WO2021000577A1 - 一种刷脸支付方法和装置 - Google Patents

一种刷脸支付方法和装置 Download PDF

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Publication number
WO2021000577A1
WO2021000577A1 PCT/CN2020/071596 CN2020071596W WO2021000577A1 WO 2021000577 A1 WO2021000577 A1 WO 2021000577A1 CN 2020071596 W CN2020071596 W CN 2020071596W WO 2021000577 A1 WO2021000577 A1 WO 2021000577A1
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WO
WIPO (PCT)
Prior art keywords
payment
account
face
receiving
request
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Ceased
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PCT/CN2020/071596
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English (en)
French (fr)
Inventor
周亮
林述民
江璇
陈宏敏
郭雷
马郡
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Advanced New Technologies Co Ltd
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Advanced New Technologies Co Ltd
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Priority to US16/804,433 priority Critical patent/US20210004811A1/en
Publication of WO2021000577A1 publication Critical patent/WO2021000577A1/zh
Anticipated expiration legal-status Critical
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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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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

Definitions

  • the present disclosure relates to the field of payment technology, and in particular to a method and device for payment by swiping face.
  • one or more embodiments of the present specification provide a method and device for payment by facial recognition, which reduces the cost of using facial payment and improves convenience.
  • a face-recognizing payment method the method is executed by a face-recognizing payment device, and the method includes:
  • the payment server sends a payment request to the payment server, where the payment request includes: the payment amount, the device identification of the facial payment device, and the facial image information, so that the payment server obtains information based on the device identification A bound receiving account, and transferring the payment amount from the payment account corresponding to the facial image information to the receiving account.
  • a face-swiping payment method the method is executed by a payment server, and the method includes:
  • a payment request sent by a facial payment device including: payment amount, device identification of the facial payment device, and facial image information of the paying user; the payment amount is an input received by the facial payment device Amount
  • the payment amount is transferred from the payment account to the payment account.
  • a face-swiping payment device is provided, the device is applied to a face-swiping payment device, and the device includes:
  • the data receiving module is used to receive the input payment amount
  • the information collection module is used to collect the face image information of the paying user when receiving the face payment request;
  • the request sending module is configured to send a payment request to the payment server, the payment request including: the payment amount, the device identification of the facial payment device, and the facial image information, so that the payment server Obtain the bound receiving account according to the device identifier, and transfer the payment amount from the payment account corresponding to the facial image information to the receiving account.
  • a face swiping payment device is provided, the device is applied to a payment server, and the device includes:
  • the request receiving module is used to receive the payment request sent by the facial payment device, the payment request includes: the payment amount, the device identification of the facial payment device, and the face image information of the paying user; the payment amount is the payment The input amount received by the face payment device;
  • An account obtaining module configured to obtain a bound collection account according to the device identifier, and obtain a bound payment account according to the facial image information;
  • the transfer processing module is used for transferring the payment amount from the payment account to the receiving account.
  • a face-checking device in a fifth aspect, includes a memory, a processor, and computer instructions stored in the memory and running on the processor. The payment method described by the brush face.
  • the face payment method and device of one or more embodiments of this specification establishes a binding relationship between the face payment device and the merchant's collection account, so that the face payment device can directly enter the payment amount without using the cash register system And payment is made through face-swiping payment; this solution reduces the cost of face-swiping payment, makes face-swiping payment more convenient, and greatly facilitates the use of small merchants.
  • Fig. 1 is a schematic diagram of a face-brushing device provided by one or more embodiments of this specification;
  • FIG. 2 is a schematic diagram of an account binding operation provided by one or more embodiments of this specification
  • Figure 3 is a schematic diagram of an account binding process provided by one or more embodiments of this specification.
  • FIG. 4 is a flowchart of a face-swiping payment method provided by one or more embodiments of this specification
  • Figure 5 is a schematic diagram of an amount input interface provided by one or more embodiments of this specification.
  • FIG. 6 is a schematic diagram of the operation of face collection provided by one or more embodiments of this specification.
  • Figure 7 is a schematic diagram of a number input provided by one or more embodiments of this specification.
  • FIG. 8 is a schematic structural diagram of a facial payment device provided by one or more embodiments of this specification.
  • FIG. 9 is a schematic structural diagram of a face swiping payment device provided by one or more embodiments of this specification.
  • FIG. 10 is a schematic structural diagram of a facial payment device provided by one or more embodiments of this specification.
  • At least one embodiment of the present specification provides a face payment device, and also provides a method for using the face payment device to perform face payment.
  • the facial payment device may include a screen 11. When making a payment, the user can complete the payment by operating on the screen 11.
  • the device may also include a supporting member 12 and other components. The user of the facial brushing device can place the device in a suitable position through the supporting member 12, for example, on a stable platform.
  • the face payment device of the embodiment of this specification can be applied to face payment without installing a cash register system, which provides great convenience for small merchants. How to implement this device will be described in detail as follows:
  • the device is bound to the receiving account
  • the merchant can operate through the screen of the face-swiping device to trigger the device to display the graphic code.
  • the graphic code in Figure 2 is a two-dimensional code as an example.
  • the screen of a facial payment device can display:
  • Two-dimensional code which can carry the device identification of the facial payment device
  • the merchant can open its own payment client (for example, a payment APP installed on a mobile phone) to scan the above-mentioned two-dimensional code, and the payment client will obtain the device identification included in the two-dimensional code.
  • a payment client for example, a payment APP installed on a mobile phone
  • the process of scanning the code to bind the device and the merchant's collection account can be seen in Figure 3:
  • step 300 the face swiping device displays a two-dimensional code.
  • step 302 the payment client of the merchant scans the QR code on the facial payment device.
  • step 304 the payment client analyzes and obtains the device identification of the facial payment device carried by the QR code.
  • the merchant ie, the receiving user
  • step 306 the payment client sends a binding request to the payment server, and the binding request includes: the device identification of the facial payment device and the receiving account identification.
  • the payment client can carry the collection account identifier in the binding request, and the collection account identifier can enable the server to obtain a unique corresponding collection account accordingly.
  • the binding request also carries the device identification of the facial payment device obtained by scanning the code.
  • step 308 the payment server establishes a binding relationship between the receiving account corresponding to the receiving account identifier and the device identifier.
  • the payment server side can establish the correspondence between the collection account and the device identifier, thereby establishing the binding between the facial payment device and the merchant's collection account.
  • a reminder can be sent to the merchant to remind the merchant that the binding has been completed, and the face can be paid.
  • the prompt that the binding is completed may be displayed on at least one of the facial payment device or the payment client of the merchant.
  • the device is used for face payment
  • the face payment device After the above-mentioned binding relationship is established by scanning the code, the face payment device has been bound to the merchant's receiving account, and the device can be used for face payment.
  • Fig. 4 depicts the flow of the face payment method according to at least one embodiment of this specification, including:
  • step 400 the face payment device receives the input payment amount.
  • the merchant can operate on the face-swiping device to call up the input interface of the payment amount, as shown in Figure 5. Assuming that you have to pay 14.90 yuan this time, you can enter 14.90.
  • the merchant can directly enter the payment amount, while in the traditional way, the merchant scans the product code through the cashier system, and then the cashier system obtains the payment amount according to the product detailed price.
  • the face payment device of this embodiment does not need to install a cash register system.
  • the merchant can directly enter the payment amount.
  • the payment amount may be manually calculated by the merchant, for example, the payment amount calculated by the fruit shop owner based on the several fruits purchased by the customer. .
  • step 402 when receiving the request to pay for the face, the facial recognition device collects facial image information of the paying user.
  • the camera on the device will be awakened to collect faces, as shown in Figure 6.
  • the selection of the way of paying with face may be triggered by the payment user or the merchant selecting on the device for paying with face.
  • the face verification processing of the facial payment can be performed on the payment server side, then the facial payment device can send the collected facial image information to the server in step 404.
  • the face image information may be a face image, or may also be a face feature extracted from the face image.
  • the facial payment device sends a payment request to the payment server, and the payment request includes: the payment amount, the device identifier of the facial payment device, and the facial image information.
  • the face swiping device sends a payment request to the payment server, and the request carries the obtained payment amount, device identifier, and the facial image information.
  • the payment request does not include the account information of the receiving account.
  • the account information may be information that can uniquely identify the merchant's receiving account.
  • the account information includes, but is not limited to: the system identifier of the merchant's cash register system (cash register system) It is bound to the merchant's receiving account), the receiving account itself, the account identifier of the receiving account (the identifier may be assigned by the payment system and the receiving account can be obtained according to the identifier), etc.
  • the face payment device may also receive the payment account identification of the paying user, and the payment account identification may be, for example, the mobile phone number of the paying user.
  • the mobile phone number can also be carried in the payment request sent in this step.
  • the face payment device can receive the mobile phone number entered by the paying user. After entering the mobile phone number, you can click the payment option on the screen of the facial payment device, and the facial payment device will send a payment request to the payment server.
  • step 406 after receiving the payment request, the payment server obtains the bound collection account according to the device identifier, and obtains the bound payment account according to the facial image information.
  • the payment server can obtain the payment account of the bound merchant according to the device identification of the facial payment device; and obtain the payment account of the bound payment user according to the facial image information, and the payment user
  • the payment server When registering a payment account, a binding relationship between the account and the facial image information of the paying user has been established, so the payment account corresponding to the facial image information can be obtained according to the binding relationship.
  • the payment server can obtain the corresponding payment account according to the mobile phone number, and verify the payment account obtained through the mobile phone number Whether the payment account is consistent with the payment account obtained according to the facial image information, if not, the payment server can confirm that the facial payment verification is not passed; otherwise, if the two are consistent, the payment server can continue to perform step 408.
  • step 408 the payment server transfers the payment amount from the payment account to the receiving account.
  • the payment server can respectively send a payment completion prompt to the APP corresponding to the merchant's receiving account and the APP corresponding to the paying user's payment account.
  • the face-swiping payment method of this embodiment establishes a binding relationship between the face-swiping payment device and the merchant's receiving account, so that the face-swiping payment device does not need to use the cash register system, and can directly enter the payment amount and perform the payment through the face-swiping payment method Payment: This solution reduces the cost of face payment, makes face payment more convenient, and greatly facilitates the use of small merchants.
  • Fig. 8 provides a face payment device, which can be applied to a face payment device, so that the face payment device can execute the face payment method of any embodiment of this specification.
  • the device may include: a data receiving module 81, an information collecting module 82, and a request sending module 83.
  • the data receiving module 81 is used to receive the input payment amount
  • the information collection module 82 is used to collect the face image information of the paying user when receiving the face payment request;
  • the request sending module 83 is configured to send a payment request to the payment server, where the payment request includes: the payment amount, the device identification of the facial payment device, and the facial image information, so that the payment service
  • the terminal obtains the bound receiving account according to the device identifier, and transfers the payment amount from the payment account corresponding to the facial image information to the receiving account.
  • the face swiping payment device may further include: a graphic display module 84 for displaying a graphic code, the graphic code includes the device identification, so that the receipt The payment client of the payment user scans the graphic code and requests the payment server to establish a binding relationship between the device identifier and the payment account.
  • the payment request sent by the request sending module 83 does not include: account information of the receiving account.
  • Fig. 10 provides a face-swiping payment device, which can be applied to a payment server, so that the payment server can execute the face-swiping payment method of any embodiment of this specification.
  • the device may include: a request receiving module 1001, an account acquisition module 1002, and a transfer processing module 1003.
  • the request receiving module 1001 is configured to receive a payment request sent by a facial payment device.
  • the payment request includes: payment amount, device identification of the facial payment device, and face image information of the paying user; the payment amount is the The input amount received by the facial payment device;
  • the account obtaining module 1002 is configured to obtain a bound payment account according to the device identifier, and obtain a bound payment account according to the facial image information;
  • the transfer processing module 1003 is configured to transfer the payment amount from the payment account to the receiving account.
  • the devices or modules described in the above embodiments may be implemented by computer chips or entities, or implemented by products with certain functions.
  • a typical implementation device is a computer.
  • the specific form of the computer can be a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email receiving and sending device, and a game control A console, a tablet computer, a wearable device, or a combination of any of these devices.
  • each step in the process shown in the above figure is not limited to the order in the flowchart.
  • the description of each step can be implemented in the form of software, hardware, or a combination thereof.
  • a person skilled in the art can implement it in the form of software code, which can be a computer executable that can implement the logic function corresponding to the step. instruction.
  • the executable instructions can be stored in the memory and executed by the processor in the device.
  • one or more embodiments of this specification also provide a facial brushing device.
  • the device may include a processor, a memory, and computer instructions that are stored on the memory and can run on the processor.
  • the processor executes the instructions to implement the face payment method described in any embodiment of this specification. method.
  • one or more embodiments of this specification can be provided as a method, a system, or a computer program product. Therefore, one or more embodiments of this specification may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, one or more embodiments of this specification may adopt a computer program implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes. The form of the product.
  • computer-usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • One or more embodiments of this specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules.
  • program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types.
  • One or more embodiments of this specification can also be practiced in distributed computing environments. In these distributed computing environments, tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.

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Abstract

一种刷脸支付方法和装置，其中，所述方法包括：接收输入的付款金额（400）；在接收到刷脸付请求时，采集付款用户的人脸图像信息（402）；向支付服务端发送支付请求（404），所述支付请求中包括：所述付款金额、所述刷脸付设备的设备标识以及所述人脸图像信息，以使得所述支付服务端根据所述设备标识获得绑定的收款账户（406），并由所述人脸图像信息对应的付款账户向所述收款账户转账所述付款金额（408）。

Description

一种刷脸支付方法和装置 技术领域
本公开涉及支付技术领域，特别涉及一种刷脸支付方法和装置。
背景技术
随着网络技术的发展，收银方式也更加的多样化。由传统的收银台现金结账，发展为可以采用移动支付来提高支付的便利性。并且，刷脸支付也逐渐开始使用。但是，目前市面上已有的刷脸支付设备，通常都需要在设备上安装收银系统，通过收银系统进行收款，成本较高且使用不方便。对于一些个体商户以及小商户，他们没有收银系统，这为刷脸付的使用形成了障碍。
发明内容
有鉴于此，本说明书一个或多个实施例提供一种刷脸支付方法和装置，降低刷脸付的使用成本，且提高便利性。
具体地，本说明书一个或多个实施例是通过如下技术方案实现的：
第一方面，提供一种刷脸支付方法，所述方法由刷脸付设备执行，所述方法包括：
接收输入的付款金额；
在接收到刷脸付请求时，采集付款用户的人脸图像信息；
向支付服务端发送支付请求，所述支付请求中包括：所述付款金额、所述刷脸付设备的设备标识以及所述人脸图像信息，以使得所述支付服务端根据所述设备标识获得绑定的收款账户，并由所述人脸图像信息对应的付款账户向所述收款账户转账所述付款金额。
第二方面，提供一种刷脸支付方法，所述方法由支付服务端执行，所述方法包括：
接收刷脸付设备发送的支付请求，所述支付请求中包括：付款金额、刷脸付设备的设备标识以及付款用户的人脸图像信息；所述付款金额是所述刷脸付设备接收的输入金额；
根据所述设备标识获得绑定的收款账户，并根据所述人脸图像信息获得绑定的付款 账户；
由所述付款账户向所述收款账户转账所述付款金额。
第三方面，提供一种刷脸支付装置，所述装置应用于刷脸付设备，所述装置包括：
数据接收模块，用于接收输入的付款金额；
信息采集模块，用于在接收到刷脸付请求时采集付款用户的人脸图像信息；
请求发送模块，用于向支付服务端发送支付请求，所述支付请求中包括：所述付款金额、所述刷脸付设备的设备标识以及所述人脸图像信息，以使得所述支付服务端根据所述设备标识获得绑定的收款账户，并由所述人脸图像信息对应的付款账户向所述收款账户转账所述付款金额。
第四方面，提供一种刷脸支付装置，所述装置应用于支付服务端，所述装置包括：
请求接收模块，用于接收刷脸付设备发送的支付请求，所述支付请求中包括：付款金额、刷脸付设备的设备标识以及付款用户的人脸图像信息；所述付款金额是所述刷脸付设备接收的输入金额；
账户获取模块，用于根据所述设备标识获得绑定的收款账户，并根据所述人脸图像信息获得绑定的付款账户；
转账处理模块，用于由所述付款账户向所述收款账户转账所述付款金额。
第五方面，提供一种刷脸付设备，所述设备包括存储器、处理器，以及存储在存储器上并可在处理器上运行的计算机指令，所述处理器执行指令时实现本说明书任一所述的刷脸支付方法。
本说明书一个或多个实施例的刷脸支付方法和装置，通过将刷脸付设备与商家的收款账户建立绑定关系，使得刷脸付设备不需要使用收银系统，就可以直接输入付款金额并通过刷脸支付方式进行支付；该方案降低了刷脸支付的成本，使得刷脸支付更加便利，极大的方便了小商户的使用。
附图说明
为了更清楚地说明本说明书一个或多个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一个或多个实施例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1为本说明书一个或多个实施例提供的一种刷脸付设备的设备示意图；
图2为本说明书一个或多个实施例提供的一种账户绑定操作示意图；
图3为本说明书一个或多个实施例提供的一种账户绑定流程示意图；
图4为本说明书一个或多个实施例提供的一种刷脸支付方法的流程图；
图5为本说明书一个或多个实施例提供的一种金额输入的界面示意图；
图6为本说明书一个或多个实施例提供的一种人脸采集的操作示意图；
图7为本说明书一个或多个实施例提供的一种号码输入示意图；
图8为本说明书一个或多个实施例提供的一种刷脸支付装置的结构示意图；
图9为本说明书一个或多个实施例提供的一种刷脸支付装置的结构示意图；
图10为本说明书一个或多个实施例提供的一种刷脸支付装置的结构示意图。
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一个或多个实施例中的技术方案，下面将结合本说明书一个或多个实施例中的附图，对本说明书一个或多个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。基于本说明书一个或多个实施例，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，都应当属于本公开保护的范围。
本说明书至少一个实施例提供了一种刷脸付设备，还提供了利用该刷脸付设备进行刷脸支付的方法。
如图1所示，示意了一个刷脸付设备，该刷脸付设备可以包括屏幕11，在支付时，用户可以通过在该屏幕11上操作来完成付款。该设备还可以包括支撑部件12等其他组成部分，该刷脸付设备的使用者可以通过支撑部件12将设备放置在合适的位置，例如，放置在一个稳固的平台上。
本说明书实施例的刷脸付设备可以不需要安装收银系统，就能够应用于刷脸支付，这为小商户提供了很大的便利。如下将详细描述该设备如何实现：
设备与收款账户绑定
在使用设备用于刷脸付之前，可以将设备与商家的收款账户进行绑定。
请参见图2的示例，商家可以通过该刷脸付设备的屏幕进行操作，触发该设备显示图形码。图2中的图形码以二维码为例。
例如，刷脸付设备的屏幕上可以显示：
二维码，该二维码中可以携带刷脸付设备的设备标识；
还可以显示提示信息：打开**扫一扫，绑定你的**收款账户，其中，“**”表示某一支付软件，例如，支付宝。本实施例不限制采用的支付软件。
商家可以打开自己的支付客户端(例如，手机上安装的某支付APP)扫描上述二维码，该支付客户端将获得二维码中包括的设备标识。扫码绑定设备和商家收款账户的流程可以参见图3：
在步骤300中，刷脸付设备显示二维码。
在步骤302中，商家的支付客户端扫描刷脸付设备上的二维码。
在步骤304中，支付客户端解析获得二维码携带的刷脸付设备的设备标识。
本步骤中，例如，商家(即收款用户)用自己手机上的某支付APP扫描二维码，获得二维码中携带的设备标识。
在步骤306中，支付客户端向支付服务端发送绑定请求，该绑定请求中包括：所述刷脸付设备的设备标识以及收款账户标识。
本步骤中，支付客户端可以在绑定请求中携带收款账户标识，该收款账户标识能够使得服务端据此获得唯一对应的收款账户。并且，绑定请求中还携带通过扫码得到的刷脸付设备的设备标识。
在步骤308中，支付服务端建立所述收款账户标识对应的收款账户与设备标识的绑定关系。
本步骤中，支付服务端侧可以建立收款账户与设备标识的对应关系，从而建立了刷脸付设备与商家的收款账户的绑定。
绑定完成之后，可以向商家发送提示，以提示商家已经完成绑定，可以进行刷脸付了。该绑定完成的提示可以显示在刷脸付设备或者商家的支付客户端中的至少一个。
设备应用于刷脸支付
在上述通过扫码建立绑定关系后，刷脸付设备已经与商家的收款账户绑定，就可以使用该设备进行刷脸支付了。
图4描述了本说明书至少一个实施例的刷脸支付方法的流程，包括：
在步骤400中，刷脸付设备接收输入的付款金额。
例如，商家可以在刷脸付设备上操作，调出付款金额的输入界面，请参见图5所示。假设本次要付款14.90元，可以输入14.90。
需要说明的是，本例子中商家可以直接输入付款金额，而在传统方式中，商家是要通过收银系统扫描商品码，而后收银系统根据商品明细价格得到付款金额。本实施例的刷脸付设备不需要安装收银系统，商家可以直接输入付款金额，该付款金额例如可以是商家人工计算的，比如，可以是水果店老板根据客人购买的几种水果计算的付款金额。
在步骤402中，刷脸付设备在接收到刷脸付请求时，采集付款用户的人脸图像信息。
请继续参见图5，商家在输入付款金额后，付款用户可以选择付款方式。
假设付款用户选择了刷脸付方式，那么就会唤起设备上的摄像头，进行人脸采集，如图6所示。其中，刷脸付方式的选择，可以是付款用户或者商家在刷脸付设备上进行选择触发。
此外，刷脸付的人脸验证的处理可以在支付服务端侧执行，那么，刷脸付设备可以将采集的人脸图像信息在步骤404中发送至服务端。其中的人脸图像信息可以是人脸图像，或者也可以是根据人脸图像提取的人脸特征。
在步骤404中，刷脸付设备向支付服务端发送支付请求，所述支付请求中包括：所述付款金额、所述刷脸付设备的设备标识以及所述人脸图像信息。
本步骤中，由刷脸付设备向支付服务端发送支付请求，该请求中携带了上述获得的付款金额、设备标识以及所述人脸图像信息。并且，该支付请求中不包括收款账户的账户信息，该账户信息可以是能够唯一标识商家收款账户的信息，例如，该账户信息包括但不局限于：商家收银系统的系统标识(收银系统与商家收款账户绑定)、收款账户本身、收款账户的账户标识(该标识可以是支付系统分配并能够根据该标识获取到收款账户)等。
此外，为了提高刷脸付的安全性，刷脸付设备还可以接收付款用户的付款账户标识，该付款账户标识例如可以是付款用户的手机号。本步骤发送的支付请求中还可以携带该 手机号。如图7所示，刷脸付设备可以接收付款用户输入的手机号。在输入手机号后可以点击刷脸付设备的屏幕上的支付选项，刷脸付设备向支付服务端发送支付请求。
在步骤406中，支付服务端在接收到支付请求后，根据所述设备标识获得绑定的收款账户，并根据所述人脸图像信息获得绑定的付款账户。
本步骤中，支付服务端可以根据刷脸付设备的设备标识，获得绑定的商家的收款账户；并根据所述人脸图像信息获得绑定的付款用户的付款账户，该付款用户在预先注册付款账户时已经将该账户与付款用户的人脸图像信息建立了绑定关系，因此可以根据绑定关系获取到人脸图像信息对应的付款账户。
此外，为了刷脸支付的更加安全，如果支付请求中也携带了付款用户输入的手机号，支付服务端可以根据所述手机号获得对应的付款账户，并校验该通过手机号获得的付款账户与根据人脸图像信息获得的付款账户是否一致，如果不一致，则支付服务端可以确认刷脸付校验未通过；否则，如果两者一致，则支付服务端可以继续执行步骤408。
在步骤408中，支付服务端由所述付款账户向所述收款账户转账付款金额。
在完成转账后，支付服务端可以分别向商家的收款账户对应的APP、以及付款用户的付款账户对应的APP发送付款完成提示。
本实施例的刷脸支付方法，通过将刷脸付设备与商家的收款账户建立绑定关系，使得刷脸付设备不需要使用收银系统，就可以直接输入付款金额并通过刷脸支付方式进行支付；该方案降低了刷脸支付的成本，使得刷脸支付更加便利，极大的方便了小商户的使用。
图8提供了一种刷脸支付装置，该装置可以应用于刷脸付设备，使得刷脸付设备能够执行本说明书任一实施例的刷脸支付方法。如图8所示，该装置可以包括：数据接收模块81、信息采集模块82和请求发送模块83。
数据接收模块81，用于接收输入的付款金额；
信息采集模块82，用于在接收到刷脸付请求时采集付款用户的人脸图像信息；
请求发送模块83，用于向支付服务端发送支付请求，所述支付请求中包括：所述付款金额、所述刷脸付设备的设备标识以及所述人脸图像信息，以使得所述支付服务端根据所述设备标识获得绑定的收款账户，并由所述人脸图像信息对应的付款账户向所述收款账户转账所述付款金额。
如图9所示，该刷脸支付装置在图8所示结构的基础上，还可以包括：图形显示模块84，用于显示图形码，所述图形码中包括所述设备标识，以使得收款用户的支付客户端扫描所述图形码后向支付服务端请求建立所述设备标识和收款账户的绑定关系。
在一个例子中，所述请求发送模块83发送的支付请求中，不包括：所述收款账户的账户信息。
图10提供了一种刷脸支付装置，该装置可以应用于支付服务端，使得支付服务端能够执行本说明书任一实施例的刷脸支付方法。如图10所示，该装置可以包括：请求接收模块1001、账户获取模块1002和转账处理模块1003。
请求接收模块1001，用于接收刷脸付设备发送的支付请求，所述支付请求中包括：付款金额、刷脸付设备的设备标识以及付款用户的人脸图像信息；所述付款金额是所述刷脸付设备接收的输入金额；
账户获取模块1002，用于根据所述设备标识获得绑定的收款账户，并根据所述人脸图像信息获得绑定的付款账户；
转账处理模块1003，用于由付款账户向所述收款账户转账所述付款金额。
上述实施例阐明的装置或模块，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，计算机的具体形式可以是个人计算机、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、电子邮件收发设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任意几种设备的组合。
为了描述的方便，描述以上装置时以功能分为各种模块分别描述。当然，在实施本说明书一个或多个实施例时可以把各模块的功能在同一个或多个软件和/或硬件中实现。
上述图中所示流程中的各个步骤，其执行顺序不限制于流程图中的顺序。此外，各个步骤的描述，可以实现为软件、硬件或者其结合的形式，例如，本领域技术人员可以将其实现为软件代码的形式，可以为能够实现所述步骤对应的逻辑功能的计算机可执行指令。当其以软件的方式实现时，所述的可执行指令可以存储在存储器中，并被设备中的处理器执行。
例如，对应于上述方法，本说明书一个或多个实施例同时提供一种刷脸付设备。该设备可以包括处理器、存储器、以及存储在存储器上并可在处理器上运行的计算机指令，所述处理器通过执行所述指令，用于实现本说明书任一实施例所述的刷脸支付方法。
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。
本领域技术人员应明白，本说明书一个或多个实施例可提供为方法、系统或计算机程序产品。因此，本说明书一个或多个实施例可采用完全硬件实施例、完全软件实施例或结合软件和硬件方面的实施例的形式。而且，本说明书一个或多个实施例可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本说明书一个或多个实施例可以在由计算机执行的计算机可执行指令的一般上下文中描述，例如程序模块。一般地，程序模块包括执行特定任务或实现特定抽象数据类型的例程、程序、对象、组件、数据结构等等。也可以在分布式计算环境中实践本说明书一个或多个实施例，在这些分布式计算环境中，由通过通信网络而被连接的远程处理设备来执行任务。在分布式计算环境中，程序模块可以位于包括存储设备在内的本地和远程计算机存储介质中。
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，对于数据处理设备实施例而言，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。
上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者可能是有利的。
以上所述仅为本说明书一个或多个实施例的较佳实施例而已，并不用以限制本说明书一个或多个实施例，凡在本说明书一个或多个实施例的精神和原则之内，所做的任何修改、等同替换、改进等，均应包含在本说明书一个或多个实施例保护的范围之内。

Claims (13)

  1. 一种刷脸支付方法，所述方法由刷脸付设备执行，所述方法包括：
    接收输入的付款金额；
    在接收到刷脸付请求时，采集付款用户的人脸图像信息；
    向支付服务端发送支付请求，所述支付请求中包括：所述付款金额、所述刷脸付设备的设备标识以及所述人脸图像信息，以使得所述支付服务端根据所述设备标识获得绑定的收款账户，并由所述人脸图像信息对应的付款账户向所述收款账户转账所述付款金额。
  2. 根据权利要求1所述的方法，所述采集付款用户的人脸图像信息之后，所述方法还包括：接收所述付款用户的付款账户标识，并将所述付款账户标识携带在所述支付请求中。
  3. 根据权利要求1所述的方法，所述接收输入的付款金额之前，所述方法还包括：显示图形码，所述图形码中包括所述设备标识，以使得收款用户的支付客户端扫描所述图形码后向支付服务端请求建立所述设备标识和收款账户的绑定关系。
  4. 根据权利要求1所述的方法，所述支付请求中不包括：所述收款账户的账户信息。
  5. 一种刷脸支付方法，所述方法由支付服务端执行，所述方法包括：
    接收刷脸付设备发送的支付请求，所述支付请求中包括：付款金额、刷脸付设备的设备标识以及付款用户的人脸图像信息；所述付款金额是所述刷脸付设备接收的输入金额；
    根据所述设备标识获得绑定的收款账户，并根据所述人脸图像信息获得绑定的付款账户；
    由所述付款账户向所述收款账户转账所述付款金额。
  6. 根据权利要求5所述的方法，所述支付请求中还包括：所述付款用户的手机号；所述由所述付款账户向所述收款账户转账所述付款金额之前，还包括：
    根据所述手机号获得对应的付款账户；
    确定所述付款账户与根据人脸图像信息获得的付款账户匹配。
  7. 根据权利要求5所述的方法，所述接收刷脸付设备发送的支付请求之前，所述方法还包括：
    接收收款用户的支付客户端发送的绑定请求，所述绑定请求中包括：所述刷脸付设备的设备标识以及收款用户的收款账户标识；
    建立所述收款账户标识对应的收款账户与设备标识的绑定关系。
  8. 根据权利要求5所述的方法，所述支付请求中不包括：所述收款账户的账户信息。
  9. 一种刷脸支付装置，所述装置应用于刷脸付设备，所述装置包括：
    数据接收模块，用于接收输入的付款金额；
    信息采集模块，用于在接收到刷脸付请求时采集付款用户的人脸图像信息；
    请求发送模块，用于向支付服务端发送支付请求，所述支付请求中包括：所述付款金额、所述刷脸付设备的设备标识以及所述人脸图像信息，以使得所述支付服务端根据所述设备标识获得绑定的收款账户，并由所述人脸图像信息对应的付款账户向所述收款账户转账所述付款金额。
  10. 根据权利要求9所述的装置，所述装置还包括：
    图形显示模块，用于显示图形码，所述图形码中包括所述设备标识，以使得收款用户的支付客户端扫描所述图形码后向支付服务端请求建立所述设备标识和收款账户的绑定关系。
  11. 根据权利要求9所述的装置，所述请求发送模块发送的支付请求中，不包括：所述收款账户的账户信息。
  12. 一种刷脸支付装置，所述装置应用于支付服务端，所述装置包括：
    请求接收模块，用于接收刷脸付设备发送的支付请求，所述支付请求中包括：付款金额、刷脸付设备的设备标识以及付款用户的人脸图像信息；所述付款金额是所述刷脸付设备接收的输入金额；
    账户获取模块，用于根据所述设备标识获得绑定的收款账户，并根据所述人脸图像信息获得绑定的付款账户；
    转账处理模块，用于由所述付款账户向所述收款账户转账所述付款金额。
  13. 一种刷脸付设备，所述设备包括存储器、处理器，以及存储在存储器上并可在处理器上运行的计算机指令，所述处理器执行指令时实现权利要求1至4任一所述的刷脸支付方法。
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