WO2020073710A1 - 支付处理方法、装置以及自助结账设备 - Google Patents

支付处理方法、装置以及自助结账设备 Download PDF

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Publication number
WO2020073710A1
WO2020073710A1 PCT/CN2019/096742 CN2019096742W WO2020073710A1 WO 2020073710 A1 WO2020073710 A1 WO 2020073710A1 CN 2019096742 W CN2019096742 W CN 2019096742W WO 2020073710 A1 WO2020073710 A1 WO 2020073710A1
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WO
WIPO (PCT)
Prior art keywords
information
settlement
biometric information
user
payment
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Application number
PCT/CN2019/096742
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English (en)
French (fr)
Inventor
周亮
Original Assignee
阿里巴巴集团控股有限公司
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Publication date
Application filed by 阿里巴巴集团控股有限公司 filed Critical 阿里巴巴集团控股有限公司
Priority to SG11202101759TA priority Critical patent/SG11202101759TA/en
Publication of WO2020073710A1 publication Critical patent/WO2020073710A1/zh
Priority to US17/181,419 priority patent/US11200576B2/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices

Definitions

  • the embodiments of the present specification relate to the field of Internet technologies, and in particular, to a payment processing method, device, and self-checkout device.
  • the self-checkout method can not only improve the efficiency of checkout, save consumers' waiting time, but also save the labor and management costs of the seller. It can be said that the self-checkout method has subverted the retail mode of traditional supermarkets and has a positive significance for creating a new retail mode in the Internet era.
  • Embodiments of this specification provide and provide a payment processing method, device, and self-checkout device.
  • an embodiment of this specification provides a payment processing method, including:
  • biometric information collection If the biometric information collection is successful, a payment account of the settlement user is obtained according to the biometric information.
  • an embodiment of this specification provides a payment processing device, including:
  • the collection module is used to collect the biometric information of the settlement user when receiving the commodity settlement request;
  • the judging module is used to judge whether the biometric information is successfully collected when receiving the payment request;
  • the first obtaining module is configured to obtain the payment account of the settlement user according to the biometric information when the biometric information is successfully collected.
  • an embodiment of the present specification provides a self-checkout device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, when the processor executes the program Steps to implement the above payment processing method.
  • an embodiment of the present specification provides a computer-readable storage medium on which a computer program is stored, and when the program is executed by a processor, the steps of the payment processing method described above are implemented.
  • the biometric information of the settlement user is collected when the commodity settlement request is received, and it is determined whether the biometric information collection is successful when the payment request is received, that is, the biometric information collected by the settlement user during the entry of commodity information
  • the settlement user's biometric information, collecting the settlement user's biometric information and the settlement user's entry of commodity information is performed in parallel, rather than collecting the settlement user's biometric information after the settlement user has entered the commodity information Feature information, thus increasing the processing speed of commodity settlement.
  • FIG. 1 is a schematic diagram of a payment processing application scenario according to an embodiment of this specification
  • FIG. 3 is a schematic diagram of a settlement user inputting a commodity settlement request according to an embodiment of this specification
  • FIG. 5 is a flow chart of the detection processing of each collected settlement operation image according to an embodiment of the present specification
  • FIG. 6 is a schematic diagram showing prompt information of the self-checkout device of the embodiment of the present specification.
  • FIG. 7 is a schematic diagram of a settlement user inputting a payment request according to an embodiment of this specification.
  • FIG. 8 is a schematic diagram showing a payment confirmation interface of the self-checkout device according to an embodiment of the specification.
  • FIG. 9 is a schematic diagram showing a verification information input interface of a self-checkout device according to an embodiment of the present specification.
  • FIG. 10 is a schematic diagram showing a payment method selection interface of a self-checkout device according to an embodiment of the present specification
  • FIG. 11 is a schematic diagram of a circuit structure of a self-checkout device according to an embodiment of the present specification.
  • FIG. 1 is a schematic diagram of a payment processing application scenario according to an embodiment of the present specification.
  • the self-checkout device 100 is located on the user side and communicates with the server 200 on the network side.
  • the self-checkout device 100 may be installed in a shopping place such as a supermarket and used to collect commodity information entered by the settlement user, obtain the total amount that the settlement user needs to pay based on the commodity information entered by the settlement user, and store The consumption amount to be paid is sent to the server 200, and the server 200 deducts the payment account of the settlement user.
  • embodiments of this specification provide a payment processing method.
  • 2 is a flowchart of the payment processing method, the payment processing method includes steps S201 to S203.
  • biometric information may be facial information, iris information, or bone information, etc., which can enable the settlement user to collect biometric information without contact and perception, thereby reducing The operation and understanding costs of the settlement user do not require cooperation and active interaction of the settlement user.
  • the settlement user is a user who performs a settlement operation on the self-checkout device 100. After the purchase of commodities is completed, the settlement user will request settlement of the purchased commodities, that is, the self-checkout device 100 is requested to collect commodity information.
  • the commodity settlement request may be an operation for the settlement user to input the first article number through an input device such as a button or a touch screen provided by the self-checkout device 100, or may be provided by the settlement user through the self-checkout device 100.
  • the operation of scanning the barcode of the first commodity by the barcode scanner may also be other operations that trigger the self-checkout device 100 to collect commodity information, which is not limited in the embodiment of the present invention. As shown in FIG.
  • FIG. 4 is a flowchart of collecting the biometric information, including steps S401 to S403.
  • S401 Trigger the image collection device to perform image collection on the settlement area to obtain a settlement operation image.
  • the image acquisition device may be a 3D camera device, for example, it may be a structured light camera, a binocular camera or a TOF camera.
  • the settlement area may be determined according to the installation position of the image collection device, as long as the settlement user is within the collection range of the image collection device when performing the settlement operation.
  • the image acquisition device is turned on for image acquisition.
  • the image collection of the settlement area may be a photograph of the settlement area to obtain a single or multiple settlement operation images; or it may be to image the settlement area to obtain multiple frames of settlement operation images, embodiments of this specification There is no restriction on this.
  • an image detection algorithm is used to detect whether the biometric information exists in the settlement operation image.
  • the image detection algorithm used is also different. Taking the biometric information as facial information as an example, detection methods such as a silent living body detection method, a Fourier spectrum analysis method, and an optical flow estimation method can be used for detection.
  • the distance can be determined according to the distance between each user and the self-checkout device 100
  • the nearest user of the self-checkout device 100 is determined to be the settlement user; when there are multiple users in the settlement operation image, and the distance between each user and the self-checkout device 100 is the same, it may be located in the The user in the center of the settlement operation image is determined as the settlement user.
  • step S403 is executed to save the biometric information to the cache space, otherwise step S401 is executed again, that is, steps S401 and S402 are repeatedly executed until the settlement operation image is detected There is the biometric information or a payment request is received.
  • saving the biometric information in the cache space is to extract the facial position, size, and posture of the settlement user from the settlement operation image, And save the extracted information in the cache space. Saving the biometric information to the cache space can prevent the settlement user from losing the biometric information when he looks down.
  • collecting the biometric information includes: triggering the image collection device to continuously perform image collection on the settlement area, and performing detection processing on each collected settlement operation image.
  • the continuous image collection of the settlement area means that the image collection of the settlement area is continued during the entry of the commodity information by the settlement user from the receipt of the commodity settlement request to the end of the payment request .
  • each collected settlement operation image may be a single or multiple settlement operation images obtained by photographing the settlement area; or a multi-frame settlement obtained by photographing the settlement area
  • the operation image is not limited in the embodiment of this specification.
  • FIG. 5 is a flowchart of a detection process for each settlement operation image collected, including steps S501 to S503.
  • step S402 For this step, reference may be made to the description of step S402 in the foregoing embodiment, and details are not described herein again.
  • S502 is executed to compare the biometric information with the existing information in the cache space.
  • biometric information does not match the existing information
  • execute S503 to replace the existing information with the biometric information, that is, update the cache space after detecting that another user performs a settlement operation Stored information.
  • the biometric information stored in the cache space is the biometric information of the current settlement user, and avoiding the final payment due to the settlement operation by another user in the middle There was an error in the account.
  • prompt information may be displayed to the settlement user, for example, as shown in FIG. 6, the prompt information is used to prompt that the collected information The biometric information.
  • the settlement user After entering all commodity information, the settlement user will request payment from the self-checkout device 100.
  • the payment request may be an operation for the settlement user to confirm the payment through a key provided by the self-checkout device 100 or an input device such as a touch screen, as shown in FIG. 7.
  • stop collecting the biometric information When receiving the payment request, stop collecting the biometric information and determine whether the biometric information is successfully collected.
  • the cache space stores the biometric information. Therefore, it can be determined whether the biometric information is successfully collected, and whether the biometric information is stored in the cache space can be detected. If the biometric information is stored in the cache space, it is determined that the biometric information is successfully collected.
  • S203 is executed to obtain the payment account of the settlement user according to the biometric information.
  • the method before performing S203, further includes: presenting a payment confirmation interface to the settlement user; when receiving payment confirmation information input by the settlement user, executing the according to the biometric information Obtain the payment account of the settlement user.
  • the payment confirmation interface By presenting the payment confirmation interface to the settlement user, the settlement user can be asked to confirm whether the consumption amount to be paid is correct and whether to use the biometric information for payment.
  • the payment confirmation information may be generated by an input device such as a key or a touch screen provided by the settlement user through the self-checkout device 100, as shown in FIG. 8.
  • the information includes the biometric information; the payment account associated with the sample information is determined as the payment account of the settlement user.
  • the sample information includes sample biometric information.
  • Each sample information corresponds to a user's payment account.
  • the user can enter their own biometric information, namely The sample biometric information is stored in association with its own payment account. Comparing the information to be compared with more than one piece of sample information stored in advance is to compare the biometric information with each piece of sample biometric information.
  • the payment account of the settlement user After obtaining the payment account of the settlement user, the payment account of the settlement user can be deducted according to the consumption amount obtained by the commodity settlement system. Since each product has a unique barcode, and each barcode corresponds to the commodity information of the commodity, the commodity settlement system can obtain the consumption amount based on all commodity information entered by the settlement user. It should be noted that the commodity settlement system can be implemented by using existing technology, which will not be repeated here.
  • the one or more pieces of sample information and the payment account associated with each piece of sample information may be stored in the server 200, and before the comparing the information to be compared with more than one piece of sample information pre-stored, it also includes : Sending the information to be compared to the server 200, that is, comparing the information to be compared with one or more pre-stored sample information is performed in the server 200.
  • the more than one piece of sample information and the payment account associated with each piece of sample information may also be stored locally, that is, stored in the self-checkout device 100, and the payment account associated with the sample information is determined as the After the payment user's payment account is settled, it also includes: sending the payment user's payment account to the payment platform, that is, comparing the information to be compared with more than one pre-stored sample information in the self-checkout device 100 get on.
  • each user may request that a user who has not entered biometric information actively enter biometric information when using the self-checkout device 100, and The biometric information entered by the user is stored in association with the payment account input by the user; it may also be prompted when the sample information of the biometric information is successfully collected, but no sample information matching the information to be compared is found locally
  • the settlement user enters a payment account and stores the biometric information in association to obtain sample information matching the information to be compared locally when the settlement user next settles.
  • the information to be compared further includes verification information, and before the comparing the information to be compared with more than one piece of sample information stored in advance, further includes: displaying to the settlement user Verification information input interface; when receiving the verification information input by the settlement user, performing the comparison of the information to be compared with more than one piece of sample information stored in advance.
  • the user can also enter his own verification information and store it in association with his own payment account.
  • the verification information may be the mobile phone number of the settlement user or certain digits (for example, the last four digits) in the mobile phone number, and the verification information input interface is shown in FIG. 9. By using the verification information and the biometric information for double verification, the payment verification and the payment user's willingness to pay can be confirmed.
  • the judging whether the biometric information collection is successful further includes: if the biometric information collection is unsuccessful, displaying a payment method selection interface to the settlement user; When the payment method selected by the settlement user arrives, the payment account of the settlement user is obtained according to the payment method selected by the settlement user.
  • the payment method selection interface is shown in FIG. 10, and the payment methods include but are not limited to scan code payment, face payment, and the like. After the settlement user selects any payment method displayed on the payment method selection interface, corresponding payment processing is performed according to the payment method selected by the settlement user.
  • the settlement user may be shown a two-dimensional code corresponding to the settlement, and the settlement user scans the office through a smart terminal installed with a payment platform application
  • the QR code completes the payment;
  • the settlement user may be presented with a facial feature collection and processing interface, and the settlement user is prompted through the facial feature collection and processing interface to face
  • the image collection device collects the facial characteristics of the settlement user through the image collection device, and sends the facial characteristics of the settlement user to the corresponding payment platform to complete the payment. It should be noted that, obtaining the payment account of the settlement user according to the payment method selected by the settlement user is implemented in an existing manner, and details are not described herein again.
  • the biometric information is collected during the entry of the commodity information by the settlement user, that is, the biometric information of the settlement user and the commodity information entered by the settlement user are performed in parallel, rather than during the settlement After the user enters the commodity information, the biometric information of the settlement user is collected, thereby improving the processing speed of commodity settlement.
  • an embodiment of this specification provides a payment processing device, including:
  • the collection module is used to collect the biometric information of the settlement user when receiving the commodity settlement request;
  • the judging module is used to judge whether the biometric information is successfully collected when receiving the payment request;
  • the first obtaining module is configured to obtain the payment account of the settlement user according to the biometric information when the biometric information is successfully collected.
  • the collection module includes:
  • An image collection trigger unit used to trigger the image collection device to collect images from the settlement area to obtain settlement operation images
  • a first detection unit configured to detect whether biometric information exists in the settlement operation image
  • the saving unit is configured to save the biometric information to the cache space when there is biometric information in the settlement operation image.
  • the collection module includes:
  • An image acquisition trigger unit used to trigger the image acquisition device to continue image acquisition on the settlement area
  • Detection and processing unit which is used to detect and process each operation image collected
  • the detection processing unit includes:
  • a first detection unit configured to detect whether biometric information exists in the settlement operation image
  • the first comparison unit is used to compare the biometric information with the existing information in the cache space when there is biometric information in the settlement operation image;
  • the replacement unit is configured to replace the existing information with the biometric information when the biometric information does not match the existing information.
  • the payment processing device further includes:
  • the information display module is used to display prompt information to the settlement user during the storage of the biometric information in the cache space, and the prompt information is used to prompt that the biometric information has been collected.
  • the judgment module includes:
  • a second detection unit configured to detect whether the cache space stores the biometric information
  • the first determining unit is configured to determine that the biometric information is successfully collected when the biometric information is stored in the cache space.
  • the payment processing device further includes:
  • a first interface display module used to display a payment confirmation interface to the settlement user
  • the account obtaining module is configured to obtain the payment account of the settlement user according to the biological characteristic information when receiving the payment confirmation information input by the settlement user.
  • the account acquisition module includes:
  • a second comparison unit configured to compare the information to be compared with more than one sample information stored in advance to obtain sample information matching the information to be compared, the information to be compared includes the biometric information ;
  • the second determining unit is configured to determine the payment account associated with the sample information as the payment account of the settlement user.
  • the information to be compared further includes verification information
  • the payment processing device further includes:
  • a second interface display module which is used to display a verification information input interface to the settlement user
  • the second comparison unit is used for comparing the information to be compared with more than one piece of sample information pre-stored when receiving the verification information input by the settlement user.
  • the payment processing device further includes:
  • a second interface display module used to display a payment method selection interface to the settlement user when the biometric information collection is unsuccessful;
  • the second obtaining module is configured to obtain the payment account of the settlement user according to the payment method selected by the settlement user when receiving the payment method selected by the settlement user.
  • an embodiment of the present invention also provides a self-checkout device.
  • the circuit structure diagram of the self-checkout device is shown in FIG. 11, which includes a memory 1104, a processor 1102, and a computer program stored on the memory 1104 and executable on the processor 1102. Implement the steps of the payment processing method described above.
  • bus 1100 may include any number of interconnected buses and bridges, and bus 1100 will include one or more processors represented by processor 1102 and memory 1104 represented by The various circuits of the memory are linked together.
  • the bus 1100 may also link various other circuits such as peripheral devices, voltage regulators, and power management circuits, etc., which are well known in the art, and therefore, they will not be described further herein.
  • the bus interface 1105 provides an interface between the bus 1100 and the receiver 1101 and the transmitter 1103.
  • the receiver 1101 and the transmitter 1103 may be the same element, that is, a transceiver, providing a unit for communicating with various other devices on a transmission medium.
  • the processor 1102 is responsible for managing the bus 1100 and general processing, and the memory 1104 may be used to store data used by the processor 1102 in performing operations.
  • the present invention also provides a computer-readable storage medium on which a computer program is stored, which when executed by the processor implements the payment processing described above Method steps.
  • These computer program instructions can be provided to the processor of a general-purpose computer, special-purpose computer, embedded processing machine, or other programmable data processing device to produce a machine that enables the generation of instructions executed by the processor of the computer or other programmable data processing device
  • These computer program instructions may also be stored in a computer-readable memory that can guide a computer or other programmable data processing device to work in a particular manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including the instruction device
  • the device implements the functions specified in one block or multiple blocks in the flowchart one process or multiple processes and / or block diagrams.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device, so that a series of operating steps are performed on the computer or other programmable device to produce computer-implemented processing, which is executed on the computer or other programmable device
  • the instructions provide steps for implementing the functions specified in one block or multiple blocks of the flowchart one flow or multiple flows and / or block diagrams.

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Abstract

本说明书实施例提供了一种支付处理方法，在结算用户录入商品信息期间采集所述结算用户的生物特征信息，提高了商品结算的处理速度。

Description

支付处理方法、装置以及自助结账设备 技术领域
本说明书实施例涉及互联网技术领域，尤其涉及一种支付处理方法、装置以及自助结账设备。
背景技术
随着消费水平的逐渐提升，人们对消费环境的要求越来越高，自助结账方式应运而生。自助结账方式既能提高结账的效率，节省消费者的等待时间，又能节约销售方的人工和管理成本。可以说，自助结账方式颠覆了传统超市的零售模式，对开创互联网时代新型零售模式具有积极的意义。
发明内容
本说明书实施例提供及一种支付处理方法、装置以及自助结账设备。
第一方面，本说明书实施例提供一种支付处理方法，包括：
在接收到商品结算请求时，采集结算用户的生物特征信息；
在接收到付款请求时，判断所述生物特征信息是否采集成功；
若所述生物特征信息采集成功，则根据所述生物特征信息获得所述结算用户的支付账号。
第二方面，本说明书实施例提供一种支付处理装置，包括：
采集模块，用于在接收到商品结算请求时，采集结算用户的生物特征信息；
判断模块，用于在接收到付款请求时，判断所述生物特征信息是否采集成功；
第一获得模块，用于在所述生物特征信息采集成功时，根据所述生物特征信息获得所述结算用户的支付账号。
第三方面，本说明书实施例提供一种自助结账设备，包括包括存储器、处理器以及存储在所述存储器上并可在所述处理器上运行的计算机程序，所述处理器执行所述程序时实现上述支付处理方法的步骤。
第四方面，本说明书实施例提供一种计算机可读存储介质，其上存储有计算机程序， 所述程序被处理器执行时实现上述支付处理方法的步骤。
本说明书实施例有益效果如下：
本说明书实施例中，在接收到商品结算请求时采集结算用户的生物特征信息，在接收到付款请求时判断所述生物特征信息是否采集成功，即在所述结算用户录入商品信息期间采集所述结算用户的生物特征信息，采集所述结算用户的生物特征信息和所述结算用户录入商品信息是并行进行的，而不是在所述结算用户录入商品信息完成后再去采集所述结算用户的生物特征信息，因而提高了商品结算的处理速度。
附图说明
图1为本说明书实施例的支付处理应用场景示意图；
图2为本说明书实施例的支付处理方法的流程图；
图3为本说明书实施例的结算用户输入商品结算请求的示意图；
图4为本说明书实施例采集生物特征信息的流程图；
图5为本说明书实施例对每次采集的结算操作图像进行检测处理的流程图；
图6为本说明书实施例的自助结账设备展示提示信息的示意图；
图7为本说明书实施例的结算用户输入付款请求的示意图；
图8为本说明书实施例的自助结账设备展示支付确认界面的示意图；
图9为本说明书实施例的自助结账设备展示验证信息输入界面的示意图；
图10为本说明书实施例的自助结账设备展示支付方式选择界面的示意图；
图11为本说明书实施例的自助结账设备的电路结构示意图。
具体实施方式
为了更好地理解上述技术方案，下面通过附图以及具体实施例对本说明书实施例的技术方案做详细的说明，应当理解本说明书实施例以及实施例中的具体特征是对本说明书实施例技术方案的详细的说明，而不是对本说明书技术方案的限定，在不冲突的情况下，本说明书实施例以及实施例中的技术特征可以相互组合。
请参见图1，为本说明书实施例的支付处理应用场景示意图。自助结账设备100位 于用户侧，与网络侧的服务器200进行通信。所述自助结账设备100可设置在超市等购物场所，用于采集结算用户录入的商品信息，根据所述结算用户录入的商品信息获得所述结算用户需要支付的总金额，并将所述结算用户需要支付的消费金额发送至所述服务器200，由所述服务器200对所述结算用户的支付账号进行扣款处理。
第一方面，本说明书实施例提供一种支付处理方法。图2是所述支付处理方法的流程图，所述支付处理方法包括步骤S201至S203。
S201，在接收到商品结算请求时，采集结算用户的生物特征信息。
每个用户都有独特的生物特征，因而可以借助生物特征识别技术对不同用户进行区分。由于生物特征是每个用户的自带属性，采用生物特征识别技术确定用户身份进行支付时，用户无需携带银行卡、手机等物件，因而能够提高支付的便捷性。在本说明书实施例中，所述生物特征信息可以为面部信息、虹膜信息或者骨骼信息等可以使所述结算用户在无接触和无感知的情况下即可采集到的生物特征信息，以此降低所述结算用户的操作和理解成本，无需所述结算用户配合和主动交互。
所述结算用户为在所述自助结账设备100上进行结算操作的用户。商品采购完成后，所述结算用户会请求对其采购的商品进行结算，即请求所述自助结账设备100采集商品信息。所述商品结算请求可以为所述结算用户通过所述自助结账设备100提供的按键、触摸屏等输入装置输入首件商品编号的操作，也可以为所述结算用户通过所述自助结账设备100提供的条码扫描器扫描首件商品条形码的操作，还可以是其他触发所述自助结账设备100采集商品信息的操作，本发明实施例对此不进行限定。如图3所示，当所述商品结算请求为所述结算用户通过所述自助结账设备100提供的条码扫描器扫描首件商品条形码的操作时，所述条码扫描器可以内置在所述自助结账设备100中，只需所述结算用户将商品条码置于条码扫描器的光源出口101即可。图4是采集所述生物特征信息的流程图，包括步骤S401至步骤S403。
S401，触发图像采集装置对结算区域进行图像采集，获得结算操作图像。
所述图像采集装置可以为3D摄像装置，例如，可以为结构光摄像头、双目摄像头或者TOF摄像头等。所述结算区域可根据所述图像采集装置的安装位置进行确定，只要保证所述结算用户在进行结算操作时位于所述图像采集装置的采集范围内即可。在接收到所述商品结算请求时，开启所述图像采集装置进行图像采集。对所述结算区域进行图像采集可以是对所述结算区域进行拍照，获得单幅或者多幅结算操作图像；也可以是 对所述结算区域进行摄像，获得多帧结算操作图像，本说明书实施例对此不进行限定。
S402，检测所述结算操作图像是否存在生物特征信息。
在获得所述结算操作图像后，采用图像检测算法检测所述结算操作图像是否存在所述生物特征信息。根据所述生物特征信息的不同，采用的图像检测算法也不相同。以所述生物特征信息为面部信息为例，可以采用静默活体检测方法、傅里叶频谱分析法、光流估计法等检测方法进行检测。进一步，当所述结算操作图像中存在多个用户，且各个用户与所述自助结账设备100之间的距离不同时，可以根据各个用户与所述自助结账设备100之间的距离远近，将距离所述自助结账设备100最近的用户确定为所述结算用户；当所述结算操作图像中存在多个用户，且各个用户与所述自助结账设备100之间的距离相同时，可以将位于所述结算操作图像正中的用户确定为所述结算用户。
若所述结算操作图像存在生物特征信息，则执行步骤S403，将所述生物特征信息保存至缓存空间，否则再次执行步骤S401，即重复执行步骤S401和步骤S402，直至检测到所述结算操作图像存在所述生物特征信息或者接收到付款请求。
仍以所述生物特征信息为面部信息为例，将所述生物特征信息保存至所述缓存空间，即是从所述结算操作图像中提取所述结算用户的面部位置、大小以及姿态等信息，并将提取到的信息保存至所述缓存空间中。将所述生物特征信息保存至所述缓存空间，可以防止所述结算用户低头结算时丢失所述生物特征信息。
在所述结算用户录入商品信息期间，所述结算用户可能突然离开或者换成其他用户进行结算操作。因此，在一种可选实现方式中，采集所述生物特征信息包括：触发图像采集装置持续对结算区域进行图像采集，并对每次采集的结算操作图像进行检测处理。所述持续对结算区域进行图像采集，是指从接收到所述商品结算请求开始，至接收到所述付款请求结束，即在所述结算用户录入商品信息期间持续对所述结算区域进行图像采集。与前述实施例类似，每次采集的结算操作图像可以是对所述结算区域进行拍照，获得的单幅或者多幅结算操作图像；也可以是对所述结算区域进行摄像，获得的多帧结算操作图像，本说明书实施例对此不进行限定。图5是对每次采集的结算操作图像进行检测处理的流程图，包括步骤S501至步骤S503。
S501，检测所述结算操作图像是否存在生物特征信息。
本步骤可参考前述实施例对步骤S402的描述，在此不再赘述。
若所述结算操作图像存在生物特征信息，则执行S502，将所述生物特征信息与缓存 空间已有信息进行比对。
将所述生物特征信息与缓存空间已有信息进行比对，即判断所述生物特征信息与所述已有信息是否匹配。当所述生物特征信息与所述已有信息的相似度大于预设百分比时，则表明所述生物特征信息与所述已有信息匹配，所述结算用户并未离开，也未换成其他用户进行结算操作；当所述生物特征信息与所述已有信息的相似度不大于预设百分比时，则表明所述生物特征信息与所述已有信息不匹配，所述结算用户已离开或者已换成其他用户进行结算操作。需要说明的是，当首次检测到所述生物特征信息时，所述缓存空间为空，进行比对的结果是不匹配的。
若所述生物特征信息与所述已有信息不匹配，则执行S503，采用所述生物特征信息替换所述已有信息，即在检测到换成其他用户进行结算操作后，更新所述缓存空间存储的信息。通过持续对所述结算区域进行图像采集以及信息比对，可以确保所述缓存空间存储的生物特征信息是当前结算用户的生物特征信息，避免因中途换成其他用户进行结算操作导致最终获得的支付账号出现错误。
在一种可选实现方式中，在所述缓存空间存储所述生物特征信息期间，可以向所述结算用户展示提示信息，例如可以如图6所示，所述提示信息用于提示已采集到所述生物特征信息。
S202，在接收到付款请求时，判断所述生物特征信息是否采集成功。
所述结算用户录入所有商品信息后，会向所述自助结账设备100请求付款。所述付款请求可以为所述结算用户通过所述自助结账设备100提供的按键或者触摸屏等输入装置确认付款的操作，如图7所示。在接收到所述付款请求时，停止采集所述生物特征信息，判断所述生物特征信息是否采集成功。根据图4或者图5所示采集所述生物特征信息的流程，在所述生物特征信息采集成功时，所述缓存空间会存储所述生物特征信息。因此，判断所述生物特征信息是否采集成功，可以检测所述缓存空间是否存储有所述生物特征信息。若所述缓存空间存储有所述生物特征信息，则确定所述生物特征信息采集成功。
若所述生物特征信息采集成功，则执行S203，根据所述生物特征信息获得所述结算用户的支付账号。
在一种可选实现方式中，在执行S203之前，还包括：向所述结算用户展示支付确认界面；在接收到所述结算用户输入的支付确认信息时，执行所述根据所述生物特征信 息获得所述结算用户的支付账号。通过向所述结算用户展示所述支付确认界面，可以请所述结算用户确认需要支付的消费金额是否正确以及确认是否采用所述生物特征信息进行支付的支付方式。所述支付确认信息可以为所述结算用户通过所述自助结账设备100提供的按键或者触摸屏等输入装置产生，如图8所示。
在接收到所述付款请求或者所述支付确认信息时，将待比对信息与预先存储的一条以上样本信息进行比对，获得与所述待比对信息匹配的样本信息，所述待比对信息包括所述生物特征信息；将与所述样本信息关联的支付账号确定为所述结算用户的支付账号。所述样本信息包括样本生物特征信息，每条样本信息对应关联一个用户的支付账号，在每个用户创建自己的支付账号或者使用自己的支付账号期间，用户可以录入自己的生物特征信息，即所述样本生物特征信息，与自己的支付账号进行关联存储。将所述待比对信息与预先存储的一条以上样本信息进行比对，即是将所述生物特征信息与每条样本生物特征信息进行比较。获得所述结算用户的支付账号后，根据商品结算系统获得的消费金额，可以对所述结算用户的支付账号进行扣款处理。由于每件商品都有一个特有的条形码，每个条形码对应该件商品的商品信息，因而所述商品结算系统可以根据所述结算用户录入的所有商品信息，获得所述消费金额。需要说明的是，所述商品结算系统可以采用现有技术实现，在此不再赘述。
进一步，所述一条以上样本信息以及与每条样本信息关联的支付账号可以存储在所述服务器200中，在所述将待比对信息与预先存储的一条以上样本信息进行比对之前，还包括：将所述待比对信息发送至所述服务器200，即将所述待比对信息与预先存储的一条以上样本信息进行比对是在所述服务器200中进行。所述一条以上样本信息以及与每条样本信息关联的支付账号还可以存储在本地，即保存在所述自助结账设备100中，在所述将与所述样本信息关联的支付账号确定为所述结算用户的支付账号之后，还包括：将所述结算用户的支付账号发送至支付平台，即将所述待比对信息与预先存储的一条以上样本信息进行比对是在所述自助结账设备100中进行。
当所述一条以上样本信息以及与每条样本信息关联的支付账号存储在本地时，可以在每个用户使用所述自助结账设备100时要求未录入生物特征信息的用户主动录入生物特征信息，并将用户录入的生物特征信息与用户输入的支付账号进行关联存储；还可以是在判断所述生物特征信息采集成功，但在本地未找到与所述待比对信息匹配的样本信息时，提示所述结算用户输入支付账号与所述生物特征信息进行关联存储，以在所述结算用户下次结算时在本地获得与所述待比对信息匹配的样本信息。
在一种可选实现方式中，所述待比对信息还包括验证信息，在所述将待比对信息与预先存储的一条以上样本信息进行比对之前，还包括：向所述结算用户展示验证信息输入界面；在接收到所述结算用户输入的所述验证信息时，执行所述将待比对信息与预先存储的一条以上样本信息进行比对。相应地，在每个用户创建自己的支付账号或者使用自己的支付账号期间，用户还可以录入自己的验证信息，与自己的支付账号进行关联存储。所述验证信息可以为所述结算用户的手机号码或者所述手机号码中的某几位(例如最后四位)等，所述验证信息输入界面如图9所示。通过采用所述验证信息和所述生物特征信息进行双重验证，可以确认支付校验和所述结算用户的支付意愿。
在一种可选实现方式中，在所述判断所述生物特征信息是否采集成功之后，还包括：若所述生物特征信息采集不成功，则向所述结算用户展示支付方式选择界面；在接收到所述结算用户选择的支付方式时，根据所述结算用户选择的支付方式获得所述结算用户的支付账号。所述支付方式选择界面如图10所示，所述支付方式包括但不限于扫码支付、刷脸支付等。在所述结算用户选择所述支付方式选择界面展示的任意一种支付方式后，根据所述结算用户选择的支付方式进行相应的支付处理。例如，若所述结算用户选择的支付方式为扫码支付，则可以向所述结算用户展示本次结算对应的二维码，由所述结算用户通过安装有支付平台应用程序的智能终端扫描所述二维码完成支付；若所述结算用户选择的支付方式为刷脸支付，则可以向所述结算用户展示面部特征采集处理界面，通过所述面部特征采集处理界面提示所述结算用户面对图像采集装置，通过图像采集装置采集所述结算用户的面部特征，并将所述结算用户的面部特征发送至相应的支付平台完成支付。需要说明的是，所述根据所述结算用户选择的支付方式获得所述结算用户的支付账号采用现有的方式实现，在此不再赘述。
本说明书实施例，在所述结算用户录入商品信息期间采集所述生物特征信息，即采集所述结算用户的生物特征信息和所述结算用户录入商品信息是并行进行的，而不是在所述结算用户录入商品信息完成后再去采集所述结算用户的生物特征信息，因而提高了商品结算的处理速度。
第二方面，基于同样的发明构思，本说明书实施例提供一种支付处理装置，包括：
采集模块，用于在接收到商品结算请求时，采集结算用户的生物特征信息；
判断模块，用于在接收到付款请求时，判断所述生物特征信息是否采集成功；
第一获得模块，用于在所述生物特征信息采集成功时，根据所述生物特征信息获得 所述结算用户的支付账号。
在一种可选实现方式中，所述采集模块包括：
图像采集触发单元，用于触发图像采集装置对结算区域进行图像采集，获得结算操作图像；
第一检测单元，用于检测所述结算操作图像是否存在生物特征信息；
保存单元，用于在所述结算操作图像存在生物特征信息时，将所述生物特征信息保存至缓存空间。
在一种可选实现方式中，所述采集模块包括：
图像采集触发单元，用于触发图像采集装置持续对结算区域进行图像采集；
检测处理单元，用于对每次采集的操作图像进行检测处理；
所述检测处理单元包括：
第一检测单元，用于检测所述结算操作图像是否存在生物特征信息；
第一比对单元，用于在所述结算操作图像存在生物特征信息时，将所述生物特征信息与缓存空间已有信息进行比对；
替换单元，用于在所述生物特征信息与所述已有信息不匹配时，采用所述生物特征信息替换所述已有信息。
在一种可选实现方式中，所述支付处理装置还包括：
信息展示模块，用于在所述缓存空间存储所述生物特征信息期间，向所述结算用户展示提示信息，所述提示信息用于提示已采集到所述生物特征信息。
在一种可选实现方式中，所述判断模块包括：
第二检测单元，用于检测所述缓存空间是否存储有所述生物特征信息；
第一确定单元，用于在所述缓存空间存储有所述生物特征信息时，确定所述生物特征信息采集成功。
在一种可选实现方式中，所述支付处理装置还包括：
第一界面展示模块，用于向所述结算用户展示支付确认界面；
所述账号获得模块用于在接收到所述结算用户输入的支付确认信息时，根据所述生 物特征信息获得所述结算用户的支付账号。
在一种可选实现方式中，所述账号获得模块包括：
第二比对单元，用于将待比对信息与预先存储的一条以上样本信息进行比对，获得与所述待比对信息匹配的样本信息，所述待比对信息包括所述生物特征信息；
第二确定单元，用于将与所述样本信息关联的支付账号确定为所述结算用户的支付账号。
在一种可选实现方式中，所述待比对信息还包括验证信息，所述支付处理装置还包括：
第二界面展示模块，用于向所述结算用户展示验证信息输入界面；
所述第二比对单元用于在接收到所述结算用户输入的所述验证信息时，将待比对信息与预先存储的一条以上样本信息进行比对。
在一种可选实现方式中，所述支付处理装置还包括：
第二界面展示模块，用于在所述生物特征信息采集不成功时，向所述结算用户展示支付方式选择界面；
第二获得模块，用于在接收到所述结算用户选择的支付方式时，根据所述结算用户选择的支付方式获得所述结算用户的支付账号。
第三方面，基于同样的发明构思，本发明实施例还提供一种自助结账设备。所述自助结账设备的电路结构图如图11所示，包括存储器1104、处理器1102及存储在存储器1104上并可在处理器1102上运行的计算机程序，所述处理器1102执行所述程序时实现前文所述支付处理方法的步骤。
其中，在图11中，总线架构(用总线1100来代表)，总线1100可以包括任意数量的互联的总线和桥，总线1100将包括由处理器1102代表的一个或多个处理器和存储器1104代表的存储器的各种电路链接在一起。总线1100还可以将诸如外围设备、稳压器和功率管理电路等之类的各种其他电路链接在一起，这些都是本领域所公知的，因此，本文不再对其进行进一步描述。总线接口1105在总线1100和接收器1101和发送器1103之间提供接口。接收器1101和发送器1103可以是同一个元件，即收发机，提供用于在传输介质上与各种其他装置通信的单元。处理器1102负责管理总线1100和通常的处理，而存储器1104可以被用于存储处理器1102在执行操作时所使用的数据。
第四方面，基于与前述实施例中支付处理方法同样的发明构思，本发明还提供一种计算机可读存储介质，其上存储有计算机程序，该程序被处理器执行时实现前文所述支付处理方法的步骤。
本说明书是参照根据本说明书实施例的方法、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设备。
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设备的制造品，该指令设备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。
尽管已描述了本说明书的优选实施例，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说明书范围的所有变更和修改。
显然，本领域的技术人员可以对本说明书进行各种改动和变型而不脱离本说明书的精神和范围。这样，倘若本说明书的这些修改和变型属于本说明书权利要求及其等同技术的范围之内，则本说明书也意图包含这些改动和变型在内。

Claims (20)

  1. 一种支付处理方法，包括：
    在接收到商品结算请求时，采集结算用户的生物特征信息；
    在接收到付款请求时，判断所述生物特征信息是否采集成功；
    若所述生物特征信息采集成功，则根据所述生物特征信息获得所述结算用户的支付账号。
  2. 根据权利要求1所述的方法，所述采集结算用户的生物特征信息包括：
    触发图像采集装置对结算区域进行图像采集，获得结算操作图像；
    检测所述结算操作图像是否存在生物特征信息；
    若所述结算操作图像存在生物特征信息，则将所述生物特征信息保存至缓存空间，否则再次执行所述触发图像采集装置对结算区域进行图像采集。
  3. 根据权利要求1所述的方法，所述采集结算用户的生物特征信息包括：触发图像采集装置持续对结算区域进行图像采集，并对每次采集的结算操作图像进行检测处理；所述对每次采集的结算操作图像进行检测处理包括：
    检测所述结算操作图像是否存在生物特征信息；
    若所述结算操作图像存在生物特征信息，则将所述生物特征信息与缓存空间已有信息进行比对；
    若所述生物特征信息与所述已有信息不匹配，则采用所述生物特征信息替换所述已有信息。
  4. 根据权利要求2或3所述的方法，还包括：
    在所述缓存空间存储所述生物特征信息期间，向所述结算用户展示提示信息，所述提示信息用于提示已采集到所述生物特征信息。
  5. 根据权利要求2或3任一项所述的方法，所述判断所述生物特征信息是否采集成功包括：
    检测所述缓存空间是否存储有所述生物特征信息；
    若所述缓存空间存储有所述生物特征信息，则确定所述生物特征信息采集成功。
  6. 根据权利要求1所述的方法，在所述根据所述生物特征信息获得所述结算用户的支付账号之前，还包括：
    向所述结算用户展示支付确认界面；
    在接收到所述结算用户输入的支付确认信息时，执行所述根据所述生物特征信息获得所述结算用户的支付账号。
  7. 根据权利要求1或6所述的方法，所述根据所述生物特征信息获得所述结算用户的支付账号包括：
    将待比对信息与预先存储的一条以上样本信息进行比对，获得与所述待比对信息匹配的样本信息，所述待比对信息包括所述生物特征信息；
    将与所述样本信息关联的支付账号确定为所述结算用户的支付账号。
  8. 根据权利要求7所述的方法，所述待比对信息还包括验证信息，在所述将待比对信息与预先存储的一条以上样本信息进行比对之前，还包括：
    向所述结算用户展示验证信息输入界面；
    在接收到所述结算用户输入的所述验证信息时，执行所述将待比对信息与预先存储的一条以上样本信息进行比对。
  9. 根据权利要求1所述的方法，在所述判断所述生物特征信息是否采集成功之后，还包括：
    若所述生物特征信息采集不成功，则向所述结算用户展示支付方式选择界面；
    在接收到所述结算用户选择的支付方式时，根据所述结算用户选择的支付方式获得所述结算用户的支付账号。
  10. 一种支付处理装置，包括：
    采集模块，用于在接收到商品结算请求时，采集结算用户的生物特征信息；
    判断模块，用于在接收到付款请求时，判断所述生物特征信息是否采集成功；
    第一获得模块，用于在所述生物特征信息采集成功时，根据所述生物特征信息获得所述结算用户的支付账号。
  11. 根据权利要求10所述的装置，所述采集模块包括：
    图像采集触发单元，用于触发图像采集装置对结算区域进行图像采集，获得结算操作图像；
    第一检测单元，用于检测所述结算操作图像是否存在生物特征信息；
    保存单元，用于在所述结算操作图像存在生物特征信息时，将所述生物特征信息保存至缓存空间。
  12. 根据权利要求10所述的装置，所述采集模块包括：
    图像采集触发单元，用于触发图像采集装置持续对结算区域进行图像采集；
    检测处理单元，用于对每次采集的操作图像进行检测处理；
    所述检测处理单元包括：
    第一检测单元，用于检测所述结算操作图像是否存在生物特征信息；
    第一比对单元，用于在所述结算操作图像存在生物特征信息时，将所述生物特征信息与缓存空间已有信息进行比对；
    替换单元，用于在所述生物特征信息与所述已有信息不匹配时，采用所述生物特征信息替换所述已有信息。
  13. 根据权利要求11或12所述的装置，还包括：
    信息展示模块，用于在所述缓存空间存储所述生物特征信息期间，向所述结算用户展示提示信息，所述提示信息用于提示已采集到所述生物特征信息。
  14. 根据权利要求11或12所述的装置，所述判断模块包括：
    第二检测单元，用于检测所述缓存空间是否存储有所述生物特征信息；
    第一确定单元，用于在所述缓存空间存储有所述生物特征信息时，确定所述生物特征信息采集成功。
  15. 根据权利要求10所述的装置，还包括：
    第一界面展示模块，用于向所述结算用户展示支付确认界面；
    所述账号获得模块用于在接收到所述结算用户输入的支付确认信息时，根据所述生物特征信息获得所述结算用户的支付账号。
  16. 根据权利要求10或15所述的装置，所述账号获得模块包括：
    第二比对单元，用于将待比对信息与预先存储的一条以上样本信息进行比对，获得与所述待比对信息匹配的样本信息，所述待比对信息包括所述生物特征信息；
    第二确定单元，用于将与所述样本信息关联的支付账号确定为所述结算用户的支付账号。
  17. 根据权利要求16所述的装置，所述待比对信息还包括验证信息，还包括：
    第二界面展示模块，用于向所述结算用户展示验证信息输入界面；
    所述第二比对单元用于在接收到所述结算用户输入的所述验证信息时，将待比对信息与预先存储的一条以上样本信息进行比对。
  18. 根据权利要求10所述的装置，还包括：
    第二界面展示模块，用于在所述生物特征信息采集不成功时，向所述结算用户展示支付方式选择界面；
    第二获得模块，用于在接收到所述结算用户选择的支付方式时，根据所述结算用户选择的支付方式获得所述结算用户的支付账号。
  19. 一种自助结账设备，包括存储器、处理器以及存储在所述存储器上并可在所述处理器上运行的计算机程序，所述处理器执行所述程序时实现权利要求1至9任一项所 述方法的步骤。
  20. 一种计算机可读存储介质，其上存储有计算机程序，所述程序被处理器执行时实现权利要求1至9任一项所述方法的步骤。
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