WO2020156003A1 - 一种线下自助结算方法、装置和系统 - Google Patents

一种线下自助结算方法、装置和系统 Download PDF

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Publication number
WO2020156003A1
WO2020156003A1 PCT/CN2019/130011 CN2019130011W WO2020156003A1 WO 2020156003 A1 WO2020156003 A1 WO 2020156003A1 CN 2019130011 W CN2019130011 W CN 2019130011W WO 2020156003 A1 WO2020156003 A1 WO 2020156003A1
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Prior art keywords
target user
information
self
settlement
service
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Ceased
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English (en)
French (fr)
Inventor
李千元
贺武杰
张建伟
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Alibaba Group Holding Ltd
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Alibaba Group Holding Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/208—Input by product or record sensing, e.g. weighing or scanner processing
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/30—Individual registration on entry or exit not involving the use of a pass
    • G07C9/38—Individual registration on entry or exit not involving the use of a pass with central registration

Definitions

  • This specification relates to the technical field of computer software, and in particular to an offline self-service settlement method, device and system.
  • Equipping cashiers at the cash register for manual settlement is a traditional settlement mode, which can effectively avoid settlement evasion.
  • the trouble of queuing and settlement is easy to occur, which not only brings poor shopping settlement experience to customers, but also It will also reduce the efficiency of settlement.
  • the purpose of the embodiments of this specification is to provide an offline self-service settlement method, device and system to effectively improve shopping settlement experience and improve settlement efficiency.
  • an offline self-service settlement method including:
  • the self-service settlement device obtains product information by scanning the product selected by the target user;
  • the self-service settlement device performs self-service payment based on a payment request for the acquired product information initiated by the target user, and uploads the settlement information of the target user to the server device, wherein the settlement information includes at least: payment information And identification;
  • the exit inspection device collects the biometric information of the target user, it sends the biometric information to the server device;
  • the server device determines the payment information of the target user based on the biometric information, and returns the self-service settlement result of the target user to the exit inspection device based on the payment information of the target user;
  • the exit inspection device determines whether to release the target user based on the self-service settlement result.
  • an offline self-service settlement method including:
  • the server device receives the settlement information of the target user; wherein the settlement information is obtained by the self-service settlement device based on the payment request initiated by the target user through self-service payment, and the payment request is for the self-service settlement device to scan the product selected by the target user
  • the acquired product information is initiated, and the settlement information includes at least: payment information and an identity;
  • the server device determines the payment information of the target user based on the biometric information of the target user collected by the exit inspection device, and returns the target user to the exit inspection device based on the payment information of the target user
  • the self-service settlement result wherein the self-service settlement result is used to indicate whether the exit inspection equipment releases the target user.
  • an offline self-service settlement method including:
  • the exit inspection device collects the biometric information of the target user, it sends the biometric information to the server device; wherein the biometric information is used by the server device to determine the payment information of the target user, and Based on the payment information of the target user, returning the self-service settlement result of the target user to the exit inspection device;
  • the exit inspection device determines whether to release the target user based on the self-service settlement result.
  • an offline self-service settlement system including: self-service settlement equipment, server equipment and export inspection equipment; among them,
  • the self-service settlement device acquires product information by scanning the product selected by the target user; and performs self-service payment based on the payment request initiated by the target user for the acquired product information, and uploads the target user's settlement information to the service Terminal device, wherein the settlement information includes at least: payment information and an identity;
  • the exit inspection device after collecting the biometric information of the target user, sends the biometric information to the server device;
  • the server device determines the payment information of the target user based on the biometric information, and returns the self-service settlement result of the target user to the exit inspection device based on the payment information of the target user;
  • the exit inspection device determines whether to release the target user based on the self-service settlement result.
  • an offline self-service settlement device including:
  • the receiving module receives the settlement information of the target user; wherein the settlement information is obtained by the self-service settlement device based on the payment request initiated by the target user through a self-service payment, and the payment request is for the self-service settlement device to scan the target user for the product selected
  • the acquired product information is initiated, and the settlement information includes at least: payment information and an identity;
  • the processing module determines the payment information of the target user based on the biometric information of the target user collected by the exit inspection device, and returns the self-service of the target user to the exit inspection device based on the payment information of the target user Settlement result; wherein the self-service settlement result is used to indicate whether the exit inspection device releases the target user.
  • an offline self-service settlement device including:
  • the sending module after collecting the biometric information of the target user, sends the biometric information to the server device; wherein the biometric information is used by the server device to determine the payment information of the target user, and Based on the payment information of the target user, returning the self-service settlement result of the target user to the exit inspection device;
  • the processing module determines whether to release the target user based on the self-service settlement result.
  • an electronic device including:
  • a memory arranged to store computer-executable instructions that, when executed, cause the processor to perform the following operations:
  • the settlement information is obtained by the self-service settlement device based on the payment request initiated by the target user through self-service payment, and the payment request is for the product obtained by the self-service settlement device by scanning the product selected by the target user Information origination, the settlement information includes at least: payment information and an identity;
  • the self-service settlement result is used to indicate whether the exit inspection device releases the target user.
  • an electronic device including:
  • a memory arranged to store computer-executable instructions that, when executed, cause the processor to perform the following operations:
  • the biometric information of the target user is collected, the biometric information is sent to the server device; wherein, the biometric information is used by the server device to determine the payment information of the target user based on the The payment information of the target user, returning the self-service settlement result of the target user to the exit inspection device;
  • a computer-readable storage medium stores one or more programs that, when executed by an electronic device including multiple application programs, cause all The electronic device performs the following operations:
  • the settlement information is obtained by the self-service settlement device based on a payment request initiated by the target user through a self-service payment, and the payment request is for a product obtained by the self-service settlement device by scanning the product selected by the target user Information origination, the settlement information includes at least: payment information and an identity;
  • the self-service settlement result is used to indicate whether the exit inspection device releases the target user.
  • a computer-readable storage medium stores one or more programs that, when executed by an electronic device including multiple application programs, cause all The electronic device performs the following operations:
  • the biometric information of the target user is collected, the biometric information is sent to the server device; wherein, the biometric information is used by the server device to determine the payment information of the target user based on the The payment information of the target user, returning the self-service settlement result of the target user to the exit inspection device;
  • the self-service settlement device performs self-service settlement on the commodities selected by the target user, and the self-service settlement device uploads the settlement information to the server device, so that after the target user completes the shopping, it is based on export inspection
  • the biometric information of the target user collected by the device matches the payment information from the locally stored settlement information, and then determines whether the target user completes self-service settlement based on the payment information, and the exit inspection device determines whether to release the target user based on the self-service settlement result. Therefore, when the input cost is roughly the same, it is possible to reduce or even avoid queuing settlement based on the deployed self-service settlement equipment, and improve the settlement experience and settlement speed of users.
  • the collaborative processing of export inspection equipment and server equipment can also reduce the number of evasive settlements. As a result, the overall settlement efficiency is improved.
  • Figure 1a is a schematic diagram of the architecture of an offline self-service settlement system provided by an embodiment of this specification
  • FIG. 1b is a schematic structural diagram of a self-service settlement device 102 provided by an embodiment of this specification
  • FIG. 1c is a schematic structural diagram of a self-service settlement device 102 provided by another embodiment of this specification.
  • Fig. 2a is one of the schematic diagrams of the offline self-service settlement method provided by an embodiment of this specification
  • FIG. 2b is the second schematic diagram of the steps of an offline self-service settlement method provided by another embodiment of this specification.
  • FIG. 3a is a schematic flowchart of an offline self-service settlement method provided by an embodiment of this specification
  • FIG. 3b is a schematic flowchart of an offline self-service settlement method provided by another embodiment of this specification.
  • FIG. 4 is the third step schematic diagram of the offline self-service settlement method provided by an embodiment of this specification.
  • Fig. 5 is a fourth schematic diagram of the steps of an offline self-service settlement method provided in an embodiment of this specification.
  • FIG. 6 is a schematic structural diagram of an electronic device provided by an embodiment of this specification.
  • FIG. 7 is a schematic structural diagram of an offline self-service settlement apparatus 700 provided by an embodiment of this specification.
  • FIG. 8 is a schematic structural diagram of an offline self-service settlement apparatus 800 provided in an embodiment of this specification.
  • the system architecture may include: multiple self-service settlement devices 102, server devices 104, and multiple exit inspection devices 106; multiple exit inspection devices 106 can be arranged side by side at the exit locations of shopping places as shown in Figure 1a.
  • the self-service settlement device 102 may include: a payment terminal 1021 and a self-service cashier terminal 1022; the self-service cashier terminal 1022 is used to scan a code selected by the target user to obtain product information, and the payment terminal 1021 uses It assists the self-service cashier terminal 1022 to realize the self-service payment of the target user; multiple self-service cashier terminals 1022 may be self-service cashier counters, distributed in different locations in the shopping place; and the payment terminal 1021 can be handheld by the target user, such as a mobile phone or a tablet computer
  • the payment terminal 1021 is generally carried by the target user, regardless of location; the server device 104 as a back-end server can be set in the computer room of a shopping place, and establish a wireless connection or a wired connection with each self-service cashier terminal 1022.
  • the input cost of the self-service cashier terminal 1022 is fixed, and under the same input cost, a larger number of self-service cashier terminals 1022 can be set to cooperate with the payment terminal 1021 held by the target user to alleviate or even solve the queuing problem.
  • the self-service settlement device 102 may be a payment terminal 1021 held by the target user; the payment terminal 1021 may be used to scan the product selected by the target user to obtain product information, and use its own payment settlement function Realize self-service payment for target users. Since the payment terminal 1021 held by the target user may be a terminal such as a mobile phone or a tablet computer carried by the target user, and is not restricted by location, self-service settlement can be realized in any shopping area of the shopping place, effectively avoiding the trouble of queuing.
  • FIG. 2a it is a schematic diagram of the steps of an offline self-service settlement method provided in this embodiment of this specification.
  • the method may include the following steps:
  • Step 202 The self-service settlement device obtains product information by scanning the product selected by the target user.
  • a scanning device is provided in the self-service settlement equipment, and the scanning device is used to scan the two-dimensional code or barcode carried by the product selected by the target user to obtain product information.
  • the commodity information may include one or more combinations of commodity category, commodity model, commodity unit price, commodity weight, commodity size, commodity quantity, and other information.
  • Step 204 The self-service settlement device performs self-service payment based on the payment request for the acquired product information initiated by the target user, and uploads the settlement information of the target user to the server device, where the settlement information includes at least: payment Information and identification.
  • the self-service settlement device can implement self-service payment based on the payment request initiated by the target user for at least one of the products corresponding to the product information.
  • the self-service settlement device may include: a self-service cash register terminal and a payment terminal; then, when the self-service settlement device obtains product information by scanning the product selected by the target user in step 202, it may specifically include:
  • the self-service cashier terminal obtains product information by scanning the product selected by the target user.
  • the self-service cashier terminal scans the two-dimensional code or barcode of the product through the scanning device provided in the terminal to obtain product information.
  • the scanning device may be a movable code scanning gun connected to the self-service cashier terminal or a code scanning device fixed on the self-service cashier terminal body.
  • the self-service settlement device when the self-service settlement device performs self-service payment based on the payment request for the acquired product information initiated by the target user in step 204, and uploads the settlement information of the target user to the server device, it may specifically include:
  • the self-service cashier terminal sends a payment request to the payment terminal based on the acquired product information initiated by the target user;
  • the payment terminal performs self-service payment based on the payment request, and returns the settlement information of the target user to the self-service cashier terminal;
  • the self-service cashier terminal uploads the settlement information to the server device.
  • the target user can manually trigger the settlement operation based on the product information on the self-service cashier terminal to display the order information on the self-service cashier terminal; after the target user confirms and submits the order information, the self-service cashier terminal is triggered to the target user’s handheld
  • the payment terminal initiates a payment request, and the target user can implement self-service payment through a payment APP (for example, Alipay, e-banking, or other related payment APP) in the handheld payment terminal. After that, the payment terminal returns the settlement information to the self-service cashier terminal, and the self-service cashier terminal uploads it to the server device.
  • a payment APP for example, Alipay, e-banking, or other related payment APP
  • the premise that can be realized here is that before the self-service cashier terminal initiates a payment request to the payment terminal held by the target user, it can obtain the account information of the payment terminal through the input operation of the target user so as to interact with the payment terminal.
  • the target user can manually trigger the settlement operation based on the product information on the self-service cashier terminal to display the order information on the self-service cashier terminal; after the target user confirms and submits the order information, triggers the self-service cashier terminal to hand-held payment to the target user
  • the terminal initiates a payment request, which can be realized by displaying the payment page.
  • the target user can scan the payment page through the payment APP (for example, Alipay, e-banking or other related payment APP) in the handheld payment terminal to realize self-service Payment, or, the target user can select the payment type through the displayed payment page (for example, it can include Alipay, e-banking, or other related payment APPs, etc.), after the self-service cashier terminal jumps to the payment client corresponding to the corresponding payment type Enter the account number and the corresponding payment password for self-service payment. After that, the payment terminal (handheld payment terminal or payment client) returns the settlement information to the self-service cashier terminal, and the self-service cashier terminal uploads it to the server device.
  • the payment page may display graphics and/or text information such as a two-dimensional code, a barcode, and a barcode number.
  • the self-service settlement device includes: a payment terminal;
  • the self-service settlement device obtains product information by scanning the product selected by the target user in step 202, it may specifically include:
  • the payment terminal obtains product information by scanning the product selected by the target user.
  • the payment terminal held by the target user scans the two-dimensional code or barcode of the product through the scanning device provided in the terminal to obtain product information.
  • the scanning device may be an internal device that implements a code scanning function by hardware devices such as a camera. For example, you can use the scan function of various payment apps to scan code products.
  • the self-service settlement device when the self-service settlement device performs self-service payment based on the payment request for the acquired product information initiated by the target user in step 204, and uploads the settlement information of the target user to the server device, it may specifically include:
  • the payment terminal held by the target user performs self-service payment based on the payment request for the acquired product information initiated by the target user, and uploads the settlement information of the target user to the server device.
  • the payment terminal held by the target user can scan the product selected by the target user through the scan function in Alipay to obtain product information; then, self-service settlement can be performed based on the payment request initiated by the target user for the obtained product information Payment and upload the settlement information to the server device.
  • the settlement cost of this self-service payment method is relatively low, and the settlement operation can be distributed to each target user. In the case of reducing cost investment, it can effectively avoid the trouble of settlement queuing, further improve the settlement experience, and also improve Settlement efficiency.
  • the self-service settlement device can obtain the payment information returned based on the payment request initiated by the target user.
  • the payment information may include at least: paid information; among them, the paid information At least include: the goods that have been paid, the amount paid, the amount paid, and other information.
  • the payment information may also include unpaid information, etc., where the unpaid information may at least include: unpaid goods , Unpaid amount, unpaid amount and other information.
  • the self-service settlement device may upload the settlement information of the target user to the server device, where the settlement information includes at least: payment information and an identity.
  • the identity identifier is an identifier that characterizes the uniqueness of the target user's identity, and may be the target user's name, code, or certificate number.
  • the settlement information may be: target user A and payment information of target user A.
  • the identity identifier is obtained based on the account identity in the payment information of the target user.
  • a target user makes a self-service payment
  • the payment information includes the payment information used by the target user for self-service payment
  • the account identity of the payment APP in this way, the self-service settlement device can upload the obtained payment information and the identity identifier determined based on the account identity extracted from the payment information to the server device for processing.
  • the identity is obtained based on the biometric information of the target user collected by the self-service settlement device.
  • the self-service settlement equipment may also include a biological feature collection device, which may specifically include: an image collection device, a voiceprint collection device, a fingerprint collection device, and the like.
  • a biological feature collection device may specifically include: an image collection device, a voiceprint collection device, a fingerprint collection device, and the like.
  • it can be a camera with a face collection function and/or an iris collection function, an acoustic instrument with a voiceprint collection function, a fingerprint machine with a fingerprint collection function, and so on.
  • the self-service settlement equipment when the self-service settlement equipment performs self-service payment based on the goods selected by the target user, it can also collect the biological characteristic information of the target user through the biological characteristic collecting device of the device.
  • the biological characteristic information may include: facial information, iris information , Voiceprint information or fingerprint information, etc.
  • the self-service settlement device can upload the acquired payment information and the identity obtained
  • Step 206 After the exit inspection device collects the biometric information of the target user, it sends the biometric information to the server device.
  • the exit inspection equipment can be set as an exit channel with a certain length.
  • the biological characteristic collection device in the exit inspection equipment can collect the biological characteristic information of the target user, and the biological characteristic information of the target user can be collected.
  • the characteristic information is sent to the server device.
  • the biological feature collection device in the export inspection equipment may be the same or different from the biological feature collection device in the automatic settlement equipment. Or they are equipped with multiple types of biological feature collection devices at the same time.
  • the self-checking equipment is equipped with a camera and a fingerprint device
  • the exit inspection equipment is equipped with a camera and a fingerprint device. In this way, the facial information or iris information collected by the camera is not If it is reliable, the fingerprint device can be used to collect the fingerprint information of the target user.
  • Step 208 The server device determines the payment information of the target user based on the biometric information, and returns the self-service settlement result of the target user to the exit inspection device based on the payment information of the target user.
  • step 208 when the server device determines the payment information of the target user based on the biometric information, the specific execution may be as follows:
  • the server device determines the identity of the target user based on the biometric information.
  • the server device obtains the biometric information collected by the export inspection device, the identity of the target user can be quickly matched from the big data system.
  • the identity identifier involved in the embodiment of this specification may be a machine recognition language, for example, a string of a predetermined length.
  • the server device determines matching payment information of the target user based on the identity of the target user.
  • the server device searches for payment information matching the identity from the locally stored settlement information. It should be understood that the payment information found at this time can be the payment information in one settlement information, or the sum of multiple payment information in multiple settlement information (that is, the self-service settlement device is based on multiple self-service payments of the target user. Uploaded multiple billing information).
  • the server device returns the self-service settlement result of the target user to the exit inspection device based on the payment information of the target user, which may specifically include:
  • the server device determines whether the target user completes self-service settlement based on the payment information of the target user, and returns the self-service settlement result of the target user to the exit inspection device.
  • the server device determines whether the target user completes self-service settlement based on the payment information of the target user, which can be specifically implemented in the following three ways, which will be described below.
  • the server device determining whether the target user completes self-service settlement based on the payment information of the target user includes:
  • the server device can determine whether the target user has completed self-service settlement based on whether there is unpaid information in the target user’s payment information.
  • This method can more directly and quickly determine whether the target user has completed the self-service settlement and reduce settlement evasion. Probability, improve settlement efficiency.
  • the settlement information further includes: commodity information of the commodity selected by the target user.
  • the server device determining the matching payment information of the target user based on the identity of the target user includes:
  • the server device determines matching payment information of the target user and commodity information of the target user based on the identity of the target user.
  • the server device determining whether the target user completes self-service settlement based on the payment information of the target user includes:
  • the server device verifies the payment information of the target user based on the product information of the target user, and determines whether the target user completes self-service settlement based on the verification result.
  • the server device verifies the payment information of the target user based on the product information of the target user, and determines whether the target user completes self-service settlement based on the verification result, including:
  • the server device calculates the payment amount for the commodity selected by the target user based on the commodity quantity and the commodity unit price in the commodity information of the target user;
  • the server device verifies the payment information in the payment information of the target user based on the payment amount
  • the server device can calculate the payment amount of the product selected by the target user based on the product information of the target user, and determine whether the target user has completed the self-service settlement according to whether the payment amount matches the payment amount involved in the payment information in the payment information. 2. Combining the product information of the product selected by the target user to verify the payment information in the payment information, it can more accurately determine whether the target user has a settlement slip and improve the efficiency of settlement.
  • the payment information of the target user and the product information of the target user involved can be understood as the current settlement information generated by the target user during this shopping to distinguish between The historical settlement information in the third method.
  • the settlement information further includes: commodity information of the commodity selected by the target user.
  • Determining matching payment information of the target user based on the identity of the target user includes:
  • the server device determines matching payment information of the target user, commodity information of the target user, and historical settlement information of the target user based on the identity of the target user.
  • the historical settlement information includes at least one or a combination of the following information:
  • the third-party credit evaluation agency may be a bank, Alipay, or other APP that can obtain a credit rating.
  • the credit rating information can be the personal credit rating obtained from the bank, the Huabei level obtained from Alipay (specifically, the Huabei limit), the borrowing level (which can be the specific borrowing limit), and the ant level (which can be specifically the ant Points) and so on.
  • the server device determining whether the target user completes self-service settlement based on the payment information of the target user includes:
  • the server device determines the settlement index of the target user based on the payment information of the target user, the commodity information of the target user, and the historical settlement information of the target user, and the settlement index is used for Evaluating the probability of the target user performing self-service settlement behavior;
  • the server device may extract the first settlement data representing the settlement level of the local shopping place based on the payment information of the target user, the commodity information of the target user, and the historical settlement information of the target user.
  • the second settlement data that characterizes the level of settlement in other shopping places and the credit data that characterizes the credit rating granted by a third-party credit evaluation agency; the server device combines the first settlement data, the second settlement data, and the Credit data is input into the preset settlement index model to obtain the settlement index of the target user.
  • the preset settlement index model involved in this specification may be a linear weighted average model.
  • the first settlement data corresponds to a first weighting factor
  • the second settlement data corresponds to a second weighting factor.
  • the data corresponds to the third weighting factor.
  • the model can be debugged according to historical settlement data to determine the respective values of the first weighting factor, the second weighting factor, and the third weighting factor.
  • the preset settlement index model can also be obtained by simulation training based on artificial intelligence technology, machine learning algorithm, deep learning algorithm, etc., which is not limited in the embodiment of this specification.
  • the server device determines whether the target user completes self-service settlement based on the settlement index.
  • the server device may compare the settlement index with a preset threshold
  • the preset threshold may be based on historical settlement information or an empirical value obtained from the probability of order evasion of local shopping places in multiple time periods.
  • Step 210 The exit inspection device determines whether to release the target user based on the self-service settlement result.
  • the self-service settlement device is used to conduct self-service settlement on the goods selected by the target user, and the self-service settlement device uploads the settlement information to the server device, so that after the target user completes shopping, it is collected based on the export inspection equipment
  • the biometric information of the target user matches the payment information from the locally stored settlement information, and then determines whether the target user has completed self-service settlement based on the payment information, and the exit inspection device determines whether to release the target user based on the self-service settlement result. Therefore, when the input cost is roughly the same, it is possible to reduce or even avoid queuing settlement based on the deployed self-service settlement equipment, and improve the settlement experience and settlement speed of users.
  • the collaborative processing of export inspection equipment and server equipment can also reduce the number of evasive settlements. As a result, the overall settlement efficiency is improved.
  • the exit inspection device is provided with an interception device, then the exit inspection device determines whether to release the target user based on the self-service settlement result, which can be specifically Execute as:
  • the exit inspection device controls the interception device to be opened to release the target user; otherwise, the exit inspection device controls the interception device to remain closed to intercept the target user.
  • the interception device in this method can be understood as an automatic gate or an automatic gate.
  • the exit inspection device can flexibly control the interception device to keep closed or open according to the autonomous settlement result, thereby realizing automatic interception of target users who have not completed self-service settlement. It should be understood that the interception device is normally closed by default.
  • the exit inspection device can be understood as a smooth passage, then the exit inspection device determines whether to release the target user based on the self-service settlement result, It can be specifically implemented as:
  • the exit inspection device does not perform processing to release the target user; otherwise, the exit inspection device sends an interception reminder to the alarm device to intercept the target user.
  • the alarm device in this method can be set on the exit inspection device.
  • the alarm device can be an alarm.
  • the alarm can play an alarm tone to remind the staff of the target passing at this time The user intercepts; or, the alarm device can be a staff's handheld terminal.
  • the handheld terminal can remind the staff to intercept the target user passing at this time.
  • the target user in order to further reduce the evasion of the order, can also be settled and verified by measuring the weight when the target user enters and leaves the shopping place.
  • the settlement information further includes: the first weight of the target user collected by the entrance inspection device, and the second weight of the target user carrying the commodity collected by the exit device.
  • the method further includes:
  • Step 212 The server device determines the product information and the first weight and the second weight of the target user based on the biometric information.
  • Step 214 The server device determines whether to perform settlement verification on the target user based on the product information of the target user and the first weight and the second weight.
  • step 214 when the server device determines whether to perform settlement verification on the target user based on the product information of the target user and the first weight and the second weight, the specific execution may be as follows:
  • the server device determines the total weight of the commodity selected by the target user based on the number of commodities and the weight of a single commodity in the commodity information of the target user; if the difference between the first weight and the second weight of the target user is absolute If the value is greater than the total weight of the commodity selected by the target user, then the target user is checked for settlement; otherwise, no processing is performed.
  • the server device may send a verification reminder to the handheld terminal of the verifier after determining the settlement verification of the target user.
  • the verification reminder may include: the exit inspection device that the target user passes when the target user leaves the shopping place. logo.
  • the verification personnel can perform settlement verification on target users who have left the corresponding export inspection equipment according to the received verification reminder.
  • the method further includes:
  • the server device marks the payment information and self-service settlement result of the local target user as historical payment information and historical self-service settlement result, respectively. Thus, the payment information and self-service settlement results generated by the same target user during different shopping periods are distinguished in the server device.
  • the payment terminal held by customer A can be mobile phone A', and multiple self-service cashier counters B are distributed in multiple locations in the supermarket. , So that customer A can conduct self-service settlement anytime and anywhere.
  • the offline self-service settlement process also involves the local back-end server C, the face recognition door D, the back-end servers E of other supermarkets, the third-party evaluation agency F, and the random inspectors G.
  • the offline self-service settlement process may include:
  • Step 302a The self-service cashier B scans the code of the selected product based on the product code scanning request initiated by the customer A.
  • self-service cashier B can obtain the product information of the scanned product. In fact, while scanning the code, self-service cashier B can also collect customer A's facial image, and obtain customer A's identity information through facial recognition.
  • Step 304a Mobile phone A'performs self-service payment based on the payment request sent by self-service cashier B.
  • self-service cashier B can initiate a payment request based on customer A for part or all of the products in the scanned product, determine the payment amount based on the unit price of the product and the number of products in the product information, and show customer A that it is generated based on the payment amount Payment code.
  • Customer A scans the payment code through Alipay in mobile phone A’ to complete the self-service payment and generates corresponding payment information.
  • Step 306a The mobile phone A'sends the payment information to the self-service cashier B.
  • Step 308a The self-service cashier B sends the product information, identity information and payment information to the local backend server C.
  • the self-service cashier B can use the product information, identity information, and payment information as settlement information and send them to the local backend server C for storage.
  • Step 310a When the customer A passes the face recognition door D and is about to leave, the face recognition door D performs facial recognition.
  • Step 312a The face recognition gate D sends the recognized facial information to the local backend server C, and sends a settlement index evaluation request.
  • Step 314a The local backend server C obtains the credit rating of the customer A from the third-party evaluation agency F.
  • the Huabei quota, borrowing quota, ant points, etc. can be obtained separately, and then the credit rating of customer A can be calculated based on different weight ratios. Customer A's credit rating can also be determined based on one of them.
  • Step 316a The local backend server C obtains the historical settlement information of the customer A from the backend servers E of other supermarkets.
  • Step 318a The local backend server C obtains customer A’s current payment information, historical payment information, and historical self-service settlement results locally.
  • step 314a the execution order of step 314a, step 316a, and step 318a is not limited.
  • Step 320a The local back-end server C is based on the credit rating obtained from the third-party evaluation agency F, the historical settlement information obtained from the back-end servers E of other supermarkets, and the current payment information, historical payment information and historical self-service settlement results obtained locally , Calculate the settlement index of the target user.
  • Step 322a The local background server C determines whether the target user has completed the self-service settlement according to the settlement index, and returns the self-service settlement result to the random inspector G.
  • the local backend server C returns the self-service settlement result to the handheld terminal of the inspector G.
  • the face recognition door D and the handheld terminal of the random inspector G here can be regarded as the export inspection equipment in this specification.
  • An alarm device is installed in the handheld terminal.
  • Step 324a The random inspector G manually intercepts the target user according to whether the alarm device in the handheld terminal issues an alarm reminder.
  • the random inspection personnel G needs to conduct settlement inspections on the target users, so as to conduct manual inspections through random inspections, which effectively reduces settlement evasion.
  • the payment terminal held by customer A can be mobile phone A', and customer A can use mobile phone A'to conduct self-service settlement anytime and anywhere.
  • the offline self-service settlement process also involves the local back-end server C, the face recognition door D, the back-end servers E of other supermarkets, the third-party evaluation agency F, and the random inspectors G.
  • the offline self-service settlement process may include:
  • Step 302b The mobile phone A'scans the code of the selected commodity based on the commodity scan request initiated by the customer A, and performs self-service payment.
  • customer A’s Alipay client in mobile phone A’ can scan the product code to obtain product information. After the code scanning is completed, the mobile phone A'can initiate a self-service payment based on the customer A's request for payment for some or all of the scanned products, and generate corresponding payment information.
  • Step 304b The mobile phone A'sends the product information, identity information and payment information to the local backend server C.
  • Step 306b When the customer A is about to leave after passing the face recognition door D, the face recognition door D performs facial recognition.
  • Step 308b The face recognition gate D sends the recognized facial information to the local backend server C, and initiates a settlement index evaluation request.
  • Step 310b The local backend server C obtains the credit rating of the customer A from the third-party evaluation agency F.
  • the Huabei quota, borrowing quota, ant points, etc. can be obtained separately, and then the credit rating of customer A can be calculated based on different weight ratios. Customer A's credit rating can also be determined based on one of them.
  • Step 312b The local backend server C obtains the historical settlement information of the customer A from the backend servers E of other supermarkets.
  • Step 314b The local backend server C obtains customer A's current payment information, historical payment information, and historical self-service settlement results locally.
  • step 310b the execution order of step 310b, step 312b, and step 314b is not limited.
  • Step 316b The local back-end server C is based on the credit rating obtained from the third-party evaluation agency F, the historical settlement information obtained from the back-end server E of other supermarkets, and the current payment information, historical payment information and historical self-service settlement results obtained locally , Calculate the settlement index of the target user.
  • Step 318b The local background server C determines whether the target user has completed the self-service settlement according to the settlement index, and returns the self-service settlement result to the random inspector G.
  • the local backend server C returns the self-service settlement result to the handheld terminal of the inspector G.
  • the face recognition door D and the handheld terminal of the random inspector G here can be regarded as the export inspection equipment in this specification.
  • An alarm device is installed in the handheld terminal.
  • Step 320b The random inspector G manually intercepts the target user according to whether the alarm device in the handheld terminal issues an alarm reminder.
  • the random inspection personnel G needs to conduct settlement inspections on the target users, so as to conduct manual inspections through random inspections, which effectively reduces settlement evasion.
  • the execution body of the method is an offline self-service settlement device, which may be a server device, which may be, for example, a computer. , Smart phones, other smart handheld terminals, etc.
  • the offline self-service settlement method may include:
  • Step 402 The server device receives the settlement information of the target user; wherein the settlement information is obtained by the self-service settlement device based on the payment request initiated by the target user through self-service payment, and the payment request is for the self-service settlement device by scanning the target user Commodity information obtained by the selected commodity is initiated, and the settlement information includes at least payment information and an identity identifier.
  • Step 404 The server device determines the payment information of the target user based on the biometric information of the target user collected by the exit inspection device, and returns the payment information to the exit inspection device based on the payment information of the target user.
  • the self-service settlement result of the target user wherein the self-service settlement result is used to indicate whether the exit inspection device releases the target user.
  • server device may also execute the optional solution involved in the first embodiment, which is not repeated here.
  • the main body of the method is an offline self-service settlement device, which may be an export inspection device, which may be a door-like device. Or a channel gate device with a biometric information collection device.
  • the offline self-service settlement method may include:
  • Step 502 After the exit inspection device collects the biometric information of the target user, it sends the biometric information to the server device; wherein the biometric information is used by the server device to determine the payment of the target user Information, and based on the payment information of the target user, return the self-service settlement result of the target user to the exit inspection device.
  • Step 504 The exit inspection device determines whether to release the target user based on the self-service settlement result.
  • the export inspection equipment may also implement the optional solutions involved in the first embodiment, which is not repeated here.
  • the self-service settlement device is used to conduct self-service settlement on the goods selected by the target user, and the self-service settlement device uploads the settlement information to the server device, so that after the target user completes shopping, it is collected based on the export inspection equipment
  • the biometric information of the target user matches the payment information from the locally stored settlement information, and then determines whether the target user has completed self-service settlement based on the payment information, and the exit inspection device determines whether to release the target user based on the self-service settlement result. Therefore, when the input cost is roughly the same, it is possible to reduce or even avoid queuing settlement based on the deployed self-service settlement equipment, and improve the settlement experience and settlement speed of users.
  • the collaborative processing of export inspection equipment and server equipment can also reduce the number of evasive settlements. As a result, the overall settlement efficiency is improved.
  • Fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the specification.
  • the electronic device includes a processor, and optionally an internal bus, a network interface, and a memory.
  • the memory may include memory, such as high-speed random access memory (Random-Access Memory, RAM), and may also include non-volatile memory (non-volatile memory), such as at least one disk memory.
  • RAM random access memory
  • non-volatile memory such as at least one disk memory.
  • the electronic device may also include hardware required by other services.
  • the processor, network interface, and memory can be connected to each other through an internal bus.
  • the internal bus can be an ISA (Industry Standard Architecture) bus, PCI (Peripheral Component Interconnect, peripheral component interconnection standard) bus, or EISA (Extended) bus. Industry Standard Architecture, extended industry standard structure) bus, etc.
  • the bus can be divided into address bus, data bus, control bus, etc. For ease of presentation, only one bidirectional arrow is used to indicate in FIG. 6, but it does not mean that there is only one bus or one type of bus.
  • the program may include program code, and the program code includes computer operation instructions.
  • the memory may include memory and non-volatile memory, and provide instructions and data to the processor.
  • the processor reads the corresponding computer program from the non-volatile memory to the memory and then runs it to form a shared resource access control device at the logical level.
  • the processor executes the program stored in the memory, and is specifically used to perform the following operations:
  • the settlement information is obtained by the self-service settlement device based on a payment request initiated by the target user through a self-service payment, and the payment request is for a product obtained by the self-service settlement device by scanning the product selected by the target user Information origination, the settlement information includes at least: payment information and an identity;
  • the self-service settlement result is used to indicate whether the exit inspection device releases the target user.
  • the biometric information of the target user is collected, the biometric information is sent to the server device; wherein, the biometric information is used by the server device to determine the payment information of the target user based on the The payment information of the target user, returning the self-service settlement result of the target user to the exit inspection device;
  • the method performed by the offline self-service settlement apparatus disclosed in the embodiments shown in FIGS. 2a to 5 of this specification can be applied to the processor or implemented by the processor.
  • the processor may be an integrated circuit chip with signal processing capabilities.
  • the steps of the above method can be completed by hardware integrated logic circuits in the processor or instructions in the form of software.
  • the above-mentioned processor may be a general-purpose processor, including a central processing unit (CPU), a network processor (Network Processor, NP), etc.; it may also be a digital signal processor (DSP), a dedicated integrated Circuit (Application Specific Integrated Circuit, ASIC), Field-Programmable Gate Array (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components.
  • DSP digital signal processor
  • ASIC Application Specific Integrated Circuit
  • FPGA Field-Programmable Gate Array
  • the general-purpose processor may be a microprocessor or the processor may also be any conventional processor or the like.
  • the steps of the method disclosed in the embodiments of this specification can be directly embodied as being executed by a hardware decoding processor, or executed by a combination of hardware and software modules in the decoding processor.
  • the software module can be located in a mature storage medium in the field such as random access memory, flash memory, read-only memory, programmable read-only memory, or electrically erasable programmable memory, registers.
  • the storage medium is located in the memory, and the processor reads the information in the memory and completes the steps of the above method in combination with its hardware.
  • the electronic device can also execute the method in FIG. 2a, and realize the functions of the embodiments of the offline self-service settlement apparatus shown in FIGS. 2a to 5, which will not be repeated in the embodiment of this specification.
  • the electronic equipment in the embodiments of this specification does not exclude other implementations, such as logic devices or a combination of software and hardware, etc. That is to say, the execution body of the following processing flow is not limited to each logic Units can also be hardware or logic devices.
  • the self-service settlement device is used to conduct self-service settlement on the goods selected by the target user, and the self-service settlement device uploads the settlement information to the server device, so that after the target user completes shopping, it is collected based on the export inspection equipment
  • the biometric information of the target user matches the payment information from the locally stored settlement information, and then determines whether the target user has completed self-service settlement based on the payment information, and the exit inspection device determines whether to release the target user based on the self-service settlement result. Therefore, when the input cost is roughly the same, it is possible to reduce or even avoid queuing settlement based on the deployed self-service settlement equipment, and improve the settlement experience and settlement speed of users.
  • the collaborative processing of export inspection equipment and server equipment can also reduce the number of evasive settlements. As a result, the overall settlement efficiency is improved.
  • the embodiment of the present specification also proposes a computer-readable storage medium that stores one or more programs, the one or more programs include instructions, and the instructions are used in a portable electronic device that includes multiple application programs.
  • the portable electronic device can be made to execute the method of the embodiment shown in FIG. 2a, and is specifically used to execute the following methods:
  • the settlement information is obtained by the self-service settlement device based on a payment request initiated by the target user through a self-service payment, and the payment request is for a product obtained by the self-service settlement device by scanning the product selected by the target user Information origination, the settlement information includes at least: payment information and an identity;
  • the self-service settlement result is used to indicate whether the exit inspection device releases the target user.
  • the biometric information of the target user is collected, the biometric information is sent to the server device; wherein, the biometric information is used by the server device to determine the payment information of the target user based on the The payment information of the target user, returning the self-service settlement result of the target user to the exit inspection device;
  • the self-service settlement device is used to conduct self-service settlement on the goods selected by the target user, and the self-service settlement device uploads the settlement information to the server device, so that after the target user completes shopping, it is collected based on the export inspection equipment
  • the biometric information of the target user matches the payment information from the locally stored settlement information, and then determines whether the target user has completed self-service settlement based on the payment information, and the exit inspection device determines whether to release the target user based on the self-service settlement result. Therefore, when the input cost is roughly the same, it is possible to reduce or even avoid queuing settlement based on the deployed self-service settlement equipment, and improve the settlement experience and settlement speed of users.
  • the collaborative processing of export inspection equipment and server equipment can also reduce the number of evasive settlements. As a result, the overall settlement efficiency is improved.
  • the system may include: self-service settlement equipment 102, server equipment 104, and export inspection equipment 106; among them,
  • the self-service settlement device 102 acquires product information by scanning the product selected by the target user; and, performs self-service payment based on the payment request initiated by the target user for the acquired product information, and uploads the target user's settlement information to the service Terminal device, wherein the settlement information includes at least: payment information and an identity;
  • the exit inspection device 106 collects the biometric information of the target user, it sends the biometric information to the server device;
  • the server device 104 determines the payment information of the target user based on the biometric information, and returns the self-service settlement result of the target user to the exit inspection device based on the payment information of the target user;
  • the exit inspection device 106 determines whether to release the target user based on the self-service settlement result.
  • the self-service settlement device 102 includes: a self-service cashier terminal and a payment terminal;
  • the self-service cashier terminal can be used to scan the product selected by the target user to obtain product information; and send a payment request to the payment terminal based on the acquired product information initiated by the target user;
  • the payment terminal may be used to perform self-service payment based on the payment request, and return the settlement information of the target user to the self-service cashier terminal;
  • the self-service cashier terminal is also used to upload the settlement information to the server device.
  • the self-service settlement device 102 includes: a payment terminal;
  • the payment terminal can be used to: obtain product information by scanning the product selected by the target user; and, perform self-service payment based on the payment request initiated by the target user for the acquired product information, and upload the target user's settlement information To the server equipment.
  • FIG. 7 is a schematic structural diagram of an offline self-service settlement apparatus 700 provided by an embodiment of this specification. Please refer to FIG. 7, in a software implementation manner, the offline self-service settlement apparatus 700 may include:
  • the receiving module 702 receives the settlement information of the target user; wherein the settlement information is obtained by the self-service settlement device based on the payment request initiated by the target user through self-service payment, and the payment request is selected by the self-service settlement device by scanning the target user Commodity information acquisition of the commodity is initiated, and the settlement information includes at least: payment information and an identity identifier;
  • the processing module 704 determines the payment information of the target user based on the biometric information of the target user collected by the exit inspection device, and returns the payment information of the target user to the exit inspection device based on the payment information of the target user Self-service settlement result; wherein the self-service settlement result is used to indicate whether the exit inspection device releases the target user.
  • FIG. 8 is a schematic structural diagram of an offline self-service settlement apparatus 800 provided by an embodiment of this specification. Please refer to FIG. 8, in a software implementation manner, the offline self-service settlement apparatus 800 may include:
  • the sending module 802 after collecting the biometric information of the target user, sends the biometric information to the server device; wherein the biometric information is used by the server device to determine the payment information of the target user, And based on the payment information of the target user, return the self-service settlement result of the target user to the exit inspection device;
  • the processing module 804 determines whether to release the target user based on the self-service settlement result.
  • the self-service settlement device is used to conduct self-service settlement on the goods selected by the target user, and the self-service settlement device uploads the settlement information to the server device, so that after the target user completes shopping, it is collected based on the export inspection equipment
  • the biometric information of the target user matches the payment information from the locally stored settlement information, and then determines whether the target user has completed self-service settlement based on the payment information, and the exit inspection device determines whether to release the target user based on the self-service settlement result. Therefore, when the input cost is roughly the same, it is possible to reduce or even avoid queuing settlement based on the deployed self-service settlement equipment, and improve the settlement experience and settlement speed of users.
  • the collaborative processing of export inspection equipment and server equipment can also reduce the number of evasive settlements. As a result, the overall settlement efficiency is improved.
  • the identity identifier is obtained based on the account identity in the payment information of the target user.
  • the identity identifier can be obtained from the payment information by the receiving module 702 of the offline self-service settlement apparatus 700.
  • the identity identifier is obtained based on the biometric information of the target user collected by the self-service settlement device.
  • the identity identifier can be obtained by the receiving module 702 of the offline self-service settlement device 700 from the connected biometric information collection device.
  • the processing module 704 of the offline self-service settlement apparatus 700 determines the payment information of the target user based on the biometric information, it is specifically used to:
  • the matching payment information of the target user is determined based on the identity of the target user.
  • the processing module 704 of the offline self-service settlement apparatus 700 returns the self-service settlement result of the target user to the exit inspection device based on the payment information of the target user. , Specifically used for:
  • the processing module 704 of the offline self-service settlement apparatus 700 determines whether the target user has completed self-service settlement based on the payment information of the target user, it can be specifically used for:
  • the settlement information further includes: commodity information of the commodity selected by the target user;
  • the processing module 704 of the offline self-service settlement apparatus 700 determines the matching payment information of the target user based on the identity of the target user, it can be specifically used to:
  • the matching payment information of the target user and the commodity information of the target user are determined based on the identity of the target user. as well as,
  • the processing module 704 of the offline self-service settlement apparatus 700 determines whether the target user completes the self-service settlement based on the payment information of the target user, it can be specifically used for:
  • the processing module 704 of the offline self-service settlement device 700 verifies the payment information of the target user based on the product information of the target user, and determines based on the verification result
  • the target user completes self-service settlement it can be specifically used for:
  • the settlement information further includes: commodity information of the commodity selected by the target user;
  • the processing module 704 of the offline self-service settlement apparatus 700 determines the matching payment information of the target user based on the identity of the target user, it is specifically used to:
  • the matching payment information of the target user, the commodity information of the target user, and the historical settlement information of the target user are determined based on the identity of the target user. as well as,
  • the processing module 704 of the offline self-service settlement apparatus 700 determines whether the target user completes the self-service settlement based on the payment information of the target user, it can be specifically used for:
  • the settlement index of the target user is determined, and the settlement index is used to evaluate the self-service settlement behavior of the target user The probability; the server device determines whether the target user completes self-service settlement based on the settlement index.
  • the historical settlement information includes at least one or a combination of the following information:
  • the credit rating information of the target user obtained from a third-party credit evaluation agency.
  • the processing module 704 of the offline self-service settlement apparatus 700 is based on the payment information of the target user, the product information of the target user, and the historical settlement information of the target user , When determining the settlement index of the target user, it can be specifically used to:
  • the first settlement data representing the settlement level at the local shopping place and the second settlement level at other shopping places are respectively extracted 2.
  • Settlement data and credit data representing the credit rating granted by a third-party credit evaluation agency; input the first settlement data, the second settlement data, and the credit data into a preset settlement index model to obtain the target user The settlement index.
  • the processing module 704 of the offline self-service settlement apparatus 700 determines whether the target user has completed self-service settlement based on the settlement index, it can be specifically used to:
  • the settlement index is compared with a preset threshold; if the settlement index is greater than or equal to the preset threshold, it is determined that the target user has completed self-service settlement; otherwise, it is determined that the target user has not completed the self-service settlement.
  • the processing module 804 of the offline self-service settlement apparatus 800 determines whether to release the target user based on the self-service settlement result, it can be specifically used to:
  • control the interception device If the target user completes the self-service settlement, control the interception device to be turned on to release the target user; otherwise, control the interception device to remain closed to intercept the target user.
  • the processing module 804 of the offline self-service settlement apparatus 800 determines whether to release the target user based on the self-service settlement result, it can be specifically used to:
  • the settlement information further includes: the first weight of the target user collected by the entrance inspection device, and the first weight of the target user carrying the commodity collected by the exit device Second weight
  • the processing module 704 of the offline self-service settlement apparatus 700 is also used for:
  • the processing module 704 of the offline self-service settlement apparatus 700 determines whether to perform the transaction to the target user based on the product information of the target user and the first weight and the second weight. During the settlement verification, it can be specifically used for:
  • the offline self-service settlement apparatus 700 may further include: a marking module for returning the target user's information to the exit inspection device in the processing module 704 After the self-service settlement result, the payment information and self-service settlement result of the local target user are respectively marked as historical payment information and historical self-service settlement result.
  • offline self-service settlement apparatus of the embodiment of this specification can also execute the methods in Figures 2a-5 and realize the corresponding functions of the offline self-service settlement apparatus (or equipment) in the embodiment shown in Figures 2a-5. I won't repeat them here.
  • a typical implementation device is a computer.
  • the computer can be, for example, a personal computer, a laptop computer, a cell phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or Any combination of these devices.
  • Computer-readable media includes permanent and non-permanent, removable and non-removable media, and information storage can be realized by any method or technology.
  • the information can be computer-readable instructions, data structures, program modules, or other data.
  • Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, CD-ROM, digital versatile disc (DVD) or other optical storage, Magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable media does not include transitory media, such as modulated data signals and carrier waves.

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Abstract

一种线下自助结算方法、装置和系统，该方法包括：自助结算设备通过扫描目标用户选取的商品获取商品信息（202）；自助结算设备基于所述目标用户发起的针对获取的商品信息的支付请求进行自助支付，并将所述目标用户的结算信息上传给服务端设备，其中，所述结算信息至少包括：支付信息以及身份标识（204）；当出口检验设备采集到所述目标用户的生物特征信息后，将所述生物特征信息发送给所述服务端设备（206）；服务端设备基于所述生物特征信息确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果（208）；出口检验设备基于所述自助结算结果确定是否对所述目标用户放行（210）。

Description

一种线下自助结算方法、装置和系统 技术领域
本说明书涉及计算机软件技术领域，尤其涉及一种线下自助结算方法、装置和系统。
背景技术
目前，线下超市、卖场等购物场景中，大多会在出口位置设置收银台，并为每个收银台配备收银员对顾客挑选的商品进行人工结算。
在收银台配备收银员进行人工结算，是一种传统的结算模式，可以有效避免结算逃单。然而，由于出口位置的场地限制，以及收银台与配备的收银员的投入成本限制，在结算顾客较多的情况下，易发生排队结算的困扰，不仅给顾客带来较差的购物结算体验，还会降低结算效率。
发明内容
本说明书实施例的目的是提供一种线下自助结算方法、装置和系统，以有效提升购物结算体验以及提升结算效率。
为解决上述技术问题，本说明书实施例是这样实现的：
第一方面，提出了一种线下自助结算方法，包括：
自助结算设备通过扫描目标用户选取的商品获取商品信息；
所述自助结算设备基于所述目标用户发起的针对获取的商品信息的支付请求进行自助支付，并将所述目标用户的结算信息上传给服务端设备，其中，所述结算信息至少包括：支付信息以及身份标识；
当出口检验设备采集到所述目标用户的生物特征信息后，将所述生物特征信息发送给所述服务端设备；
所述服务端设备基于所述生物特征信息确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；
所述出口检验设备基于所述自助结算结果确定是否对所述目标用户放行。
第二方面，提出了一种线下自助结算方法，包括：
服务端设备接收目标用户的结算信息；其中，所述结算信息是自助结算设备基于所述目标用户发起的支付请求进行自助支付得到，所述支付请求是针对自助结算设备通过扫描目标用户选取的商品获取的商品信息发起，所述结算信息至少包括：支付信息以及身份标识；
所述服务端设备基于出口检验设备采集到的所述目标用户的生物特征信息确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；其中，所述自助结算结果用于指示所述出口检验设备是否对所述目标用户放行。
第三方面，提出了一种线下自助结算方法，包括：
当出口检验设备采集到目标用户的生物特征信息后，将所述生物特征信息发送给服务端设备；其中，所述生物特征信息用于所述服务端设备确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；
所述出口检验设备基于所述自助结算结果确定是否对所述目标用户放行。
第四方面，提出了一种线下自助结算系统，包括：自助结算设备、服务端设备以及出口检验设备；其中，
所述自助结算设备，通过扫描目标用户选取的商品获取商品信息；以及，基于所述目标用户发起的针对获取的商品信息的支付请求进行自助支付，并将所述目标用户的结算信息上传给服务端设备，其中，所述结算信息至少包括：支付信息以及身份标识；
所述出口检验设备，当采集到所述目标用户的生物特征信息后，将所述生物特征信息发送给所述服务端设备；
所述服务端设备，基于所述生物特征信息确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；
所述出口检验设备，基于所述自助结算结果确定是否对所述目标用户放行。
第五方面，提出了一种线下自助结算装置，包括：
接收模块，接收目标用户的结算信息；其中，所述结算信息是自助结算设备基于所述目标用户发起的支付请求进行自助支付得到，所述支付请求是针对自助结算设备通过扫描目标用户选取的商品获取的商品信息发起，所述结算信息至少包括：支付信息以及 身份标识；
处理模块，基于出口检验设备采集到的所述目标用户的生物特征信息确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；其中，所述自助结算结果用于指示所述出口检验设备是否对所述目标用户放行。
第六方面，提出了一种线下自助结算装置，包括：
发送模块，当采集到目标用户的生物特征信息后，将所述生物特征信息发送给服务端设备；其中，所述生物特征信息用于所述服务端设备确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；
处理模块，基于所述自助结算结果确定是否对所述目标用户放行。
第七方面，提出了一种电子设备，包括：
处理器；以及
被安排成存储计算机可执行指令的存储器，所述可执行指令在被执行时使所述处理器执行以下操作：
接收目标用户的结算信息；其中，所述结算信息是自助结算设备基于所述目标用户发起的支付请求进行自助支付得到，所述支付请求是针对自助结算设备通过扫描目标用户选取的商品获取的商品信息发起，所述结算信息至少包括：支付信息以及身份标识；
基于出口检验设备采集到的所述目标用户的生物特征信息确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；其中，所述自助结算结果用于指示所述出口检验设备是否对所述目标用户放行。
第八方面，提出了一种电子设备，包括：
处理器；以及
被安排成存储计算机可执行指令的存储器，所述可执行指令在被执行时使所述处理器执行以下操作：
当采集到目标用户的生物特征信息后，将所述生物特征信息发送给服务端设备；其中，所述生物特征信息用于所述服务端设备确定所述目标用户的支付信息，并基于所述 目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；
基于所述自助结算结果确定是否对所述目标用户放行。
第九方面，提出了一种计算机可读存储介质，所述计算机可读存储介质存储一个或多个程序，所述一个或多个程序当被包括多个应用程序的电子设备执行时，使得所述电子设备执行以下操作：
接收目标用户的结算信息；其中，所述结算信息是自助结算设备基于所述目标用户发起的支付请求进行自助支付得到，所述支付请求是针对自助结算设备通过扫描目标用户选取的商品获取的商品信息发起，所述结算信息至少包括：支付信息以及身份标识；
基于出口检验设备采集到的所述目标用户的生物特征信息确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；其中，所述自助结算结果用于指示所述出口检验设备是否对所述目标用户放行。
第十方面，提出了一种计算机可读存储介质，所述计算机可读存储介质存储一个或多个程序，所述一个或多个程序当被包括多个应用程序的电子设备执行时，使得所述电子设备执行以下操作：
当采集到目标用户的生物特征信息后，将所述生物特征信息发送给服务端设备；其中，所述生物特征信息用于所述服务端设备确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；
基于所述自助结算结果确定是否对所述目标用户放行。
由本说明书实施例提供的以上技术方案可见，通过自助结算设备对目标用户选取的商品进行自助结算，并由自助结算设备将结算信息上传给服务端设备，以便于目标用户完成购物后，基于出口检验设备采集的目标用户的生物特征信息，从本地存储的结算信息中匹配出支付信息，然后基于所述支付信息确定目标用户是否完成自助结算，出口检验设备基于自助结算结果确定是否对目标用户放行。从而，在投入成本大致相同的情况下，可以基于布设的自助结算设备减少甚至避免排队结算，提升用户的结算体验和结算速度。而且，还可以通过出口检验设备以及服务端设备的协同处理，减少用户结算逃单的情况。由此，从整体上提升结算效率。
附图说明
为了更清楚地说明本说明书实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本说明书中记载的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动性的前提下，还可以根据这些附图获得其他的附图。
图1a是本说明书的一个实施例提供的线下自助结算系统的架构示意图；
图1b是本说明书的一个实施例提供的自助结算设备102的结构示意图；
图1c是本说明书的另一个实施例提供的自助结算设备102的结构示意图；
图2a是本说明书的一个实施例提供的线下自助结算方法的步骤示意图之一；
图2b是本说明书的再一个实施例提供的线下自助结算方法的步骤示意图之二；
图3a是本说明书的一个实施例提供的线下自助结算方法的流程示意图；
图3b是本说明书的另一个实施例提供的线下自助结算方法的流程示意图；
图4是本说明书的一个实施例提供的线下自助结算方法的步骤示意图之三；
图5是本说明书的一个实施例提供的线下自助结算方法的步骤示意图之四；
图6是本说明书的一个实施例提供的电子设备的结构示意图；
图7是本说明书的一个实施例提供的线下自助结算装置700的结构示意图；
图8是本说明书的一个实施例提供的线下自助结算装置800的结构示意图。
具体实施方式
为了使本技术领域的人员更好地理解本说明书中的技术方案，下面将结合本说明书实施例中的附图，对本说明书实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本说明书一部分实施例，而不是全部的实施例。基于本说明书中的实施例，本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其他实施例，都应当属于本说明书保护的范围。
首先，介绍本说明书实施例中线下自助结算方案的系统架构。该系统架构所适用的应用场景可以为超市、大卖场等自助选购商品的场所。参照图1a所示，该系统架构可以包括：多个自助结算设备102、服务端设备104以及多个出口检验设备106；多个出 口检验设备106可以如图1a并排设置在购物场所的出口位置。
其中，参照图1b所示，所述自助结算设备102可以包括：支付终端1021以及自助收银终端1022；自助收银终端1022用于对目标用户选取的商品进行扫码以获取商品信息，支付终端1021用于辅助自助收银终端1022实现目标用户的自助支付；多个自助收银终端1022可以是自助收银台，分布在购物场所中不同位置；而支付终端1021可以为目标用户手持，例如可以是手机、平板电脑等，支付终端1021一般为目标用户随身携带，不受地点限制；服务端设备104作为后台服务器可设置在购物场所的机房内，分别与各个自助收银终端1022建立有无线连接或有线连接。考虑到自助收银终端1022的投入成本是固定的，而在相同投入成本的情况下，可以设置较多数目的自助收银终端1022，配合目标用户手持的支付终端1021，以缓解甚至解决排队问题。
或者，参照图1c所示，所述自助结算设备102可以为目标用户手持的支付终端1021；支付终端1021可用于对目标用户选取的商品进行扫码以获取商品信息，并通过自身的支付结算功能实现目标用户的自助支付。由于目标用户手持的支付终端1021可以是目标用户随身携带的手机、平板电脑等终端，并不受地点限制，可以在购物场所的任意选购区域实现自助结算，有效避免了排队困扰。
由此，不仅提升购物结算体验，还可以提升结算效率。另外，通过出口检验设备106与服务端设备104的配合，还可以确定顾客是否完成自助结算，并基于自助结算结果对目标用户进行拦截或放行。从而，有效减少甚至避免逃单。
实施例一
参照图2a所示，为本说明书实施例提供的一种线下自助结算方法的步骤示意图，该方法可以包括以下步骤：
步骤202：自助结算设备通过扫描目标用户选取的商品获取商品信息。
应理解，自助结算设备中设置有扫描装置，利用该扫描装置扫描目标用户选取的商品所携带的二维码或条形码，以获取商品信息。
其中，所述商品信息可以包括：商品类别、商品型号、商品单价、商品重量、商品尺寸、商品数量等信息中的一种或多种组合。
步骤204：自助结算设备基于所述目标用户发起的针对获取的商品信息的支付请求进行自助支付，并将所述目标用户的结算信息上传给服务端设备，其中，所述结算信息至少包括：支付信息以及身份标识。
在获取商品信息后，自助结算设备可以基于目标用户针对商品信息对应的商品中的至少一件商品所发起的支付请求，实现自助支付。
一种可实现的方案，所述自助结算设备可以包括：自助收银终端和支付终端；那么，步骤202中自助结算设备通过扫描目标用户选取的商品获取商品信息时，可具体包括：
自助收银终端通过扫描目标用户选取的商品获取商品信息。
换言之，自助收银终端通过本终端设置的扫描装置对商品的二维码或条形码进行扫描，以获取商品信息。所述扫描装置可以是与自助收银终端连接的可移动扫码枪或是固定在自助收银终端本体上的扫码设备。
相应地，步骤204中自助结算设备基于所述目标用户发起的针对获取的商品信息的支付请求进行自助支付，并将所述目标用户的结算信息上传给服务端设备时，可具体包括：
自助收银终端基于所述目标用户发起的针对获取的商品信息向支付终端发送支付请求；
支付终端基于所述支付请求进行自助支付，并向所述自助收银终端返回所述目标用户的结算信息；
所述自助收银终端将所述结算信息上传给服务端设备。
具体实现时，可以由目标用户基于自助收银终端上的商品信息手动触发结算操作，以在自助收银终端上展示订单信息；在目标用户确认并提交订单信息后，触发自助收银终端向目标用户手持的支付终端发起支付请求，目标用户可以通过手持的支付终端中的支付APP(例如，支付宝、电子银行或是其它关联支付APP)实现自助支付。之后，支付终端将结算信息返回给自助收银终端，并由自助收银终端上传给服务端设备。应理解，这里可以实现的前提是，自助收银终端向目标用户手持的支付终端发起支付请求之前，可以通过目标用户的输入操作获取支付终端的账号信息以可以与支付终端进行信息交互。
或者，也可以由目标用户基于自助收银终端上的商品信息手动触发结算操作，以在自助收银终端上展示订单信息；在目标用户确认并提交订单信息后，触发自助收银终端向目标用户手持的支付终端发起支付请求，该支付请求可以通过展示支付页面来实现，这样，目标用户可以通过手持的支付终端中的支付APP(例如，支付宝、电子银行或是其它关联支付APP)扫描支付页面以实现自助支付，或是，目标用户可以通过展示的支 付页面选择支付类型(例如，可以包括支付宝、电子银行或是其它关联支付APP等)，在自助收银终端跳转至相应支付类型对应的支付客户端后输入账号以及对应的支付密码进行自助支付。之后，支付终端(手持的支付终端或是支付客户端)将结算信息返回给自助收银终端，并由自助收银终端上传给服务端设备。其中，所述支付页面可以展示有：二维码、条形码、条形码编号等图形和/或文字信息。
另一种可实现的方案，所述自助结算设备包括：支付终端；
那么，步骤202中自助结算设备通过扫描目标用户选取的商品获取商品信息时，可具体包括：
支付终端通过扫描目标用户选取的商品获取商品信息。
换言之，目标用户手持的支付终端通过本终端设置的扫描装置对商品的二维码或条形码进行扫描，以获取商品信息。所述扫描装置可以是以摄像头等硬件设备实现扫码功能的内部装置。例如可以利用各种支付APP的扫一扫功能来扫码商品。
相应地，步骤204中自助结算设备基于所述目标用户发起的针对获取的商品信息的支付请求进行自助支付，并将所述目标用户的结算信息上传给服务端设备时，可具体包括：
目标用户手持的支付终端基于所述目标用户发起的针对获取的商品信息的支付请求进行自助支付，并将所述目标用户的结算信息上传给服务端设备。
例如，目标用户手持的支付终端可以通过支付宝中的扫一扫功能，对目标用户选取的商品进行扫码以获取商品信息；之后，可基于目标用户针对获取的商品信息发起的支付请求进行自助结算支付，并将结算信息上传给服务端设备。这种自助支付方式的结算成本相对较低，且可以将结算操作分散至每个目标用户上，在降低成本投入的情况下，可有效避免结算排队的困扰，进一步提升结算体验，同时还可以提升结算效率。
在本说明书实施例中，当完成自助支付后，自助结算设备可以获取到基于目标用户发起的支付请求所返回的支付信息，所述支付信息至少可以包括：已支付信息；其中，已支付信息中至少包括：已支付商品、已支付金额、已支付数量等信息。其实，当目标用户自助支付时余额不足或是只对订单信息中部分商品进行自助支付时，所述支付信息中还可能会包含未支付信息等，其中，未支付信息至少可以包括：未支付商品、未支付金额、未支付数量等信息。
应理解，自助结算设备可以将目标用户的结算信息上传给服务端设备，其中，所述 结算信息至少包括：支付信息以及身份标识。所述身份标识是表征目标用户身份唯一性的标识，可以是目标用户的姓名、代号或是证件号等。例如，所述结算信息可以为：目标用户A以及目标用户A的支付信息。
可选地，本说明书实施例所涉及的一种可实现的方案，所述身份标识基于所述目标用户的支付信息中的账户身份获取。一般而言，目标用户在进行自助支付时，可以基于目标用户在自助支付时所使用的支付APP中账户身份，生成相应的支付信息，即所述支付信息中包含有目标用户自助支付时所使用支付APP的账户身份，这样，自助结算设备可以将获取的支付信息，以及基于支付信息中提取的账户身份确定的身份标识，上传给服务端设备进行处理。
可选地，本说明书实施例所涉及的另一种可实现的方案，所述身份标识基于所述自助结算设备采集的所述目标用户的生物特征信息获取。应理解，所述自助结算设备还可以包含有生物特征采集装置，具体可以包括：图像采集装置、声纹采集装置或指纹采集装置等。例如，可以是具备面部采集功能和/或虹膜采集功能的摄像头、具备声纹采集功能的声学仪、具备指纹采集功能的指纹机等。相应地，自助结算设备在基于目标用户选取的商品进行自助支付时，还可以通过本设备的生物特征采集装置，采集目标用户的生物特征信息，所述生物特征信息可以包括：面部信息、虹膜信息、声纹信息或指纹信息等。这样，自助结算设备可以将获取的支付信息，以及基于采集的目标用户的生物特征信息获取的身份标识，上传给服务端设备进行处理。
步骤206：当出口检验设备采集到所述目标用户的生物特征信息后，将所述生物特征信息发送给所述服务端设备。
在目标用户选购商品并进行自助支付后，可以通过出口检验设备离开购物场所。所述出口检验设备可以设置为具有一定长度的出口通道，在目标用户进入该出口检验设备时，就可以通过出口检验设备中的生物特征采集装置，采集目标用户的生物特征信息，并将该生物特征信息发送给服务端设备。
应理解，出口检验设备中的生物特征采集装置可以与自动结算设备中的生物特征采集装置相同或不同。或者都同时设置有多种类型的生物特征采集装置，例如，自助结算设备中设置有摄像头以及指纹仪，出口检验设备中设置有摄像头以及指纹仪，这样，在摄像头采集的面部信息或虹膜信息不可靠的情况下，可以使用指纹仪采集目标用户的指纹信息。
步骤208：服务端设备基于所述生物特征信息确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果。
可选地，步骤208中，服务端设备基于所述生物特征信息确定所述目标用户的支付信息时，可以具体执行为：
第一步，所述服务端设备基于所述生物特征信息确定所述目标用户的身份标识。
考虑到大数据业务的普及，实名制的个人身份信息在各个业务领域被广泛推崇。因此，在服务端设备获取到出口检验设备采集的生物特征信息后，可以快速从大数据系统中匹配出目标用户的身份标识。可选地，为了保证目标用户的个人信息安全，本说明书实施例中所涉及的身份标识可以是一种机器识别语言，例如，一串预设长度的字符串。
第二步，所述服务端设备基于所述目标用户的身份标识确定相匹配的所述目标用户的支付信息。
服务端设备基于所述身份标识，从本地存储的结算信息中，查找与所述身份标识匹配的支付信息。应理解，此时查找到的支付信息，可以是一个结算信息中的支付信息，也可以是多个结算信息中的多个支付信息的总和(即自助结算设备基于目标用户的多次自助支付而上传了多个结算信息)。
可选地，步骤208中，服务端设备基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果，具体可以包括：
所述服务端设备基于所述目标用户的支付信息，确定所述目标用户是否完成自助结算，并向所述出口检验设备返回所述目标用户的自助结算结果。
在本说明书实施例中，所述服务端设备基于所述目标用户的支付信息，确定所述目标用户是否完成自助结算，具体可以通过以下三种方式实现，下面分别介绍。
方式一：
所述服务端设备基于所述目标用户的支付信息，确定所述目标用户是否完成自助结算，包括：
如果所述目标用户的支付信息中存在未支付信息，则确定所述目标用户未完成自助结算；
如果所述目标用户的支付信息中不存在未支付信息，则确定所述目标用户完成自助结算。
这样，服务端设备可以根据目标用户的支付信息中是否存在未支付信息，确定目标用户是否完成自助结算，该方式可以较为直接、快速的实现对目标用户是否完成自助结算的确定，减少结算逃单概率，提升结算效率。
方式二：
所述结算信息还包括：所述目标用户选取的商品的商品信息。
所述服务端设备基于所述目标用户的身份标识确定相匹配的所述目标用户的支付信息，包括：
所述服务端设备基于所述目标用户的身份标识确定相匹配的所述目标用户的支付信息以及所述目标用户的商品信息。
所述服务端设备基于所述目标用户的支付信息，确定所述目标用户是否完成自助结算，包括：
所述服务端设备基于所述目标用户的商品信息，对所述目标用户的支付信息进行核验，并基于核验结果确定所述目标用户是否完成自助结算。
所述服务端设备基于所述目标用户的商品信息，对所述目标用户的支付信息进行核验，并基于核验结果确定所述目标用户是否完成自助结算，包括：
所述服务端设备基于所述目标用户的商品信息中商品数量以及商品单价，计算所述目标用户选取商品的支付金额；
所述服务端设备基于所述支付金额对所述目标用户的支付信息中已支付信息进行核验；
如果核验通过，则确定所述目标用户完成自助结算；
否则，确定所述目标用户未完成自助结算。
这样，服务端设备可以根据目标用户的商品信息计算目标用户选取商品的支付金额，并根据支付金额与支付信息中已支付信息所涉及的支付金额是否相符来确定目标用户是否完成自助结算，该方式二结合了目标用户选取商品的商品信息来对支付信息中已支付信息进行核验，可以更为准确的确定目标用户是否存在结算逃单，提升结算效率。
需要说明的是，在上述方式一和方式二中，所涉及的目标用户的支付信息以及目标用户的商品信息，都可以理解为目标用户在本次购物所生成的本次结算信息，以区别下述方式三中的历史结算信息。
方式三：
所述结算信息还包括：所述目标用户选取的商品的商品信息。
基于所述目标用户的身份标识确定相匹配的所述目标用户的支付信息，包括：
所述服务端设备基于所述目标用户的身份标识确定相匹配的所述目标用户的支付信息、所述目标用户的商品信息以及所述目标用户的历史结算信息。
所述历史结算信息至少包括以下信息之一或组合：
从本地服务端设备获取的所述目标用户的历史支付信息、历史自助结算结果；从对应其它购物场所的其它服务端设备获取的所述目标用户的历史支付信息、历史自助结算结果；从第三方信用评估机构获取的所述目标用户的信用等级信息。
其中，所述第三方信用评估机构可以是银行、支付宝、或其它可以获得信用等级的APP。例如，信用等级信息可以为从银行获取的个人信用等级，从支付宝获取的花呗等级(具体可以是花呗额度)、借呗等级(具体可以是借呗额度)、蚂蚁等级(具体可以是蚂蚁积分)等。
所述服务端设备基于所述目标用户的支付信息，确定所述目标用户是否完成自助结算，包括：
第一步，所述服务端设备基于所述目标用户的支付信息、所述目标用户的商品信息以及所述目标用户的历史结算信息，确定所述目标用户的结算指数，所述结算指数用于评估所述目标用户执行自助结算行为的概率；
具体实现时，所述服务端设备可以基于所述目标用户的支付信息、所述目标用户的商品信息以及所述目标用户的历史结算信息，分别提取表征在本地购物场所结算水平的第一结算数据、表征在其它购物场所结算水平的第二结算数据以及表征在第三方信用评估机构授予信用等级的信用数据；所述服务端设备将所述第一结算数据、所述第二结算数据以及所述信用数据，输入预设结算指数模型，得到所述目标用户的结算指数。
应理解，本说明书所涉及的预设结算指数模型可以是线性加权平均模型，例如，该线性加权平均模型中，第一结算数据对应第一权重因子，第二结算数据对应第二权重因子，信用数据对应第三权重因子。其中，可以根据历史结算数据对模型进行调试，以确定第一权重因子、第二权重因子和第三权重因子各自的取值。其实，所述预设结算指数模型还可以基于人工智能技术、机器学习算法、深度学习算法等方式模拟训练得到， 本说明书实施例并不对此进行限定。
第二步，所述服务端设备基于所述结算指数，确定所述目标用户是否完成自助结算。
具体实现时，所述服务端设备可以将所述结算指数与预设阈值进行比对；
如果所述结算指数大于等于所述预设阈值，则确定所述目标用户完成自助结算；
否则，确定所述目标用户未完成自助结算。
其中，预设阈值可以是基于历史结算信息或是对多个时段内本地购物场所的逃单概率所得到的经验值。
步骤210：所述出口检验设备基于所述自助结算结果确定是否对所述目标用户放行。
通过本说明书实施例的技术方案，采用自助结算设备对目标用户选取的商品进行自助结算，并由自助结算设备将结算信息上传给服务端设备，以便于目标用户完成购物后，基于出口检验设备采集的目标用户的生物特征信息，从本地存储的结算信息中匹配出支付信息，然后基于所述支付信息确定目标用户是否完成自助结算，出口检验设备基于自助结算结果确定是否对目标用户放行。从而，在投入成本大致相同的情况下，可以基于布设的自助结算设备减少甚至避免排队结算，提升用户的结算体验和结算速度。而且，还可以通过出口检验设备以及服务端设备的协同处理，减少用户结算逃单的情况。由此，从整体上提升结算效率。
可选地，本说明书实施例的一种可实现方式，所述出口检验设备中设置有拦截设备，那么，所述出口检验设备基于所述自助结算结果确定是否对所述目标用户放行，可以具体执行为：
如果所述目标用户完成自助结算，则所述出口检验设备控制打开拦截设备以对所述目标用户放行；否则，所述出口检验设备控制所述拦截设备保持关闭以对所述目标用户拦截。该方式中的拦截设备可以理解为自动闸门或是自动闸机，出口检验设备可以根据自主结算结果灵活控制拦截设备保持关闭或是打开，从而，实现对未完成自助结算的目标用户的自动拦截。应理解，所述拦截设备在一般情况下默认处于关闭状态。
可选地，本说明书实施例的另一种可实现方式，所述出口检验设备可以理解为畅通的通道，那么，所述出口检验设备基于所述自助结算结果确定是否对所述目标用户 放行，可以具体执行为：
如果所述目标用户完成自助结算，则所述出口检验设备不作处理以对所述目标用户放行；否则，所述出口检验设备向报警设备发送拦截提醒，以对所述目标用户拦截。该方式中的报警设备可以设置在出口检验设备上，例如该报警设备可以是报警器，在出口检验设备发出拦截提醒后，报警器可以播放报警提示音，以提醒工作人员对此时通行的目标用户进行拦截；或者，报警设备可以为工作人员的手持终端，在出口检验设备发出拦截提醒后，手持终端可以提醒工作人员对此时通行的目标用户进行拦截。从而，通过发送拦截提醒的方式，实现对未完成自助结算的目标用户的人工拦截。
可选地，在本说明书实施例中，为了进一步减少逃单情况，还可以通过对目标用户进入购物场所以及离开购物场所时的测重对目标用户进行结算核验。此时，所述结算信息还包括：入口检验设备采集的所述目标用户的第一重量，以及所述出口设备采集的携带有商品的所述目标用户的第二重量。
参照图2b所示，所述方法还包括：
步骤212：所述服务端设备基于所述生物特征信息确定所述目标用户的商品信息以及第一重量、第二重量。
步骤214：所述服务端设备基于所述目标用户的商品信息以及第一重量、第二重量，确定是否对所述目标用户进行结算核验。
可选地，步骤214中，所述服务端设备基于所述目标用户的商品信息以及第一重量、第二重量，确定是否对所述目标用户进行结算核验时，可以具体执行为：
所述服务端设备基于所述目标用户的商品信息中商品数量和单个商品重量，确定所述目标用户选取的商品的总重量；如果所述目标用户的第一重量与第二重量之差的绝对值大于所述目标用户选取的商品的总重量，则对所述目标用户进行结算核验；否则，不作处理。
应理解，在本说明书实施例中，考虑到在对目标用户进行结算核验时，可能需要人工参与来实现。因此，所述服务端设备在确定对所述目标用户进行结算核验后，可以向核验人员的手持终端发送核验提醒，所述核验提醒可以包含：目标用户离开购物场所时所通过的出口检验设备的标识。核验人员可以根据接收到的核验提醒，对由相应出口检验设备离开的目标用户进行结算核验。
可选地，本说明书实施例中，在所述服务端设备向所述出口检验设备返回所述 目标用户的自助结算结果之后，所述方法还包括：
所述服务端设备将本地所述目标用户的支付信息和自助结算结果分别标记为历史支付信息和历史自助结算结果。从而，在服务端设备中区分同一目标用户在不同购物期间所产生的支付信息和自助结算结果。
下面通过具体的实施例对本说明书所涉及的线下自助结算方案进行详述。
参照图3a所示，以顾客A(即相当于目标用户)在超市购物为例，顾客A手持的支付终端可以为手机A’，该超市的多个场所分布式设置有多台自助收银台B，以便于顾客A可以随时随地进行自助结算。该线下自助结算流程中还涉及到本地后台服务器C、人脸识别门D、其它超市的后台服务器E、第三方评估机构F以及抽检人员G。所述线下自助结算流程可以包括：
步骤302a：自助收银台B基于顾客A发起的商品扫码请求对选取的商品进行扫码。
在扫码完成后，自助收银台B可以获取被扫码的商品的商品信息。其实，在扫码的同时，自助收银台B还可以采集顾客A的面部图像，通过人脸识别获取顾客A的身份信息。
步骤304a：手机A’基于自助收银台B发送的支付请求进行自助支付。
具体实现时，自助收银台B可以基于顾客A针对扫码的商品中的部分或全部商品发起支付请求，结合商品信息中的商品单价以及商品数量确定支付金额，并向顾客A展示基于支付金额生成的付款码。顾客A通过手机A’中支付宝扫描付款码以完成自助支付，并生成相应支付信息。
步骤306a：手机A’将支付信息发送给自助收银台B。
步骤308a：自助收银台B将商品信息、身份信息以及支付信息发送给本地后台服务器C。
该步骤中，自助收银台B可以将商品信息、身份信息以及支付信息作为结算信息，一起发送给本地后台服务器C进行存储。
步骤310a：在顾客A经过人脸识别门D将要离开时，人脸识别门D进行面部识别。
步骤312a：人脸识别门D将识别到的面部信息发送给本地后台服务器C，并发 起结算指数评估请求。
步骤314a：本地后台服务器C从第三方评估机构F获取顾客A的信用等级。
具体地，可以分别获取花呗额度、借呗额度、蚂蚁积分等，然后基于不同的权重比例计算得到顾客A的信用等级。也可以基于其中之一确定顾客A的信用等级。
步骤316a：本地后台服务器C从其它超市的后台服务器E获取顾客A的历史结算信息。
步骤318a：本地后台服务器C从本地获取顾客A本次支付信息、历史支付信息以及历史自助结算结果。
应理解，在本说明书实施例中，步骤314a、步骤316a以及步骤318a的执行顺序不作限定。
步骤320a：本地后台服务器C基于从第三方评估机构F获取的信用等级、从其它超市的后台服务器E获取的历史结算信息，以及从本地获取的本次支付信息、历史支付信息以及历史自助结算结果，计算目标用户的结算指数。
步骤322a：本地后台服务器C根据所述结算指数确定目标用户是否完成自助结算，并将自助结算结果返回给抽检人员G。
其实，本地后台服务器C将自助结算结果返回给核验人员G的手持终端。应理解，这里的人脸识别门D与抽检人员G的手持终端可以视为本说明书中的出口检验设备。所述手持终端中安装有报警设备。
步骤324a：抽检人员G根据手持终端中报警设备是否发出报警提醒，对目标用户进行人工拦截。
具体地，拦截后抽检人员G需要对目标用户进行结算检查，从而通过抽检的方式进行人工检查，有效减少结算逃单。
参照图3b所示，以顾客A(即相当于目标用户)在超市购物为例，顾客A手持的支付终端可以为手机A’，顾客A可以借助手机A’随时随地进行自助结算。该线下自助结算流程中还涉及到本地后台服务器C、人脸识别门D、其它超市的后台服务器E、第三方评估机构F以及抽检人员G。所述线下自助结算流程可以包括：
步骤302b：手机A’基于顾客A发起的商品扫码请求对选取的商品进行扫码，并进行自助支付。
具体实现时，可以通过手机A’中顾客A的支付宝客户端对商品进行扫码，以获取商品信息。在扫码完成后，手机A’可以基于顾客A针对扫码的商品中的部分或全部商品发起支付请求进行自助支付，并生成相应支付信息。
步骤304b：手机A’将商品信息、身份信息以及支付信息发送给本地后台服务器C。
该步骤中，手机A’可以将商品信息、身份信息以及支付信息作为结算信息，一起发送给本地后台服务器C进行存储。
步骤306b：在顾客A经过人脸识别门D将要离开时，人脸识别门D进行面部识别。
步骤308b：人脸识别门D将识别到的面部信息发送给本地后台服务器C，并发起结算指数评估请求。
步骤310b：本地后台服务器C从第三方评估机构F获取顾客A的信用等级。
具体地，可以分别获取花呗额度、借呗额度、蚂蚁积分等，然后基于不同的权重比例计算得到顾客A的信用等级。也可以基于其中之一确定顾客A的信用等级。
步骤312b：本地后台服务器C从其它超市的后台服务器E获取顾客A的历史结算信息。
步骤314b：本地后台服务器C从本地获取顾客A本次支付信息、历史支付信息以及历史自助结算结果。
应理解，在本说明书实施例中，步骤310b、步骤312b以及步骤314b的执行顺序不作限定。
步骤316b：本地后台服务器C基于从第三方评估机构F获取的信用等级、从其它超市的后台服务器E获取的历史结算信息，以及从本地获取的本次支付信息、历史支付信息以及历史自助结算结果，计算目标用户的结算指数。
步骤318b：本地后台服务器C根据所述结算指数确定目标用户是否完成自助结算，并将自助结算结果返回给抽检人员G。
其实，本地后台服务器C将自助结算结果返回给核验人员G的手持终端。应理解，这里的人脸识别门D与抽检人员G的手持终端可以视为本说明书中的出口检验设备。所述手持终端中安装有报警设备。
步骤320b：抽检人员G根据手持终端中报警设备是否发出报警提醒，对目标用户进行人工拦截。
具体地，拦截后抽检人员G需要对目标用户进行结算检查，从而通过抽检的方式进行人工检查，有效减少结算逃单。
实施例二
参照图4所示，为本说明书实施例提供的线下自助结算方法的步骤示意图，该方法的执行主体是线下自助结算装置，具体可以是服务端设备，该服务端设备可以是例如：计算机、智能手机、其它智能手持终端等。所述线下自助结算方法可以包括：
步骤402：服务端设备接收目标用户的结算信息；其中，所述结算信息是自助结算设备基于所述目标用户发起的支付请求进行自助支付得到，所述支付请求是针对自助结算设备通过扫描目标用户选取的商品获取的商品信息发起，所述结算信息至少包括：支付信息以及身份标识。
步骤404：所述服务端设备基于出口检验设备采集到的所述目标用户的生物特征信息确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；其中，所述自助结算结果用于指示所述出口检验设备是否对所述目标用户放行。
应理解，在本说明书实施例中，所述服务端设备还可以执行实施例一所涉及的可选方案，在此不做赘述。
参照图5所示，为本说明书实施例提供的线下自助结算方法的步骤示意图，该方法的执行主体是线下自助结算装置，具体可以是出口检验设备，该出口检验设备可以是门状设备或是通道闸口设备，并设置有生物特征信息采集装置。所述线下自助结算方法可以包括：
步骤502：当出口检验设备采集到目标用户的生物特征信息后，将所述生物特征信息发送给服务端设备；其中，所述生物特征信息用于所述服务端设备确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果。
步骤504：所述出口检验设备基于所述自助结算结果确定是否对所述目标用户放行。
应理解，在本说明书实施例中，所述出口检验设备还可以执行实施例一所涉及的可选方案，在此不做赘述。
通过本说明书实施例的技术方案，采用自助结算设备对目标用户选取的商品进行自助结算，并由自助结算设备将结算信息上传给服务端设备，以便于目标用户完成购物后，基于出口检验设备采集的目标用户的生物特征信息，从本地存储的结算信息中匹配出支付信息，然后基于所述支付信息确定目标用户是否完成自助结算，出口检验设备基于自助结算结果确定是否对目标用户放行。从而，在投入成本大致相同的情况下，可以基于布设的自助结算设备减少甚至避免排队结算，提升用户的结算体验和结算速度。而且，还可以通过出口检验设备以及服务端设备的协同处理，减少用户结算逃单的情况。由此，从整体上提升结算效率。
实施例三
图6是本说明书的一个实施例电子设备的结构示意图。请参考图6，在硬件层面，该电子设备包括处理器，可选地还包括内部总线、网络接口、存储器。其中，存储器可能包含内存，例如高速随机存取存储器(Random-Access Memory，RAM)，也可能还包括非易失性存储器(non-volatile memory)，例如至少1个磁盘存储器等。当然，该电子设备还可能包括其他业务所需要的硬件。
处理器、网络接口和存储器可以通过内部总线相互连接，该内部总线可以是ISA(Industry Standard Architecture，工业标准体系结构)总线、PCI(Peripheral Component Interconnect，外设部件互连标准)总线或EISA(Extended Industry Standard Architecture，扩展工业标准结构)总线等。所述总线可以分为地址总线、数据总线、控制总线等。为便于表示，图6中仅用一个双向箭头表示，但并不表示仅有一根总线或一种类型的总线。
存储器，用于存放程序。具体地，程序可以包括程序代码，所述程序代码包括计算机操作指令。存储器可以包括内存和非易失性存储器，并向处理器提供指令和数据。
处理器从非易失性存储器中读取对应的计算机程序到内存中然后运行，在逻辑层面上形成共享资源访问控制装置。处理器，执行存储器所存放的程序，并具体用于执行以下操作：
接收目标用户的结算信息；其中，所述结算信息是自助结算设备基于所述目标用户发起的支付请求进行自助支付得到，所述支付请求是针对自助结算设备通过扫描目标用户选取的商品获取的商品信息发起，所述结算信息至少包括：支付信息以及身份标 识；
基于出口检验设备采集到的所述目标用户的生物特征信息确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；其中，所述自助结算结果用于指示所述出口检验设备是否对所述目标用户放行。
或者，执行以下操作：
当采集到目标用户的生物特征信息后，将所述生物特征信息发送给服务端设备；其中，所述生物特征信息用于所述服务端设备确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；
基于所述自助结算结果确定是否对所述目标用户放行。
上述如本说明书图2a-图5所示实施例揭示的线下自助结算装置执行的方法可以应用于处理器中，或者由处理器实现。处理器可能是一种集成电路芯片，具有信号的处理能力。在实现过程中，上述方法的各步骤可以通过处理器中的硬件的集成逻辑电路或者软件形式的指令完成。上述的处理器可以是通用处理器，包括中央处理器(Central Processing Unit，CPU)、网络处理器(Network Processor，NP)等；还可以是数字信号处理器(Digital Signal Processor，DSP)、专用集成电路(Application Specific Integrated Circuit，ASIC)、现场可编程门阵列(Field－Programmable Gate Array，FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件。可以实现或者执行本说明书实施例中公开的各方法、步骤及逻辑框图。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等。结合本说明书实施例所公开的方法的步骤可以直接体现为硬件译码处理器执行完成，或者用译码处理器中的硬件及软件模块组合执行完成。软件模块可以位于随机存储器，闪存、只读存储器，可编程只读存储器或者电可擦写可编程存储器、寄存器等本领域成熟的存储介质中。该存储介质位于存储器，处理器读取存储器中的信息，结合其硬件完成上述方法的步骤。
该电子设备还可执行图2a的方法，并实现线下自助结算装置在图2a-图5所示实施例的功能，本说明书实施例在此不再赘述。
当然，除了软件实现方式之外，本说明书实施例的电子设备并不排除其他实现方式，比如逻辑器件抑或软硬件结合的方式等等，也就是说以下处理流程的执行主体并不限定于各个逻辑单元，也可以是硬件或逻辑器件。
通过本说明书实施例的技术方案，采用自助结算设备对目标用户选取的商品进行自助结算，并由自助结算设备将结算信息上传给服务端设备，以便于目标用户完成购物后，基于出口检验设备采集的目标用户的生物特征信息，从本地存储的结算信息中匹配出支付信息，然后基于所述支付信息确定目标用户是否完成自助结算，出口检验设备基于自助结算结果确定是否对目标用户放行。从而，在投入成本大致相同的情况下，可以基于布设的自助结算设备减少甚至避免排队结算，提升用户的结算体验和结算速度。而且，还可以通过出口检验设备以及服务端设备的协同处理，减少用户结算逃单的情况。由此，从整体上提升结算效率。
实施例四
本说明书实施例还提出了一种计算机可读存储介质，该计算机可读存储介质存储一个或多个程序，该一个或多个程序包括指令，该指令当被包括多个应用程序的便携式电子设备执行时，能够使该便携式电子设备执行图2a所示实施例的方法，并具体用于执行以下方法：
接收目标用户的结算信息；其中，所述结算信息是自助结算设备基于所述目标用户发起的支付请求进行自助支付得到，所述支付请求是针对自助结算设备通过扫描目标用户选取的商品获取的商品信息发起，所述结算信息至少包括：支付信息以及身份标识；
基于出口检验设备采集到的所述目标用户的生物特征信息确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；其中，所述自助结算结果用于指示所述出口检验设备是否对所述目标用户放行。
或者，执行以下操作：
当采集到目标用户的生物特征信息后，将所述生物特征信息发送给服务端设备；其中，所述生物特征信息用于所述服务端设备确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；
基于所述自助结算结果确定是否对所述目标用户放行。
通过本说明书实施例的技术方案，采用自助结算设备对目标用户选取的商品进行自助结算，并由自助结算设备将结算信息上传给服务端设备，以便于目标用户完成购物后，基于出口检验设备采集的目标用户的生物特征信息，从本地存储的结算信息中匹 配出支付信息，然后基于所述支付信息确定目标用户是否完成自助结算，出口检验设备基于自助结算结果确定是否对目标用户放行。从而，在投入成本大致相同的情况下，可以基于布设的自助结算设备减少甚至避免排队结算，提升用户的结算体验和结算速度。而且，还可以通过出口检验设备以及服务端设备的协同处理，减少用户结算逃单的情况。由此，从整体上提升结算效率。
实施例五
参照图1a所示，为本说明书实施例提供的线下自助结算系统的结构示意图，该系统可以包括：自助结算设备102、服务端设备104以及出口检验设备106；其中，
所述自助结算设备102通过扫描目标用户选取的商品获取商品信息；以及，基于所述目标用户发起的针对获取的商品信息的支付请求进行自助支付，并将所述目标用户的结算信息上传给服务端设备，其中，所述结算信息至少包括：支付信息以及身份标识；
所述出口检验设备106采集到所述目标用户的生物特征信息后，将所述生物特征信息发送给所述服务端设备；
所述服务端设备104基于所述生物特征信息确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；
所述出口检验设备106基于所述自助结算结果确定是否对所述目标用户放行。
可选地，所述自助结算设备102包括：自助收银终端和支付终端；
所述自助收银终端，可用于通过扫描目标用户选取的商品获取商品信息；以及，基于所述目标用户发起的针对获取的商品信息向支付终端发送支付请求；
所述支付终端，可用于基于所述支付请求进行自助支付，并向所述自助收银终端返回所述目标用户的结算信息；
所述自助收银终端，还用于将所述结算信息上传给服务端设备。
可选地，所述自助结算设备102包括：支付终端；
所述支付终端，可用于：通过扫描目标用户选取的商品获取商品信息；以及，基于所述目标用户发起的针对获取的商品信息的支付请求进行自助支付，并将所述目标用户的结算信息上传给服务端设备。
图7为本说明书的一个实施例提供的线下自助结算装置700的结构示意图。请 参考图7，在一种软件实施方式中，线下自助结算装置700可包括：
接收模块702，接收目标用户的结算信息；其中，所述结算信息是自助结算设备基于所述目标用户发起的支付请求进行自助支付得到，所述支付请求是针对自助结算设备通过扫描目标用户选取的商品获取的商品信息发起，所述结算信息至少包括：支付信息以及身份标识；
处理模块704，基于出口检验设备采集到的所述目标用户的生物特征信息确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；其中，所述自助结算结果用于指示所述出口检验设备是否对所述目标用户放行。
图8为本说明书的一个实施例提供的线下自助结算装置800的结构示意图。请参考图8，在一种软件实施方式中，线下自助结算装置800可包括：
发送模块802，当采集到目标用户的生物特征信息后，将所述生物特征信息发送给服务端设备；其中，所述生物特征信息用于所述服务端设备确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；
处理模块804，基于所述自助结算结果确定是否对所述目标用户放行。
通过本说明书实施例的技术方案，采用自助结算设备对目标用户选取的商品进行自助结算，并由自助结算设备将结算信息上传给服务端设备，以便于目标用户完成购物后，基于出口检验设备采集的目标用户的生物特征信息，从本地存储的结算信息中匹配出支付信息，然后基于所述支付信息确定目标用户是否完成自助结算，出口检验设备基于自助结算结果确定是否对目标用户放行。从而，在投入成本大致相同的情况下，可以基于布设的自助结算设备减少甚至避免排队结算，提升用户的结算体验和结算速度。而且，还可以通过出口检验设备以及服务端设备的协同处理，减少用户结算逃单的情况。由此，从整体上提升结算效率。
可选地，作为一个实施例，所述身份标识基于所述目标用户的支付信息中的账户身份获取。具体地，该身份标识可以由线下自助结算装置700的接收模块702从支付信息中获取。
可选地，作为另一个实施例，所述身份标识基于所述自助结算设备采集的所述目标用户的生物特征信息获取。具体地，该身份标识可以由线下自助结算装置700的接 收模块702从连接的生物特征信息采集装置中获取。
在本说明书实施例的一种具体实现方式中，所述线下自助结算装置700的处理模块704基于所述生物特征信息确定所述目标用户的支付信息时，具体用于：
基于所述生物特征信息确定所述目标用户的身份标识；
基于所述目标用户的身份标识确定相匹配的所述目标用户的支付信息。
在本说明书实施例的一种具体实现方式中，所述线下自助结算装置700的处理模块704基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果时，具体用于：
基于所述目标用户的支付信息，确定所述目标用户是否完成自助结算，并向所述出口检验设备返回所述目标用户的自助结算结果。
在本说明书实施例的一种具体实现方式中，所述线下自助结算装置700的处理模块704基于所述目标用户的支付信息，确定所述目标用户是否完成自助结算时，可具体用于：
如果所述目标用户的支付信息中存在未支付信息，则确定所述目标用户未完成自助结算；如果所述目标用户的支付信息中不存在未支付信息，则确定所述目标用户完成自助结算。
在本说明书实施例的一种具体实现方式中，所述结算信息还包括：所述目标用户选取的商品的商品信息；
所述线下自助结算装置700的处理模块704基于所述目标用户的身份标识确定相匹配的所述目标用户的支付信息时，可具体用于：
基于所述目标用户的身份标识确定相匹配的所述目标用户的支付信息以及所述目标用户的商品信息。以及，
所述线下自助结算装置700的处理模块704基于所述目标用户的支付信息，确定所述目标用户是否完成自助结算时，可具体用于：
基于所述目标用户的商品信息，对所述目标用户的支付信息进行核验，并基于核验结果确定所述目标用户是否完成自助结算。
在本说明书实施例的一种具体实现方式中，所述线下自助结算装置700的处理模块704基于所述目标用户的商品信息，对所述目标用户的支付信息进行核验，并基于 核验结果确定所述目标用户是否完成自助结算时，可具体用于：
基于所述目标用户的商品信息中商品数量以及商品单价，计算所述目标用户选取商品的支付金额；基于所述支付金额对所述目标用户的支付信息中已支付信息进行核验；如果核验通过，则确定所述目标用户完成自助结算；否则，确定所述目标用户未完成自助结算。
在本说明书实施例的一种具体实现方式中，所述结算信息还包括：所述目标用户选取的商品的商品信息；
所述线下自助结算装置700的处理模块704基于所述目标用户的身份标识确定相匹配的所述目标用户的支付信息时，具体用于：
基于所述目标用户的身份标识确定相匹配的所述目标用户的支付信息、所述目标用户的商品信息以及所述目标用户的历史结算信息。以及，
所述线下自助结算装置700的处理模块704基于所述目标用户的支付信息，确定所述目标用户是否完成自助结算时，可具体用于：
基于所述目标用户的支付信息、所述目标用户的商品信息以及所述目标用户的历史结算信息，确定所述目标用户的结算指数，所述结算指数用于评估所述目标用户执行自助结算行为的概率；所述服务端设备基于所述结算指数，确定所述目标用户是否完成自助结算。
在本说明书实施例的一种具体实现方式中，所述历史结算信息至少包括以下信息之一或组合：
从本地服务端设备获取的所述目标用户的历史支付信息、历史自助结算结果；
从对应其它购物场所的其它服务端设备获取的所述目标用户的历史支付信息、历史自助结算结果；
从第三方信用评估机构获取的所述目标用户的信用等级信息。
在本说明书实施例的一种具体实现方式中，所述线下自助结算装置700的处理模块704基于所述目标用户的支付信息、所述目标用户的商品信息以及所述目标用户的历史结算信息，确定所述目标用户的结算指数时，可具体用于：
基于所述目标用户的支付信息、所述目标用户的商品信息以及所述目标用户的历史结算信息，分别提取表征在本地购物场所结算水平的第一结算数据、表征在其它购 物场所结算水平的第二结算数据以及表征在第三方信用评估机构授予信用等级的信用数据；将所述第一结算数据、所述第二结算数据以及所述信用数据，输入预设结算指数模型，得到所述目标用户的结算指数。
在本说明书实施例的一种具体实现方式中，所述线下自助结算装置700的处理模块704基于所述结算指数，确定所述目标用户是否完成自助结算时，可具体用于：
将所述结算指数与预设阈值进行比对；如果所述结算指数大于等于所述预设阈值，则确定所述目标用户完成自助结算；否则，确定所述目标用户未完成自助结算。
在本说明书实施例的一种具体实现方式中，所述线下自助结算装置800的处理模块804基于所述自助结算结果确定是否对所述目标用户放行时，可具体用于：
如果所述目标用户完成自助结算，则控制打开拦截设备以对所述目标用户放行；否则，控制所述拦截设备保持关闭以对所述目标用户拦截。
在本说明书实施例的一种具体实现方式中，所述线下自助结算装置800的处理模块804基于所述自助结算结果确定是否对所述目标用户放行时，可具体用于：
如果所述目标用户完成自助结算，则不作处理以对所述目标用户放行；否则，向报警设备发送拦截提醒，以对所述目标用户拦截。
在本说明书实施例的一种具体实现方式中，所述结算信息还包括：入口检验设备采集的所述目标用户的第一重量，以及所述出口设备采集的携带有商品的所述目标用户的第二重量；
所述线下自助结算装置700的处理模块704还用于：
基于所述生物特征信息确定所述目标用户的商品信息以及第一重量、第二重量；基于所述目标用户的商品信息以及第一重量、第二重量，确定是否对所述目标用户进行结算核验。
在本说明书实施例的一种具体实现方式中，所述线下自助结算装置700的处理模块704基于所述目标用户的商品信息以及第一重量、第二重量，确定是否对所述目标用户进行结算核验时，可具体用于：
基于所述目标用户的商品信息中商品数量和单个商品重量，确定所述目标用户选取的商品的总重量；如果所述目标用户的第一重量与第二重量之差的绝对值大于所述目标用户选取的商品的总重量，则对所述目标用户进行结算核验；否则，不作处理。
在本说明书实施例的一种具体实现方式中，所述线下自助结算装置700还可以包括：标记模块，所述标记模块用于在处理模块704向所述出口检验设备返回所述目标用户的自助结算结果之后，将本地所述目标用户的支付信息和自助结算结果分别标记为历史支付信息和历史自助结算结果。
应理解，本说明书实施例的线下自助结算装置还可执行图2a-图5中的方法，并实现线下自助结算装置(或设备)在图2a-图5所示实施例的对应功能，在此不再赘述。
总之，以上所述仅为本说明书的较佳实施例而已，并非用于限定本说明书的保护范围。凡在本说明书的精神和原则之内，所作的任何修改、等同替换、改进等，均应包含在本说明书的保护范围之内。
上述实施例阐明的系统、装置、模块或单元，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机。具体的，计算机例如可以为个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任何设备的组合。
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。
本说明书中的各个实施例均采用递进的方式描述，各个实施例之间相同相似的 部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于系统实施例而言，由于其基本相似于方法实施例，所以描述的比较简单，相关之处参见方法实施例的部分说明即可。

Claims (24)

  1. 一种线下自助结算方法，包括：
    自助结算设备通过扫描目标用户选取的商品获取商品信息；
    所述自助结算设备基于所述目标用户发起的针对获取的商品信息的支付请求进行自助支付，并将所述目标用户的结算信息上传给服务端设备，其中，所述结算信息至少包括：支付信息以及身份标识；
    当出口检验设备采集到所述目标用户的生物特征信息后，将所述生物特征信息发送给所述服务端设备；
    所述服务端设备基于所述生物特征信息确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；
    所述出口检验设备基于所述自助结算结果确定是否对所述目标用户放行。
  2. 如权利要求1所述的方法，所述自助结算设备包括：自助收银终端和支付终端；
    自助结算设备通过扫描目标用户选取的商品获取商品信息，包括：
    自助收银终端通过扫描目标用户选取的商品获取商品信息；
    所述自助结算设备基于所述目标用户发起的针对获取的商品信息的支付请求进行自助支付，并将所述目标用户的结算信息上传给服务端设备，包括：
    所述自助收银终端基于所述目标用户发起的针对获取的商品信息向支付终端发送支付请求；
    支付终端基于所述支付请求进行自助支付，并向所述自助收银终端返回所述目标用户的结算信息；
    所述自助收银终端将所述结算信息上传给服务端设备。
  3. 如权利要求1所述的方法，所述自助结算设备包括：支付终端；
    自助结算设备通过扫描目标用户选取的商品获取商品信息，包括：
    支付终端通过扫描目标用户选取的商品获取商品信息；
    所述自助结算设备基于所述目标用户发起的针对获取的商品信息的支付请求进行自助支付，并将所述目标用户的结算信息上传给服务端设备，包括：
    所述支付终端基于所述目标用户发起的针对获取的商品信息的支付请求进行自助支付，并将所述目标用户的结算信息上传给服务端设备。
  4. 如权利要求1所述的方法，所述身份标识基于所述目标用户的支付信息中的账户身份获取。
  5. 如权利要求1所述的方法，所述身份标识基于所述自助结算设备采集的所述目 标用户的生物特征信息获取。
  6. 如权利要求1-5任一项所述的方法，所述服务端设备基于所述生物特征信息确定所述目标用户的支付信息，包括：
    所述服务端设备基于所述生物特征信息确定所述目标用户的身份标识；
    基于所述目标用户的身份标识确定相匹配的所述目标用户的支付信息。
  7. 如权利要求6所述的方法，所述结算信息还包括：所述目标用户选取的商品的商品信息；
    基于所述目标用户的身份标识确定相匹配的所述目标用户的支付信息，包括：
    所述服务端设备基于所述目标用户的身份标识确定相匹配的所述目标用户的支付信息、所述目标用户的商品信息以及所述目标用户的历史结算信息；
    所述服务端设备基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果，包括：
    所述服务端设备基于所述目标用户的支付信息、所述目标用户的商品信息以及所述目标用户的历史结算信息，确定所述目标用户的结算指数，所述结算指数用于评估所述目标用户执行自助结算行为的概率；
    所述服务端设备基于所述结算指数，确定所述目标用户是否完成自助结算；
    所述服务端设备向所述出口检验设备返回所述目标用户的自助结算结果。
  8. 如权利要求7所述的方法，所述历史结算信息至少包括以下信息之一或组合：
    从本地服务端设备获取的所述目标用户的历史支付信息、历史自助结算结果；
    从对应其它购物场所的其它服务端设备获取的所述目标用户的历史支付信息、历史自助结算结果；
    从第三方信用评估机构获取的所述目标用户的信用等级信息。
  9. 如权利要求8所述的方法，所述服务端设备基于所述目标用户的支付信息、所述目标用户的商品信息以及所述目标用户的历史结算信息，确定所述目标用户的结算指数，包括：
    所述服务端设备基于所述目标用户的支付信息、所述目标用户的商品信息以及所述目标用户的历史结算信息，分别提取表征在本地购物场所结算水平的第一结算数据、表征在其它购物场所结算水平的第二结算数据以及表征在第三方信用评估机构授予信用等级的信用数据；
    所述服务端设备将所述第一结算数据、所述第二结算数据以及所述信用数据，输入预设结算指数模型，得到所述目标用户的结算指数。
  10. 如权利要求8所述的方法，所述服务端设备基于所述结算指数，确定所述目标用户是否完成自助结算，包括：
    所述服务端设备将所述结算指数与预设阈值进行比对；
    如果所述结算指数大于等于所述预设阈值，则确定所述目标用户完成自助结算；
    否则，确定所述目标用户未完成自助结算。
  11. 如权利要求1-5任一项所述的方法，所述出口检验设备基于所述自助结算结果确定是否对所述目标用户放行，包括：
    如果所述目标用户完成自助结算，则所述出口检验设备控制打开拦截设备以对所述目标用户放行；
    否则，所述出口检验设备控制所述拦截设备保持关闭以对所述目标用户拦截。
  12. 如权利要求1-5任一项所述的方法，所述出口检验设备基于所述自助结算结果确定是否对所述目标用户放行，包括：
    如果所述目标用户完成自助结算，则所述出口检验设备不作处理以对所述目标用户放行；
    否则，所述出口检验设备向报警设备发送拦截提醒，以对所述目标用户拦截。
  13. 如权利要求7所述的方法，所述结算信息还包括：入口检验设备采集的所述目标用户的第一重量，以及所述出口设备采集的携带有商品的所述目标用户的第二重量；
    所述方法还包括：
    所述服务端设备基于所述生物特征信息确定所述目标用户的商品信息以及第一重量、第二重量；
    所述服务端设备基于所述目标用户的商品信息以及第一重量、第二重量，确定是否对所述目标用户进行结算核验。
  14. 如权利要求13所述的方法，所述服务端设备基于所述目标用户的商品信息以及第一重量、第二重量，确定是否对所述目标用户进行结算核验，包括：
    所述服务端设备基于所述目标用户的商品信息中商品数量和单个商品重量，确定所述目标用户选取的商品的总重量；
    如果所述目标用户的第一重量与第二重量之差的绝对值大于所述目标用户选取的商品的总重量，则对所述目标用户进行结算核验；
    否则，不作处理。
  15. 如权利要求1-5任一项所述的方法，在所述服务端设备向所述出口检验设备返回所述目标用户的自助结算结果之后，所述方法还包括：
    所述服务端设备将本地所述目标用户的支付信息和自助结算结果分别标记为历史支付信息和历史自助结算结果。
  16. 一种线下自助结算方法，包括：
    服务端设备接收目标用户的结算信息；其中，所述结算信息是自助结算设备基于所述目标用户发起的支付请求进行自助支付得到，所述支付请求是针对自助结算设备通过扫描目标用户选取的商品获取的商品信息发起，所述结算信息至少包括：支付信息以及身份标识；
    所述服务端设备基于出口检验设备采集到的所述目标用户的生物特征信息确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；其中，所述自助结算结果用于指示所述出口检验设备是否对所述目标用户放行。
  17. 一种线下自助结算方法，包括：
    当出口检验设备采集到目标用户的生物特征信息后，将所述生物特征信息发送给服务端设备；其中，所述生物特征信息用于所述服务端设备确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；
    所述出口检验设备基于所述自助结算结果确定是否对所述目标用户放行。
  18. 一种线下自助结算系统，包括：自助结算设备、服务端设备以及出口检验设备；其中，
    所述自助结算设备，通过扫描目标用户选取的商品获取商品信息；以及，基于所述目标用户发起的针对获取的商品信息的支付请求进行自助支付，并将所述目标用户的结算信息上传给服务端设备，其中，所述结算信息至少包括：支付信息以及身份标识；
    所述出口检验设备，当采集到所述目标用户的生物特征信息后，将所述生物特征信息发送给所述服务端设备；
    所述服务端设备，基于所述生物特征信息确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；
    所述出口检验设备，基于所述自助结算结果确定是否对所述目标用户放行。
  19. 一种线下自助结算装置，包括：
    接收模块，接收目标用户的结算信息；其中，所述结算信息是自助结算设备基于所述目标用户发起的支付请求进行自助支付得到，所述支付请求是针对自助结算设备通过扫描目标用户选取的商品获取的商品信息发起，所述结算信息至少包括：支付信息以及 身份标识；
    处理模块，基于出口检验设备采集到的所述目标用户的生物特征信息确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；其中，所述自助结算结果用于指示所述出口检验设备是否对所述目标用户放行。
  20. 一种线下自助结算装置，包括：
    发送模块，当采集到目标用户的生物特征信息后，将所述生物特征信息发送给服务端设备；其中，所述生物特征信息用于所述服务端设备确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；
    处理模块，基于所述自助结算结果确定是否对所述目标用户放行。
  21. 一种电子设备，包括：
    处理器；以及
    被安排成存储计算机可执行指令的存储器，所述可执行指令在被执行时使所述处理器执行以下操作：
    接收目标用户的结算信息；其中，所述结算信息是自助结算设备基于所述目标用户发起的支付请求进行自助支付得到，所述支付请求是针对自助结算设备通过扫描目标用户选取的商品获取的商品信息发起，所述结算信息至少包括：支付信息以及身份标识；
    基于出口检验设备采集到的所述目标用户的生物特征信息确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；其中，所述自助结算结果用于指示所述出口检验设备是否对所述目标用户放行。
  22. 一种电子设备，包括：
    处理器；以及
    被安排成存储计算机可执行指令的存储器，所述可执行指令在被执行时使所述处理器执行以下操作：
    当采集到目标用户的生物特征信息后，将所述生物特征信息发送给服务端设备；其中，所述生物特征信息用于所述服务端设备确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；
    基于所述自助结算结果确定是否对所述目标用户放行。
  23. 一种计算机可读存储介质，所述计算机可读存储介质存储一个或多个程序，所 述一个或多个程序当被包括多个应用程序的电子设备执行时，使得所述电子设备执行以下操作：
    接收目标用户的结算信息；其中，所述结算信息是自助结算设备基于所述目标用户发起的支付请求进行自助支付得到，所述支付请求是针对自助结算设备通过扫描目标用户选取的商品获取的商品信息发起，所述结算信息至少包括：支付信息以及身份标识；
    基于出口检验设备采集到的所述目标用户的生物特征信息确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；其中，所述自助结算结果用于指示所述出口检验设备是否对所述目标用户放行。
  24. 一种计算机可读存储介质，所述计算机可读存储介质存储一个或多个程序，所述一个或多个程序当被包括多个应用程序的电子设备执行时，使得所述电子设备执行以下操作：
    当采集到目标用户的生物特征信息后，将所述生物特征信息发送给服务端设备；其中，所述生物特征信息用于所述服务端设备确定所述目标用户的支付信息，并基于所述目标用户的支付信息，向所述出口检验设备返回所述目标用户的自助结算结果；
    基于所述自助结算结果确定是否对所述目标用户放行。
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