WO2020119713A1 - Payment method and device - Google Patents
Payment method and device Download PDFInfo
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- WO2020119713A1 WO2020119713A1 PCT/CN2019/124525 CN2019124525W WO2020119713A1 WO 2020119713 A1 WO2020119713 A1 WO 2020119713A1 CN 2019124525 W CN2019124525 W CN 2019124525W WO 2020119713 A1 WO2020119713 A1 WO 2020119713A1
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- user
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- biometrics
- confirmation
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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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
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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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
Definitions
- the present disclosure relates to the field of payment technology, and in particular, to a payment method and device.
- the Chinese patent application with application publication number CN104680372A provides a transaction security payment method.
- the payment terminal needs to send product transaction information and payment according to the transaction operation instructions.
- the identity information of the person is sent to the relevant verification terminal, and the payment can only be made after the relevant verification terminal verifies and agrees to the transaction, so that the guardian can remotely supervise the relevant consumption of the person who needs guardianship.
- the relevant verification terminal agrees to the transaction, the old person still needs to perform a series of payment operations in the payment terminal such as a mobile phone.
- the operation involved in the payment is too cumbersome and inconvenient to use, resulting in more efficient payment. low.
- the present disclosure is proposed in order to provide a payment method and device that overcome the above problems or at least partially solve the above problems.
- a payment method including:
- the payment pending confirmation information is generated, and the payment pending confirmation information is sent to the client corresponding to the second user for the payment operation.
- a payment confirmation method including:
- the server determines the second user associated with the first user's biometrics according to the payment request sent by the merchant and carrying the first user's biometrics information ;
- a confirmation success result is sent to the server for the server to perform a deduction process from the payment account corresponding to the second user according to the confirmation success result.
- a payment device comprising:
- the first receiving module is adapted to receive the payment request sent by the merchant terminal and carrying the biometric information of the first user;
- the determining module is adapted to determine the second user associated with the first user's biometrics based on the first user's biometrics information
- the generating module is adapted to generate payment to be confirmed information according to the payment request
- the first sending module is adapted to send payment to be confirmed information to the client corresponding to the second user for payment operation.
- a payment confirmation device comprising:
- the second receiving module is adapted to receive payment-to-confirm information generated and sent by the server according to the payment request; wherein, the server determines the biometric information related to the first user according to the payment request sent by the merchant and carrying the biometric information of the first user The second user associated with the feature;
- the second sending module is adapted to send a successful confirmation result to the server according to the payment confirmation operation performed by the second user, so that the server can perform deduction processing from the payment account corresponding to the second user according to the successful confirmation result.
- a computing device including: a processor, a memory, a communication interface, and a communication bus.
- the processor, the memory, and the communication interface complete communication with each other through the communication bus;
- the memory is used to store at least one executable instruction, and the executable instruction causes the processor to perform the operation corresponding to the above payment method.
- a non-volatile computer-readable storage medium in which at least one executable instruction is stored, and the executable instruction causes a processor to perform an operation corresponding to the payment method described above.
- a computer program product including a computer program stored on a non-volatile computer storage medium, the computer program including program instructions, when the program instructions are executed by a processor To enable the processor to perform the operation corresponding to the above payment method.
- a computing device including: a processor, a memory, a communication interface, and a communication bus, and the processor, the memory, and the communication interface complete communication with each other through the communication bus;
- the memory is used to store at least one executable instruction, and the executable instruction causes the processor to perform the operation corresponding to the above payment confirmation method.
- a non-volatile computer-readable storage medium in which at least one executable instruction is stored in the storage medium, and the executable instruction causes the processor to perform an operation corresponding to the payment confirmation method described above.
- a computer program product including a computer program stored on a non-volatile computer storage medium, the computer program including program instructions, when the program instructions are executed by a processor , The processor is caused to perform the operation corresponding to the above payment confirmation method.
- the technical solution provided by the present disclosure it is possible to determine the second user associated with the biometrics of the first user based on the biometric information of the first user in the payment request, generate payment confirmation information, and send the payment confirmation information to the second
- the client corresponding to the user performs the payment operation, which enables the second user to monitor the payment operation of the first user, so that the second user can conveniently pay for the first user remotely; and, the first user does not need to carry cash or a mobile terminal Payment can be completed conveniently, which simplifies the payment operation, saves time spent in the payment process, improves the convenience of payment, greatly improves the user experience and payment efficiency, and optimizes the payment method. Very good This solves the problem that the first user will not use the mobile terminal for payment operations.
- FIG. 1 shows a schematic flowchart of a payment method according to an embodiment of the present disclosure
- FIG. 2 shows a schematic flowchart of a payment confirmation method according to an embodiment of the present disclosure
- FIG. 3 shows a structural block diagram of a payment device according to an embodiment of the present disclosure
- FIG. 4 shows a structural block diagram of a payment confirmation device according to an embodiment of the present disclosure
- FIG. 5 shows a schematic structural diagram of a computing device according to an embodiment of the present disclosure.
- FIG. 1 shows a schematic flowchart of a payment method according to an embodiment of the present disclosure. As shown in FIG. 1, the method includes the following steps:
- Step S100 Receive a payment request that carries the biometric information of the first user and sent by the merchant.
- the merchant terminal may be a terminal device installed in a supermarket store, a restaurant, etc. that has functions such as camera shooting and transaction settlement.
- the first user wants to perform transaction settlement in the store, the first user only needs to stand in front of the merchant side in the store, and the merchant side collects the first user biometric information.
- the first user may be a user who needs to be monitored, such as an elderly person or a child, but it is not limited to the above-mentioned users.
- the first user biometric information may include a first user facial image, a first user video information, and/or a first user voice information.
- the old man as the first user for example, when the old man picks up the goods in the supermarket and needs to check out, there is no need to carry cash or mobile phone, just stand in front of the merchant terminal (such as the cash register terminal) in the supermarket, and the merchant terminal collects the old man To obtain the biometric information of the first user.
- the first user's biometric information is the first user's video information
- the old man can describe in the video how much money he needs to buy in which supermarket, and so on.
- the old man can not speak in the video, just make a blink, etc. action.
- the merchant side adds the collected first user biometric information to the payment request, so that the payment request carries the first user biometric information, and in addition, the payment request can also carry the merchant terminal ID, transaction shop, transaction commodity, transaction Information such as amount and/or transaction time is not limited here.
- the merchant sends the payment request carrying the biometric information of the first user to the server, so that the server determines the second user associated with the biometric of the first user according to the biometric information of the first user.
- the second user refers to a user who is used to monitor the first user, and may specifically be children of the elderly, parents of children, and so on.
- Step S101 Determine a second user associated with the first user's biometrics based on the first user's biometrics information.
- the server After receiving the payment request sent by the merchant, the server determines the second user associated with the biometrics of the first user according to the biometric information of the first user. In order to facilitate the server to determine the second user associated with the first user's biometrics based on the first user's biometrics, the server needs to collect the first user's biometrics in advance and use the collected first user's biometrics to build a database. Specifically, the server receives the biometrics of the first user sent by the client corresponding to the second user, and then verifies the biometrics of the first user. After the verification is passed, the biometrics of the first user are stored in the database, and The first user biometric is bound to the second user.
- the client corresponding to the second user may be a terminal device such as a mobile phone of the second user.
- the first user's biometrics can be collected using camera devices, fingerprint collection devices, etc., where the first user's biometrics can include: facial features, voice features, fingerprint features, hand shapes Characteristics and/or iris characteristics, etc.
- the client corresponding to the second user sends the collected biometrics of the first user to the server; the server receives the biometrics of the first user sent by the client corresponding to the second user, and uses a preset feature verification algorithm for the first user Verify the biometrics; if the verification passes, store the biometrics of the first user in the database, bind the biometrics of the first user to the second user, and send the verification to the client corresponding to the second user Successful result; if the verification fails, the verification failure result is sent to the client corresponding to the second user, so that the second user learns the verification failure result and collects the first user's biometrics again.
- the second user also needs to use the client corresponding to the second user to set the payment account and payment method.
- the set payment account may be the payment account of the second user or the payment account of the first user, which is not limited herein.
- the payment method can be direct payment or payment after confirmation.
- the server After receiving the payment request sent by the merchant, the server extracts the first user biometrics from the first user biometrics information, and determines whether the user biometrics matching the first user biometrics are stored in the database.
- the biometrics identification technology in the prior art can be used to match the biometrics of the first user with the biometrics of the user stored in the database to find out whether there are biometrics of the user that match the biometrics of the first user in the database.
- the user bound to the matching user biometrics is determined to be the second user; if it is determined that the database is not stored with the first user's biometrics If the user's biological characteristics match the user's biological characteristics, payment failure information is returned to the merchant.
- the merchant receives and displays the payment failure information returned by the server.
- the first user can choose to pay in cash or other methods, or use the merchant to re-collect the first user's biometric information and send it to the server. Send a payment request carrying biometric information of the first user.
- Step S102 Generate payment to be confirmed information according to the payment request, and send the payment to be confirmed information to the client corresponding to the second user for payment operation.
- the payment to be confirmed information needs to be generated according to the payment request, and the payment to be confirmed information is sent to the customer corresponding to the second user At the end, the second user confirms the payment to be confirmed.
- the first user biometric information includes: first user video information, where the first user video information includes multiple video frame images, and at least one video frame image can be extracted from the first user video information; and/ Or, generate a playback address of the first user's video information; and then generate payment to be confirmed information carrying at least one video frame image and/or the playback address of the first user's video information.
- a person skilled in the art may set the number of extracted video frame images according to actual needs, which is not limited here.
- the server sends the payment confirmation information to the client corresponding to the second user.
- the information to be confirmed for payment may be presented in the form of a notification message or the like.
- the second user confirms the information to be confirmed for payment. Specifically, it can verify whether the first user displayed in at least one video frame image is his associated user, and/or access the playback address of the first user's video information to view The first user video information to confirm whether the first user displayed in the first user video information is its own associated user.
- payment to be confirmed information carrying at least one video frame image and/or the playback address of the first user's video information is generated, and payment to be confirmed information carrying the first user's video information is not directly generated,
- the payment to be confirmed information carries at least one video frame image
- the second user can conveniently and quickly confirm the identity of the first user by viewing the video frame image;
- the payment to be confirmed information carries the playback of the first user video information At the address, the second user can conveniently view the video information of the first user by accessing the playback address.
- the second user can choose whether to access the playback address according to his own confirmation requirements. If the second user can clearly confirm whether the first user in the video frame image is his associated user by viewing the video frame image, then the second user does not need to access the playback address of the first user video information to view the first user Video information.
- the payment request may also carry: first user voice information; in step S102, a playback address carrying at least one video frame image and/or first user video information, and a first user voice information may be generated Payment information to be confirmed.
- the second user can confirm the identity of the first user more conveniently and accurately according to the payment to be confirmed information.
- the second user may verify whether the first user displayed in at least one video frame image is his associated user, and/or access the playback address of the first user video information to view the first user video information to confirm the first user Whether the first user displayed in the video information is his own associated user, and it is verified whether the first user corresponding to the voice information of the first user is his own associated user.
- the second user When the second user confirms that the first user is his associated user, the second user performs the payment confirmation operation through its corresponding client, then the client corresponding to the second user sends the service to the service according to the payment confirmation operation performed by the second user
- the terminal sends a confirmation success result; when the second user confirms that the first user is not his associated user, the second user performs a payment rejection operation through its corresponding client, then the client corresponding to the second user performs Reject the payment operation and send a confirmation result to the server.
- the server When the server receives the confirmation result sent by the client corresponding to the second user, it deducts the payment from the payment account corresponding to the second user, thereby realizing the monitoring of the payment operation of the first user by the second user, so that The first user does not need to use cash or his mobile phone to pay, but the second user pays for it remotely.
- the server In order to facilitate the merchant to know the payment result, after the deduction is successful, the server returns the successful payment processing result to the merchant.
- the merchant displays the successful payment processing result on its display screen, indicating that the payment has been successfully paid, then the first user can leave The store is gone.
- the elderly and children do not need to carry cash or mobile terminals. They only need to stand in front of the merchant to collect the user's biometric information, and the payment can be completed after the associated user confirms, effectively simplifying the elderly and children. Waiting for the required payment operation improves the efficiency of payment and the convenience of payment, and also helps to shorten the waiting time for payment in line.
- the method may further include: establishing a video call connection or a voice call connection between the merchant terminal and the client corresponding to the second user. Assuming that after the server sends the payment to be confirmed information to the client corresponding to the second user, the confirmation success result sent by the client corresponding to the second user has not been received within the preset time, then the merchant and the second A video call connection or a voice call connection is established between the client corresponding to the user, so that the first user can make a call with the second user, and remind the second user to perform the payment confirmation operation as soon as possible.
- the method may further include: when receiving the confirmation failure result sent by the client corresponding to the second user, rejecting the payment request, and returning the payment failure processing result to the merchant.
- the client corresponding to the second user sends a confirmation failure result to the server according to the payment rejection operation performed by the second user.
- the server receives the confirmation failure result sent by the client corresponding to the second user, the server rejects the payment request and returns the payment failure processing result to the merchant, then the merchant displays the payment failure processing result on its display screen, It means that the payment was not successful.
- the first user can choose cash payment or other payment methods.
- the payment method set by the second user associated with the biometrics of the first user is direct payment, it means that the deduction process can be performed directly from the payment account corresponding to the second user without the second user confirming the server. After success, return the successful payment processing result to the merchant.
- the payment method provided in this embodiment can determine the second user associated with the biometrics of the first user according to the biometric information of the first user in the payment request, generate payment confirmation information, and send the payment confirmation information to the second
- the client corresponding to the user performs the payment operation, which enables the second user to monitor the payment operation of the first user, so that the second user can conveniently pay for the first user remotely; and, the first user does not need to carry cash or a mobile terminal Payment can be completed conveniently, which simplifies the payment operation, saves time spent in the payment process, improves the convenience of payment, greatly improves the user experience and payment efficiency, and optimizes the payment method. Very good This solves the problem that the first user will not use the mobile terminal for payment operations.
- FIG. 2 shows a schematic flowchart of a payment confirmation method according to an embodiment of the present disclosure. As shown in FIG. 2, the method includes the following steps:
- Step S200 Receive payment-to-confirm information generated and sent by the server according to the payment request.
- the server determines the second user associated with the biometrics of the first user according to the payment request sent by the merchant and carrying the biometric information of the first user. Specifically, the server extracts the biometrics of the first user from the biometric information of the first user, and determines whether the biometrics of the user matching the biometrics of the first user are stored in the database, and if the biometrics of the first user are stored in the database If the biometrics of the user whose biometrics match, the user bound to the biometrics of the matched user is determined to be the second user.
- the server generates payment to-be-confirmed information according to the payment request and sends payment-to-confirm information to the client corresponding to the second user. Then, in step S200, the client corresponding to the second user receives the payment-to-confirm information sent by the server.
- step S201 according to the payment confirmation operation performed by the second user, a successful confirmation result is sent to the server for the server to perform the deduction process from the payment account corresponding to the second user according to the successful confirmation result.
- the payment to be confirmed information may carry at least one video frame image and/or the playback address of the first user's video information, then in step S201, according to the second user pass the verification of at least one video frame image and/or by accessing the first A user's video information playback address performs a payment confirmation operation after viewing the first user's video information, and sends a confirmation success result to the server.
- the payment to be confirmed information is displayed in the client corresponding to the second user, the second user may verify whether the first user displayed in at least one video frame image is his own associated user, and/or Or, access the playback address of the first user video information to view the first user video information to confirm whether the first user displayed in the first user video information is its own associated user.
- the second user When the second user confirms that the first user is his associated user, the second user performs the payment confirmation operation through its corresponding client, then the client corresponding to the second user sends the service to the service according to the payment confirmation operation performed by the second user
- the terminal sends a confirmation success result.
- the information to be confirmed for payment may also carry the voice information of the first user, so that the second user can confirm the identity of the first user more conveniently and accurately.
- step S201 after the second user verifies at least one video frame image and/or accesses the playback address of the first user's video information to view the first user's video information and the first user's voice information is executed
- the payment confirmation operation is sent to the server to confirm the successful result.
- the second user may verify whether the first user displayed in at least one video frame image is his associated user, and/or access the playback address of the first user video information to view the first user video information to confirm the first user Whether the first user displayed in the video information is his own associated user, and it is verified whether the first user corresponding to the voice information of the first user is his own associated user.
- the second user confirms that the first user is his associated user, the second user performs the payment confirmation operation through its corresponding client, then the client corresponding to the second user sends the service to the service according to the payment confirmation operation performed by the second user
- the terminal sends a confirmation success result.
- the payment to be confirmed information may also carry information such as transaction commodities and transaction amounts.
- the second user may verify whether the transaction commodities and transaction amounts are abnormal, which helps ensure that the commodities purchased by the first user will not appear problem.
- the second user when the second user confirms that the first user is not his own associated user, or there is an abnormality in the transaction commodities or transaction amount, the second user performs a refusal payment operation through its corresponding client, then the second user’s corresponding The client sends a confirmation failure result to the server according to the payment rejection operation performed by the second user.
- the method may further include: obtaining Collect the obtained first user biometrics and send the first user biometrics to the server for the server to verify the first user biometrics. After the verification is passed, the first user biometrics are stored in the database And bind the biometrics of the first user with the second user.
- the first user biometrics are collected by using a camera device, a fingerprint collection device, etc., and the client corresponding to the second user sends the collected first user biometrics to the server; the server receives the client corresponding to the second user.
- the server receives the client corresponding to the second user.
- the server uses a preset feature verification algorithm to verify the first user’s biometrics; if the verification passes, the server stores the first user’s biometrics in the database and compares the first user’s biometrics with The second user binds and sends a verification success result to the client corresponding to the second user; if the verification fails, the server sends a verification failure result to the client corresponding to the second user, so that the second user Knowing the result of the verification failure, the biometrics of the first user are collected again.
- the payment confirmation method provided in this embodiment receives the payment to-be-confirmed information generated and sent by the server according to the payment request, and sends a successful confirmation result to the server according to the payment confirmation operation performed by the second user for the server to confirm the success
- deduction processing is performed from the payment account corresponding to the second user, which realizes the second user's monitoring of the payment operation of the first user, ensures that the goods purchased by the first user will not have problems, and effectively reduces fraud Situation, and can also conveniently make remote payment for the first user, effectively simplifying the payment operation of the first user and improving the convenience of payment.
- FIG. 3 shows a structural block diagram of a payment device according to an embodiment of the present disclosure, and the device may be provided in a server.
- the device 300 includes: a first receiving module 310, a determining module 320, a generating module 330, and a first sending module 340.
- the first receiving module 310 is adapted to: receive the payment request sent by the merchant terminal and carrying the biometric information of the first user.
- the determining module 320 is adapted to: according to the first user biometric information, determine the second user associated with the first user biometric.
- the determining module 320 is further adapted to: extract the first user biometrics from the first user biometrics information; determine whether user biometrics matching the first user biometrics are stored in the database, and if so, determine the The user bound to the matched user biometrics is the second user.
- the generating module 330 is adapted to: generate payment pending confirmation information according to the payment request.
- the first user biometric information includes: first user video information; the generating module 330 is further adapted to: extract at least one video frame image from the first user video information; and/or, generate the first user video information Playback address; generate payment to be confirmed information carrying the playback address of at least one video frame image and/or first user video information.
- the biometric information of the first user may further include: voice information of the first user.
- the generating module 330 is further adapted to: generate a playback address carrying at least one video frame image and/or first user video information, and payment to be confirmed information of the first user voice information.
- the first sending module 340 is adapted to: send payment to be confirmed information to the client corresponding to the second user for payment operation.
- the first sending module 340 is further adapted to: if it is determined that the user biometrics matching the first user biometrics are not stored in the database, return payment failure information to the merchant.
- the first receiving module 310 is further adapted to receive the confirmation success result or the confirmation failure result sent by the client corresponding to the second user.
- the apparatus may further include: a payment processing module 350, adapted to perform a deduction process from the payment account corresponding to the second user when receiving a successful confirmation result sent by the client corresponding to the second user; when receiving When the confirmation failure result sent by the client corresponding to the second user is rejected, the payment request is rejected; the first sending module 340 is further adapted to: when the deduction processing is successful, return the payment success processing result to the merchant; when the second user is received When the corresponding client sends a confirmation failure result, the payment failure processing result is returned to the merchant.
- a payment processing module 350 adapted to perform a deduction process from the payment account corresponding to the second user when receiving a successful confirmation result sent by the client corresponding to the second user; when receiving When the confirmation failure result sent by the client corresponding to the second user is rejected, the payment request is rejected; the first sending module 340 is further adapted to: when the deduction processing is successful, return the payment success processing result to the merchant; when the second user is received When the corresponding client sends a confirmation failure result, the payment
- the first receiving module 310 is further adapted to: receive the first user biometrics sent by the client corresponding to the second user; the device 300 further includes: a verification storage module 360, adapted to perform the first user biometrics After verification, the biometrics of the first user are stored in the database, and the biometrics of the first user are bound to the second user.
- a verification storage module 360 adapted to perform the first user biometrics After verification, the biometrics of the first user are stored in the database, and the biometrics of the first user are bound to the second user.
- the device 300 further includes a call connection module 370, which is adapted to establish a video call connection or a voice call connection between the merchant and the client corresponding to the second user.
- a call connection module 370 which is adapted to establish a video call connection or a voice call connection between the merchant and the client corresponding to the second user.
- the payment device provided in this embodiment can determine the second user associated with the biometrics of the first user according to the biometric information of the first user in the payment request, generate payment confirmation information, and send the payment confirmation information to the second
- the client corresponding to the user performs the payment operation, which enables the second user to monitor the payment operation of the first user, so that the second user can conveniently pay for the first user remotely; and, the first user does not need to carry cash or a mobile terminal Payment can be completed conveniently, which simplifies the payment operation, saves time spent in the payment process, improves the convenience of payment, greatly improves the user experience and payment efficiency, and optimizes the payment method. Very good This solves the problem that the first user will not use the mobile terminal for payment operations.
- FIG. 4 shows a structural block diagram of a payment confirmation device according to an embodiment of the present disclosure.
- the device may be provided in a client corresponding to a second user.
- the device 400 includes: a second receiving module 410 and a second sending module 420.
- the second receiving module 410 is adapted to receive payment to be confirmed information generated and sent by the server according to the payment request.
- the server determines the second user associated with the biometrics of the first user according to the payment request sent by the merchant and carrying the biometric information of the first user.
- the second sending module 420 is adapted to send a confirmation success result to the server according to the payment confirmation operation performed by the second user, so that the server can perform a deduction process from the payment account corresponding to the second user according to the confirmation success result.
- the payment to-be-confirmed information carries at least one video frame image and/or a playback address of the first user's video information;
- the second sending module 420 is further adapted to: verify at least one video frame image and /Or a payment confirmation operation performed after viewing the first user video information by accessing the playback address of the first user video information, and sending a confirmation success result to the server.
- the payment to be confirmed information also carries the first user's voice information;
- the second sending module 420 is further adapted to: according to the second user by verifying at least one video frame image and/or by accessing the first user's video information for playback The address checks the first user's video information and the payment confirmation operation performed after verifying the first user's voice information, and sends a confirmation success result to the server.
- the device 400 further includes: an obtaining module 430, adapted to obtain the collected first user biometrics.
- the second sending module 420 is further adapted to send the first user's biometrics to the server for the server to verify the first user's biometrics. After the verification is passed, the first user's biometrics are stored in the database, And bind the biometrics of the first user with the second user.
- the payment confirmation device receives the payment to-be-confirmed information generated and sent by the server according to the payment request, and sends a confirmation success result to the server according to the payment confirmation operation performed by the second user for the server to confirm the success
- deduction processing is performed from the payment account corresponding to the second user, which realizes the second user's monitoring of the payment operation of the first user, ensures that the goods purchased by the first user will not have problems, and effectively reduces fraud Situation, and can also conveniently make remote payment for the first user, effectively simplifying the payment operation of the first user and improving the convenience of payment.
- the present disclosure also provides a non-volatile computer-readable storage medium that stores at least one executable instruction that can execute the payment method in any of the method embodiments described above.
- FIG. 5 shows a schematic structural diagram of a computing device according to an embodiment of the present disclosure. Specific embodiments of the present disclosure do not limit the specific implementation of the computing device.
- the computing device may include a processor 502, communications interface 504, memory 506, and a communication bus 508.
- the processor 502, the communication interface 504, and the memory 506 communicate with each other through the communication bus 508.
- the communication interface 504 is used to communicate with network elements of other devices such as clients or other servers.
- the processor 502 is used to execute the program 510, and specifically can execute relevant steps in the foregoing payment method embodiment.
- the program 510 may include a program code, and the program code includes a computer operation instruction.
- the processor 502 may be a central processing unit CPU, or a specific integrated circuit ASIC (Application Specific Integrated Circuit), or one or more integrated circuits configured to implement embodiments of the present disclosure.
- the one or more processors included in the computing device may be processors of the same type, such as one or more CPUs, or may be processors of different types, such as one or more CPUs and one or more ASICs.
- the memory 506 is used to store the program 510.
- the memory 506 may include a high-speed RAM memory, and may also include a non-volatile memory (non-volatile memory), for example, at least one magnetic disk memory.
- the program 510 may specifically be used to cause the processor 502 to execute the payment method in any of the above method embodiments.
- each step in the program 510 reference may be made to the corresponding description in the corresponding steps and units in the foregoing payment embodiment, and details are not described herein.
- the specific working processes of the devices and modules described above can refer to the corresponding process descriptions in the foregoing method embodiments, which are not repeated here.
- the present disclosure also provides a non-volatile computer-readable storage medium that stores at least one executable instruction that can execute the payment confirmation method in any of the foregoing method embodiments .
- the present disclosure also provides a computing device, including: a processor, a memory, a communication interface, and a communication bus.
- the processor, the memory, and the communication interface communicate with each other through the communication bus; the memory is used to store at least one executable instruction.
- the execution instruction causes the processor to perform the operation corresponding to the above payment confirmation method.
- the structural schematic diagram of the computing device is the same as the structural schematic diagram of the computing device shown in FIG. 5 and will not be repeated here.
- modules in the device in the embodiment can be adaptively changed and set in one or more devices different from the embodiment.
- the modules or units or components in the embodiments may be combined into one module or unit or component, and in addition, they may be divided into a plurality of submodules or subunits or subcomponents. Except that at least some of such features and/or processes or units are mutually exclusive, all features disclosed in this specification (including the accompanying claims, abstract and drawings) and any method so disclosed may be adopted in any combination All processes or units of equipment are combined. Unless expressly stated otherwise, each feature disclosed in this specification (including the accompanying claims, abstract and drawings) may be replaced by alternative features serving the same, equivalent or similar purpose.
- Various component embodiments of the present disclosure may be implemented in hardware, or implemented in software modules running on one or more processors, or implemented in a combination thereof.
- a microprocessor or a digital signal processor (DSP) may be used to implement some or all functions of some or all components in the embodiments of the present disclosure.
- DSP digital signal processor
- the present disclosure may also be implemented as a device or device program (eg, computer program and computer program product) for performing part or all of the methods described herein.
- Such a program implementing the present disclosure may be stored on a computer-readable medium, or may have the form of one or more signals.
- Such a signal can be downloaded from an Internet website, or provided on a carrier signal, or provided in any other form.
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Abstract
Description
Claims (30)
- 一种支付方法,所述方法包括:A payment method, the method includes:接收商户端发送的携带有第一用户生物特征信息的支付请求;Receiving the payment request sent by the merchant terminal and carrying the biometric information of the first user;根据所述第一用户生物特征信息,确定与第一用户生物特征相关联的第二用户;Determine a second user associated with the first user biometrics according to the first user biometrics information;根据所述支付请求,生成支付待确认信息,并将所述支付待确认信息发送给所述第二用户对应的客户端进行支付操作。According to the payment request, generate payment to be confirmed information, and send the payment to be confirmed information to the client corresponding to the second user for payment operation.
- 根据权利要求1所述的方法,其中,所述根据所述第一用户生物特征信息,确定与第一用户生物特征相关联的第二用户进一步包括:The method of claim 1, wherein the determining the second user associated with the first user biometrics based on the first user biometrics information further comprises:从所述第一用户生物特征信息中提取第一用户生物特征;Extract the first user biometrics from the first user biometrics information;判断数据库中是否存储有与所述第一用户生物特征相匹配的用户生物特征,若是,则确定该相匹配的用户生物特征所绑定的用户为第二用户。Determine whether the user biometrics matching the first user biometrics are stored in the database, and if so, determine that the user bound to the matching user biometrics is the second user.
- 根据权利要求2所述的方法,其中,所述方法还包括:The method of claim 2, wherein the method further comprises:若判断出数据库中未存储有与所述第一用户生物特征相匹配的用户生物特征,则向所述商户端返回支付失败信息。If it is determined that no user biometrics matching the first user biometrics are stored in the database, payment failure information is returned to the merchant.
- 根据权利要求1-3任一项所述的方法,其中,所述第一用户生物特征信息包括:第一用户视频信息;所述根据所述支付请求,生成支付待确认信息进一步包括:The method according to any one of claims 1 to 3, wherein the first user biometric information includes: first user video information; and the generating payment to be confirmed information according to the payment request further includes:从所述第一用户视频信息中抽取至少一张视频帧图像;和/或,生成所述第一用户视频信息的播放地址;Extracting at least one video frame image from the first user video information; and/or, generating a playback address of the first user video information;生成携带有所述至少一张视频帧图像和/或所述第一用户视频信息的播放地址的支付待确认信息。Generate payment to be confirmed information carrying the at least one video frame image and/or the playback address of the first user video information.
- 根据权利要求4所述的方法,其中,所述第一用户生物特征信息还包括:第一用户语音信息;The method according to claim 4, wherein the first user biometric information further comprises: first user voice information;所述生成携带有所述至少一张视频帧图像和/或所述第一用户视频信息的播放地址的支付待确认信息进一步包括:生成携带有所述至少一张视频帧图像和/或所述第一用户视频信息的播放地址、以及所述第一用户语音信息的支付待确认信息。The generating payment to be confirmed information carrying the playback address of the at least one video frame image and/or the first user video information further includes: generating the at least one video frame image and/or the The playback address of the first user's video information and the payment to be confirmed information of the first user's voice information
- 根据权利要求1-5任一项所述的方法,其中,在所述接收商户端发送的携带有第一用户生物特征信息的支付请求之前,所述方法还包括:The method according to any one of claims 1 to 5, wherein before the receiving the payment request sent by the merchant end and carrying the biometric information of the first user, the method further comprises:接收所述第二用户对应的客户端发送的第一用户生物特征;Receiving the first user biometrics sent by the client corresponding to the second user;对所述第一用户生物特征进行校验,校验通过后,将所述第一用户生物特征存储至数据库中,并将所述第一用户生物特征与所述第二用户进行绑定。Verify the biometrics of the first user, and after the verification is passed, store the biometrics of the first user in a database, and bind the biometrics of the first user to the second user.
- 根据权利要求1-6任一项所述的方法,其中,在将所述支付待确认信息发送给所述第二用户对应的客户端进行支付操作之后,所述方法还包括:The method according to any one of claims 1 to 6, wherein after sending the payment to-be-confirmed information to a client corresponding to the second user to perform a payment operation, the method further comprises:在所述商户端与所述第二用户对应的客户端之间建立视频通话连接或语音通话连接。Establishing a video call connection or a voice call connection between the merchant terminal and the client corresponding to the second user.
- 根据权利要求1-7任一项所述的方法,其中,所述方法还包括:The method according to any one of claims 1-7, wherein the method further comprises:当接收到所述第二用户对应的客户端发送的确认成功结果时,从所述第二用户对应的支付账户中进行扣款处理;When receiving a successful confirmation result sent by the client corresponding to the second user, perform a deduction process from the payment account corresponding to the second user;当接收到所述第二用户对应的客户端发送的确认失败结果时,拒绝所述支付请求。When receiving the confirmation failure result sent by the client corresponding to the second user, the payment request is rejected.
- 一种支付确认方法,所述方法包括:A payment confirmation method, the method includes:接收服务端根据支付请求生成并发送的支付待确认信息;其中,所述服务端根据商户端发送的携带有第一用户生物特征信息的支付请求而确定的与第一用户生物特征相关联的第二用户;Receiving payment-to-confirm information generated and sent by the server according to the payment request; wherein the server determines, according to the payment request sent by the merchant and carrying the biometric information of the first user, the first Two users根据第二用户执行的支付确认操作,向所述服务端发送确认成功结果,以供所述服务端根据所述确认成功结果从所述第二用户对应的支付账户中进行扣款处理。According to the payment confirmation operation performed by the second user, a confirmation success result is sent to the server for the server to perform a deduction process from the payment account corresponding to the second user according to the confirmation success result.
- 根据权利要求9所述的方法,其中,所述支付待确认信息携带有至少一张视频帧图像和/或所述第一用户视频信息的播放地址;The method according to claim 9, wherein the payment to be confirmed information carries at least one video frame image and/or a playback address of the first user video information;所述根据第二用户执行的支付确认操作,向所述服务端发送确认成功结果进一步包括:根据第二用户通过验证所述至少一张视频帧图像和/或通过访问所述第一用户视频信息的播放地址查看第一用户视频信息后执行的支付确认操作,向所述服务端发送确认成功结果。The sending a confirmation success result to the server according to the payment confirmation operation performed by the second user further includes: according to the second user by verifying the at least one video frame image and/or by accessing the first user video information The payment confirmation operation performed after viewing the video information of the first user by the broadcast address of the server sends a confirmation success result to the server.
- 根据权利要求10所述的方法,其中,所述支付待确认信息还携带有第一用户语音信息;The method according to claim 10, wherein the payment to-be-confirmed information further carries voice information of the first user;所述根据第二用户执行的支付确认操作,向所述服务端发送确认成功结果进一步包括:根据第二用户通过验证所述至少一张视频帧图像和/或通过访问所述第一用户视频信息的播放地址查看第一用户视频信息、以及通过验证所述第一用户语音信息后执行的支付确认操作,向所述服务端发送确认成功结果。The sending a confirmation success result to the server according to the payment confirmation operation performed by the second user further includes: according to the second user by verifying the at least one video frame image and/or by accessing the first user video information To view the first user's video information and the payment confirmation operation performed after verifying the first user's voice information, and send a confirmation success result to the server.
- 根据权利要求9-11任一项所述的方法,其中,在所述接收服务端根 据支付请求生成并发送的支付待确认信息之前,所述方法还包括:The method according to any one of claims 9-11, wherein before the receiving server generates and sends payment to be confirmed information according to the payment request, the method further comprises:获取采集得到的第一用户生物特征,并将所述第一用户生物特征发送至所述服务端,以供所述服务端对所述第一用户生物特征进行校验,校验通过后,将所述第一用户生物特征存储至数据库中,并将所述第一用户生物特征与所述第二用户进行绑定。Obtain the collected first user biometrics, and send the first user biometrics to the server for the server to verify the first user biometrics. After the verification is passed, the The first user biometrics is stored in a database, and the first user biometrics is bound to the second user.
- 一种支付装置,所述装置包括:A payment device, the device includes:第一接收模块,适于接收商户端发送的携带有第一用户生物特征信息的支付请求;The first receiving module is adapted to receive the payment request sent by the merchant terminal and carrying the biometric information of the first user;确定模块,适于根据所述第一用户生物特征信息,确定与第一用户生物特征相关联的第二用户;A determining module, adapted to determine a second user associated with the first user's biometrics based on the first user's biometrics information;生成模块,适于根据所述支付请求,生成支付待确认信息;A generating module, adapted to generate payment to be confirmed information according to the payment request;第一发送模块,适于将所述支付待确认信息发送给所述第二用户对应的客户端进行支付操作。The first sending module is adapted to send the payment to-be-confirmed information to the client corresponding to the second user for payment operation.
- 根据权利要求13所述的装置,其中,所述确定模块进一步适于:The apparatus according to claim 13, wherein the determination module is further adapted to:从所述第一用户生物特征信息中提取第一用户生物特征;Extract the first user biometrics from the first user biometrics information;判断数据库中是否存储有与所述第一用户生物特征相匹配的用户生物特征,若是,则确定该相匹配的用户生物特征所绑定的用户为第二用户。Determine whether the user biometrics matching the first user biometrics are stored in the database, and if so, determine that the user bound to the matching user biometrics is the second user.
- 根据权利要求14所述的装置,其中,所述第一发送模块进一步适于:The apparatus according to claim 14, wherein the first sending module is further adapted to:若判断出数据库中未存储有与所述第一用户生物特征相匹配的用户生物特征,则向所述商户端返回支付失败信息。If it is determined that no user biometrics matching the first user biometrics are stored in the database, payment failure information is returned to the merchant.
- 根据权利要求13-15任一项所述的装置,其中,所述第一用户生物特征信息包括:第一用户视频信息;所述生成模块进一步适于:The apparatus according to any one of claims 13-15, wherein the first user biometric information includes: first user video information; and the generation module is further adapted to:从所述第一用户视频信息中抽取至少一张视频帧图像;和/或,生成所述第一用户视频信息的播放地址;Extracting at least one video frame image from the first user video information; and/or, generating a playback address of the first user video information;生成携带有所述至少一张视频帧图像和/或所述第一用户视频信息的播放地址的支付待确认信息。Generate payment to be confirmed information carrying the at least one video frame image and/or the playback address of the first user video information.
- 根据权利要求16所述的装置,其中,所述第一用户生物特征信息还包括:第一用户语音信息;The apparatus according to claim 16, wherein the first user biometric information further includes: first user voice information;所述生成模块进一步适于:生成携带有所述至少一张视频帧图像和/或所述第一用户视频信息的播放地址、以及所述第一用户语音信息的支付待确认信息。The generating module is further adapted to generate a playback address carrying the at least one video frame image and/or the first user video information, and payment to be confirmed information of the first user voice information.
- 根据权利要求13-17任一项所述的装置,其中,所述第一接收模块进一步适于:接收所述第二用户对应的客户端发送的第一用户生物特征;The apparatus according to any one of claims 13-17, wherein the first receiving module is further adapted to: receive the first user biometrics sent by the client corresponding to the second user;所述装置还包括:校验存储模块,适于对所述第一用户生物特征进行校验,校验通过后,将所述第一用户生物特征存储至数据库中,并将所述第一用户生物特征与所述第二用户进行绑定。The device further includes a verification storage module adapted to verify the biometrics of the first user. After the verification, the biometrics of the first user are stored in a database and the first user is stored The biometric is bound to the second user.
- 根据权利要求13-18任一项所述的装置,其中,所述装置还包括:The device according to any one of claims 13-18, wherein the device further comprises:通话连接模块,适于在所述商户端与所述第二用户对应的客户端之间建立视频通话连接或语音通话连接。The call connection module is adapted to establish a video call connection or a voice call connection between the merchant terminal and the client corresponding to the second user.
- 根据权利要求13-19任一项所述的装置,其中,所述装置还包括:支付处理模块,适于当接收到所述第二用户对应的客户端发送的确认成功结果时,从所述第二用户对应的支付账户中进行扣款处理;当接收到所述第二用户对应的客户端发送的确认失败结果时,拒绝所述支付请求。The apparatus according to any one of claims 13-19, wherein the apparatus further comprises: a payment processing module, adapted to receive a confirmation result sent by the client corresponding to the second user from the Charge processing is performed in the payment account corresponding to the second user; when a confirmation failure result sent by the client corresponding to the second user is received, the payment request is rejected.
- 一种支付确认装置,所述装置包括:A payment confirmation device, the device includes:第二接收模块,适于接收服务端根据支付请求生成并发送的支付待确认信息;其中,所述服务端根据商户端发送的携带有第一用户生物特征信息的支付请求而确定的与第一用户生物特征相关联的第二用户;The second receiving module is adapted to receive the payment to be confirmed information generated and sent by the server according to the payment request; wherein, the server is determined according to the payment request sent by the merchant and carries the biometric information of the first user. The second user associated with the user's biometrics;第二发送模块,适于根据第二用户执行的支付确认操作,向所述服务端发送确认成功结果,以供所述服务端根据所述确认成功结果从所述第二用户对应的支付账户中进行扣款处理。The second sending module is adapted to send a confirmation success result to the server according to the payment confirmation operation performed by the second user, so that the server can remove the payment account corresponding to the second user according to the confirmation success result Charge processing.
- 根据权利要求21所述的装置,其中,所述支付待确认信息携带有至少一张视频帧图像和/或所述第一用户视频信息的播放地址;The device according to claim 21, wherein the payment to be confirmed information carries at least one video frame image and/or a playback address of the first user video information;所述第二发送模块进一步适于:根据第二用户通过验证所述至少一张视频帧图像和/或通过访问所述第一用户视频信息的播放地址查看第一用户视频信息后执行的支付确认操作,向所述服务端发送确认成功结果。The second sending module is further adapted to: according to the payment confirmation performed by the second user after verifying the at least one video frame image and/or by accessing the playback address of the first user video information to view the first user video information Operation, sending a confirmation success result to the server.
- 根据权利要求22所述的装置,其中,所述支付待确认信息还携带有第一用户语音信息;The device according to claim 22, wherein the payment to-be-confirmed information further carries first user voice information;所述第二发送模块进一步适于:根据第二用户通过验证所述至少一张视频帧图像和/或通过访问所述第一用户视频信息的播放地址查看第一用户视频信息、以及通过验证所述第一用户语音信息后执行的支付确认操作,向所述服务端发送确认成功结果。The second sending module is further adapted to: view the first user video information according to the second user by verifying the at least one video frame image and/or by accessing the playback address of the first user video information, and pass the verification The payment confirmation operation performed after the voice information of the first user is performed, and a successful confirmation result is sent to the server.
- 根据权利要求21-23任一项所述的装置,其中,所述装置还包括:获取模块,适于获取采集得到的第一用户生物特征;The apparatus according to any one of claims 21 to 23, wherein the apparatus further comprises: an acquisition module adapted to acquire the collected first user biometrics;所述第二发送模块进一步适于:将所述第一用户生物特征发送至所述服务端,以供所述服务端对所述第一用户生物特征进行校验,校验通过后,将所述第一用户生物特征存储至数据库中,并将所述第一用户生物特征与所述第二用户进行绑定。The second sending module is further adapted to send the first user biometrics to the server for the server to verify the first user biometrics. After the verification is passed, the The biometrics of the first user are stored in a database, and the biometrics of the first user are bound to the second user.
- 一种计算设备,包括:处理器、存储器、通信接口和通信总线,所述处理器、所述存储器和所述通信接口通过所述通信总线完成相互间的通信;A computing device includes: a processor, a memory, a communication interface, and a communication bus, and the processor, the memory, and the communication interface complete communication with each other through the communication bus;所述存储器用于存放至少一可执行指令,所述可执行指令使所述处理器执行如权利要求1-8中任一项所述的支付方法对应的操作。The memory is used to store at least one executable instruction that causes the processor to perform the operation corresponding to the payment method according to any one of claims 1-8.
- 一种非易失性计算机可读存储介质,所述存储介质中存储有至少一可执行指令,所述可执行指令使处理器执行如权利要求1-8中任一项所述的支付方法对应的操作。A non-volatile computer-readable storage medium, in which at least one executable instruction is stored, the executable instruction causes a processor to execute the payment method according to any one of claims 1-8 Operation.
- 一种计算机程序产品,其中,所述计算机程序产品包括存储在非易失性计算机存储介质上的计算机程序,所述计算机程序包括程序指令,当所述程序指令被处理器执行时,使所述处理器执行如权利要求1-8中任一项所述的支付方法对应的操作。A computer program product, wherein the computer program product includes a computer program stored on a non-volatile computer storage medium, the computer program includes program instructions, and when the program instructions are executed by a processor, the The processor performs the operation corresponding to the payment method according to any one of claims 1-8.
- 一种计算设备,包括:处理器、存储器、通信接口和通信总线,所述处理器、所述存储器和所述通信接口通过所述通信总线完成相互间的通信;A computing device includes: a processor, a memory, a communication interface, and a communication bus, and the processor, the memory, and the communication interface complete communication with each other through the communication bus;所述存储器用于存放至少一可执行指令,所述可执行指令使所述处理器执行如权利要求9-12中任一项所述的支付确认方法对应的操作。The memory is used to store at least one executable instruction that causes the processor to perform the operation corresponding to the payment confirmation method according to any one of claims 9-12.
- 一种非易失性计算机存可读储介质,所述非易失性计算机可读存储介质中存储有至少一可执行指令,所述可执行指令使处理器执行如权利要求9-12中任一项所述的支付确认方法对应的操作。A non-volatile computer-readable storage medium, at least one executable instruction is stored in the non-volatile computer-readable storage medium, the executable instruction causes a processor to execute any of claims 9-12 An operation corresponding to the payment confirmation method described in one item.
- 一种计算机程序产品,其中,所述计算机程序产品包括存储在非易失性计算机存储介质上的计算机程序,所述计算机程序包括程序指令,当所述程序指令被处理器执行时,使所述处理器执行如权利要求9-12中任一项所述的支付确认方法对应的操作。A computer program product, wherein the computer program product includes a computer program stored on a non-volatile computer storage medium, the computer program includes program instructions, and when the program instructions are executed by a processor, the The processor performs the operation corresponding to the payment confirmation method according to any one of claims 9-12.
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CN111355722B (en) * | 2020-02-25 | 2023-03-24 | 支付宝(杭州)信息技术有限公司 | Method, system and non-transitory storage medium for associating biological characteristics with virtual resources |
CN113592468B (en) * | 2021-07-12 | 2022-11-01 | 见面(天津)网络科技有限公司 | Online payment method and device based on two-dimensional code |
CN114936359B (en) * | 2022-07-20 | 2022-11-01 | 深圳市木浪云科技有限公司 | User authentication method and system based on biological person and social person |
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CN104077689A (en) * | 2013-10-30 | 2014-10-01 | 腾讯科技(深圳)有限公司 | Information verification method, relevant device and system |
US9269010B2 (en) * | 2008-07-14 | 2016-02-23 | Jumio Inc. | Mobile phone payment system using integrated camera credit card reader |
CN107800766A (en) * | 2017-08-18 | 2018-03-13 | 广州今也社教育科技有限公司 | A kind of approaches to IM and first terminal |
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US9269010B2 (en) * | 2008-07-14 | 2016-02-23 | Jumio Inc. | Mobile phone payment system using integrated camera credit card reader |
CN104077689A (en) * | 2013-10-30 | 2014-10-01 | 腾讯科技(深圳)有限公司 | Information verification method, relevant device and system |
CN107800766A (en) * | 2017-08-18 | 2018-03-13 | 广州今也社教育科技有限公司 | A kind of approaches to IM and first terminal |
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