use, and has a hidden danger of leaking the bank card password.

Therefore, there is a need for a payment method to solve the problem of password leakage caused by swiping a card and inputting a password during the payment process.

Summary of the invention

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.

In a first aspect, 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;

Receiving, by the collection server, face image information of the user to be paid automatically collected by the collection terminal;

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;

If the matching, 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;

Receiving, by the collection server, a second verification code input by the user of the payment to be paid by the payment receiving terminal;

The payment server determines whether the second verification code is consistent with the first verification code;

If the payment is consistent, the payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment notification includes the payment amount to be paid and the user to be paid Payment account.

Preferably, the payment server sends the first verification code to the terminal to which the user to be paid is bound, including:

The payment server sends a payment confirmation message to the user terminal of the user to be paid, and the payment confirmation message includes the first verification code; or

The payment server pushes the first verification code to an application in a user terminal of the user to be paid.

Preferably, 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.

In a second aspect, an embodiment of the present invention further provides a payment method, including:

Receiving, by the payment server, a verification code request sent by the user terminal of the user to be paid, and sending a first verification code to the user terminal of the user to be paid according to the verification code request;

Receiving, by the collection server, face image information of the user to be paid automatically collected by the payment terminal;

The payment server determines whether the face image information of the user to be paid matches the face image information in the face image library;

If the matching is successful, the payment server acquires the payment account of the user to be paid and the payment amount to be paid;

In a third aspect, 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;

And 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.

Preferably, the sending unit is specifically configured to:

Sending a payment confirmation message to the user terminal of the user to be paid, wherein the payment confirmation message includes the first verification code; or

Pushing the first verification code to an application in the user terminal of the user to be paid.

Preferably, the method further includes: a fourth receiving unit and a storage unit;

Before receiving the payment request sent by the payment terminal, receiving user registration information, where the registration information includes a user ID, a payment account bound to the user ID, 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.

In a fourth aspect, 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;

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;

In a fifth aspect, an embodiment of the present invention provides a payment device, including:

At least one processor; and,

a memory communicatively coupled to the at least one processor; wherein

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.

In a sixth aspect, an embodiment of the present invention provides a payment device, including:

At least one processor; and,

a memory communicatively coupled to the at least one processor; wherein

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.

In a seventh aspect, 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.

In an eighth aspect, 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.

In a ninth aspect, 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.

In a tenth aspect, 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. corresponding The account manager sends a payment notification to complete the payment. Through the double verification of face recognition and verification code, the security of user payment can be confirmed. After face image information verification, 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.

DRAWINGS

The one or more embodiments are exemplified by the accompanying drawings in the accompanying drawings, and FIG. The figures in the drawings do not constitute a scale limitation unless otherwise stated.

1 is a schematic flowchart of a payment method according to an embodiment of the present invention;

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;

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.

detailed description

The present invention will be further described in detail below with reference to the specific embodiments thereof and the accompanying drawings. It is to be understood that the description is not intended to limit the scope of the invention. In addition, descriptions of well-known structures and techniques are omitted in the following description in order to avoid unnecessarily obscuring the inventive concept.

In the 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. Then 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.

Based on the above description, FIG. 1 shows a flow of a payment method that can be executed by a payment device.

As shown in Figure 1, 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.

Before step 101, the user registers at the collection terminal of the supermarket and can receive the user registration information. The user registration information includes a user ID and a payment account bound to the user ID, a user terminal number, and N sets of face 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.

In 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. The amount to be deducted from the user's bank card.

In 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.

In step 103, after the payment server receives the face image information of the user to be paid automatically collected by the payment terminal, the face image information of the user to be paid 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.

In 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. . At the same time, the user can also manage the payment confirmation message, for example, the payment confirmation message can be deleted to avoid information leakage, as shown in FIG. 2b.

The process of sending the first verification code to the user terminal of the user to be paid by the payment server, or pushing the first verification code to the application in the user terminal of the user to be paid. As shown in FIG. 3a, the user can install 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.

In step 105, after the payment server sends the first verification code to the user to be paid, the user checks the verification code and inputs the verification code, that is, the payment terminal can obtain the second 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.

In step 106, the payment server determines whether the second verification code input by the user to be paid is consistent with the first verification code in step 104. If they are consistent, the identity of the user to be paid can be confirmed, and the 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.

In step 107, after the payment server determines in step 106 that the second verification code is consistent with the first verification code, the payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment. The payment notice includes the payment amount to be paid and the payment account of the user to be paid.

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, and 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. Through the double verification of face recognition and verification code, the security of user payment can be confirmed. After face image information verification, 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.

Based on the same technical concept, FIG. 4 shows a flow of a payment method that can be executed by a payment device.

As shown in FIG. 4, 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.

Before step 401, the user registers with the application on the user terminal, and the payment server receives the user registration information sent by the user terminal. The user registration information includes a user ID, a payment account bound to the user ID, a user terminal number bound to the user ID, and 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.

In step 401, after the purchase is completed, the user to be paid opens the application in the user terminal, and sends a verification code request to the 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. .

In step 402, after the user terminal receives the first verification code returned by the payment server, the payment terminal needs to automatically collect the face of the user to be paid, and automatically collect the face image information of the user to be paid, the 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.

In step 403, after the payment server receives the face image information of the user to be paid automatically collected by the payment terminal, the face image information of the user to be paid 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.

In step 404, when the payment server determines in step 403 that the face image information of the user to be paid matches the face image information in the face image library, the payment server 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.

In step 405, the user to be paid inputs a second verification code at the receiving terminal, that is, the POS machine, according to the first verification code received by the user terminal. The payment terminal 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.

In step 406, the payment server determines whether the second verification code input by the user to be paid is consistent with the first verification code. If they are consistent, the identity of the user to be paid can be confirmed, and the identity of the user to be paid is further verified. The security of bank card information. Otherwise, the payment terminal needs to be notified to continue to obtain the second verification code input by the user to be paid. If the second verification code is obtained after the predetermined number of times, the payment is determined.

In step 407, after the payment server determines in step 406 that the second verification code is consistent with the first verification code, the payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment. The payment notice includes the payment amount to be paid and the payment account of the user to be paid.

In order to better explain the embodiments of the present invention, the flow of payment will be described below in a specific implementation scenario.

In scenario 1, the payment verification code is sent to the mobile phone in the form of a short message.

First of all, you need to handle the supermarket members. The user inputs information such as name and mobile phone number through the receiving terminal of the supermarket, collects facial image information, and sends it to the background system for encrypted storage to establish a member file. Then, the payment terminal binds the bank card information, swipes the password, sends the password to the receiving server through secure communication, and submits the card issuing bank for verification, and completes the binding of the bank card information.

In the process of shopping and consumption, after the user purchases the goods, the payment is made to the collection terminal, the cashier scans the goods and submits the payment request, and the collection terminal automatically collects the user face image information, and sends the automatically collected face image information. 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. After receiving the short message, 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.

Scenario 2, the payment verification code is pushed to the user's mobile application.

First, the user needs to download the mobile payment management application, register the supermarket member through the application in the mobile phone, verify the mobile phone number, create a member profile, and generate a user ID. Then, the face image is collected at the collection terminal of the supermarket, bound with the user ID, and sent to the background for secure storage through secure communication. Finally, the payment terminal binds the bank card information, swipes the password, sends it to the background through secure communication, and submits it to the sending card bank for verification, and completes the binding of the bank card information.

In the process of shopping and consumption, after the user purchases the product, the application in the mobile phone is opened, and the random verification code is requested from the receiving server, and after receiving the random verification code sent by the receiving server, the payment 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. After confirming the user identity, 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.

Based on the same technical concept, FIG. 5 shows a structure of a payment apparatus provided by an embodiment of the present invention, which can execute a payment process.

As shown in FIG. 5, the device specifically includes:

The first receiving unit 501 is configured to receive a payment request sent by the payment terminal, where the payment request includes a payment amount to be paid;

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.

Preferably, the sending unit 504 is specifically configured to:

Preferably, the method further includes: a fourth receiving unit (not shown) and a storage unit (not shown);

Based on the same technical concept, FIG. 6 shows a payment device provided by an embodiment of the present invention, which can execute a payment process.

As shown in FIG. 6, 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.

Based on the same technical concept, 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.

Taking a processor as an example, 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. In particular, 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.

The payment method of the embodiment of the present invention described above may be applied to the processor 702 or implemented by the processor 702. 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. The methods, steps, and logical block diagrams disclosed in the embodiments of the present application can be implemented or executed. 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.

Preferably, the transceiver 701 is specifically configured to:

Preferably, 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.

Taking a processor as an example, 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. In particular, 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:

The payment method of the embodiment of the present invention described above may be applied to the processor 802 or implemented by the processor 802. 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. The methods, steps, and logical block diagrams disclosed in the embodiments of the present application can be implemented or executed. 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.

Those skilled in the art can understand that all or part of the steps of implementing the above embodiments may be completed by a program instructing related hardware, and the program is stored in a storage medium, and includes a plurality of instructions for making a device (which may be a single chip microcomputer). The chip, etc. or processor executes all or part of the steps of the various embodiments of the present application. 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. .

Additionally, 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.

In addition, 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 present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (system), and computer program products according to embodiments of the present application. It will be understood that each flow and/or block of the flowchart illustrations and/or FIG. These computer program instructions can be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing device to produce a machine for the execution of instructions for execution by a processor of a computer or other programmable data processing device. Means for implementing the functions specified in one or more of the flow or in a block or blocks of the flow chart.

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.

While the preferred embodiment of the present application has been described, it will be apparent that those skilled in the art can make further changes and modifications to the embodiments. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and the modifications and

It will be apparent to those skilled in the art that various modifications and changes can be made in the present application without departing from the spirit and scope of the application. Thus, it is intended that the present invention cover the modifications and variations of the present invention.

Claims

A payment method, comprising:

The payment server receives a payment request sent by the payment terminal, and the payment request includes a payment amount to be paid;

Receiving, by the collection server, face image information of the user to be paid automatically collected by the collection terminal;

The payment server determines whether the face image information of the user to be paid matches the face image information in the face image library;

If the matching, 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;

Receiving, by the collection server, a second verification code input by the user of the payment to be paid by the payment receiving terminal;

The payment server determines whether the second verification code is consistent with the first verification code;

If the payment is consistent, the payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment notification includes the payment amount to be paid and the user to be paid Payment account.
The method of claim 1, wherein the payment server sends the first verification code to the user terminal of the user to be paid, 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; or

The payment server pushes the first verification code to an application in a user terminal of the user to be paid.
The method of claim 1, wherein before the payment server receives the payment request sent by the payment terminal, the method further comprises:

The payment server receives user registration information, where the registration information includes a user ID and usage The payment account bound to the user ID, the user terminal number bound to the user ID, and the N group face picture information of the user, N is greater than or equal to 1;

The payment server stores the registration information of the user.
A payment method, comprising:

Receiving, by the payment server, a verification code request sent by the user terminal of the user to be paid, and sending a first verification code to the user terminal of the user to be paid according to the verification code request;

Receiving, by the collection server, face image information of the user to be paid automatically collected by the payment terminal;

The payment server determines whether the face image information of the user to be paid matches the face image information in the face image library;

If the matching is successful, the payment server acquires the payment account of the user to be paid and the payment amount to be paid;

Receiving, by the collection server, a second verification code input by the user of the payment to be paid by the payment receiving terminal;

The payment server determines whether the second verification code is consistent with the first verification code;

If the payment is consistent, the payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment notification includes the payment amount to be paid and the user to be paid Payment account.
A payment device, comprising:

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;

And 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 device according to claim 5, wherein the sending unit is specifically configured to:

Sending a payment confirmation message to the user terminal of the user to be paid, wherein the payment confirmation message includes the first verification code; or

Pushing the first verification code to an application in the user terminal of the user to be paid.
The apparatus according to claim 5, further comprising: a fourth receiving unit and a storage unit;

Before receiving the payment request sent by the payment terminal, receiving user registration information, 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.
A payment device, comprising:

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;

And 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.
A payment device, comprising:

At least one processor; and,

a memory communicatively coupled to the at least one processor; wherein

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 any of claims 1-3 .
A payment device, comprising:

At least one processor; and,

a memory communicatively coupled to the at least one processor; wherein

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 claim 4.
A non-transitory computer readable storage medium, wherein the non-transitory computer readable storage medium stores computer instructions for causing the computer to perform the payment of any of claims 1-3 method.
A non-transitory computer readable storage medium, characterized in that the non-transitory computer readable storage medium stores computer instructions for causing the computer to perform the payment method of claim 4.
A 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 instructions are executed by a computer, The computer performs the payment method of any of claims 1-3.
A computer program product, characterized in that the computer program product comprises a storage A computing program 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 claim 4.