WO2024198538A1 - 基于手掌的支付处理方法及装置 - Google Patents

基于手掌的支付处理方法及装置 Download PDF

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Publication number
WO2024198538A1
WO2024198538A1 PCT/CN2023/139382 CN2023139382W WO2024198538A1 WO 2024198538 A1 WO2024198538 A1 WO 2024198538A1 CN 2023139382 W CN2023139382 W CN 2023139382W WO 2024198538 A1 WO2024198538 A1 WO 2024198538A1
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WO
WIPO (PCT)
Prior art keywords
palm
payment
image
user
authentication
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
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PCT/CN2023/139382
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English (en)
French (fr)
Inventor
周亮
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Alipay Hangzhou Information Technology Co Ltd
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Alipay Hangzhou Information Technology Co Ltd
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Publication of WO2024198538A1 publication Critical patent/WO2024198538A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • 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
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V10/00—Arrangements for image or video recognition or understanding
    • G06V10/40—Extraction of image or video features
    • G06V10/56—Extraction of image or video features relating to colour
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V10/00—Arrangements for image or video recognition or understanding
    • G06V10/70—Arrangements for image or video recognition or understanding using pattern recognition or machine learning
    • G06V10/74—Image or video pattern matching; Proximity measures in feature spaces
    • G06V10/761—Proximity, similarity or dissimilarity measures
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/12—Fingerprints or palmprints
    • G06V40/1347—Preprocessing; Feature extraction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/12—Fingerprints or palmprints
    • G06V40/1365—Matching; Classification

Definitions

  • This document relates to the field of data processing technology, and more particularly to a palm-based payment processing method and device.
  • One or more embodiments of the present specification provide a palm-based payment processing method, comprising: obtaining a payment authentication request from a user for self-service order payment through a palm payment channel.
  • the payment authentication request is generated after detecting that a payment machine configured based on a merchant performs a payment authentication action.
  • the authentication authority of the user for payment authentication at the payment machine is transferred to a user terminal.
  • a palm image captured by the user terminal by calling a rear camera is received, and a target palm image is determined in a baseline palm image of the user according to the palm type of the palm image.
  • Payment authentication is performed on the user based on the palm image and the target palm image, so that order payment processing is performed after the payment authentication is successful.
  • One or more embodiments of the present specification provide another palm-based payment processing method, comprising: obtaining an image acquisition instruction issued by a server, and entering an image acquisition page based on the image acquisition instruction. Obtaining a palm image of a user captured by calling a rear camera through the image acquisition page. Sending the palm image to the server to perform payment authentication on the user based on the palm image and a target palm image determined in a baseline palm image of the user based on the palm type. After the payment authentication is successful, order payment processing is performed.
  • the image acquisition instruction is issued after a payment authentication request is detected for a self-service order payment made by the user through a palm payment channel.
  • the payment authentication request is generated after a payment authentication action is performed on a payment machine configured based on the merchant.
  • a palm-based payment processing device including: a request acquisition module, configured to obtain a payment authentication request from a user for self-service order payment through a palm payment channel.
  • the payment authentication request is generated after detecting that a payment machine configured based on a merchant performs a payment authentication action.
  • a permission transfer module configured to transfer the authentication authority of the user for payment authentication at the payment machine to a user terminal in response to the payment authentication request.
  • An image determination module configured to receive a palm image captured by the user terminal using a rear camera, and determine a target palm image in a baseline palm image of the user based on the palm type of the palm image.
  • the payment authentication module configured to perform payment authentication on the user based on the palm image and the target palm image, so as to perform order payment processing after the payment authentication is successful.
  • One or more embodiments of the present specification provide another palm-based payment processing device, including: a page entry module, configured to obtain an image acquisition instruction issued by a server, and enter an image acquisition page based on the image acquisition instruction.
  • An image acquisition module configured to obtain a palm image of a user acquired by calling a rear camera through the image acquisition page.
  • An image sending module configured to send the palm image to the server, so as to perform payment authentication on the user based on the palm image and a target palm image determined in a baseline palm image of the user based on the palm type.
  • Order payment processing is performed after the payment authentication is successful.
  • the image acquisition instruction is issued after a payment authentication request is detected for a self-service order payment made by the user through a palm payment channel.
  • the payment authentication request is generated after a payment authentication action is performed by a payment machine configured based on the merchant.
  • a palm-based payment processing device including: a processor; and a memory configured to store computer-executable instructions, wherein when the computer-executable instructions are executed, the processor: obtains a payment authentication request from a user for self-service order payment through a palm payment channel.
  • the payment authentication request is generated after detecting that a payment machine configured based on a merchant performs a payment authentication action.
  • the authentication authority of the user for payment authentication at the payment machine is transferred to a user terminal.
  • a palm image captured by the user terminal using a rear camera is received, and a target palm image is determined in a baseline palm image of the user according to the palm type of the palm image.
  • Payment authentication is performed on the user based on the palm image and the target palm image, so that order payment processing is performed after the payment authentication is successful.
  • One or more embodiments of the present specification provide another palm-based payment processing device, including: a processor; and a memory configured to store computer-executable instructions, wherein when the computer-executable instructions are executed, the processor: obtains an image acquisition instruction issued by a server, and enters an image acquisition page based on the image acquisition instruction. Obtains a palm image of a user acquired by calling a rear camera through the image acquisition page. Sends the palm image to the server to perform payment authentication on the user based on the palm image and a target palm image determined in a baseline palm image of the user based on the palm type. After the payment authentication is successful, order payment processing is performed.
  • the image acquisition instruction is issued after a payment authentication request is detected for the user to make a self-service order payment through a palm payment channel.
  • the payment authentication request is generated after a payment authentication action is performed on a payment machine configured based on a merchant.
  • One or more embodiments of the present specification provide a storage medium for storing computer-executable instructions, which implement the following process when executed by a processor: obtaining a payment authentication request from a user for self-service order payment through a palm payment channel.
  • the payment authentication request is generated after detecting that a payment machine configured based on a merchant performs a payment authentication action.
  • the authentication authority of the user for payment authentication at the payment machine is transferred to a user terminal.
  • One or more embodiments of the present specification provide another storage medium for storing computer executable instructions, which implement the following process when executed by a processor: obtain an image acquisition instruction issued by a server, and enter an image acquisition page based on the image acquisition instruction. Obtain a palm image of the user captured by calling a rear camera through the image acquisition page. Send the palm image to the server to perform payment authentication on the user based on the palm image and a target palm image determined in the user's baseline palm image based on the palm type. After the payment authentication is successful, order payment processing is performed. Among them, the image acquisition instruction is issued after a payment authentication request from the user for self-service order payment through a palm payment channel is detected. The payment authentication request is generated after the payment authentication action is performed by the payment machine configured based on the merchant.
  • FIG1 is a schematic diagram of an implementation environment of a palm-based payment processing method provided by one or more embodiments of this specification.
  • FIG2 is a processing flow chart of a palm-based payment processing method provided by one or more embodiments of this specification.
  • FIG. 3 is a schematic diagram of a registration page provided in one or more embodiments of this specification.
  • FIG. 4 is a schematic diagram of an identification input page provided in one or more embodiments of this specification.
  • FIG5 is a schematic diagram of a collection demonstration page provided by one or more embodiments of this specification.
  • FIG. 6 is a schematic diagram of a palm collection page provided by one or more embodiments of this specification.
  • FIG8 is a schematic diagram of a registration result page provided by one or more embodiments of this specification.
  • FIG9 is a processing flow chart of a palm-based payment processing method applied to a permission transfer scenario provided by one or more embodiments of this specification.
  • FIG. 13 is a schematic diagram of another embodiment of a palm-based payment processing device provided in one or more embodiments of this specification.
  • FIG. 14 is a schematic diagram of the structure of a palm-based payment processing device provided in one or more embodiments of this specification.
  • FIG. 15 is a schematic diagram of the structure of another palm-based payment processing device provided in one or more embodiments of this specification.
  • FIG. 1 is a schematic diagram of an implementation environment of a palm-based payment processing method provided by one or more embodiments of this specification.
  • the palm-based payment processing method provided in one or more embodiments of this specification can be applied to the implementation environment of self-service order payment, which implementation environment at least includes the palm authentication server 101 of the palm authentication platform, or at least includes the payment server 102 of the payment platform or the merchant server.
  • the implementation environment may also include a user terminal 103, which may be configured with a palm authentication client, which may be in the form of an application, a subroutine within an application, a service module within an application, or a web program.
  • the user terminal 103 cooperates with the authentication server 101 through the palm authentication client to perform palm-based payment processing.
  • the implementation environment may also include a payment machine 104, which may be configured with a payment authentication client.
  • the client may be the same client as the palm authentication client configured for the user terminal 103, or may be a different client.
  • the specific form of the client configured for the payment machine 104 may be an application, a subroutine within an application, a service module within an application, or a web program.
  • the authentication server 101 can be a server, or a server cluster composed of several servers, or one or more cloud servers in a cloud computing platform, which is used for palm-based payment processing.
  • the number and method of server deployment can be determined according to the magnitude of the number of payment authentication requests submitted within a time period. For example, when the number of requests is small, one or more servers can be deployed; for example, when the number of requests reaches a certain magnitude, a server cluster composed of several servers can be deployed.
  • the payment server 102 may also be a single server, or a server cluster consisting of a plurality of servers, or one or more cloud servers in a cloud computing platform, for processing order payments.
  • the user terminal 103 can be a mobile phone, a personal computer, a tablet computer, an e-book reader, a device for information interaction based on VR (Virtual Reality), a vehicle-mounted terminal, an IoT device, a wearable smart device, a laptop computer and a desktop computer, etc.
  • the user terminal 103 can be installed with an application or a browser, and submit a payment verification request through the application or the browser, or submit a payment verification request through a subroutine within the application.
  • the payment device 104 can be a smart terminal, a mobile phone, a personal computer, a tablet computer, an e-book reader, a device for information interaction based on VR (Virtual Reality), an IoT device, a wearable smart device, a laptop computer, a desktop computer, etc.
  • VR Virtual Reality
  • IoT IoT
  • wearable smart device a laptop computer
  • desktop computer etc.
  • the authentication server 101 can transfer the user's authentication authority for payment authentication at the payment machine to the user terminal 103, and generate an image acquisition instruction to send to the user terminal 103.
  • the payment authentication request here can be generated after detecting that the payment machine 104 based on the merchant configuration performs a payment authentication action; on this basis, the user terminal 103 enters the image acquisition page through the image acquisition instruction to capture the palm image and send it to the authentication server 101.
  • the authentication server 101 performs payment authentication on the user based on the palm type of the palm image, the target palm image and the target palm image determined in the user's baseline palm image, so as to perform order payment processing after the payment authentication is successful.
  • the order payment processing can be performed by the payment server 102 here.
  • the palm-based payment processing method provided in this embodiment transfers the user's payment authentication authority at the payment machine to the user terminal based on the payment authentication request of the user for self-service order payment through the palm payment channel; the payment authentication request is generated after detecting that the payment machine based on the merchant configuration performs the payment authentication action, thereby improving the diversity and flexibility of payment authentication, and according to the palm type of the palm image captured by the rear camera called by the user terminal, the target palm image is determined in the user's baseline palm image, and the user is authenticated for payment with the help of the palm image and the target palm image, so as to perform order payment processing after the payment authentication is successful, thereby improving the accuracy of payment authentication by determining the palm type, and then improving the success rate of payment authentication, and at the same time improving the convenience of payment authentication by transferring authentication authority, and reducing the probability of payment congestion.
  • the palm-based payment processing method provided in this embodiment specifically includes steps S202 to S208 .
  • Step S202 obtaining a payment authentication request for a user to make a self-service order payment through a palm payment channel.
  • the palm payment channel described in this embodiment includes a channel for order payment or payment authentication by collecting palm images; the self-service order payment includes the user paying the order by himself without the help of external personnel such as cashiers.
  • the payment authentication request includes a payment verification request, that is, the identity verification of the user's self-service order payment.
  • This embodiment can be applied to a server, and the server includes an authentication server for palm authentication.
  • the user's pending payment order can be generated at the merchant terminal, or at the payment machine configured by the merchant.
  • the user can be authenticated, that is, the user's identity can be verified during the payment process; considering that most users are averse to face-swiping payment, palm payment channels or palm payment methods can be introduced, specifically, by collecting palm images for order payment or payment authentication channels, thereby improving the flexibility of payment authentication.
  • the payment verification request is generated after detecting that a payment machine based on the merchant configuration performs a payment verification action; optionally, the payment verification action includes: a scanning action of scanning the payment verification logo displayed by the display component of the payment machine through the rear camera, or a triggering action of the payment verification control displayed on the display component.
  • the size of the merchant may be greater than the preset size threshold, or may be less than or equal to the preset size threshold, which is not specifically limited here.
  • the merchant may be a large supermarket, or a small merchant store, such as a small restaurant.
  • the merchant includes a self-service merchant, which means that there are no merchant personnel, and the user selects goods or services by himself in the merchant store of the self-service merchant, and pays for the self-service order through the payment machine configured by the self-service merchant or through the user terminal.
  • the user terminal refers to the terminal device of the user.
  • the payment machine configured by the merchant includes a machine for making payments, such as a self-service checkout machine in a supermarket; the payment machine may be configured with a display component, such as a display screen; the payment verification identifier includes a payment verification code, which may be in the form of a QR code or a barcode. In addition, the payment verification code may also be in other forms; the payment machine configured by the merchant may display the user's pending payment orders, and the payment machine may have the function of paying by swiping the face or entering a payment key.
  • the payment machine configured by the merchant does not have the function of collecting palm images, that is, the payment verification cannot be performed by collecting palm images through the payment machine.
  • the payment authentication action includes the action of performing payment authentication by collecting a palm image; in addition, the payment authentication action includes an authentication transfer action, that is, the payment authentication action can be a transfer action of transferring the user's authentication authority for payment authentication at a payment machine to a user terminal.
  • a payment verification request for the user to make a self-service order payment through the palm payment channel can be generated; in actual applications, in one case, the user can scan the payment verification code displayed on the display component of the payment machine configured by the merchant through the rear camera or front camera of the user terminal, and the user terminal submits the payment verification request by scanning the payment verification code; in another case, the user can trigger the payment verification control displayed on the display component of the payment machine configured by the merchant, and submit the payment verification request by triggering the payment verification control.
  • the payment verification request here can be submitted by the payment machine to the server.
  • the payment verification request can be submitted through a user terminal or a payment machine; optionally, the payment verification request is submitted by the user terminal after the user terminal scans the payment verification logo displayed on the display component of the payment machine through a rear camera, or is submitted by the payment machine after the payment machine detects that the payment verification control displayed on the display component is triggered.
  • the user can enter the subroutine to call the rear camera to scan the payment verification logo displayed on the display component of the payment machine.
  • the verification subroutine of the user terminal submits a payment verification request to the server, and the subroutine of the user terminal interacts with the server; in addition, the user can also trigger the payment verification control displayed by the display component of the payment machine to call the payment verification interface to jump from the merchant subroutine to the verification subroutine, submit the payment verification request to the server through the verification applet, and jump from the verification subroutine to the merchant subroutine after the payment verification is passed.
  • the payment verification mark can be displayed on the display component of the payment machine.
  • the sensor detection can be called according to the user terminal.
  • the palm operation data of the user is measured, and the display position data of the payment authentication logo of the payment machine is determined and sent to the payment machine, so as to submit the payment authentication request according to the payment authentication logo displayed based on the display position data.
  • the following operations are also performed: obtaining the palm operation data of the user obtained by calling the sensor detection by the user terminal; determining the display position data of the payment authentication logo on the payment machine based on the palm operation data, and sending it to the payment machine to submit the payment authentication request according to the payment authentication logo displayed based on the display position data.
  • the user terminal may perform the following operations: calling the sensor to detect the palm operation data of the user; uploading the palm operation data to the server to determine the display position data of the payment authentication logo on the payment machine based on the palm operation data.
  • the sensor includes a light sensor; the palm operation data includes the light shielding data of the display component when the user's palm operates the user terminal; and the display position data includes the display position data of the payment identification mark on the display component of the payment machine.
  • the user terminal can call the light sensor to detect the light blocking data of the display component when the user's palm operates the display component, and upload the light blocking data to the server.
  • the server obtains the light blocking data of the user detected by the user terminal calling the light sensor, and determines the user's operating palm type based on the light blocking data.
  • the operating palm type refers to the type of palm used by the user to operate the user terminal, that is, determines whether the user operates the user terminal with a left palm type or a right palm type, and determines the display position data of the payment verification logo on the payment machine according to the user's operating palm type, and sends it to the payment machine to submit a payment verification request based on the payment verification logo displayed based on the display position data.
  • the above process of determining the user's operating palm type based on the light blocking data, and determining the display position data of the payment verification mark on the payment machine according to the user's operating palm type can be achieved by determining the light blocking area of the user's palm on the display component of the user terminal based on the light blocking data, determining the user's operating palm type based on the light blocking area, and if the operating palm type is a preset palm type, determining the display position of the payment verification mark on the payment machine as the first display position, and if the operating palm type is not a preset palm type, determining the display position of the payment verification mark on the payment machine as the second display position.
  • the user's operating palm type can be determined to be a left palm type, and if the light blocking area is the right area of the display component of the user terminal, the user's operating palm type can be determined to be a right palm type.
  • the preset palm type can be a left palm type or a right palm type. If the preset palm type is the left palm type and the operating palm type is the preset palm type, the display position of the payment verification logo in the payment machine is determined as the target position in the right area of the payment machine. When the preset palm type is the left palm type and the operating palm type is not the preset palm type, the display position of the payment verification logo in the payment machine is determined as the target position in the left area of the payment machine; if the preset palm type is the right palm type and the operating palm type is the preset palm type, the display position of the payment verification logo in the payment machine is determined as the target position in the left area of the payment machine. When the preset palm type is the right palm type and the operating palm type is not the preset palm type, the display position of the payment verification logo in the payment machine is determined as the target position in the right area of the payment machine.
  • the user can also obtain the authentication failure reminder of the payment authentication at the payment machine. Based on the authentication failure reminder, the channel identifier of the authentication transfer channel or the payment authentication channel for authentication authority transfer can be sent to the payment machine; optionally, the channel identifier of the authentication transfer channel includes the control identifier of the payment authentication control and/or the payment authentication code. The user can perform the payment authentication action based on the authentication transfer channel of the payment machine and generate a payment authentication request.
  • Step S204 In response to the payment authentication request, the authentication authority of the user for performing payment authentication at the payment machine is transferred to the user terminal.
  • the user's authentication authority for payment authentication at the payment machine is transferred to the user terminal.
  • the authentication authority described in this embodiment includes the user's authentication authority for identity verification during the process of order payment at the payment machine.
  • a reference palm image of the user may be collected for authentication of the user for payment based on the palm image collected in real time and the reference palm image; optionally, the reference palm image is bound to the payment identification of the user; the authentication authority is opened to the user after the binding relationship is established.
  • the payment identification includes the payment account.
  • the authentication authority in the process of transferring the user's authentication authority for payment authentication at the payment machine to the user terminal, in order to timely capture the user's palm image, the following operations are performed: the authentication authority is transferred to the user terminal, and after the transfer, an image capture instruction is generated and sent to the user terminal.
  • the server transfers the user's authentication authority for payment authentication at the payment machine to the user terminal, and generates an image acquisition instruction after the transfer and sends it to the user terminal.
  • the user terminal obtains the image acquisition instruction issued by the server, and enters the image acquisition page based on the image acquisition instruction.
  • the user terminal can obtain the user's palm image captured by calling the rear camera or the front camera through the image acquisition page; wherein, the image acquisition instruction includes an instruction for instructing the user to capture a palm image, and the image acquisition page includes a page for capturing a palm image.
  • the palm video stream collected by the user terminal can be synchronized to the payment machine, that is, the user can view the palm image on the payment machine.
  • the process of user terminal collecting or shooting palm images reduces the number of operations of specific users on the user terminal and improves the perception of specific users through payment machines.
  • the user's authentication authority for payment authentication in the payment machine is transferred to the user terminal for execution, and the palm collection video stream sent by the user terminal is sent to the payment machine.
  • the following operations are specifically performed: obtaining the palm collection video stream sent by the user terminal; optionally, the palm collection video stream is collected by the rear camera when the display component of the user terminal is in a preset display state; sending the palm collection video stream to the payment machine to determine the palm image in the palm collection video stream through the payment machine.
  • the user terminal can perform the following operations: obtain the palm capture video stream captured by calling the rear camera through the image capture page when the display component is in a preset display state; send the palm capture video stream to the server to send it to the payment machine to determine the palm image.
  • the rear camera includes the rear camera of the user terminal;
  • the preset display state includes the dormant state or black screen state of the display screen of the user terminal.
  • the palm acquisition video stream refers to the video stream acquired during the process of acquiring the user's palm image, such as the video stream acquired during the process of adjusting the distance or position of the user's palm.
  • the palm acquisition video stream is acquired when the display component of the user terminal is in a preset display state after obtaining the user's authorization instruction.
  • the user terminal can enter the image capture page when the display component is in a preset display state, obtain the palm capture video stream captured by calling the rear camera or the front camera through the image capture page when the display component is in a preset display state, and send the palm capture video stream to the server.
  • the server obtains the palm capture video stream sent by the user terminal and sends the palm capture video stream to the payment machine, so that the palm image can be determined in the palm capture video stream through the payment machine.
  • an optional implementation provided by this embodiment performs the following operations: receiving a determination instruction for the palm image in the palm capture video stream sent by the payment machine; and sending the determination instruction to the user terminal to upload the palm image to the server.
  • the user terminal can perform the following operations: obtain the confirmation instruction of the palm image in the palm capture video stream sent by the payment machine and issued by the server; based on the confirmation instruction, obtain the palm image captured by calling the rear camera through the image capture page.
  • the determination instruction may be generated after detecting that the collection control of the display component of the payment machine is triggered; the determination instruction includes an instruction to determine the palm image in the palm collection video stream.
  • the determination instruction includes an image shooting instruction.
  • the server can receive a preset number of target palm capture images in the palm capture video stream collected by the user terminal through a timed capture task, and filter out the palm capture image from the target palm capture image according to the image index of the target palm capture image as the palm image collected by the user terminal calling the rear camera, that is, as the palm image for payment authentication.
  • the timed acquisition task includes the task of regularly acquiring or photographing a palm image in a palm acquisition video stream, for example, photographing a palm image every 3 seconds.
  • the preset number may be one or more.
  • Step S206 receiving the palm image captured by the user terminal by calling the rear camera, and determining the target palm image in the user's reference palm image according to the palm type of the palm image.
  • the above-mentioned server transfers the user's authentication authority for payment authentication at the payment machine to the user terminal.
  • the specific server can transfer the authentication authority to the user terminal, and generate an image acquisition instruction after the transfer and send it to the user terminal.
  • the user terminal obtains the image acquisition instruction issued by the server, and enters the image acquisition page based on the image acquisition instruction, obtains the user's palm image captured by calling the rear camera through the image acquisition page, and sends the palm image to the server.
  • the server receives the palm image captured by the user terminal calling the rear camera, and determines the target palm image in the user's baseline palm image with the help of the palm type of the palm image.
  • the palm image in this embodiment refers to an image of the user's palm collected in real time; the palm type includes a left palm type and a right palm type; and the reference palm image includes a palm image that serves as a comparison reference for payment authentication.
  • the server can identify the palm type of the palm image, and select a palm image consistent with the palm type from the user's reference palm image as the target palm image based on the palm type.
  • the palm type can be determined based on the palm shape features and/or palm orientation features in the palm image, and a palm image consistent with the palm type is selected from the user's baseline palm image as the target palm image.
  • a baseline palm image of the user can be obtained in advance for payment authentication, thereby improving the convenience of payment authentication.
  • the baseline palm image is composed of a first palm image and a second palm image; the second palm image is collected after the image evaluation of the first palm image passes, and the first palm image and the second palm image are used as baseline palm images after the image evaluation of the second palm image passes.
  • the baseline palm image can be obtained in the following manner: based on the collection instruction submitted by the user through the subroutine, the payment identifier input by the user is obtained and the identity of the user is verified based on the payment identifier; after the verification is passed, the rear camera is called to collect the first palm image of the user, and the second palm image of the user is collected after the image evaluation of the first palm image passes; if the image evaluation of the second palm image passes, the first palm image and the second palm image are used as the baseline palm image; if the image evaluation of the second palm image passes If it fails, no action will be taken.
  • the image evaluation of the first palm image includes at least one of the following: image clarity evaluation, palm integrity evaluation, and image exposure evaluation;
  • the image evaluation of the second palm image includes at least one of the following: image clarity evaluation, palm integrity evaluation, image exposure evaluation, palm type evaluation, palm skin evaluation (palm color evaluation), and mirror image similarity evaluation with the first palm image.
  • the user terminal can submit a collection instruction or a registration instruction through the registration page of the subprogram
  • the server obtains the collection instruction or the registration instruction submitted by the user through the registration page of the subprogram, and sends the identification input page data to the user terminal.
  • the user terminal generates an identification input page based on the identification input page data, and inputs the payment identification through the identification input page and submits it to the server.
  • the server obtains the payment identification entered by the user and verifies the identity of the user based on the payment identification. After the verification is passed, the user terminal generates and displays a collection demonstration page, generates and displays a first collection page by triggering a start instruction of the collection demonstration page, and calls the rear camera through the first collection page.
  • a first palm image of the user is collected, and an image evaluation of the first palm image can be performed on the user terminal, or the first palm image can be uploaded to a server, and the server performs an image evaluation of the first palm image.
  • the user terminal After the image evaluation of the first palm image passes, the user terminal generates and displays a second collection page, and the rear camera is called through the second collection page to collect the second palm image of the user.
  • an image evaluation of the second palm image can be performed on the user terminal, or the second palm image can be uploaded to a server, and the server performs an image evaluation of the second palm image. If the image evaluation of the second palm image passes, the first palm image and the second palm image are used as the user's baseline palm images.
  • the user can submit a collection instruction or a registration instruction by triggering the 301 control.
  • the user terminal displays the identification input page shown in FIG4 , and displays the payment key input by the user through the 401 area.
  • the user terminal After the user's identity is verified based on the payment key, the user terminal generates a collection demonstration page as shown in FIG5 , and the 501 area shows the user the correct collection method for collecting palm collection.
  • the rear camera After the user terminal detects that the start shooting control 502 is triggered, the rear camera is called to collect the user's first palm image. After the image evaluation of the first palm image is passed, a page as shown in FIG6 is generated and displayed.
  • the palm collection page shown in the figure after the user triggers the start shooting control 601, the rear camera is called to collect the user's second palm image. After the image evaluation of the second palm image passes, the user terminal generates and displays the evaluation display page shown in Figure 7. After the user triggers the completion control 701, the user terminal jumps from the evaluation display page shown in Figure 7 to the registration result page shown in Figure 8.
  • the user terminal submits the user's baseline palm image to the server.
  • the server can bind the payment identifier based on the baseline palm image, and open up the authentication authority for the user to perform payment authentication on the payment machine; palm swiping payment means that the user's authentication authority has been opened, and the user's payment identifier, such as the deduction account, is bound.
  • the image evaluation of the second palm image includes: identifying the palm type of the second palm image based on the palm shape feature in the second palm image; if the palm type is inconsistent with the palm type of the first palm image, determining that the image evaluation of the second palm image has passed; if the palm type is inconsistent with the palm type of the first palm image, determining that the image evaluation of the second palm image has failed.
  • the palm shape feature refers to feature data representing the shape of the palm; the palm type includes left palm type and right palm type.
  • the second palm image can be image evaluated according to the mirror image similarity between the first palm image and the second palm image.
  • the image evaluation of the second palm image includes: calculating the mirror image similarity of the palms based on the first palm image and the second palm image; if the mirror image similarity is greater than a similarity threshold, determining that the image evaluation of the second palm image has passed; if the mirror image similarity is less than or equal to the similarity threshold, determining that the image evaluation of the second palm image has failed.
  • the image evaluation of the second palm image may also include: calculating the skin color matching degree based on the first palm image and the second palm image; if the skin color matching degree is greater than the matching degree threshold, determining that the image evaluation of the second palm image passes; if the skin color matching degree is less than or equal to the matching degree threshold, determining that the image evaluation of the second palm image fails.
  • the above-mentioned user terminal can upload the first palm image and the second palm image to the server as reference palm images.
  • the server can establish a binding relationship between the reference palm image and the user's payment identifier, and after the binding relationship is established, open up the authentication authority for the user to perform payment authentication at the payment machine, and the authentication authority includes the authentication authority for payment authentication through the palm at the payment machine.
  • Step S208 performing payment authentication on the user based on the palm image and the target palm image, so as to perform order payment processing after the payment authentication is successful.
  • the server receives the palm image captured by the user terminal through the rear camera, and determines the target palm image in the user's baseline palm image according to the palm type of the palm image. In this step, the server performs payment authentication on the user based on the palm image and the target palm image, so as to process the order payment after the payment authentication is successful, thereby improving the security of the order payment.
  • the payment authentication described in this embodiment includes identity verification performed during the payment process.
  • the feature similarity can be calculated based on the first key feature extracted from the palm image and the second key feature extracted from the target palm image. If the feature similarity is greater than the similarity threshold, it is determined that the payment authentication is successful.
  • the following operations are performed: extracting the first key feature from the palm image and extracting the second key feature from the target palm image; based on the first key feature, the first key feature is extracted from the palm image and the second key feature is extracted from the target palm image.
  • the feature similarity between the palm image and the target palm image is calculated based on the first key feature and the second key feature; if the feature similarity is greater than a similarity threshold, it is determined that the payment authentication is successful; if the feature similarity is less than or equal to the similarity threshold, it is determined that the payment authentication has failed.
  • the first key feature includes at least one of the following: palm print feature, key point feature, skin feature; the second key feature includes at least one of the following: palm print feature, key point feature, skin feature.
  • the key point feature includes the key point feature of the fingers in the palm, such as the key point at the root of the fingers in the palm.
  • the skin feature in this embodiment includes the skin color of the palm or the color of the palm.
  • the first palm print feature, the first key point feature and/or the first skin feature can be extracted from the palm image
  • the second palm print feature, the second key point feature and/or the second skin feature can be extracted from the target palm image
  • the feature similarity between the palm image and the target palm image is calculated; if the feature similarity is greater than a similarity threshold, it is determined that the payment authentication is successful; if the feature similarity is less than or equal to the similarity threshold, it is determined that the payment authentication has failed.
  • the following operation is also performed: if the feature similarity is less than or equal to the similarity threshold, it is determined whether the feature similarity is within the retry value interval; if it is within the retry value interval, a secondary palm image captured by the user terminal is received, and a secondary payment authentication is performed on the user based on the secondary palm image.
  • the retry value interval includes a value interval of feature similarity for secondary palm image acquisition, for example, the similarity threshold is 90%, and the retry value interval is 60%-80%.
  • the feature similarity is less than or equal to the similarity threshold, it is determined whether the feature similarity is within 60%-80%. If the feature similarity is within the retry value interval, the user terminal acquires a secondary palm image and sends it to the server.
  • the server receives the secondary palm image acquired by the user terminal through the rear camera or the front camera, and performs secondary payment authentication on the user based on the secondary palm image, that is, determines the target image in the reference palm image according to the palm type of the secondary palm image, and performs payment authentication on the user based on the secondary palm image and the target image.
  • the payment authentication process here is similar to the above-mentioned payment authentication process, and this embodiment will not be repeated here.
  • the server After the server authenticates the user's payment based on the palm image and the target palm image, if the payment authentication is successful, the server generates a successful authentication reminder and sends it to the payment server, and the payment server performs order payment processing; in an optional implementation manner provided in this embodiment, the order payment processing includes: determining the fund account associated with the user's payment identifier, and deducting money from the fund account based on the order amount.
  • the payment identification includes the payment account and also includes the login account of the user when collecting the reference palm image.
  • the user's secondary payment authentication result may be determined based on the associated palm image of the user's associated users when the payment authentication fails.
  • the following operations are also performed: if the payment authentication fails, an authentication failure reminder is sent to the user terminal to display the associated authentication entrance; the associated user selected after the user terminal triggers the associated authentication entrance is determined, and an associated authentication application is sent to the associated user; the secondary payment authentication result of the user is determined based on the associated palm image uploaded by the associated user.
  • the associated users include users who have an associated relationship with the user; the associated relationship includes a relative relationship, a friend relationship, a colleague relationship, etc.
  • the process of determining the secondary payment authentication result of the user based on the associated palm image uploaded by the associated user can be achieved by determining the baseline image of the associated user based on the associated palm image uploaded by the associated user, and performing secondary payment authentication on the user based on the associated palm image and the baseline image; the secondary payment authentication process here is similar to the above-mentioned payment authentication processing process, and this embodiment will not be repeated here.
  • the rear camera of the user terminal can be replaced by a front camera
  • the front camera of the user terminal can also be replaced by a rear camera
  • the one or more palm-based payment processing methods provided in this embodiment transfer the user's authentication authority for payment authentication at the payment machine to the user terminal according to the user's payment authentication request for self-service order payment through the palm payment channel, receive the palm image captured by the user terminal by calling the rear camera, and determine the target palm image in the user's baseline palm image according to the palm type of the palm image; extract the first key feature from the palm image and the second key feature from the target palm image, calculate the feature similarity between the palm image and the target palm image based on the first key feature and the second key feature, and if the feature similarity is greater than the similarity threshold, determine that the payment authentication is successful, and send a successful authentication reminder to the payment server to process the order payment, thereby improving the accuracy of the payment authentication by determining the palm type, and then improving the success rate of the payment authentication, and at the same time improving the convenience of the payment authentication by transferring the authentication authority, and reducing the probability of payment congestion.
  • the palm-based payment processing method applied to the authority transfer scenario specifically includes steps S902 to S918.
  • Step S902 obtaining a payment authentication request from a user for self-service order payment through a palm payment channel.
  • the payment verification request may be submitted through a user terminal or a payment machine;
  • the verification request is submitted by the user terminal after the user terminal scans the payment verification code displayed on the display screen of the payment machine through the rear camera, or submitted by the payment machine after the payment machine detects that the payment verification control displayed by the display component is triggered.
  • Step S904 in response to the payment authentication request, the user's authentication authority for payment authentication at the payment machine is transferred to the user terminal, and after the transfer, an image capture instruction is generated and sent to the user terminal.
  • Step S906 obtaining a palm video stream sent by the user terminal and collected by calling the rear camera when the display screen is in a black screen state.
  • Step S908 Send the palm capture video stream to the payment machine to display the palm capture video stream.
  • Step S910 Acquire a palm image in a palm collection video stream collected by a timed collection task and sent by a user terminal.
  • Step S912 determining a target palm image in the user's reference palm image according to the palm type of the palm image.
  • Step S914 extracting a first key feature from the palm image and extracting a second key feature from the target palm image.
  • the first key feature includes a first palm print feature, a first key point feature and/or a first skin feature
  • the second key feature includes a second palm print feature, a second key point feature and/or a second skin feature.
  • Step S916 Calculate the feature similarity between the palm image and the target palm image based on the first key feature and the second key feature.
  • the palmprint similarity, key point similarity and/or skin color similarity may be calculated based on the first palmprint feature, the first key point feature and/or the first skin feature and the second palmprint feature, the second key point feature and/or the second skin feature.
  • Step S918 If the feature similarity is greater than the similarity threshold, it is determined that the user's payment authentication is successful, and a successful authentication reminder is sent to the payment server to process the order payment.
  • the user's payment authentication is successful if the similarity of any one is greater than the similarity threshold; if the calculation obtains any multiple of the palm print similarity, key point similarity and skin color similarity, then the user's payment authentication is successful if the similarities of any multiple ones are all greater than the corresponding similarity threshold; if any of the multiple similarities has a similarity less than the similarity threshold, then the user's payment authentication fails.
  • step S918 can be replaced by determining that the user's payment authentication has failed if the feature similarity is less than or equal to the similarity threshold.
  • the palm-based payment processing method applied to the palm payment scenario specifically includes the following steps.
  • Step S1006 obtaining a payment authentication request submitted by the user terminal for self-service order payment through the palm payment channel.
  • Step S1008 in response to the payment authentication request, the user's authentication authority for payment authentication at the payment machine is transferred to the user terminal, and after the transfer, an image capture instruction is generated and sent to the user terminal.
  • Step S1016 obtaining the palm capture video stream sent by the user terminal, and sending the palm capture video stream to the payment machine.
  • Step S1022 receiving a palm image captured by the user terminal, and determining a target palm image in the user's reference palm image according to the palm type of the palm image.
  • Step S1024 based on the first key feature of the palm image and the second key feature of the target palm image, the user is authenticated for payment, so as to process the order payment after the payment authentication is successful.
  • the first key feature includes a first palm print feature, a first key point feature and/or a first skin feature
  • the second key feature includes a second palm print feature, a second key point feature and/or a second skin feature.
  • Steps S1006 to S1008, step S1016, and steps S1022 to S1024 provided in this embodiment may be executed by the server. It should be noted that the process of steps S1006 to S1008, step S1016, and steps S1022 to S1024 executed by the server is compatible with the process of steps S1002 to S1004, steps S1010 to S1014, and steps S1018 to S1020 executed by the user terminal provided in the following embodiments. Therefore, when reading this embodiment, please refer to the relevant contents of the following steps S1002 to S1004, steps S1010 to S1014, and steps S1018 to S1020.
  • steps S1010 to S1014, and steps S1018 to S1020 please also refer to the relevant contents of steps S1006 to S1008, step S1016, and steps S1022 to S1024 provided in this embodiment.
  • the palm-based payment processing method provided in this embodiment specifically includes steps S1102 to S1106 .
  • the palm-based payment processing method provided in this embodiment can be applied to user terminals, and the palm-based payment processing method provided in the above embodiments can be applied to servers.
  • the palm-based payment processing method applicable to user terminals provided in this embodiment cooperates with the palm-based payment processing method applicable to servers provided in the above embodiments during execution.
  • Step S1102 obtaining an image acquisition instruction issued by the server, and entering an image acquisition page based on the image acquisition instruction.
  • the image acquisition instruction is issued after detecting the payment authentication request of the user for self-service order payment through the palm payment channel; the payment authentication request is generated after the payment authentication action is performed by the payment machine configured by the merchant.
  • the server obtains the payment authentication request of the user for self-service order payment through the palm payment channel, and in response to the payment authentication request, transfers the authentication authority of the user for payment authentication at the payment machine to the user terminal. Specifically, the authentication authority is transferred to the user terminal, and after the transfer, an image acquisition instruction is generated and issued to the user terminal.
  • the palm payment channel includes a channel for order payment or payment authentication by collecting palm images; the self-service order payment includes the user paying the order by himself without the help of external personnel such as cashiers.
  • the payment verification request is to verify the identity of the user's self-service order payment. This embodiment can be applied to the user terminal.
  • the user's pending payment order can be generated at the merchant terminal, or at the payment machine configured by the merchant.
  • the user can be authenticated, that is, the user's identity can be verified during the payment process; considering that most users are averse to face-swiping payment, palm payment channels or palm payment methods can be introduced, specifically, by collecting palm images for order payment or payment authentication channels, thereby improving the flexibility of payment authentication.
  • the payment verification request is generated after detecting that a payment machine based on the merchant configuration performs a payment verification action; optionally, the payment verification action includes: a scanning action of scanning the payment verification logo displayed by the display component of the payment machine through the rear camera, or a triggering action of the payment verification control displayed on the display component.
  • the size of the merchant may be greater than the preset size threshold, or may be less than or equal to the preset size threshold, which is not specifically limited here.
  • the merchant may be a large supermarket, or a small merchant store, such as a small restaurant.
  • the merchant includes a self-service merchant, which means that there are no merchant personnel, and the user selects goods or services by himself in the merchant store of the self-service merchant, and pays for the self-service order through the payment machine configured by the self-service merchant or through the user terminal.
  • the user terminal refers to the terminal device of the user.
  • the payment machine configured by the merchant includes a machine for making payments, such as a self-service checkout machine in a supermarket; the payment machine may be configured with a display component, such as a display screen; the payment verification identifier includes a payment verification code, which may be in the form of a QR code or a barcode. In addition, the payment verification code may also be in other forms; the payment machine configured by the merchant may display the user's pending payment orders, and the payment machine may have the function of paying by swiping the face or entering a payment key.
  • the payment machine configured by the merchant does not have the function of collecting palm images, that is, the payment verification cannot be performed by collecting palm images through the payment machine.
  • the payment authentication action includes the action of performing payment authentication by collecting a palm image; in addition, the payment authentication action includes an authentication transfer action, that is, the payment authentication action can be a transfer action of transferring the user's authentication authority for payment authentication at a payment machine to a user terminal.
  • a payment verification request for the user to make a self-service order payment through the palm payment channel can be generated; in actual applications, in one case, the user can scan the payment verification code displayed on the display component of the payment machine configured by the merchant through the rear camera or front camera of the user terminal, and the user terminal submits the payment verification request to the server by scanning the payment verification code; in another case, the user can trigger the payment verification control displayed on the display component of the payment machine configured by the merchant, and submit the payment verification request by triggering the payment verification control.
  • the payment verification request here can be submitted by the payment machine to the server.
  • the payment verification request can be submitted through a user terminal or a payment machine; optionally, the payment verification request is submitted by the user terminal after the user terminal scans the payment verification logo displayed on the display component of the payment machine through a rear camera, or is submitted by the payment machine after the payment machine detects that the payment verification control displayed on the display component is triggered.
  • the user can enter the subroutine to call the rear camera to scan the payment verification logo displayed on the display component of the payment machine.
  • the verification subroutine of the user terminal submits a payment verification request to the server, and the subroutine of the user terminal interacts with the server; in addition, the user can also trigger the payment verification control displayed by the display component of the payment machine to call the payment verification interface to jump from the merchant subroutine to the verification subroutine, submit the payment verification request to the server through the verification applet, and jump from the verification subroutine to the merchant subroutine after the payment verification is passed.
  • a payment authentication logo can be displayed on the display component of the payment machine.
  • the server can determine the display position data of the payment authentication logo of the payment machine based on the palm operation data of the user detected by the sensor called by the user terminal, and send it to the payment machine to submit the payment authentication request based on the payment authentication logo displayed based on the display position data.
  • the server can perform the following operations: obtain the palm operation data of the user obtained by calling the sensor by the user terminal; determine the display position data of the payment authentication logo on the payment machine based on the palm operation data, and send it to the payment machine to submit the payment authentication request based on the payment authentication logo displayed based on the display position data.
  • the user terminal obtains the image acquisition instruction issued by the server, and before entering the image acquisition page based on the image acquisition instruction, it also performs the following operations: calling the sensor to detect the palm operation data of the user; uploading the palm operation data to the server to determine the display position data of the payment authentication logo on the payment machine based on the palm operation data.
  • the sensor includes a light sensor; the palm operation data includes the light shielding data of the display component when the user's palm operates the user terminal; and the display position data includes the display position data of the payment identification mark on the display component of the payment machine.
  • the user terminal can call the light sensor to detect the light blocking data of the display component when the user's palm operates the display component, and upload the light blocking data to the server.
  • the server obtains the light blocking data of the user detected by the user terminal calling the light sensor, and determines the user's operating palm type based on the light blocking data.
  • the operating palm type refers to the type of palm used by the user to operate the user terminal, that is, determines whether the user operates the user terminal with a left palm type or a right palm type, and determines the display position data of the payment verification logo on the payment machine according to the user's operating palm type, and sends it to the payment machine to submit a payment verification request based on the payment verification logo displayed based on the display position data.
  • the above method determines the user's operating palm type based on the light shading data, and determines the payment authentication identifier according to the user's operating palm type.
  • the server can determine the light blocking area of the display component of the user terminal by the user's palm based on the light blocking data, and determine the user's operating palm type based on the light blocking area. If the operating palm type is the preset palm type, the payment verification mark is determined to be the first display position at the display position of the payment machine. If the operating palm type is not the preset palm type, the payment verification mark is determined to be the second display position at the display position of the payment machine.
  • the user's operating palm type can be determined to be the left palm type. If the light blocking area is the right area of the display component of the user terminal, the user's operating palm type can be determined to be the right palm type.
  • the preset palm type can be a left palm type or a right palm type. If the preset palm type is the left palm type and the operating palm type is the preset palm type, the display position of the payment verification logo in the payment machine is determined as the target position in the right area of the payment machine. When the preset palm type is the left palm type and the operating palm type is not the preset palm type, the display position of the payment verification logo in the payment machine is determined as the target position in the left area of the payment machine; if the preset palm type is the right palm type and the operating palm type is the preset palm type, the display position of the payment verification logo in the payment machine is determined as the target position in the left area of the payment machine. When the preset palm type is the right palm type and the operating palm type is not the preset palm type, the display position of the payment verification logo in the payment machine is determined as the target position in the right area of the payment machine.
  • the server can also obtain the authentication failure reminder of the user's payment authentication at the payment machine. Based on the authentication failure reminder, the channel identifier of the authentication transfer channel or the payment authentication channel for authentication authority transfer can be sent to the payment machine; optionally, the channel identifier of the authentication transfer channel includes the control identifier of the payment authentication control and/or the payment authentication code. The user can perform the payment authentication action based on the authentication transfer channel of the payment machine and generate a payment authentication request.
  • the server obtains the payment authentication request of the user for self-service order payment through the palm payment channel. After that, in order to improve the flexibility and convenience of the user's payment authentication, the server transfers the user's authentication authority for payment authentication at the payment machine to the user terminal after obtaining the payment authentication request.
  • the authentication authority includes the user's verification authority for identity verification during the order payment process of the payment machine.
  • the server may collect the user's reference palm image through the user terminal, and use it to authenticate the user for payment based on the real-time collected palm image and the reference palm image; optionally, the reference palm image is bound to the user's payment identification; the authentication authority is opened to the user after the binding relationship is established.
  • the payment identification includes the payment account.
  • the server may perform the following operations: transfer the authentication authority to the user terminal, and generate an image capture instruction after the transfer and send it to the user terminal.
  • the server transfers the user's authentication authority for payment authentication at the payment machine to the user terminal, and generates an image acquisition instruction after the transfer and sends it to the user terminal.
  • the user terminal obtains the image acquisition instruction issued by the server, and enters the image acquisition page based on the image acquisition instruction.
  • the user terminal can obtain the user's palm image captured by calling the rear camera or the front camera through the image acquisition page; wherein, the image acquisition instruction includes an instruction for instructing the user to capture a palm image, and the image acquisition page includes a page for capturing a palm image.
  • the server can synchronize the palm capture video stream of the user terminal capturing the palm image to the payment machine, that is, the user can view the process of the user terminal capturing or shooting the palm image on the payment machine, reducing the number of operations of the user terminal by the specific user, and improving the perception of the specific user through the payment machine.
  • the palm capture video stream sent by the user terminal is sent to the payment machine.
  • the following operations can be performed: obtaining the palm capture video stream sent by the user terminal; optionally, the palm capture video stream is acquired by the rear camera when the display component of the user terminal is in a preset display state; sending the palm capture video stream to the payment machine, so that the payment machine determines the palm image in the palm capture video stream.
  • the user terminal after obtaining the image acquisition instruction issued by the server and entering the image acquisition page based on the image acquisition instruction, performs the following operations: obtaining the palm acquisition video stream captured by calling the rear camera through the image acquisition page when the display component is in a preset display state; sending the palm acquisition video stream to the server to send it to the payment machine to determine the palm image.
  • the rear camera includes the rear camera of the user terminal;
  • the preset display state includes the dormant state or black screen state of the display screen of the user terminal.
  • the palm acquisition video stream refers to the video stream acquired during the process of acquiring the user's palm image, such as the video stream acquired during the process of adjusting the distance or position of the user's palm.
  • the palm acquisition video stream is acquired when the display component of the user terminal is in a preset display state after obtaining the user's authorization instruction.
  • the user terminal can enter the image capture page when the display component is in a preset display state, obtain the palm capture video stream captured by calling the rear camera or the front camera through the image capture page when the display component is in a preset display state, and send the palm capture video stream to the server.
  • the server obtains the palm capture video stream sent by the user terminal and sends the palm capture video stream to the payment machine, so that the palm image can be determined in the palm capture video stream through the payment machine.
  • the server can also perform the following operations: receive the determination instruction of the palm image in the palm capture video stream sent by the payment machine; send the determination instruction to the user terminal to upload the palm image to the server.
  • the following operation is also performed: obtaining the confirmation instruction of the palm image in the palm acquisition video stream sent by the payment machine issued by the server.
  • the determination instruction may be generated after detecting that the collection control of the display component of the payment machine is triggered; the determination instruction includes an instruction to determine the palm image in the palm collection video stream.
  • the determination instruction includes an image shooting instruction.
  • the server can receive a preset number of target palm capture images in the palm capture video stream captured by the user terminal through a timed capture task as the palm image captured by the user terminal calling the rear camera, that is, as the palm image for payment authentication.
  • the timed acquisition task includes the task of regularly acquiring or photographing a palm image in a palm acquisition video stream, for example, photographing a palm image every 3 seconds.
  • the preset number may be one or more.
  • the user terminal can also establish a data connection with the payment machine, such as establishing a data connection through Bluetooth.
  • the user terminal can obtain the palm acquisition video stream collected by the rear camera through the image acquisition page when the display component is in a preset display state, and directly synchronize the palm acquisition video stream to the payment machine to determine the palm image in the palm acquisition video stream when the payment machine is in the palm acquisition video stream; or, after the user terminal synchronizes the palm acquisition video stream to the payment machine, the user terminal can collect a preset number of target palm acquisition images in the palm acquisition video through a scheduled acquisition task and send them to the server.
  • the server can receive a preset number of target palm acquisition images in the palm acquisition video stream collected by the user terminal through the scheduled acquisition task, and filter out the palm acquisition image from the target palm acquisition image according to the image index of the target palm acquisition image as the palm image collected by the user terminal calling the rear camera, that is, as the palm image for payment verification.
  • Step S1104 obtaining the user's palm image captured by the rear camera through the image capture page.
  • the image acquisition instruction sent by the server is obtained, and an image acquisition page is entered based on the image acquisition instruction.
  • the palm image of the user acquired by calling the rear camera through the image acquisition page is acquired.
  • the following operation is performed: based on the determination instruction, the palm image captured by calling the rear camera through the image acquisition page is obtained.
  • Step S1106 sending the palm image to the server so as to verify the user's payment identity based on the palm image and a target palm image determined in the user's reference palm image based on the palm type.
  • the server After the user terminal sends the palm image to the server, the server receives the palm image captured by the user terminal by calling the rear camera, and determines the target palm image in the user's baseline palm image according to the palm type of the palm image, and performs payment authentication on the user based on the palm image and the target palm image, so as to process the order payment after the payment authentication is successful.
  • the order payment is processed after the payment authentication is successful.
  • the palm image refers to an image of the user's palm collected in real time; the palm type includes a left palm type and a right palm type; and the reference palm image includes a palm image that serves as a comparison reference for payment authentication.
  • the server can identify the palm type of the palm image, and select a palm image consistent with the palm type from the user's reference palm image as the target palm image based on the palm type.
  • the server can determine the palm type based on the palm shape features and/or palm orientation features in the palm image, and select a palm image consistent with the palm type from the user's baseline palm image as the target palm image.
  • the server can obtain the user's baseline palm image in advance for payment authentication, thereby improving the convenience of payment authentication.
  • the baseline palm image is composed of a first palm image and a second palm image; the second palm image is collected after the image evaluation of the first palm image passes, and the first palm image and the second palm image are used as baseline palm images after the image evaluation of the second palm image passes.
  • the baseline palm image can be obtained in the following manner: based on the collection instruction submitted by the user through the subroutine, the payment identifier input by the user is obtained and the identity of the user is verified based on the payment identifier; after the verification is passed, the rear camera is called to collect the first palm image of the user, and the second palm image of the user is collected after the image evaluation of the first palm image passes; if the image evaluation of the second palm image passes, the first palm image and the second palm image are used as the baseline palm image; if the image evaluation of the second palm image fails, no processing is performed.
  • the image evaluation of the first palm image includes at least one of the following: image clarity evaluation, palm integrity evaluation, and image exposure evaluation;
  • the image evaluation of the second palm image includes at least one of the following: image clarity evaluation, palm integrity evaluation, image exposure evaluation, palm type evaluation, palm skin evaluation (palm color evaluation), and mirror image similarity evaluation with the first palm image.
  • the user terminal can submit a collection instruction or a registration instruction through the registration page of the subprogram
  • the server obtains the collection instruction or the registration instruction submitted by the user through the registration page of the subprogram, sends the identification input page data to the user terminal
  • the user terminal generates an identification input page based on the identification input page data
  • the server The device obtains the payment identification input by the user and verifies the identity of the user based on the payment identification.
  • the user terminal After the verification is passed, the user terminal generates and displays a collection demonstration page, generates and displays a first collection page by triggering a start instruction of the collection demonstration page, calls the rear camera through the first collection page to collect the first palm image of the user, and the image evaluation of the first palm image can be performed on the user terminal, or the first palm image can be uploaded to the server, and the server performs the image evaluation of the first palm image.
  • the user terminal After the image evaluation of the first palm image is passed, the user terminal generates and displays a second collection page, calls the rear camera through the second collection page to collect the second palm image of the user. Similarly, the image evaluation of the second palm image can be performed on the user terminal, or the second palm image can be uploaded to the server, and the server performs the image evaluation of the second palm image. If the image evaluation of the second palm image is passed, the first palm image and the second palm image are used as the user's benchmark palm images.
  • the user can submit a collection instruction or a registration instruction by triggering the 301 control.
  • the user terminal displays the identification input page shown in FIG4 , and displays the payment key input by the user through the 401 area.
  • the user terminal After the user's identity is verified based on the payment key, the user terminal generates a collection demonstration page as shown in FIG5 , and the 501 area shows the user the correct collection method for collecting palm collection.
  • the rear camera After the user terminal detects that the start shooting control 502 is triggered, the rear camera is called to collect the user's first palm image. After the image evaluation of the first palm image is passed, a page as shown in FIG6 is generated and displayed.
  • the palm collection page shown in the figure after the user triggers the start shooting control 601, the rear camera is called to collect the user's second palm image. After the image evaluation of the second palm image passes, the user terminal generates and displays the evaluation display page shown in Figure 7. After the user triggers the completion control 701, the user terminal jumps from the evaluation display page shown in Figure 7 to the registration result page shown in Figure 8.
  • the user terminal submits the user's baseline palm image to the server.
  • the server can bind the payment identifier based on the baseline palm image, and open the authentication authority for the user to perform payment authentication on the payment machine; palm swiping payment means that the user's authentication authority has been opened, and the user's payment identifier, such as the deduction account, is bound.
  • the image evaluation of the second palm image can be implemented in the following manner: based on the palm shape features in the second palm image, the palm type of the second palm image is identified; if the palm type is inconsistent with the palm type of the first palm image, it is determined that the image evaluation of the second palm image passes;
  • the palm shape feature refers to feature data representing the shape of the palm; the palm type includes left palm type and right palm type.
  • the second palm image can be image evaluated according to the mirror image similarity between the first palm image and the second palm image.
  • the image evaluation of the second palm image can also be implemented in the following manner: based on the first palm image and the second palm image, the mirror image similarity of the palms is calculated; if the mirror image similarity is greater than a similarity threshold, it is determined that the image evaluation of the second palm image has passed; if the mirror image similarity is less than or equal to the similarity threshold, it is determined that the image evaluation of the second palm image has failed.
  • the image evaluation of the second palm image can also be implemented in the following manner: calculate the skin color matching degree based on the first palm image and the second palm image; if the skin color matching degree is greater than the matching degree threshold, determine that the image evaluation of the second palm image passes; if the skin color matching degree is less than or equal to the matching degree threshold, determine that the image evaluation of the second palm image fails.
  • the above-mentioned user terminal can upload the first palm image and the second palm image to the server as reference palm images.
  • the server can establish a binding relationship between the reference palm image and the user's payment identifier, and after the binding relationship is established, open up the authentication authority for the user to perform payment authentication at the payment machine, and the authentication authority includes the authentication authority for payment authentication through the palm at the payment machine.
  • the server receives the palm image captured by the user terminal through the rear camera, and determines the target palm image in the user's baseline palm image according to the palm type of the palm image. After that, the server performs payment authentication on the user based on the palm image and the target palm image, so as to process the order payment after the payment authentication is successful, thereby improving the security of the order payment.
  • the payment authentication described in this embodiment includes identity verification performed during the payment process.
  • the server may calculate the feature similarity based on the first key feature extracted from the palm image and the second key feature extracted from the target palm image.
  • the server may perform the following operations: extract the first key feature from the palm image and extract the second key feature from the target palm image; based on the first key feature and the second key feature, calculate the feature similarity between the palm image and the target palm image; if the feature similarity is greater than the similarity threshold, it is determined that the payment authentication is successful; if the feature similarity is less than or equal to the similarity threshold, it is determined that the payment authentication has failed.
  • the first key feature includes at least one of the following: palm print feature, key point feature, skin feature;
  • the second key feature includes at least one of the following: palm print feature, key point feature, skin feature.
  • the key point feature includes the key point feature of the fingers in the palm, such as the key point at the base of the fingers in the palm.
  • the server may extract a first palm print feature, a first key point feature and/or a first skin feature from the palm image, and extract a second palm print feature, a second key point feature and/or a second skin feature from the target palm image; based on the first palm print feature, the first key point feature and/or the first skin feature and the second palm print feature, the second key point feature and/or the second skin feature, calculate the feature similarity between the palm image and the target palm image; if the feature similarity is greater than a similarity threshold, it is determined that the payment authentication is successful; if the feature similarity is greater than a similarity threshold, it is determined that the payment authentication is successful; If the similarity is less than or equal to the similarity threshold, it is determined that the payment authentication has failed.
  • the server may also perform the following operations: if the feature similarity is less than or equal to the similarity threshold, determine whether the feature similarity is within the retry value interval; if it is within the retry value interval, receive the secondary palm image captured by the user terminal, and perform secondary payment authentication on the user based on the secondary palm image.
  • the retry value interval includes a value interval of feature similarity for secondary palm image acquisition, for example, the similarity threshold is 90%, and the retry value interval is 60%-80%.
  • the feature similarity is less than or equal to the similarity threshold, it is determined whether the feature similarity is within 60%-80%. If the feature similarity is within the retry value interval, the user terminal acquires a secondary palm image and sends it to the server.
  • the server receives the secondary palm image acquired by the user terminal through the rear camera or the front camera, and performs secondary payment authentication on the user based on the secondary palm image, that is, determines the target image in the reference palm image according to the palm type of the secondary palm image, and performs payment authentication on the user based on the secondary palm image and the target image.
  • the payment authentication process here is similar to the above-mentioned payment authentication process, and this embodiment will not be repeated here.
  • the server performs payment authentication on the user based on the palm image and the target palm image
  • the server if the payment authentication is successful, the server generates a successful authentication reminder and sends it to the payment server, and the payment server processes the order payment; optionally, the order payment processing includes: determining the fund account associated with the user's payment identifier, and deducting money from the fund account based on the order amount.
  • the payment identification includes the payment account and also includes the login account of the user when collecting the reference palm image.
  • the server may determine the user's secondary payment authentication result based on the associated palm image of the user's associated users when the payment authentication fails; specifically, after the server performs payment authentication on the user based on the palm image and the target palm image, it may also perform the following operations: if the payment authentication fails, send an authentication failure reminder to the user terminal to display the associated authentication entrance; determine the associated user selected after the user terminal triggers the associated authentication entrance, and send an associated authentication application to the associated user; determine the user's secondary payment authentication result based on the associated palm image uploaded by the associated user.
  • the associated users include users who have an associated relationship with the user; the associated relationship includes a relative relationship, a friend relationship, a colleague relationship, etc.
  • the server can determine the reference image of the associated user based on the associated palm image uploaded by the associated user, and perform secondary payment authentication on the user based on the associated palm image and the reference image; the secondary payment authentication process here is similar to the above-mentioned payment authentication processing process, and this embodiment will not be repeated here.
  • the rear camera of the user terminal can be replaced by a front camera
  • the front camera of the user terminal can also be replaced by a rear camera
  • the palm-based payment processing method applied to the palm payment scenario specifically includes the following steps.
  • Step S1002 Scan the payment verification code displayed on the display screen of the payment machine through the rear camera.
  • Step S1004 based on the decoding result of the payment verification code, submit a payment verification request for the user to make a self-service order payment through the palm payment channel to the server.
  • Step S1010 obtaining an image acquisition instruction issued by the server, and entering an image acquisition page based on the image acquisition instruction.
  • Step S1012 obtaining a palm capture video stream captured by the rear camera through the image capture page when the display screen is in a black screen state.
  • Step S1014 Send the palm capture video stream to the server.
  • Step S1018 Based on the timed acquisition task, a preset number of target palm acquisition images in the palm acquisition video stream are acquired through the image acquisition page as palm images.
  • Step S1020 sending the palm image to the server.
  • a palm-based payment processing device provided in this specification is as follows: In the above embodiment, a palm-based payment processing method is provided, and correspondingly, a palm-based payment processing device is also provided, which is described below in conjunction with the accompanying drawings.
  • FIG. 12 there is shown a schematic diagram of an embodiment of a palm-based payment processing device provided in this embodiment.
  • the description is relatively simple, and the relevant parts can refer to the corresponding description of the method embodiment provided above.
  • the device embodiment described below is only illustrative.
  • the present embodiment provides a palm-based payment processing device, including: a request acquisition module 1202, configured to acquire a payment authentication request of a user for self-service order payment through a palm payment channel; the payment authentication request is generated after detecting that a payment machine configured based on a merchant performs a payment authentication action; an authority transfer module 1204, configured to transfer the authentication authority of the user for payment authentication at the payment machine to a user terminal in response to the payment authentication request; an image determination module 1206, configured to receive a palm image captured by the user terminal through a rear camera, and to perform authentication on the user's base terminal according to the palm type of the palm image.
  • a target palm image is determined from the quasi-palm image; and a payment verification module 1208 is configured to verify the payment of the user based on the palm image and the target palm image, so as to process the order payment after the payment verification is successful.
  • FIG. 1 Another embodiment of a palm-based payment processing device provided in this specification is as follows: In the above-mentioned embodiment, another palm-based payment processing method is provided, and correspondingly, another palm-based payment processing device is also provided, which is described below in conjunction with the accompanying drawings.
  • FIG. 13 there is shown a schematic diagram of an embodiment of a palm-based payment processing device provided in this embodiment.
  • the description is relatively simple, and the relevant parts can refer to the corresponding description of the method embodiment provided above.
  • the device embodiment described below is only illustrative.
  • the present embodiment provides a palm-based payment processing device, including: a page entry module 1302, configured to obtain an image acquisition instruction issued by a server, and enter an image acquisition page based on the image acquisition instruction; an image acquisition module 1304, configured to obtain a palm image of a user acquired by calling a rear camera through the image acquisition page; an image sending module 1306, configured to send the palm image to the server, so as to perform payment authentication on the user according to the palm image and a target palm image determined in a baseline palm image of the user based on the palm type; after the payment authentication is successful, order payment processing is performed; wherein, the image acquisition instruction is issued after a payment authentication request of the user for self-service order payment through a palm payment channel is detected; the payment authentication request is generated after a payment authentication action is performed on a payment machine configured based on the merchant.
  • a page entry module 1302 configured to obtain an image acquisition instruction issued by a server, and enter an image acquisition page based on the image acquisition instruction
  • FIG. 14 is a structural schematic diagram of a palm-based payment processing device provided in one or more embodiments of this specification.
  • a palm-based payment processing device includes: As shown in FIG. 14 , the palm-based payment processing device may have relatively large differences due to different configurations or performances, and may include one or more processors 1401 and memory 1402, and the memory 1402 may store one or more storage applications or data. Among them, the memory 1402 may be a short-term storage or a persistent storage.
  • the application stored in the memory 1402 may include one or more modules (not shown in the figure), and each module may include a series of computer executable instructions in the palm-based payment processing device.
  • the processor 1401 may be configured to communicate with the memory 1402, and execute a series of computer executable instructions in the memory 1402 on the palm-based payment processing device.
  • the palm-based payment processing device may also include one or more power supplies 1403, one or more wired or wireless network interfaces 1404, one or more input/output interfaces 1405, one or more keyboards 1406, etc.
  • a palm-based payment processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions in the palm-based payment processing device, and the one or more programs are configured to be executed by one or more processors to include the following computer-executable instructions: obtaining a payment authentication request from a user for self-service order payment through a palm payment channel; the payment authentication request is generated after detecting that a payment machine configured based on a merchant performs a payment authentication action; in response to the payment authentication request, transferring the authentication authority of the user to perform payment authentication at the payment machine to a user terminal; receiving a palm image captured by the user terminal using a rear camera, and determining a target palm image in the user's baseline palm image according to the palm type of the palm image; and performing payment authentication on the user based on the palm image and the target palm image, so as to perform order payment processing after the
  • FIG. 15 is a structural schematic diagram of a palm-based payment processing device provided by one or more embodiments of this specification.
  • a palm-based payment processing device includes: As shown in FIG. 15 , the palm-based payment processing device may have relatively large differences due to different configurations or performances, and may include one or more processors 1501 and memory 1502, and the memory 1502 may store one or more storage applications or data. Among them, the memory 1502 may be a short-term storage or a persistent storage.
  • the application stored in the memory 1502 may include one or more modules (not shown in the figure), and each module may include a series of computer executable instructions in the palm-based payment processing device.
  • the processor 1501 may be configured to communicate with the memory 1502, and execute a series of computer executable instructions in the memory 1502 on the palm-based payment processing device.
  • the palm-based payment processing device may also include one or more power supplies 1503, one or more wired or wireless network interfaces 1504, one or more input/output interfaces 1505, one or more keyboards 1506, etc.
  • a palm-based payment processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer executable instructions in the palm-based payment processing device, and the one or more programs are configured to be executed by one or more processors to include the following computer executable instructions: obtain an image acquisition instruction issued by a server, and enter an image acquisition page based on the image acquisition instruction; obtain a palm image of the user acquired by calling a rear camera through the image acquisition page; send the palm image to the server to perform payment authentication on the user based on the palm image and a target palm image determined in a baseline palm image of the user based on the palm type; perform order payment processing after the payment authentication is successful; wherein the image acquisition instruction is issued after a payment authentication request of the user for self-service order payment through a palm payment channel is detected; and the payment authentication request is generated after a payment machine configured by a merchant performs a payment authentication action.
  • An embodiment of a storage medium provided in this specification is as follows: Corresponding to the above-described method for processing payment based on a palm, Based on the same technical concept, one or more embodiments of this specification also provide a storage medium.
  • the storage medium provided in this embodiment is used to store computer-executable instructions, which implement the following process when executed by a processor: obtaining a payment authentication request from a user for self-service order payment through a palm payment channel; the payment authentication request is generated after detecting that a payment machine configured based on a merchant performs a payment authentication action; in response to the payment authentication request, transferring the authentication authority of the user for payment authentication at the payment machine to a user terminal; receiving a palm image captured by the user terminal using a rear camera, and determining a target palm image in a baseline palm image of the user according to the palm type of the palm image; and performing payment authentication on the user based on the palm image and the target palm image, so as to perform order payment processing after successful payment authentication.
  • Another storage medium embodiment provided in this specification is as follows: Corresponding to the other palm-based payment processing method described above, based on the same technical concept, one or more embodiments of this specification also provide another storage medium.
  • the storage medium provided in this embodiment is used to store computer-executable instructions, which implement the following process when executed by a processor: obtain an image acquisition instruction issued by a server, and enter an image acquisition page based on the image acquisition instruction; obtain a palm image of the user acquired by calling a rear camera through the image acquisition page; send the palm image to the server to perform payment authentication on the user based on the palm image and a target palm image determined in a baseline palm image of the user based on the palm type; perform order payment processing after the payment authentication is successful; wherein the image acquisition instruction is issued after a payment authentication request from the user for self-service order payment through a palm payment channel is detected; and the payment authentication request is generated after a payment authentication action is performed on a payment machine configured based on a merchant.
  • a programmable logic device such as a field programmable gate array (FPGA)
  • FPGA field programmable gate array
  • HDL Hardware Description Language
  • HDL Very-High-Speed Integrated Circuit Hardware Description Language
  • ABEL Advanced Boolean Expression Language
  • AHDL Altera Hardware Description Language
  • HDCal Joint CHDL
  • JHDL Java Hardware Description Language
  • Lava Lava
  • Lola MyHDL
  • PALASM RHDL
  • VHDL Very-High-Speed Integrated Circuit Hardware Description Language
  • Verilog Verilog
  • the controller may be implemented in any suitable manner, for example, the controller may take the form of a microprocessor or processor and a computer readable medium storing a computer readable program code (e.g., software or firmware) executable by the (micro)processor, a logic gate, a switch, an application specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, and the memory controller may also be implemented as part of the control logic of the memory.
  • a computer readable program code e.g., software or firmware
  • the controller may be implemented in the form of a logic gate, a switch, an application specific integrated circuit, a programmable logic controller, and an embedded microcontroller by logically programming the method steps. Therefore, such a controller may be considered as a hardware component, and the means for implementing various functions included therein may also be considered as a structure within the hardware component. Or even, the means for implementing various functions may be considered as both a software module for implementing the method and a structure within the hardware component.
  • the systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by a computer having A product with a certain function is implemented by a computer.
  • a typical implementation device is a computer.
  • the computer can be, for example, 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 device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
  • the above device is described by dividing it into various units according to its functions.
  • the functions of each unit can be implemented in the same or multiple software and/or hardware.
  • one or more embodiments of this specification may be provided as a method, system or computer program product. Therefore, one or more embodiments of this specification may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, this specification may take the form of a computer program product 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 code.
  • computer-usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer-readable memory produce a manufactured product including an instruction device that implements the functions specified in one or more processes in the flowchart and/or one or more boxes in the block diagram.
  • These computer program instructions may also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, whereby the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in one or more processes in the flowchart and/or one or more boxes in the block diagram.
  • a computing device includes one or more processors (CPU), input/output interfaces, network interfaces, and memory.
  • processors CPU
  • input/output interfaces network interfaces
  • memory volatile and non-volatile memory
  • Memory may include non-permanent storage in a computer-readable medium, in the form of random access memory (RAM) and/or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
  • RAM random access memory
  • ROM read-only memory
  • flash RAM flash memory
  • Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information.
  • 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, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device.
  • computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.
  • One or more embodiments of the present 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 the present specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network.
  • program modules may be located in local and remote computer storage media, including storage devices.

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Abstract

基于手掌的支付处理方法及装置，其中，一种基于手掌的支付处理方法包括：在获取到用户通过手掌支付渠道进行自助订单支付的支付核身请求后，将用户在支付机具进行支付核身的核身权限转移至用户终端，根据用户终端调用后置摄像头采集的手掌图像的手掌类型在用户的基准手掌图像中确定目标手掌图像，并基于手掌图像和目标手掌图像对用户进行支付核身。

Description

基于手掌的支付处理方法及装置 技术领域
本文件涉及数据处理技术领域，尤其涉及一种基于手掌的支付处理方法及装置。
背景技术
随着互联网和信息技术的不断发展，用户在享受服务的过程中或者享受服务后可通过各种各样的方式进行付款，比如现金支付，电子支付等；在支付处理的过程中，电子支付技术变得越来越普遍，而在支付之前，可对用户进行核身验证，在确定用户的真实身份之后才对订单进行支付，防止冒用别人的身份进行支付的情况发生，在此过程中，如何更好地对用户的核身进行管理逐渐成为各方关注的重点。
发明内容
本说明书一个或多个实施例提供了一种基于手掌的支付处理方法，包括：获取用户通过手掌支付渠道进行自助订单支付的支付核身请求。所述支付核身请求在检测到基于商家配置的支付机具执行支付核身动作后生成。响应于所述支付核身请求，将所述用户在所述支付机具进行支付核身的核身权限转移至用户终端。接收所述用户终端调用后置摄像头采集的手掌图像，并根据所述手掌图像的手掌类型在所述用户的基准手掌图像中确定目标手掌图像。基于所述手掌图像和所述目标手掌图像对所述用户进行支付核身，以在支付核身成功后进行订单支付处理。
本说明书一个或多个实施例提供了另一种基于手掌的支付处理方法，包括：获取服务器下发的图像采集指令，并基于所述图像采集指令进入图像采集页面。获取通过所述图像采集页面调用后置摄像头采集的用户的手掌图像。将所述手掌图像向所述服务器发送，以根据所述手掌图像和基于手掌类型在所述用户的基准手掌图像中确定的目标手掌图像对所述用户进行支付核身。所述支付核身成功后进行订单支付处理。其中，所述图像采集指令，在检测到所述用户通过手掌支付渠道进行自助订单支付的支付核身请求后下发。所述支付核身请求在基于商家配置的支付机具执行支付核身动作后生成。
本说明书一个或多个实施例提供了一种基于手掌的支付处理装置，包括：请求获取模块，被配置为获取用户通过手掌支付渠道进行自助订单支付的支付核身请求。所述支付核身请求在检测到基于商家配置的支付机具执行支付核身动作后生成。权限转移模块，被配置为响应于所述支付核身请求，将所述用户在所述支付机具进行支付核身的核身权限转移至用户终端。图像确定模块，被配置为接收所述用户终端调用后置摄像头采集的手掌图像，并根据所述手掌图像的手掌类型在所述用户的基准手掌图像中确定目标手掌图像。支付核身模块，被配置为基于所述手掌图像和所述目标手掌图像对所述用户进行支付核身，以在支付核身成功后进行订单支付处理。
本说明书一个或多个实施例提供了另一种基于手掌的支付处理装置，包括：页面进入模块，被配置为获取服务器下发的图像采集指令，并基于所述图像采集指令进入图像采集页面。图像获取模块，被配置为获取通过所述图像采集页面调用后置摄像头采集的用户的手掌图像。图像发送模块，被配置为将所述手掌图像向所述服务器发送，以根据所述手掌图像和基于手掌类型在所述用户的基准手掌图像中确定的目标手掌图像对所述用户进行支付核身。所述支付核身成功后进行订单支付处理。其中，所述图像采集指令，在检测到所述用户通过手掌支付渠道进行自助订单支付的支付核身请求后下发。所述支付核身请求在基于商家配置的支付机具执行支付核身动作后生成。
本说明书一个或多个实施例提供了一种基于手掌的支付处理设备，包括：处理器；以及，被配置为存储计算机可执行指令的存储器，所述计算机可执行指令在被执行时使所述处理器：获取用户通过手掌支付渠道进行自助订单支付的支付核身请求。所述支付核身请求在检测到基于商家配置的支付机具执行支付核身动作后生成。响应于所述支付核身请求，将所述用户在所述支付机具进行支付核身的核身权限转移至用户终端。接收所述用户终端调用后置摄像头采集的手掌图像，并根据所述手掌图像的手掌类型在所述用户的基准手掌图像中确定目标手掌图像。基于所述手掌图像和所述目标手掌图像对所述用户进行支付核身，以在支付核身成功后进行订单支付处理。
本说明书一个或多个实施例提供了另一种基于手掌的支付处理设备，包括：处理器；以及，被配置为存储计算机可执行指令的存储器，所述计算机可执行指令在被执行时使所述处理器：获取服务器下发的图像采集指令，并基于所述图像采集指令进入图像采集页面。获取通过所述图像采集页面调用后置摄像头采集的用户的手掌图像。将所述手掌图像向所述服务器发送，以根据所述手掌图像和基于手掌类型在所述用户的基准手掌图像中确定的目标手掌图像对所述用户进行支付核身。所述支付核身成功后进行订单支付处理。其中，所述图像采集指令，在检测到所述用户通过手掌支付渠道进行自助订单支付的支付核身请求后下发。所述支付核身请求在基于商家配置的支付机具执行支付核身动作后生成。
本说明书一个或多个实施例提供了一种存储介质，用于存储计算机可执行指令，所述计算机可执行指令在被处理器执行时实现以下流程：获取用户通过手掌支付渠道进行自助订单支付的支付核身请求。所述支付核身请求在检测到基于商家配置的支付机具执行支付核身动作后生成。响应于所述支付核身请求，将所述用户在所述支付机具进行支付核身的核身权限转移至用户终端。接收所述用户终端调用后置摄像头采集的手掌图像，并根据所述手掌图像的手掌类型在所述用户的基准手掌图像中确定目标手掌图像。基于所述手掌图像和所述目标手掌图像对所述用户进行支付核身，以在支付核身成功后进行订单支付处理。
本说明书一个或多个实施例提供了另一种存储介质，用于存储计算机可执行指令，所述计算机可执行指令在被处理器执行时实现以下流程：获取服务器下发的图像采集指令，并基于所述图像采集指令进入图像采集页面。获取通过所述图像采集页面调用后置摄像头采集的用户的手掌图像。将所述手掌图像向所述服务器发送，以根据所述手掌图像和基于手掌类型在所述用户的基准手掌图像中确定的目标手掌图像对所述用户进行支付核身。所述支付核身成功后进行订单支付处理。其中，所述图像采集指令，在检测到所述用户通过手掌支付渠道进行自助订单支付的支付核身请求后下发。所述支付核身请求在基于商家配置的支付机具执行支付核身动作后生成。
附图说明
为了更清楚地说明本说明书一个或多个实施例的技术方案，下面将对实施例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基于手掌的支付处理方法实施环境的示意图。
图2为本说明书一个或多个实施例提供的一种基于手掌的支付处理方法处理流程图。
图3为本说明书一个或多个实施例提供的一种注册页面的示意图。
图4为本说明书一个或多个实施例提供的一种标识输入页面的示意图。
图5为本说明书一个或多个实施例提供的一种采集演示页面的示意图。
图6为本说明书一个或多个实施例提供的一种手掌采集页面的示意图。
图7为本说明书一个或多个实施例提供的一种评估展示页面的示意图。
图8为本说明书一个或多个实施例提供的一种注册结果页面的示意图。
图9为本说明书一个或多个实施例提供的一种应用于权限转移场景的基于手掌的支付处理方法处理流程图。
图10为本说明书一个或多个实施例提供的一种应用于手掌支付场景的基于手掌的支付处理方法处理时序图。
图11为本说明书一个或多个实施例提供的另一种基于手掌的支付处理方法处理流程图。
图12为本说明书一个或多个实施例提供的一种基于手掌的支付处理装置实施例的示意图。
图13为本说明书一个或多个实施例提供的另一种基于手掌的支付处理装置实施例的示意图。
图14为本说明书一个或多个实施例提供的一种基于手掌的支付处理设备的结构示意图。
图15为本说明书一个或多个实施例提供的另一种基于手掌的支付处理设备的结构示意图。
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的一部分实施例，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做出创造性劳动前提下所获得的所有其他实施例，都应当属于本文件的保护范围。
参照图1，本说明书一个或多个实施例提供的基于手掌的支付处理方法实施环境的示意图。
本说明书一个或多个实施例提供的基于手掌的支付处理方法，可适用于自助订单支付这一实施环境，该实施环境至少包括手掌核身平台的核身服务器101，或者，至少包括支付平台的支付服务器102或者商家服务器。
此外，该实施环境也可包括用户终端103，用户终端103可配置手掌核身的客户端，该客户端的具体形式可以是应用程序、应用程序内的子程序、应用程序内的服务模块或者网页程序。用户终端103通过手掌核身的客户端配合核身服务器101进行基于手掌的支付处理。
除此之外，该实施环境还可包括支付机具104，支付机具104可配置支付核身的客户端，该客户端可与用户终端103配置的手掌核身的客户端为同一个客户端，也可为不同的客户端，支付机具104配置的客户端的具体形式可以是应用程序、应用程序内的子程序、应用程序内的服务模块或者网页程序。
其中，核身服务器101可以是一台服务器，或者由若干台服务器组成的服务器集群，或者是云计算平台中的一个或者多个云服务器，用于进行基于手掌的支付处理，结合实际支付处理场景来看，可根据时间周期内提交的支付核身请求的请求数量的量级来确定服务器的部署数目和部署方式，比如在请求数量较少的情况下，可部署一台或者多台服务器；再比如，在请求数量达到一定量级的情况下，部署由若干台服务器组成的服务器集群。
支付服务器102也可以是一台服务器，或者由若干台服务器组成的服务器集群，或者是云计算平台中的一个或者多个云服务器，用于进行订单支付处理。
用户终端103可以是手机、个人电脑、平板电脑、电子书阅读器、基于VR(Virtual Reality，虚拟现实技术)进行信息交互的设备、车载终端、IoT设备、穿戴式智能设备、膝上型便携计算机和台式计算机等等，用户终端103可以安装有应用程序或者浏览器，通过应用程序或者浏览器提交支付核身请求，也可通过应用程序内的子程序提交支付核身请求。
支付机具104可以是智能终端、手机、个人电脑、平板电脑、电子书阅读器、基于VR(Virtual Reality，虚拟现实技术)进行信息交互的设备、IoT设备、穿戴式智能设备、膝上型便携计算机和台式计算机等等。
该实施环境中，在核身服务器101获取到用户通过手掌支付渠道进行自助订单支付的支付核身请求之后，核身服务器101可将用户在支付机具进行支付核身的核身权限转移至用户终端103，并生成图像采集指令向用户终端103下发，需要说明的是，此处的支付核身请求可在检测到基于商家配置的支付机具104执行支付核身动作后生成；在此基础上，用户终端103通过图像采集指令进入图像采集页面采集手掌图像并发送核身服务器101，核身服务器101根据手掌图像的手掌类型在用户的基准手掌图像中确定的目标手掌图像与目标手掌图像对用户进行支付核身，以在支付核身成功后进行订单支付处理，此处可由支付服务器102进行订单支付处理。
本说明书提供的一种基于手掌的支付处理方法的一个或者多个实施例如下：本实施例提供的基于手掌的支付处理方法，基于用户通过手掌支付渠道进行自助订单支付的支付核身请求，将用户在支付机具进行支付核身的核身权限向用户终端转移；支付核身请求在检测到基于商家配置的支付机具执行支付核身动作后生成，以此提升支付核身的多样性和灵活性，根据用户终端调用后置摄像头采集的手掌图像的手掌类型，在用户的基准手掌图像中确定目标手掌图像，并借助手掌图像和目标手掌图像对用户进行支付核身，以在支付核身成功后进行订单支付处理，以此，通过手掌类型的确定提升支付核身的精确度，进而提升支付核身的成功率，同时通过核身权限的转移提升支付核身的便捷性，降低支付拥挤情况的发生概率。
参照图2，本实施例提供的基于手掌的支付处理方法，具体包括步骤S202至步骤S208。
步骤S202，获取用户通过手掌支付渠道进行自助订单支付的支付核身请求。
本实施例所述手掌支付渠道，包括通过采集手掌图像进行订单支付或者支付核身的渠道；所述自助订单支付包括用户自助进行订单支付，无需借助收银人员等外部人员的帮助。所述支付核身请求包括支付核验请求，即对用户的自助订单支付进行身份核验。本实施例可应用于服务器，服务器包括用于进行手掌核身的核身服务器。
实际应用中，可在商家终端生成用户的待支付订单，也可在商家配置的支付机具生成用户的待支付订单，在对待支付订单进行支付的过程中，可对用户进行支付核身，即对用户进行支付过程中的身份核验；考虑到大部分用户对于刷脸支付的排斥情绪，可引入手掌支付渠道或者手掌支付方式，具体为通过采集手掌图像进行订单支付或者支付核身的渠道，提升支付核身的灵活性。
可选的，所述支付核身请求在检测到基于商家配置的支付机具执行支付核身动作后生成；可选的，所述支付核身动作，包括：通过所述后置摄像头扫描所述支付机具的显示组件显示的支付核身标识的扫描动作，或者，对所述显示组件显示的支付核身控件的触发动作。
其中，所述商家的规模可以大于预设规模阈值，也可以小于或者等于预设规模阈值，此处不作具体限定，比如商家可以是大型商超等，也可以是小型商家门店，比如小型餐饮店，此外，所述商家包括自助服务商家，所述自助服务商家是指不存在商家人员，用户在自助商家的商家门店内自助进行商品挑选或者服务选取，并通过自助商家配置的支付机具进行自助订单支付或者通过用户终端进行自助订单支付。所述用户终端是指所述用户的终端设备。
所述商家配置的支付机具包括用于进行支付的机具，比如商超中的自助结算机；所述支付机具可配置有显示组件，比如显示屏；所述支付核身标识包括支付核身码，所述支付核身码的形式可以是二维码，也可以是条形码，此外，支付核身码的形式还可以是其他形式；商家配置的支付机具可展示用户的待支付订单，支付机具可具有刷脸支付或者输入支付密钥进行支付的功能，可选的，所述商家配置的支付机具不具有采集手掌图像的功能，即不能通过支付机具采集手掌图像进行支付核身。
所述支付核身动作，包括通过采集手掌图像进行支付核身的动作；此外，所述支付核身动作，包括核身转移动作，即所述支付核身动作，可以是将用户在支付机具进行支付核身的核身权限转移至用户终端的转移动作。
具体实施时，在检测到用户基于商家配置的支付机具执行支付核身动作后可生成用户通过手掌支付渠道进行自助订单支付的支付核身请求；实际应用中，一种情况下，用户可通过用户终端的后置摄像头或者前置摄像头扫描商家配置的支付机具的显示组件显示的支付核身码，用户终端通过扫描支付核身码提交支付核身请求；另一种情况下，用户可触发商家配置的支付机具的显示组件显示的支付核身控件，通过触发支付核身控件提交支付核身请求，此处的支付核身请求可由支付机具向服务器提交。
可选的，所述支付核身请求可通过用户终端提交，也可通过支付机具提交；可选的，所述支付核身请求，在用户终端通过后置摄像头扫描支付机具的显示组件显示的支付核身标识后由用户终端提交，或者在支付机具检测到显示组件显示的支付核身控件被触发后由支付机具提交。
在具体的执行过程中，用户可通过进入子程序调用后置摄像头扫描支付机具的显示组件显示的支付核身标识，在此情况下，由用户终端的核身子程序向服务器提交支付核身请求，用户终端的子程序与服务器进行交互；此外，用户还可触发支付机具的显示组件显示的支付核身控件调用支付核身接口从商家子程序跳转至核身子程序，通过核身小程序向服务器提交支付核身请求，在支付核身通过后从核身子程序跳转至商家子程序。
实际应用中，用户在支付机具上进行订单支付的过程中，可在支付机具的显示组件上显示支付核身标识，为了提升用户通过用户终端扫描支付核身标识的便捷性，提升用户的使用体验，在获取用户通过手掌支付渠道进行自助订单支付的支付核身请求执行之前，可根据用户终端调用传感器检 测到的用户的手掌操作数据，确定支付机具的支付核身标识的显示位置数据并向支付机具下发，以根据基于所述显示位置数据展示的支付核身标识提交所述支付核身请求，具体的，本实施例提供的一种可选实施方式中，在获取用户通过手掌支付渠道进行自助订单支付的支付核身请求执行之前，还执行如下操作：获取所述用户终端调用传感器检测获得的所述用户的手掌操作数据；基于所述手掌操作数据确定支付核身标识在所述支付机具的显示位置数据，并向所述支付机具下发以根据基于所述显示位置数据展示的支付核身标识提交所述支付核身请求。
相应的，用户终端可执行如下操作：调用传感器检测所述用户的手掌操作数据；将所述手掌操作数据向所述服务器上传，以基于所述手掌操作数据确定支付核身标识在所述支付机具的显示位置数据。
其中，所述传感器包括光线传感器；所述手掌操作数据，包括用户的手掌操作用户终端时对显示组件的光线遮挡数据。所述显示位置数据，包括支付核身标识在支付机具的显示组件上的显示位置的相关数据。
具体的，用户终端可调用光线传感器检测用户的手掌操作显示组件时对显示组件的光线遮挡数据，将光线遮挡数据向服务器上传，服务器获取用户终端调用光线传感器检测到的用户的光线遮挡数据，基于光线遮挡数据确定用户的操作手掌类型，所述操作手掌类型是指用户操作用户终端的手掌类型，即确定用户操作用户终端是左手掌类型还是右手掌类型，根据用户的操作手掌类型确定支付核身标识在支付机具的显示位置数据，并向支付机具下发以根据基于显示位置数据展示的支付核身标识提交支付核身请求。
上述基于光线遮挡数据确定用户的操作手掌类型，根据用户的操作手掌类型确定支付核身标识在支付机具的显示位置数据的过程，可通过基于光线遮挡数据确定用户的手掌在用户终端的显示组件的光线遮挡区域，基于光线遮挡区域确定用户的操作手掌类型，若操作手掌类型为预设手掌类型，将支付核身标识在支付机具的显示位置确定为第一显示位置，若操作手掌类型不为预设手掌类型，将支付核身标识在支付机具的显示位置确定为第二显示位置。若光线遮挡区域为用户终端的显示组件的左边区域，可确定用户的操作手掌类型为左手掌类型，若光线遮挡区域为用户终端的显示组件的右边区域，可确定用户的操作手掌类型为右手掌类型的方式实现。
其中，所述预设手掌类型可以是左手掌类型或者右手掌类型，若预设手掌类型为左手掌类型，且操作手掌类型为预设手掌类型，则将支付核身标识在支付机具的显示位置确定为支付机具的右边区域中的目标位置，在预设手掌类型为左手掌类型且操作手掌类型不为预设手掌类型的情况下，将支付核身标识在支付机具的显示位置确定为支付机具的左边区域中的目标位置；若预设手掌类型为右手掌类型，且操作手掌类型为预设手掌类型，将支付核身标识在支付机具的显示位置确定为支付机具的左边区域中的目标位置，在预设手掌类型为右手掌类型且操作手掌类型不为预设手掌类型的情况下，将支付核身标识在支付机具的显示位置确定为支付机具的右边区域中的目标位置。
需要补充的是，在获取用户通过手掌支付渠道进行自助订单支付的支付核身请求执行之前，也可获取用户在支付机具进行支付核身的核身失败提醒，基于核身失败提醒可向支付机具下发核身转移渠道或者进行核身权限转移的支付核身渠道的渠道标识；可选的，所述核身转移渠道的渠道标识，包括所述支付核身控件的控件标识和/或支付核身码。用户可基于支付机具的核身转移渠道执行支付核身动作并生成支付核身请求。
步骤S204，响应于所述支付核身请求，将所述用户在所述支付机具进行支付核身的核身权限转移至用户终端。
上述获取用户通过手掌支付渠道进行自助订单支付的支付核身请求，本步骤中，为了提升用户进行支付核身的灵活性和便捷性，在获取到支付核身请求之后，将用户在支付机具进行支付核身的核身权限转移至用户终端。本实施例所述核身权限，包括用户在支付机具进行订单支付的过程中进行身份核验的核验权限。
具体实施时，在对用户通过手掌进行支付核身之前，可采集用户的基准手掌图像，用于基于实时采集的手掌图像和基准手掌图像对用户进行支付核身；可选的，所述基准手掌图像，与所述用户的支付标识建立有绑定关系；所述核身权限，在所述绑定关系建立后向所述用户开通。其中，所述支付标识包括支付账号。
在具体的执行过程中，本实施例提供的一种可选实施方式中，在将用户在支付机具进行支付核身的核身权限转移至用户终端的过程中，为了及时采集用户的手掌图像，执行如下操作：将所述核身权限向所述用户终端进行转移，并在转移后生成图像采集指令向所述用户终端下发。
具体的，服务器获取到用户通过手掌支付渠道进行自助订单支付的支付核身请求后，将用户在支付机具进行支付核身的核身权限向用户终端进行转移，并在转移后生成图像采集指令向用户终端下发，用户终端获取服务器下发的图像采集指令，并基于图像采集指令进入图像采集页面，用户终端可获取通过图像采集页面调用后置摄像头或者前置摄像头采集的用户的手掌图像；其中，所述图像采集指令包括用于指示用户进行手掌图像采集的指令，所述图像采集页面包括进行手掌图像采集的页面。
实际应用中，特定用户存在手机操作障碍，比如老年用户对于手机的熟悉度不够，操作不熟练，针对于此，为了提升特定用户进行支付核验的便捷性，提升特定用户进行支付核验的成功率和通过率，可将用户终端采集手掌图像的手掌采集视频流同步至支付机具，即用户可在支付机具上查看用 户终端采集或者拍摄手掌图像的过程，减少特定用户对用户终端的操作次数，并通过支付机具提升特定用户的感知程度，本实施例提供的一种可选实施方式中，在响应于支付核身请求，将用户在支付机具进行支付核身的核身权限转移至用户终端执行之后，将用户终端发送的手掌采集视频流向支付机具下发，在此过程中具体执行如下操作：获取所述用户终端发送的手掌采集视频流；可选的，所述手掌采集视频流通过所述后置摄像头在所述用户终端的显示组件处于预设显示状态的情况下采集获得；将所述手掌采集视频流向所述支付机具下发，以通过所述支付机具在所述手掌采集视频流中确定所述手掌图像。
相应的，所述用户终端可执行如下操作：获取通过所述图像采集页面调用所述后置摄像头在显示组件处于预设显示状态的情况下采集的手掌采集视频流；将所述手掌采集视频流向所述服务器发送，以向所述支付机具下发进行所述手掌图像的确定。
其中，所述后置摄像头包括所述用户终端的后置摄像头；所述预设显示状态包括用户终端的显示屏的休眠状态或者黑屏状态。所述手掌采集视频流，是指对用户的手掌图像进行采集的过程中的采集视频流，比如用户的手掌在调整距离或者位置的过程中采集的视频流。可选的，所述手掌采集视频流，在获取到所述用户的授权指令后在所述用户终端的显示组件处于预设显示状态的情况下采集。
具体的，在用户终端获取到服务器下发的图像采集指令后，用户终端可在显示组件处于预设显示状态的情况下进入图像采集页面，获取通过图像采集页面调用后置摄像头或者前置摄像头在显示组件处于预设显示状态的情况下采集的手掌采集视频流，将手掌采集视频流向服务器发送，服务器获取用户终端发送的手掌采集视频流并将手掌采集视频流向支付机具下发，以通过支付机具在手掌采集视频流中确定手掌图像。
在上述服务器将所述手掌采集视频流向所述支付机具下发，以通过所述支付机具在所述手掌采集视频流中确定所述手掌图像执行之后，本实施例提供的一种可选实施方式中，执行如下操作：接收所述支付机具发送的对所述手掌采集视频流中所述手掌图像的确定指令；将所述确定指令向所述用户终端下发以向服务器上传所述手掌图像。
相应的，用户终端可执行如下操作：获取所述服务器下发的所述支付机具发送的对所述手掌采集视频流中所述手掌图像的确定指令；基于所述确定指令获取通过所述图像采集页面调用所述后置摄像头采集的所述手掌图像。
其中，所述确定指令可在检测到所述支付机具的显示组件的采集控件被触发后生成；所述确定指令包括对手掌采集视频流中所述手掌图像进行确定的指令。所述确定指令包括图像拍摄指令。
此外，在服务器将手掌采集视频流向支付机具下发，以通过支付机具在手掌采集视频流中确定手掌图像执行之后，为了进一步降低特定用户对用户终端或者支付机具的操作频率，提升特定用户的便捷性，服务器可接收用户终端通过定时采集任务采集的所述手掌采集视频流中预设数量的目标手掌采集图像，根据目标手掌采集图像的图像指标在目标手掌采集图像中筛选出手掌采集图像作为用户终端调用后置摄像头采集的手掌图像，即作为进行支付核身的手掌图像。
其中，所述定时采集任务包括在手掌采集视频流中定时采集或者拍摄手掌图像的任务，比如每隔3秒拍摄一张手掌图像。所述预设数量可以是1个，也可以是多个。
步骤S206，接收所述用户终端调用后置摄像头采集的手掌图像，并根据所述手掌图像的手掌类型在所述用户的基准手掌图像中确定目标手掌图像。
上述服务器将用户在支付机具进行支付核身的核身权限转移至用户终端，具体服务器可将所述核身权限向用户终端进行转移，并在转移后生成图像采集指令向用户终端下发，相应的，用户终端获取服务器下发的图像采集指令，并基于图像采集指令进入图像采集页面，获取通过图像采集页面调用后置摄像头采集的用户的手掌图像，将手掌图像向服务器发送，本步骤中，服务器接收用户终端调用后置摄像头采集的手掌图像，并借助手掌图像的手掌类型在用户的基准手掌图像中确定目标手掌图像。
本实施例所述手掌图像是指实时采集的用户的手掌的图像；所述手掌类型包括左手掌类型和右手掌类型；所述基准手掌图像包括作为支付核身的比对基准的手掌图像。
具体实施时，服务器在接收到用户终端调用后置摄像头采集的手掌图像后，可识别所述手掌图像的手掌类型，并根据该手掌类型在用户的基准手掌图像中选择与所述手掌类型一致的手掌图像作为所述目标手掌图像。
具体在识别手掌图像的手掌类型的过程中，可根据手掌图像中的手掌形状特征和/或手掌朝向特征确定手掌类型，在用户的基准手掌图像中选取与手掌类型一致的手掌图像作为目标手掌图像。
实际应用中，可提前获取用户的基准手掌图像，用于进行支付核身，提升支付核身的便捷性，本实施例提供的一种可选实施方式中，所述基准手掌图像，由第一手掌图像和第二手掌图像组成；在所述第一手掌图像的图像评估通过后采集所述第二手掌图像，在第二手掌图像的图像评估通过后将第一手掌图像和第二手掌图像作为基准手掌图像，具体所述基准手掌图像可通过如下方式获得：基于所述用户通过子程序提交的采集指令，获取所述用户输入的支付标识并基于所述支付标识对所述用户进行身份核验；在核验通过后调用所述后置摄像头采集所述用户的第一手掌图像，并在所述第一手掌图像的图像评估通过后采集所述用户的第二手掌图像；若所述第二手掌图像的图像评估通过，将所述第一手掌图像和所述第二手掌图像作为所述基准手掌图像；若第二手掌图像的图像评估 未通过，不作处理即可。
其中，所述第一手掌图像的图像评估，包括下述至少一项：图像清晰度评估、手掌完整度评估、图像曝光度评估；所述第二手掌图像的图像评估，包括下述至少一项：图像清晰度评估、手掌完整度评估、图像曝光度评估、手掌类型评估、手掌皮肤评估(手掌颜色评估)、与第一手掌图像的镜像相似度评估。
具体的，用户终端可通过子程序的注册页面提交采集指令或者注册指令，服务器获取到用户通过子程序的注册页面提交的采集指令或者注册指令，向用户终端下发标识输入页面数据，用户终端基于标识输入页面数据生成标识输入页面，并通过标识输入页面输入支付标识向服务器提交，服务器获取用户输入的支付标识并基于支付标识对用户进行身份核验，在核验通过后用户终端生成并展示采集演示页面，通过触发采集演示页面的开始指令，生成并展示第一采集页面，通过第一采集页面调用后置摄像头采集用户的第一手掌图像，可在用户终端进行第一手掌图像的图像评估，也可向服务器上传第一手掌图像，由服务器进行第一手掌图像的图像评估，在第一手掌图像的图像评估通过后用户终端生成并展示第二采集页面，通过第二采集页面调用后置摄像头采集用户的第二手掌图像，类似地，可在用户终端进行第二手掌图像的图像评估，也可向服务器上传第二手掌图像，由服务器进行第二手掌图像的图像评估，若第二手掌图像的图像评估通过，将第一手掌图像和第二手掌图像作为用户的基准手掌图像。
如图3所示的注册页面，用户可通过触发301控件提交采集指令或者注册指令，用户终端在获取到采集指令或者注册指令后，展示如图4所示的标识输入页面，通过401区域显示用户输入的支付密钥，在基于支付密钥对用户进行身份核验的核验通过后，用户终端生成如图5所示的采集演示页面，501区域向用户展示采集手掌采集的正确采集方式，用户终端检测到开始拍摄控件502被触发后，调用后置摄像头采集用户的第一手掌图像，在第一手掌图像的图像评估通过后，生成并展示如图6所示的手掌采集页面，用户触发开始拍摄控件601后，调用后置摄像头采集用户的第二手掌图像，在第二手掌图像的图像评估通过后用户终端生成并展示如图7所示的评估展示页面，用户触发完成控件701后，用户终端从图7所示的评估展示页面跳转至图8所示的注册结果页面，用户终端向服务器提交用户的基准手掌图像，服务器基于基准手掌图像可绑定支付标识，并向用户开通在支付机具进行支付核身的核身权限；刷掌支付代表用户的核身权限已开通，绑定用户的支付标识比如扣款账号。
本实施例提供的一种可选实施方式中，为了避免用户采集的第一手掌图像和第二手掌图像为同一手掌类型的图像，造成基准手掌图像的图像浪费，所述第二手掌图像的图像评估，包括：基于所述第二手掌图像中的手掌形状特征，识别所述第二手掌图像的手掌类型；若所述手掌类型与所述第一手掌图像的手掌类型不一致，确定所述第二手掌图像的图像评估通过；若所述手掌类型与所述第一手掌图像的手掌类型不一致，确定所述第二手掌图像的图像评估未通过。
其中，所述手掌形状特征，是指表征手掌的形状的特征数据；所述手掌类型包括左手掌类型和右手掌类型。
此外，为了进一步提升第二手掌图像的图像评估的有效性，提升基准手掌图像的有效性，避免采集的第一手掌图像和第二手掌图像为不同用户的手掌图像，确保第一手掌图像和第二手掌图像均为同一用户的手掌图像，可根据第一手掌图像和第二手掌图像的镜像相似度对第二手掌图像进行图像评估，本实施例提供的另一种可选实施方式中，所述第二手掌图像的图像评估，包括：基于所述第一手掌图像和所述第二手掌图像，计算手掌的镜像相似度；若所述镜像相似度大于相似度阈值，确定所述第二手掌图像的图像评估通过；若所述镜像相似度小于或者等于相似度阈值，确定第二手掌图像的图像评估未通过。
除此之外，所述第二手掌图像的图像评估，还可包括：根据第一手掌图像和第二手掌图像计算皮肤颜色匹配度，若皮肤颜色匹配度大于匹配度阈值，确定第二手掌图像的图像评估通过，若皮肤颜色匹配度小于或者等于匹配度阈值，确定第二手掌图像的图像评估未通过。
需要补充的是，上述用户终端在第二手掌图像的图像评估通过的情况下，可将第一手掌图像和第二手掌图像作为基准手掌图像向服务器上传，服务器可建立基准手掌图像与用户的支付标识的绑定关系，并在绑定关系建立后向用户开通在支付机具进行支付核身的核身权限，所述核身权限包括在支付机具通过手掌进行支付核身的核身权限。
步骤S208，基于所述手掌图像和所述目标手掌图像对所述用户进行支付核身，以在支付核身成功后进行订单支付处理。
上述服务器接收用户终端调用后置摄像头采集的手掌图像，并根据手掌图像的手掌类型在用户的基准手掌图像中确定目标手掌图像，本步骤中，服务器基于手掌图像和目标手掌图像对用户进行支付核身，以在支付核身成功后进行订单支付处理，以此提升订单支付的安全性。本实施例所述支付核身，包括在支付过程中进行的身份核验。
具体实施时，在基于手掌图像和目标手掌图像对用户进行支付核身的过程中，为了提升支付核身的精确性和有效性，可根据从手掌图像提取的第一关键特征和从目标手掌图像中提取的第二关键特征计算特征相似度，若特征相似度大于相似度阈值，确定支付核身成功；本实施例提供的一种可选实施方式中，在基于手掌图像和目标手掌图像对用户进行支付核身的过程中，执行如下操作：从所述手掌图像提取第一关键特征以及从所述目标手掌图像提取第二关键特征；基于所述第一关键特 征和所述第二关键特征，计算所述手掌图像和所述目标手掌图像的特征相似度；若所述特征相似度大于相似度阈值，确定支付核身成功，若所述特征相似度小于或者等于所述相似度阈值，确定支付核身失败。
可选的，所述第一关键特征，包括下述至少一项：掌纹特征、关键点特征、皮肤特征；所述第二关键特征，包括下述至少一项：掌纹特征、关键点特征、皮肤特征。其中，所述关键点特征包括手掌中的手指的关键点特征，比如手掌中的手指的根部关键点。本实施例中的皮肤特征包括手掌的皮肤颜色或者手掌颜色。
具体的，可从手掌图像提取第一掌纹特征、第一关键点特征和/或第一皮肤特征，以及从目标手掌图像中提取第二掌纹特征、第二关键点特征和/或第二皮肤特征；基于第一掌纹特征、第一关键点特征和/或第一皮肤特征与第二掌纹特征、第二关键点特征和/或第二皮肤特征，计算手掌图像和目标手掌图像的特征相似度，若特征相似度大于相似度阈值，确定支付核身成功，若特征相似度小于或者等于相似度阈值，确定支付核身失败。
在上述基于第一关键特征和第二关键特征，计算手掌图像和目标手掌图像的特征相似度执行之后，为了提升支付核身的有效性，在特征相似度小于或者等于相似度阈值的情况下，向特征相似度处于重试取值区间内的用户提供二次支付核身的机会，本实施例提供的一种可选实施方式中，在基于第一关键特征和第二关键特征，计算手掌图像和目标手掌图像的特征相似度执行之后，还执行如下操作：若所述特征相似度小于或者等于所述相似度阈值，判断所述特征相似度是否处于重试取值区间内；在处于所述重试取值区间内的情况下，接收所述用户终端采集的二次手掌图像，并基于所述二次手掌图像对所述用户进行二次支付核身。
其中，所述重试取值区间，包括进行二次手掌图像采集的特征相似度的取值区间，比如相似度阈值为90％，重试取值区间为60％-80％，在所述特征相似度小于或者等于相似度阈值的情况下，判断特征相似度是否处于60％-80％内，若特征相似度处于重试取值区间内，用户终端采集二次手掌图像向服务器发送，服务器接收用户终端调用后置摄像头或者前置摄像头采集的二次手掌图像，并基于二次手掌图像对用户进行二次支付核身，即根据二次手掌图像的手掌类型在基准手掌图像中确定目标图像，基于二次手掌图像和目标图像对用户进行支付核身，此处支付核身的过程与上述支付核身的过程类似，本实施例在此不再赘述。
在具体的执行过程中，服务器基于手掌图像和目标手掌图像对用户进行支付核身后，若支付核身成功，服务器生成核身成功提醒向支付服务器发送，支付服务器进行订单支付处理；本实施例提供的一种可选实施方式中，所述订单支付处理，包括：确定所述用户的支付标识关联的资金账户，并基于订单金额从所述资金账户进行扣款处理。
其中，所述支付标识包括支付账号，也包括用户在采集基准手掌图像的登录账号。
实际应用中，部分用户可能存在手掌皮肤疾病的情况或者其他突发情况，导致支付核身失败，甚至支付核身数次失败，针对于此，为了促使用户尽快通过支付核身，减少支付拥挤的情况的发生，可在所述支付核身失败的情况下，根据用户的关联用户的关联手掌图像确定用户的二次支付核身结果；本实施例提供的一种可选实施方式中，在基于手掌图像和目标手掌图像对用户进行支付核身执行之后，还执行如下操作：若支付核身失败，向所述用户终端下发核身失败提醒以展示关联核身入口；确定所述用户终端触发所述关联核身入口后选择的关联用户，并向所述关联用户发送关联核身申请；根据所述关联用户上传的关联手掌图像确定所述用户的二次支付核身结果。
其中，所述关联用户包括与所述用户具有关联关系的用户；所述关联关系包括亲属关系、朋友关系、同事关系等。
具体的，根据关联用户上传的关联手掌图像确定用户的二次支付核身结果的过程，可通过根据关联用户上传的关联手掌图像确定关联用户的基准图像，并根据关联手掌图像和基准图像对所述用户进行二次支付核身的方式实现；此处的二次支付核身的过程与上述支付核身的处理过程类似，本实施例在此不再赘述。
需要说明的是，本实施例中的用户终端的后置摄像头可用前置摄像头替换，用户终端的前置摄像头也可用后置摄像头替换。
综上所述，本实施例提供的一个或多个基于手掌的支付处理方法，根据用户通过手掌支付渠道进行自助订单支付的支付核身请求，将用户在支付机具进行支付核身的核身权限转移至用户终端，接收用户终端调用后置摄像头采集的手掌图像，并根据手掌图像的手掌类型在用户的基准手掌图像中确定目标手掌图像；从手掌图像提取第一关键特征以及从目标手掌图像提取第二关键特征，基于第一关键特征和第二关键特征，计算手掌图像和目标手掌图像的特征相似度，若特征相似度大于相似度阈值，确定支付核身成功，并向支付服务器发送核身成功提醒以进行订单支付处理，以此，通过手掌类型的确定提升支付核身的精确度，进而提升支付核身的成功率，同时通过核身权限的转移提升支付核身的便捷性，降低支付拥挤情况的发生概率。
下述以本实施例提供的一种基于手掌的支付处理方法在权限转移场景的应用为例，对本实施例提供的基于手掌的支付处理方法进行进一步说明，参见图9，应用于权限转移场景的基于手掌的支付处理方法，具体包括步骤S902至步骤S918。
步骤S902，获取用户通过手掌支付渠道进行自助订单支付的支付核身请求。
可选的，所述支付核身请求可通过用户终端提交，也可通过支付机具提交；可选的，所述支付 核身请求，在用户终端通过后置摄像头扫描支付机具的显示屏显示的支付核身码后由用户终端提交，或者在支付机具检测到显示组件显示的支付核身控件被触发后由支付机具提交。
步骤S904，响应于支付核身请求，将用户在支付机具进行支付核身的核身权限向用户终端进行转移，并在转移后生成图像采集指令向用户终端下发。
步骤S906，获取用户终端发送的调用后置摄像头在显示屏处于黑屏状态下采集的手掌采集视频流。
步骤S908，将手掌采集视频流向支付机具下发，以展示手掌采集视频流。
步骤S910，获取用户终端发送的通过定时采集任务采集的手掌采集视频流中的手掌图像。
步骤S912，根据手掌图像的手掌类型在用户的基准手掌图像中确定目标手掌图像。
步骤S914，从手掌图像提取第一关键特征以及从目标手掌图像提取第二关键特征。
可选的，第一关键特征包括第一掌纹特征、第一关键点特征和/或第一皮肤特征；第二关键特征包括第二掌纹特征、第二关键点特征和/或第二皮肤特征。
步骤S916，基于第一关键特征和第二关键特征，计算手掌图像和目标手掌图像的特征相似度。
具体的，可基于第一掌纹特征、第一关键点特征和/或第一皮肤特征与第二掌纹特征、第二关键点特征和/或第二皮肤特征，计算掌纹相似度、关键点相似度和/或皮肤颜色相似度。
步骤S918，若特征相似度大于相似度阈值，确定用户的支付核身成功，并向支付服务器发送核身成功提醒以进行订单支付处理。
具体的，若上述计算获得的为掌纹相似度、关键点相似度和皮肤颜色相似度中的任意一者，则该任意一者的相似度大于相似度阈值的情况下确定用户的支付核身成功；若计算获得的为掌纹相似度、关键点相似度和皮肤颜色相似度中的任意多者，则该任意多者的相似度均大于对应的相似度阈值的情况下确定用户的支付核身成功，若该任意多者中存在相似度小于相似度阈值的情况，则确定用户的支付核身失败。
需要补充的是，上述步骤S918可被替换为若特征相似度小于或者等于相似度阈值，确定用户的支付核身失败。
下述以本实施例提供的一种基于手掌的支付处理方法在手掌支付场景的应用为例，对本实施例提供的基于手掌的支付处理方法进行进一步说明，参见图10，应用于手掌支付场景的基于手掌的支付处理方法，具体包括如下步骤。
步骤S1006，获取用户终端提交的用户通过手掌支付渠道进行自助订单支付的支付核身请求。
步骤S1008，响应于支付核身请求，将用户在支付机具进行支付核身的核身权限向用户终端转移，并在转移后生成图像采集指令向用户终端下发。
步骤S1016，获取用户终端发送的手掌采集视频流，并将手掌采集视频流向支付机具下发。
步骤S1022，接收用户终端采集的手掌图像，并根据手掌图像的手掌类型在用户的基准手掌图像中确定目标手掌图像。
步骤S1024，基于手掌图像的第一关键特征和目标手掌图像的第二关键特征，对用户进行支付核身，以在支付核身成功后进行订单支付处理。
可选的，第一关键特征包括第一掌纹特征、第一关键点特征和/或第一皮肤特征；第二关键特征包括第二掌纹特征、第二关键点特征和/或第二皮肤特征。
本实施例提供的步骤S1006至步骤S1008、步骤S1016、以及步骤S1022至步骤S1024可由服务器执行，需要说明的是，服务器执行的步骤S1006至步骤S1008、步骤S1016、以及步骤S1022至步骤S1024这一过程，与下述实施例提供的可由用户终端执行的步骤S1002至步骤S1004、步骤S1010至步骤S1014以及步骤S1018至步骤S1020的过程相互配合，因此，阅读本实施例请参照下述步骤S1002至步骤S1004、步骤S1010至步骤S1014以及步骤S1018至步骤S1020的相关内容，对应的，阅读下述步骤S1002至步骤S1004、步骤S1010至步骤S1014以及步骤S1018至步骤S1020的过程，也请参照本实施例提供的步骤S1006至步骤S1008、步骤S1016、以及步骤S1022至步骤S1024的相关内容。
本说明书提供的另一种基于手掌的支付处理方法的一个或者多个实施例如下：
参照图11，本实施例提供的基于手掌的支付处理方法，具体包括步骤S1102至步骤S1106。
本实施例提供的基于手掌的支付处理方法，可应用于用户终端，上述实施例提供的基于手掌的支付处理方法，可应用于服务器，本实施例提供的可应用于用户终端的基于手掌的支付处理方法，在执行过程中与上述实施例提供的可应用于服务器的基于手掌的支付处理方法相互配合，阅读本实施例可参照上述实施例的相关内容，相应的，阅读上述实施例也可参照本实施例的相应内容。
步骤S1102，获取服务器下发的图像采集指令，并基于所述图像采集指令进入图像采集页面。
可选的，所述图像采集指令，在检测到所述用户通过手掌支付渠道进行自助订单支付的支付核身请求后下发；所述支付核身请求在基于商家配置的支付机具执行支付核身动作后生成。具体实施时，服务器获取用户通过手掌支付渠道进行自助订单支付的支付核身请求，响应于所述支付核身请求，将所述用户在所述支付机具进行支付核身的核身权限转移至用户终端，具体的，将所述核身权限向所述用户终端进行转移，并在转移后生成图像采集指令向所述用户终端下发。
所述手掌支付渠道，包括通过采集手掌图像进行订单支付或者支付核身的渠道；所述自助订单支付包括用户自助进行订单支付，无需借助收银人员等外部人员的帮助。所述支付核身请求包括支 付核验请求，即对用户的自助订单支付进行身份核验。本实施例可应用于用户终端。
实际应用中，可在商家终端生成用户的待支付订单，也可在商家配置的支付机具生成用户的待支付订单，在对待支付订单进行支付的过程中，可对用户进行支付核身，即对用户进行支付过程中的身份核验；考虑到大部分用户对于刷脸支付的排斥情绪，可引入手掌支付渠道或者手掌支付方式，具体为通过采集手掌图像进行订单支付或者支付核身的渠道，提升支付核身的灵活性。
可选的，所述支付核身请求在检测到基于商家配置的支付机具执行支付核身动作后生成；可选的，所述支付核身动作，包括：通过所述后置摄像头扫描所述支付机具的显示组件显示的支付核身标识的扫描动作，或者，对所述显示组件显示的支付核身控件的触发动作。
其中，所述商家的规模可以大于预设规模阈值，也可以小于或者等于预设规模阈值，此处不作具体限定，比如商家可以是大型商超等，也可以是小型商家门店，比如小型餐饮店，此外，所述商家包括自助服务商家，所述自助服务商家是指不存在商家人员，用户在自助商家的商家门店内自助进行商品挑选或者服务选取，并通过自助商家配置的支付机具进行自助订单支付或者通过用户终端进行自助订单支付。所述用户终端是指所述用户的终端设备。
所述商家配置的支付机具包括用于进行支付的机具，比如商超中的自助结算机；所述支付机具可配置有显示组件，比如显示屏；所述支付核身标识包括支付核身码，所述支付核身码的形式可以是二维码，也可以是条形码，此外，支付核身码的形式还可以是其他形式；商家配置的支付机具可展示用户的待支付订单，支付机具可具有刷脸支付或者输入支付密钥进行支付的功能，可选的，所述商家配置的支付机具不具有采集手掌图像的功能，即不能通过支付机具采集手掌图像进行支付核身。
所述支付核身动作，包括通过采集手掌图像进行支付核身的动作；此外，所述支付核身动作，包括核身转移动作，即所述支付核身动作，可以是将用户在支付机具进行支付核身的核身权限转移至用户终端的转移动作。
具体实施时，在检测到用户基于商家配置的支付机具执行支付核身动作后可生成用户通过手掌支付渠道进行自助订单支付的支付核身请求；实际应用中，一种情况下，用户可通过用户终端的后置摄像头或者前置摄像头扫描商家配置的支付机具的显示组件显示的支付核身码，用户终端通过扫描支付核身码向服务器提交支付核身请求；另一种情况下，用户可触发商家配置的支付机具的显示组件显示的支付核身控件，通过触发支付核身控件提交支付核身请求，此处的支付核身请求可由支付机具向服务器提交。
可选的，所述支付核身请求可通过用户终端提交，也可通过支付机具提交；可选的，所述支付核身请求，在用户终端通过后置摄像头扫描支付机具的显示组件显示的支付核身标识后由用户终端提交，或者在支付机具检测到显示组件显示的支付核身控件被触发后由支付机具提交。
在具体的执行过程中，用户可通过进入子程序调用后置摄像头扫描支付机具的显示组件显示的支付核身标识，在此情况下，由用户终端的核身子程序向服务器提交支付核身请求，用户终端的子程序与服务器进行交互；此外，用户还可触发支付机具的显示组件显示的支付核身控件调用支付核身接口从商家子程序跳转至核身子程序，通过核身小程序向服务器提交支付核身请求，在支付核身通过后从核身子程序跳转至商家子程序。
实际应用中，用户在支付机具上进行订单支付的过程中，可在支付机具的显示组件上显示支付核身标识，为了提升用户通过用户终端扫描支付核身标识的便捷性，提升用户的使用体验，服务器在获取用户通过手掌支付渠道进行自助订单支付的支付核身请求执行之前，可根据用户终端调用传感器检测到的用户的手掌操作数据，确定支付机具的支付核身标识的显示位置数据并向支付机具下发，以根据基于所述显示位置数据展示的支付核身标识提交所述支付核身请求，具体的，服务器在获取用户通过手掌支付渠道进行自助订单支付的支付核身请求执行之前，可执行如下操作：获取所述用户终端调用传感器检测获得的所述用户的手掌操作数据；基于所述手掌操作数据确定支付核身标识在所述支付机具的显示位置数据，并向所述支付机具下发以根据基于所述显示位置数据展示的支付核身标识提交所述支付核身请求。
相应的，本实施例提供的一种可选实施方式中，用户终端获取服务器下发的图像采集指令，并基于图像采集指令进入图像采集页面执行之前，还执行如下操作：调用传感器检测所述用户的手掌操作数据；将所述手掌操作数据向所述服务器上传，以基于所述手掌操作数据确定支付核身标识在所述支付机具的显示位置数据。
其中，所述传感器包括光线传感器；所述手掌操作数据，包括用户的手掌操作用户终端时对显示组件的光线遮挡数据。所述显示位置数据，包括支付核身标识在支付机具的显示组件上的显示位置的相关数据。
具体的，用户终端可调用光线传感器检测用户的手掌操作显示组件时对显示组件的光线遮挡数据，将光线遮挡数据向服务器上传，服务器获取用户终端调用光线传感器检测到的用户的光线遮挡数据，基于光线遮挡数据确定用户的操作手掌类型，所述操作手掌类型是指用户操作用户终端的手掌类型，即确定用户操作用户终端是左手掌类型还是右手掌类型，根据用户的操作手掌类型确定支付核身标识在支付机具的显示位置数据，并向支付机具下发以根据基于显示位置数据展示的支付核身标识提交支付核身请求。
上述基于光线遮挡数据确定用户的操作手掌类型，根据用户的操作手掌类型确定支付核身标识 在支付机具的显示位置数据的过程，服务器可通过基于光线遮挡数据确定用户的手掌在用户终端的显示组件的光线遮挡区域，基于光线遮挡区域确定用户的操作手掌类型，若操作手掌类型为预设手掌类型，将支付核身标识在支付机具的显示位置确定为第一显示位置，若操作手掌类型不为预设手掌类型，将支付核身标识在支付机具的显示位置确定为第二显示位置。若光线遮挡区域为用户终端的显示组件的左边区域，可确定用户的操作手掌类型为左手掌类型，若光线遮挡区域为用户终端的显示组件的右边区域，可确定用户的操作手掌类型为右手掌类型的方式实现。
其中，所述预设手掌类型可以是左手掌类型或者右手掌类型，若预设手掌类型为左手掌类型，且操作手掌类型为预设手掌类型，则将支付核身标识在支付机具的显示位置确定为支付机具的右边区域中的目标位置，在预设手掌类型为左手掌类型且操作手掌类型不为预设手掌类型的情况下，将支付核身标识在支付机具的显示位置确定为支付机具的左边区域中的目标位置；若预设手掌类型为右手掌类型，且操作手掌类型为预设手掌类型，将支付核身标识在支付机具的显示位置确定为支付机具的左边区域中的目标位置，在预设手掌类型为右手掌类型且操作手掌类型不为预设手掌类型的情况下，将支付核身标识在支付机具的显示位置确定为支付机具的右边区域中的目标位置。
需要补充的是，服务器在获取用户通过手掌支付渠道进行自助订单支付的支付核身请求执行之前，也可获取用户在支付机具进行支付核身的核身失败提醒，基于核身失败提醒可向支付机具下发核身转移渠道或者进行核身权限转移的支付核身渠道的渠道标识；可选的，所述核身转移渠道的渠道标识，包括所述支付核身控件的控件标识和/或支付核身码。用户可基于支付机具的核身转移渠道执行支付核身动作并生成支付核身请求。
上述服务器获取用户通过手掌支付渠道进行自助订单支付的支付核身请求，在此之后，为了提升用户进行支付核身的灵活性和便捷性，服务器在获取到支付核身请求之后，将用户在支付机具进行支付核身的核身权限转移至用户终端。所述核身权限，包括用户在支付机具进行订单支付的过程中进行身份核验的核验权限。
具体实施时，服务器在对用户通过手掌进行支付核身之前，可通过用户终端采集用户的基准手掌图像，用于基于实时采集的手掌图像和基准手掌图像对用户进行支付核身；可选的，所述基准手掌图像，与所述用户的支付标识建立有绑定关系；所述核身权限，在所述绑定关系建立后向所述用户开通。其中，所述支付标识包括支付账号。
在具体的执行过程中，在将用户在支付机具进行支付核身的核身权限转移至用户终端的过程中，为了及时采集用户的手掌图像，服务器可执行如下操作：将所述核身权限向所述用户终端进行转移，并在转移后生成图像采集指令向所述用户终端下发。
具体的，服务器获取到用户通过手掌支付渠道进行自助订单支付的支付核身请求后，将用户在支付机具进行支付核身的核身权限向用户终端进行转移，并在转移后生成图像采集指令向用户终端下发，用户终端获取服务器下发的图像采集指令，并基于图像采集指令进入图像采集页面，用户终端可获取通过图像采集页面调用后置摄像头或者前置摄像头采集的用户的手掌图像；其中，所述图像采集指令包括用于指示用户进行手掌图像采集的指令，所述图像采集页面包括进行手掌图像采集的页面。
实际应用中，特定用户存在手机操作障碍，比如老年用户对于手机的熟悉度不够，操作不熟练，针对于此，为了提升特定用户进行支付核验的便捷性，提升特定用户进行支付核验的成功率和通过率，服务器可将用户终端采集手掌图像的手掌采集视频流同步至支付机具，即用户可在支付机具上查看用户终端采集或者拍摄手掌图像的过程，减少特定用户对用户终端的操作次数，并通过支付机具提升特定用户的感知程度，具体的，服务器在响应于支付核身请求，将用户在支付机具进行支付核身的核身权限转移至用户终端执行之后，将用户终端发送的手掌采集视频流向支付机具下发，在此过程中具体可执行如下操作：获取所述用户终端发送的手掌采集视频流；可选的，所述手掌采集视频流通过所述后置摄像头在所述用户终端的显示组件处于预设显示状态的情况下采集获得；将所述手掌采集视频流向所述支付机具下发，以通过所述支付机具在所述手掌采集视频流中确定所述手掌图像。
相应的，本实施例提供的一种可选实施方式中，在获取服务器下发的图像采集指令，并基于所述图像采集指令进入图像采集页面执行之后，用户终端执行如下操作：获取通过所述图像采集页面调用所述后置摄像头在显示组件处于预设显示状态的情况下采集的手掌采集视频流；将所述手掌采集视频流向所述服务器发送，以向所述支付机具下发进行所述手掌图像的确定。
其中，所述后置摄像头包括所述用户终端的后置摄像头；所述预设显示状态包括用户终端的显示屏的休眠状态或者黑屏状态。所述手掌采集视频流，是指对用户的手掌图像进行采集的过程中的采集视频流，比如用户的手掌在调整距离或者位置的过程中采集的视频流。可选的，所述手掌采集视频流，在获取到所述用户的授权指令后在所述用户终端的显示组件处于预设显示状态的情况下采集。
具体的，在用户终端获取到服务器下发的图像采集指令后，用户终端可在显示组件处于预设显示状态的情况下进入图像采集页面，获取通过图像采集页面调用后置摄像头或者前置摄像头在显示组件处于预设显示状态的情况下采集的手掌采集视频流，将手掌采集视频流向服务器发送，服务器获取用户终端发送的手掌采集视频流并将手掌采集视频流向支付机具下发，以通过支付机具在手掌采集视频流中确定手掌图像。
在上述服务器将所述手掌采集视频流向所述支付机具下发，以通过所述支付机具在所述手掌采集视频流中确定所述手掌图像执行之后，服务器还可执行如下操作：接收所述支付机具发送的对所述手掌采集视频流中所述手掌图像的确定指令；将所述确定指令向所述用户终端下发以向服务器上传所述手掌图像。
相应的，本实施例提供的一种可选实施方式中，在获取服务器下发的图像采集指令，并基于所述图像采集指令进入图像采集页面执行之后，还执行如下操作：获取所述服务器下发的所述支付机具发送的对所述手掌采集视频流中所述手掌图像的确定指令。
其中，所述确定指令可在检测到所述支付机具的显示组件的采集控件被触发后生成；所述确定指令包括对手掌采集视频流中所述手掌图像进行确定的指令。所述确定指令包括图像拍摄指令。
此外，在服务器将手掌采集视频流向支付机具下发，以通过支付机具在手掌采集视频流中确定手掌图像执行之后，为了进一步降低特定用户对用户终端或者支付机具的操作频率，提升特定用户的便捷性，服务器可接收用户终端通过定时采集任务采集的所述手掌采集视频流中的预设数量的目标手掌采集图像作为用户终端调用后置摄像头采集的手掌图像，即作为进行支付核身的手掌图像。
其中，所述定时采集任务包括在手掌采集视频流中定时采集或者拍摄手掌图像的任务，比如每隔3秒拍摄一张手掌图像。所述预设数量可以是1个，也可以是多个。
除此之外，用户终端在获取服务器下发的图像采集指令，并基于图像采集指令进入图像采集页面执行之后，用户终端还可与支付机具建立数据连接，比如通过蓝牙建立数据连接，用户终端可获取通过所述图像采集页面调用所述后置摄像头在显示组件处于预设显示状态的情况下采集的手掌采集视频流，直接将手掌采集视频流向支付机具同步，以在支付机具在手掌采集视频流中确定所述手掌图像；或者，用户终端将手掌采集视频流向支付机具同步后，用户终端可通过定时采集任务采集手掌采集视频中预设数量的目标手掌采集图像向服务器发送，服务器可接收用户终端通过定时采集任务采集的所述手掌采集视频流中预设数量的目标手掌采集图像，根据目标手掌采集图像的图像指标在目标手掌采集图像中筛选出手掌采集图像作为用户终端调用后置摄像头采集的手掌图像，即作为进行支付核身的手掌图像。
步骤S1104，获取通过所述图像采集页面调用后置摄像头采集的用户的手掌图像。
上述获取服务器下发的图像采集指令，并基于图像采集指令进入图像采集页面，本步骤中，获取通过所述图像采集页面调用后置摄像头采集的用户的手掌图像。
具体实施时，本实施例提供的一种可选实施方式中，在获取通过所述图像采集页面调用后置摄像头采集的用户的手掌图像的过程中，执行如下操作：基于所述确定指令获取通过所述图像采集页面调用所述后置摄像头采集的所述手掌图像。
步骤S1106，将所述手掌图像向所述服务器发送，以根据所述手掌图像和基于手掌类型在所述用户的基准手掌图像中确定的目标手掌图像对所述用户进行支付核身。
在用户终端将手掌图像向服务器发送之后，服务器接收用户终端调用后置摄像头采集的手掌图像，并根据所述手掌图像的手掌类型在所述用户的基准手掌图像中确定目标手掌图像，基于所述手掌图像和所述目标手掌图像对所述用户进行支付核身，以在支付核身成功后进行订单支付处理。可选的，所述支付核身成功后进行订单支付处理。
所述手掌图像是指实时采集的用户的手掌的图像；所述手掌类型包括左手掌类型和右手掌类型；所述基准手掌图像包括作为支付核身的比对基准的手掌图像。
具体实施时，服务器在接收到用户终端调用后置摄像头采集的手掌图像后，可识别所述手掌图像的手掌类型，并根据该手掌类型在用户的基准手掌图像中选择与所述手掌类型一致的手掌图像作为所述目标手掌图像。
具体在识别手掌图像的手掌类型的过程中，服务器可根据手掌图像中的手掌形状特征和/或手掌朝向特征确定手掌类型，在用户的基准手掌图像中选取与手掌类型一致的手掌图像作为目标手掌图像。
实际应用中，服务器可提前获取用户的基准手掌图像，用于进行支付核身，提升支付核身的便捷性，可选的，所述基准手掌图像，由第一手掌图像和第二手掌图像组成；在所述第一手掌图像的图像评估通过后采集所述第二手掌图像，在第二手掌图像的图像评估通过后将第一手掌图像和第二手掌图像作为基准手掌图像，具体所述基准手掌图像可通过如下方式获得：基于所述用户通过子程序提交的采集指令，获取所述用户输入的支付标识并基于所述支付标识对所述用户进行身份核验；在核验通过后调用所述后置摄像头采集所述用户的第一手掌图像，并在所述第一手掌图像的图像评估通过后采集所述用户的第二手掌图像；若所述第二手掌图像的图像评估通过，将所述第一手掌图像和所述第二手掌图像作为所述基准手掌图像；若第二手掌图像的图像评估未通过，不作处理即可。
其中，所述第一手掌图像的图像评估，包括下述至少一项：图像清晰度评估、手掌完整度评估、图像曝光度评估；所述第二手掌图像的图像评估，包括下述至少一项：图像清晰度评估、手掌完整度评估、图像曝光度评估、手掌类型评估、手掌皮肤评估(手掌颜色评估)、与第一手掌图像的镜像相似度评估。
具体的，用户终端可通过子程序的注册页面提交采集指令或者注册指令，服务器获取到用户通过子程序的注册页面提交的采集指令或者注册指令，向用户终端下发标识输入页面数据，用户终端基于标识输入页面数据生成标识输入页面，并通过标识输入页面输入支付标识向服务器提交，服务 器获取用户输入的支付标识并基于支付标识对用户进行身份核验，在核验通过后用户终端生成并展示采集演示页面，通过触发采集演示页面的开始指令，生成并展示第一采集页面，通过第一采集页面调用后置摄像头采集用户的第一手掌图像，可在用户终端进行第一手掌图像的图像评估，也可向服务器上传第一手掌图像，由服务器进行第一手掌图像的图像评估，在第一手掌图像的图像评估通过后用户终端生成并展示第二采集页面，通过第二采集页面调用后置摄像头采集用户的第二手掌图像，类似地，可在用户终端进行第二手掌图像的图像评估，也可向服务器上传第二手掌图像，由服务器进行第二手掌图像的图像评估，若第二手掌图像的图像评估通过，将第一手掌图像和第二手掌图像作为用户的基准手掌图像。
如图3所示的注册页面，用户可通过触发301控件提交采集指令或者注册指令，用户终端在获取到采集指令或者注册指令后，展示如图4所示的标识输入页面，通过401区域显示用户输入的支付密钥，在基于支付密钥对用户进行身份核验的核验通过后，用户终端生成如图5所示的采集演示页面，501区域向用户展示采集手掌采集的正确采集方式，用户终端检测到开始拍摄控件502被触发后，调用后置摄像头采集用户的第一手掌图像，在第一手掌图像的图像评估通过后，生成并展示如图6所示的手掌采集页面，用户触发开始拍摄控件601后，调用后置摄像头采集用户的第二手掌图像，在第二手掌图像的图像评估通过后用户终端生成并展示如图7所示的评估展示页面，用户触发完成控件701后，用户终端从图7所示的评估展示页面跳转至图8所示的注册结果页面，用户终端向服务器提交用户的基准手掌图像，服务器基于基准手掌图像可绑定支付标识，并向用户开通在支付机具进行支付核身的核身权限；刷掌支付代表用户的核身权限已开通，绑定用户的支付标识比如扣款账号。
为了避免用户采集的第一手掌图像和第二手掌图像为同一手掌类型的图像，造成基准手掌图像的图像浪费，所述第二手掌图像的图像评估，可采用如下方式实现：基于所述第二手掌图像中的手掌形状特征，识别所述第二手掌图像的手掌类型；若所述手掌类型与所述第一手掌图像的手掌类型不一致，确定所述第二手掌图像的图像评估通过；
若所述手掌类型与所述第一手掌图像的手掌类型不一致，确定所述第二手掌图像的图像评估未通过。
其中，所述手掌形状特征，是指表征手掌的形状的特征数据；所述手掌类型包括左手掌类型和右手掌类型。
此外，为了进一步提升第二手掌图像的图像评估的有效性，提升基准手掌图像的有效性，避免采集的第一手掌图像和第二手掌图像为不同用户的手掌图像，确保第一手掌图像和第二手掌图像均为同一用户的手掌图像，可根据第一手掌图像和第二手掌图像的镜像相似度对第二手掌图像进行图像评估，所述第二手掌图像的图像评估，也可采用如下方式实现：基于所述第一手掌图像和所述第二手掌图像，计算手掌的镜像相似度；若所述镜像相似度大于相似度阈值，确定所述第二手掌图像的图像评估通过；若所述镜像相似度小于或者等于相似度阈值，确定第二手掌图像的图像评估未通过。
除此之外，所述第二手掌图像的图像评估，还可采用如下方式实现：根据第一手掌图像和第二手掌图像计算皮肤颜色匹配度，若皮肤颜色匹配度大于匹配度阈值，确定第二手掌图像的图像评估通过，若皮肤颜色匹配度小于或者等于匹配度阈值，确定第二手掌图像的图像评估未通过。
需要补充的是，上述用户终端在第二手掌图像的图像评估通过的情况下，可将第一手掌图像和第二手掌图像作为基准手掌图像向服务器上传，服务器可建立基准手掌图像与用户的支付标识的绑定关系，并在绑定关系建立后向用户开通在支付机具进行支付核身的核身权限，所述核身权限包括在支付机具通过手掌进行支付核身的核身权限。
上述服务器接收用户终端调用后置摄像头采集的手掌图像，并根据手掌图像的手掌类型在用户的基准手掌图像中确定目标手掌图像，在此之后，服务器基于手掌图像和目标手掌图像对用户进行支付核身，以在支付核身成功后进行订单支付处理，以此提升订单支付的安全性。本实施例所述支付核身，包括在支付过程中进行的身份核验。
具体实施时，在基于手掌图像和目标手掌图像对用户进行支付核身的过程中，为了提升支付核身的精确性和有效性，服务器可根据从手掌图像提取的第一关键特征和从目标手掌图像中提取的第二关键特征计算特征相似度，若特征相似度大于相似度阈值，确定支付核身成功；具体的，在基于手掌图像和目标手掌图像对用户进行支付核身的过程中，服务器可执行如下操作：从所述手掌图像提取第一关键特征以及从所述目标手掌图像提取第二关键特征；基于所述第一关键特征和所述第二关键特征，计算所述手掌图像和所述目标手掌图像的特征相似度；若所述特征相似度大于相似度阈值，确定支付核身成功，若所述特征相似度小于或者等于所述相似度阈值，确定支付核身失败。
可选的，所述第一关键特征，包括下述至少一项：掌纹特征、关键点特征、皮肤特征；所述第二关键特征，包括下述至少一项：掌纹特征、关键点特征、皮肤特征。其中，所述关键点特征包括手掌中的手指的关键点特征，比如手掌中的手指的根部关键点。
具体的，服务器可从手掌图像提取第一掌纹特征、第一关键点特征和/或第一皮肤特征，以及从目标手掌图像中提取第二掌纹特征、第二关键点特征和/或第二皮肤特征；基于第一掌纹特征、第一关键点特征和/或第一皮肤特征与第二掌纹特征、第二关键点特征和/或第二皮肤特征，计算手掌图像和目标手掌图像的特征相似度，若特征相似度大于相似度阈值，确定支付核身成功，若特征相似 度小于或者等于相似度阈值，确定支付核身失败。
在上述基于第一关键特征和第二关键特征，计算手掌图像和目标手掌图像的特征相似度执行之后，为了提升支付核身的有效性，在特征相似度小于或者等于相似度阈值的情况下，向特征相似度处于重试取值区间内的用户提供二次支付核身的机会，具体的，在基于第一关键特征和第二关键特征，计算手掌图像和目标手掌图像的特征相似度执行之后，服务器还可执行如下操作：若所述特征相似度小于或者等于所述相似度阈值，判断所述特征相似度是否处于重试取值区间内；在处于所述重试取值区间内的情况下，接收所述用户终端采集的二次手掌图像，并基于所述二次手掌图像对所述用户进行二次支付核身。
其中，所述重试取值区间，包括进行二次手掌图像采集的特征相似度的取值区间，比如相似度阈值为90％，重试取值区间为60％-80％，在所述特征相似度小于或者等于相似度阈值的情况下，判断特征相似度是否处于60％-80％内，若特征相似度处于重试取值区间内，用户终端采集二次手掌图像向服务器发送，服务器接收用户终端调用后置摄像头或者前置摄像头采集的二次手掌图像，并基于二次手掌图像对用户进行二次支付核身，即根据二次手掌图像的手掌类型在基准手掌图像中确定目标图像，基于二次手掌图像和目标图像对用户进行支付核身，此处支付核身的过程与上述支付核身的过程类似，本实施例在此不再赘述。
在具体的执行过程中，服务器基于手掌图像和目标手掌图像对用户进行支付核身后，若支付核身成功，服务器生成核身成功提醒向支付服务器发送，支付服务器进行订单支付处理；可选的，所述订单支付处理，包括：确定所述用户的支付标识关联的资金账户，并基于订单金额从所述资金账户进行扣款处理。
其中，所述支付标识包括支付账号，也包括用户在采集基准手掌图像的登录账号。
实际应用中，部分用户可能存在手掌皮肤疾病的情况或者其他突发情况，导致支付核身失败，甚至支付核身数次失败，针对于此，为了促使用户尽快通过支付核身，减少支付拥挤的情况的发生，服务器可在所述支付核身失败的情况下，根据用户的关联用户的关联手掌图像确定用户的二次支付核身结果；具体的，服务器在基于手掌图像和目标手掌图像对用户进行支付核身执行之后，还可执行如下操作：若支付核身失败，向所述用户终端下发核身失败提醒以展示关联核身入口；确定所述用户终端触发所述关联核身入口后选择的关联用户，并向所述关联用户发送关联核身申请；根据所述关联用户上传的关联手掌图像确定所述用户的二次支付核身结果。
其中，所述关联用户包括与所述用户具有关联关系的用户；所述关联关系包括亲属关系、朋友关系、同事关系等。
具体的，根据关联用户上传的关联手掌图像确定用户的二次支付核身结果的过程，服务器可通过根据关联用户上传的关联手掌图像确定关联用户的基准图像，并根据关联手掌图像和基准图像对所述用户进行二次支付核身的方式实现；此处的二次支付核身的过程与上述支付核身的处理过程类似，本实施例在此不再赘述。
需要说明的是，本实施例中的用户终端的后置摄像头可用前置摄像头替换，用户终端的前置摄像头也可用后置摄像头替换。
下述以本实施例提供的一种基于手掌的支付处理方法在手掌支付场景的应用为例，对本实施例提供的基于手掌的支付处理方法进行进一步说明，参见图10，应用于手掌支付场景的基于手掌的支付处理方法，具体包括如下步骤。
步骤S1002，通过后置摄像头扫描支付机具的显示屏显示的支付核身码。
步骤S1004，基于对支付核身码的解码结果向服务器提交用户通过手掌支付渠道进行自助订单支付的支付核身请求。
步骤S1010，获取服务器下发的图像采集指令，并基于图像采集指令进入图像采集页面。
步骤S1012，获取通过图像采集页面调用后置摄像头在显示屏处于黑屏状态下采集的手掌采集视频流。
步骤S1014，将手掌采集视频流向服务器发送。
步骤S1018，基于定时采集任务通过图像采集页面采集手掌采集视频流中的预设数量的目标手掌采集图像作为手掌图像。
步骤S1020，将手掌图像向服务器发送。
本说明书提供的一种基于手掌的支付处理装置实施例如下：在上述的实施例中，提供了一种基于手掌的支付处理方法，与之相对应的，还提供了一种基于手掌的支付处理装置，下面结合附图进行说明。
参照图12，其示出了本实施例提供的一种基于手掌的支付处理装置实施例的示意图。
由于装置实施例对应于方法实施例，所以描述得比较简单，相关的部分请参见上述提供的方法实施例的对应说明即可。下述描述的装置实施例仅仅是示意性的。
本实施例提供一种基于手掌的支付处理装置，包括：请求获取模块1202，被配置为获取用户通过手掌支付渠道进行自助订单支付的支付核身请求；所述支付核身请求在检测到基于商家配置的支付机具执行支付核身动作后生成；权限转移模块1204，被配置为响应于所述支付核身请求，将所述用户在所述支付机具进行支付核身的核身权限转移至用户终端；图像确定模块1206，被配置为接收所述用户终端调用后置摄像头采集的手掌图像，并根据所述手掌图像的手掌类型在所述用户的基 准手掌图像中确定目标手掌图像；支付核身模块1208，被配置为基于所述手掌图像和所述目标手掌图像对所述用户进行支付核身，以在支付核身成功后进行订单支付处理。
本说明书提供的另一种基于手掌的支付处理装置实施例如下：在上述的实施例中，提供了另一种基于手掌的支付处理方法，与之相对应的，还提供了另一种基于手掌的支付处理装置，下面结合附图进行说明。
参照图13，其示出了本实施例提供的一种基于手掌的支付处理装置实施例的示意图。
由于装置实施例对应于方法实施例，所以描述得比较简单，相关的部分请参见上述提供的方法实施例的对应说明即可。下述描述的装置实施例仅仅是示意性的。
本实施例提供一种基于手掌的支付处理装置，包括：页面进入模块1302，被配置为获取服务器下发的图像采集指令，并基于所述图像采集指令进入图像采集页面；图像获取模块1304，被配置为获取通过所述图像采集页面调用后置摄像头采集的用户的手掌图像；图像发送模块1306，被配置为将所述手掌图像向所述服务器发送，以根据所述手掌图像和基于手掌类型在所述用户的基准手掌图像中确定的目标手掌图像对所述用户进行支付核身；所述支付核身成功后进行订单支付处理；其中，所述图像采集指令，在检测到所述用户通过手掌支付渠道进行自助订单支付的支付核身请求后下发；所述支付核身请求在基于商家配置的支付机具执行支付核身动作后生成。
本说明书提供的一种基于手掌的支付处理设备实施例如下：对应上述描述的一种基于手掌的支付处理方法，基于相同的技术构思，本说明书一个或多个实施例还提供一种基于手掌的支付处理设备，该基于手掌的支付处理设备用于执行上述提供的一种基于手掌的支付处理方法，图14为本说明书一个或多个实施例提供的一种基于手掌的支付处理设备的结构示意图。
本实施例提供的一种基于手掌的支付处理设备，包括：如图14所示，基于手掌的支付处理设备可因配置或性能不同而产生比较大的差异，可以包括一个或一个以上的处理器1401和存储器1402，存储器1402中可以存储有一个或一个以上存储应用程序或数据。其中，存储器1402可以是短暂存储或持久存储。存储在存储器1402的应用程序可以包括一个或一个以上模块(图示未示出)，每个模块可以包括基于手掌的支付处理设备中的一系列计算机可执行指令。更进一步地，处理器1401可以设置为与存储器1402通信，在基于手掌的支付处理设备上执行存储器1402中的一系列计算机可执行指令。基于手掌的支付处理设备还可以包括一个或一个以上电源1403，一个或一个以上有线或无线网络接口1404，一个或一个以上输入/输出接口1405，一个或一个以上键盘1406等。
在一个具体的实施例中，基于手掌的支付处理设备包括有存储器，以及一个或一个以上的程序，其中一个或者一个以上程序存储于存储器中，且一个或者一个以上程序可以包括一个或一个以上模块，且每个模块可以包括对基于手掌的支付处理设备中的一系列计算机可执行指令，且经配置以由一个或者一个以上处理器执行该一个或者一个以上程序包含用于进行以下计算机可执行指令：获取用户通过手掌支付渠道进行自助订单支付的支付核身请求；所述支付核身请求在检测到基于商家配置的支付机具执行支付核身动作后生成；响应于所述支付核身请求，将所述用户在所述支付机具进行支付核身的核身权限转移至用户终端；接收所述用户终端调用后置摄像头采集的手掌图像，并根据所述手掌图像的手掌类型在所述用户的基准手掌图像中确定目标手掌图像；基于所述手掌图像和所述目标手掌图像对所述用户进行支付核身，以在支付核身成功后进行订单支付处理。
本说明书提供的另一种基于手掌的支付处理设备实施例如下：对应上述描述的另一种基于手掌的支付处理方法，基于相同的技术构思，本说明书一个或多个实施例还提供另一种基于手掌的支付处理设备，该基于手掌的支付处理设备用于执行上述提供的另一种基于手掌的支付处理方法，图15为本说明书一个或多个实施例提供的一种基于手掌的支付处理设备的结构示意图。
本实施例提供的一种基于手掌的支付处理设备，包括：如图15所示，基于手掌的支付处理设备可因配置或性能不同而产生比较大的差异，可以包括一个或一个以上的处理器1501和存储器1502，存储器1502中可以存储有一个或一个以上存储应用程序或数据。其中，存储器1502可以是短暂存储或持久存储。存储在存储器1502的应用程序可以包括一个或一个以上模块(图示未示出)，每个模块可以包括基于手掌的支付处理设备中的一系列计算机可执行指令。更进一步地，处理器1501可以设置为与存储器1502通信，在基于手掌的支付处理设备上执行存储器1502中的一系列计算机可执行指令。基于手掌的支付处理设备还可以包括一个或一个以上电源1503，一个或一个以上有线或无线网络接口1504，一个或一个以上输入/输出接口1505，一个或一个以上键盘1506等。
在一个具体的实施例中，基于手掌的支付处理设备包括有存储器，以及一个或一个以上的程序，其中一个或者一个以上程序存储于存储器中，且一个或者一个以上程序可以包括一个或一个以上模块，且每个模块可以包括对基于手掌的支付处理设备中的一系列计算机可执行指令，且经配置以由一个或者一个以上处理器执行该一个或者一个以上程序包含用于进行以下计算机可执行指令：获取服务器下发的图像采集指令，并基于所述图像采集指令进入图像采集页面；获取通过所述图像采集页面调用后置摄像头采集的用户的手掌图像；将所述手掌图像向所述服务器发送，以根据所述手掌图像和基于手掌类型在所述用户的基准手掌图像中确定的目标手掌图像对所述用户进行支付核身；所述支付核身成功后进行订单支付处理；其中，所述图像采集指令，在检测到所述用户通过手掌支付渠道进行自助订单支付的支付核身请求后下发；所述支付核身请求在基于商家配置的支付机具执行支付核身动作后生成。
本说明书提供的一种存储介质实施例如下：对应上述描述的一种基于手掌的支付处理方法，基 于相同的技术构思，本说明书一个或多个实施例还提供一种存储介质。
本实施例提供的存储介质，用于存储计算机可执行指令，所述计算机可执行指令在被处理器执行时实现以下流程：获取用户通过手掌支付渠道进行自助订单支付的支付核身请求；所述支付核身请求在检测到基于商家配置的支付机具执行支付核身动作后生成；响应于所述支付核身请求，将所述用户在所述支付机具进行支付核身的核身权限转移至用户终端；接收所述用户终端调用后置摄像头采集的手掌图像，并根据所述手掌图像的手掌类型在所述用户的基准手掌图像中确定目标手掌图像；基于所述手掌图像和所述目标手掌图像对所述用户进行支付核身，以在支付核身成功后进行订单支付处理。
需要说明的是，本说明书中关于一种存储介质的实施例与本说明书中关于一种基于手掌的支付处理方法的实施例基于同一发明构思，因此该实施例的具体实施可以参见前述对应方法的实施，重复之处不再赘述。
本说明书提供的另一种存储介质实施例如下：对应上述描述的另一种基于手掌的支付处理方法，基于相同的技术构思，本说明书一个或多个实施例还提供另一种存储介质。
本实施例提供的存储介质，用于存储计算机可执行指令，所述计算机可执行指令在被处理器执行时实现以下流程：获取服务器下发的图像采集指令，并基于所述图像采集指令进入图像采集页面；获取通过所述图像采集页面调用后置摄像头采集的用户的手掌图像；将所述手掌图像向所述服务器发送，以根据所述手掌图像和基于手掌类型在所述用户的基准手掌图像中确定的目标手掌图像对所述用户进行支付核身；所述支付核身成功后进行订单支付处理；其中，所述图像采集指令，在检测到所述用户通过手掌支付渠道进行自助订单支付的支付核身请求后下发；所述支付核身请求在基于商家配置的支付机具执行支付核身动作后生成。
需要说明的是，本说明书中关于另一种存储介质的实施例与本说明书中关于另一种基于手掌的支付处理方法的实施例基于同一发明构思，因此该实施例的具体实施可以参见前述对应方法的实施，重复之处不再赘述。
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或者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，比如装置实施例、设备实施例和存储介质实施例，三者均相似于方法实施例，所以描述地比较简单，阅读装置实施例、设备实施例和存储介质实施例中的相关内容请参照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。
在20世纪30年代，对于一个技术的改进可以很明显地区分是硬件上的改进(例如，对二极管、晶体管、开关等电路结构的改进)还是软件上的改进(对于方法流程的改进)。然而，随着技术的发展，当今的很多方法流程的改进已经可以视为硬件电路结构的直接改进。设计人员几乎都通过将改进的方法流程编程到硬件电路中来得到相应的硬件电路结构。因此，不能说一个方法流程的改进就不能用硬件实体模块来实现。例如，可编程逻辑器件(Programmable Logic Device，PLD)(例如现场可编程门阵列(Field Programmable Gate Array，FPGA))就是这样一种集成电路，其逻辑功能由用户对器件编程来确定。由设计人员自行编程来把一个数字系统“集成”在一片PLD上，而不需要请芯片制造厂商来设计和制作专用的集成电路芯片。而且，如今，取代手工地制作集成电路芯片，这种编程也多半改用“逻辑编译器(logic compiler)”软件来实现，它与程序开发撰写时所用的软件编译器相类似，而要编译之前的原始代码也得用特定的编程语言来撰写，此称之为硬件描述语言(Hardware Description Language，HDL)，而HDL也并非仅有一种，而是有许多种，如ABEL(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language)等，目前最普遍使用的是VHDL(Very-High-Speed Integrated Circuit Hardware Description Language)与Verilog。本领域技术人员也应该清楚，只需要将方法流程用上述几种硬件描述语言稍作逻辑编程并编程到集成电路中，就可以很容易得到实现该逻辑方法流程的硬件电路。
控制器可以按任何适当的方式实现，例如，控制器可以采取例如微处理器或处理器以及存储可由该(微)处理器执行的计算机可读程序代码(例如软件或固件)的计算机可读介质、逻辑门、开关、专用集成电路(Application Specific Integrated Circuit，ASIC)、可编程逻辑控制器和嵌入微控制器的形式，控制器的例子包括但不限于以下微控制器：ARC 625D、Atmel AT91SAM、Microchip PIC18F26K20以及Silicone Labs C8051F320，存储器控制器还可以被实现为存储器的控制逻辑的一部分。本领域技术人员也知道，除了以纯计算机可读程序代码方式实现控制器以外，完全可以通过将方法步骤进行逻辑编程来使得控制器以逻辑门、开关、专用集成电路、可编程逻辑控制器和嵌入微控制器等的形式来实现相同功能。因此这种控制器可以被认为是一种硬件部件，而对其内包括的用于实现各种功能的装置也可以视为硬件部件内的结构。或者甚至，可以将用于实现各种功能的装置视为既可以是实现方法的软件模块又可以是硬件部件内的结构。
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。
为了描述的方便，描述以上装置时以功能分为各种单元分别描述。当然，在实施本说明书实施例时可以把各单元的功能在同一个或多个软件和/或硬件中实现。
本领域内的技术人员应明白，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。
本说明书是参照根据本说明书实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
在一个典型的配置中，计算设备包括一个或多个处理器(CPU)、输入/输出接口、网络接口和内存。
内存可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM)和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)。内存是计算机可读介质的示例。
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的一个或多个实施例，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。
以上所述为本文件的实施例，并不用于限制本文件。对于本领域技术人员来说，本文件可以有各种更改和变化。凡在本文件的精神和原理之内所作的任何修改、等同替换、改进等，均应包含在本文件的权利要求范围之内。

Claims (25)

  1. 一种基于手掌的支付处理方法，包括：
    获取用户通过手掌支付渠道进行自助订单支付的支付核身请求；所述支付核身请求在检测到基于商家配置的支付机具执行支付核身动作后生成；
    响应于所述支付核身请求，将所述用户在所述支付机具进行支付核身的核身权限转移至用户终端；
    接收所述用户终端调用后置摄像头采集的手掌图像，并根据所述手掌图像的手掌类型在所述用户的基准手掌图像中确定目标手掌图像；
    基于所述手掌图像和所述目标手掌图像对所述用户进行支付核身，以在支付核身成功后进行订单支付处理。
  2. 根据权利要求1所述的基于手掌的支付处理方法，其中，所述基准手掌图像，通过如下方式获得：
    基于所述用户通过子程序提交的采集指令，获取所述用户输入的支付标识以基于所述支付标识对所述用户进行身份核验；
    在核验通过后调用所述后置摄像头采集所述用户的第一手掌图像，并在所述第一手掌图像的图像评估通过后采集所述用户的第二手掌图像；
    若所述第二手掌图像的图像评估通过，将所述第一手掌图像和所述第二手掌图像作为所述基准手掌图像。
  3. 根据权利要求2所述的基于手掌的支付处理方法，其中，所述第二手掌图像的图像评估，包括：
    基于所述第二手掌图像中的手掌形状特征，识别所述第二手掌图像的手掌类型；
    若所述手掌类型与所述第一手掌图像的手掌类型不一致，确定所述第二手掌图像的图像评估通过。
  4. 根据权利要求1所述的基于手掌的支付处理方法，其中，所述支付核身动作，包括：
    通过所述后置摄像头扫描所述支付机具的显示组件显示的支付核身标识的扫描动作，或者，对所述显示组件显示的支付核身控件的触发动作。
  5. 根据权利要求1所述的基于手掌的支付处理方法，其中，所述基准手掌图像，与所述用户的支付标识建立有绑定关系；所述核身权限，在所述绑定关系建立后向所述用户开通。
  6. 根据权利要求1所述的基于手掌的支付处理方法，其中，基于所述手掌图像和所述目标手掌图像对所述用户进行支付核身，包括：
    从所述手掌图像提取第一关键特征以及从所述目标手掌图像提取第二关键特征；
    基于所述第一关键特征和所述第二关键特征，计算所述手掌图像和所述目标手掌图像的特征相似度；
    若所述特征相似度大于相似度阈值，确定支付核身成功。
  7. 根据权利要求6所述的基于手掌的支付处理方法，其中，基于所述第一关键特征和所述第二关键特征，计算所述手掌图像和所述目标手掌图像的特征相似度子步骤执行之后，还包括：
    若所述特征相似度小于或者等于所述相似度阈值，判断所述特征相似度是否处于重试取值区间内；
    在处于所述重试取值区间内的情况下，接收所述用户终端采集的二次手掌图像，并基于所述二次手掌图像对所述用户进行二次支付核身。
  8. 根据权利要求6所述的基于手掌的支付处理方法，其中，所述第一关键特征，包括下述至少一项：掌纹特征、关键点特征、皮肤特征。
  9. 根据权利要求1所述的基于手掌的支付处理方法，其中，所述将所述用户在所述支付机具进行支付核身的核身权限转移至用户终端，包括：
    将所述核身权限向所述用户终端进行转移，并在转移后生成图像采集指令向所述用户终端下发。
  10. 根据权利要求1所述的基于手掌的支付处理方法，其中，所述订单支付处理，包括：
    确定所述用户的支付标识关联的资金账户，并基于订单金额从所述资金账户进行扣款处理。
  11. 根据权利要求2所述的基于手掌的支付处理方法，其中，所述第二手掌图像的图像评估，包括：
    基于所述第一手掌图像和所述第二手掌图像，计算手掌的镜像相似度；
    若所述镜像相似度大于相似度阈值，确定所述第二手掌图像的图像评估通过。
  12. 根据权利要求1所述的基于手掌的支付处理方法，其中，所述获取用户通过手掌支付渠道进行自助订单支付的支付核身请求步骤执行之前，还包括：
    获取所述用户终端调用传感器检测获得的所述用户的手掌操作数据；
    基于所述手掌操作数据确定支付核身标识在所述支付机具的显示位置数据，并向所述支付机具下发以根据基于所述显示位置数据展示的支付核身标识提交所述支付核身请求。
  13. 根据权利要求1所述的基于手掌的支付处理方法，其中，响应于所述支付核身请求，将所述用户在所述支付机具进行支付核身的核身权限转移至用户终端步骤执行之后，且所述接收所述用户终端调用后置摄像头采集的手掌图像，并根据所述手掌图像的手掌类型在所述用户的基准手掌图 像中确定目标手掌图像步骤执行之前，还包括：
    获取所述用户终端发送的手掌采集视频流；所述手掌采集视频流，通过所述后置摄像头在所述用户终端的显示组件处于预设显示状态的情况下采集获得；
    将所述手掌采集视频流向所述支付机具下发，以通过所述支付机具在所述手掌采集视频流中确定所述手掌图像。
  14. 根据权利要求13所述的基于手掌的支付处理方法，其中，将所述手掌采集视频流向所述支付机具下发，以通过所述支付机具在所述手掌采集视频流中确定所述手掌图像步骤执行之后，还包括：
    接收所述支付机具发送的对所述手掌采集视频流中所述手掌图像的确定指令；
    将所述确定指令向所述用户终端下发以向服务器上传所述手掌图像。
  15. 根据权利要求1所述的基于手掌的支付处理方法，其中，基于所述手掌图像和所述目标手掌图像对所述用户进行支付核身操作执行之后，还包括：
    若支付核身失败，向所述用户终端下发核身失败提醒以展示关联核身入口；
    确定所述用户终端触发所述关联核身入口后选择的关联用户，并向所述关联用户发送关联核身申请；
    根据所述关联用户上传的关联手掌图像确定所述用户的二次支付核身结果。
  16. 一种基于手掌的支付处理方法，包括：
    获取服务器下发的图像采集指令，并基于所述图像采集指令进入图像采集页面；
    获取通过所述图像采集页面调用后置摄像头采集的用户的手掌图像；
    将所述手掌图像向所述服务器发送，以根据所述手掌图像和基于手掌类型在所述用户的基准手掌图像中确定的目标手掌图像对所述用户进行支付核身；所述支付核身成功后进行订单支付处理；
    其中，所述图像采集指令，在检测到所述用户通过手掌支付渠道进行自助订单支付的支付核身请求后下发；所述支付核身请求在基于商家配置的支付机具执行支付核身动作后生成。
  17. 根据权利要求16所述的基于手掌的支付处理方法，其中，获取所述服务器下发的图像采集指令，并基于所述图像采集指令进入图像采集页面步骤执行之前，还包括：
    调用传感器检测所述用户的手掌操作数据；
    将所述手掌操作数据向所述服务器上传，以基于所述手掌操作数据确定支付核身标识在所述支付机具的显示位置数据。
  18. 根据权利要求16所述的基于手掌的支付处理方法，其中，获取所述服务器下发的图像采集指令，并基于所述图像采集指令进入图像采集页面步骤执行之后，且所述获取通过所述图像采集页面调用后置摄像头采集的用户的手掌图像步骤执行之前，还包括：
    获取通过所述图像采集页面调用所述后置摄像头在显示组件处于预设显示状态的情况下采集的手掌采集视频流；
    将所述手掌采集视频流向所述服务器发送，以向所述支付机具下发进行所述手掌图像的确定。
  19. 根据权利要求18所述的基于手掌的支付处理方法，其中，将所述手掌采集视频流向所述服务器发送，以向所述支付机具下发进行所述手掌图像的确定步骤执行之后，还包括：
    获取所述服务器下发的所述支付机具发送的对所述手掌采集视频流中所述手掌图像的确定指令；
    相应的，所述获取通过所述图像采集页面调用后置摄像头采集的用户的手掌图像，包括：
    基于所述确定指令获取通过所述图像采集页面调用所述后置摄像头采集的所述手掌图像。
  20. 一种基于手掌的支付处理装置，包括：
    请求获取模块，被配置为获取用户通过手掌支付渠道进行自助订单支付的支付核身请求；所述支付核身请求在检测到基于商家配置的支付机具执行支付核身动作后生成；
    权限转移模块，被配置为响应于所述支付核身请求，将所述用户在所述支付机具进行支付核身的核身权限转移至用户终端；
    图像确定模块，被配置为接收所述用户终端调用后置摄像头采集的手掌图像，并根据所述手掌图像的手掌类型在所述用户的基准手掌图像中确定目标手掌图像；
    支付核身模块，被配置为基于所述手掌图像和所述目标手掌图像对所述用户进行支付核身，以在支付核身成功后进行订单支付处理。
  21. 一种基于手掌的支付处理装置，包括：
    页面进入模块，被配置为获取服务器下发的图像采集指令，并基于所述图像采集指令进入图像采集页面；
    图像获取模块，被配置为获取通过所述图像采集页面调用后置摄像头采集的用户的手掌图像；
    图像发送模块，被配置为将所述手掌图像向所述服务器发送，以根据所述手掌图像和基于手掌类型在所述用户的基准手掌图像中确定的目标手掌图像对所述用户进行支付核身；所述支付核身成功后进行订单支付处理；其中，所述图像采集指令，在检测到所述用户通过手掌支付渠道进行自助订单支付的支付核身请求后下发；所述支付核身请求在基于商家配置的支付机具执行支付核身动作后生成。
  22. 一种基于手掌的支付处理设备，包括：
    处理器；以及，被配置为存储计算机可执行指令的存储器，所述计算机可执行指令在被执行时 使所述处理器：
    获取用户通过手掌支付渠道进行自助订单支付的支付核身请求；所述支付核身请求在检测到基于商家配置的支付机具执行支付核身动作后生成；
    响应于所述支付核身请求，将所述用户在所述支付机具进行支付核身的核身权限转移至用户终端；
    接收所述用户终端调用后置摄像头采集的手掌图像，并根据所述手掌图像的手掌类型在所述用户的基准手掌图像中确定目标手掌图像；
    基于所述手掌图像和所述目标手掌图像对所述用户进行支付核身，以在支付核身成功后进行订单支付处理。
  23. 一种基于手掌的支付处理设备，包括：
    处理器；以及，被配置为存储计算机可执行指令的存储器，所述计算机可执行指令在被执行时使所述处理器：
    获取服务器下发的图像采集指令，并基于所述图像采集指令进入图像采集页面；
    获取通过所述图像采集页面调用后置摄像头采集的用户的手掌图像；
    将所述手掌图像向所述服务器发送，以根据所述手掌图像和基于手掌类型在所述用户的基准手掌图像中确定的目标手掌图像对所述用户进行支付核身；所述支付核身成功后进行订单支付处理；
    其中，所述图像采集指令，在检测到所述用户通过手掌支付渠道进行自助订单支付的支付核身请求后下发；所述支付核身请求在基于商家配置的支付机具执行支付核身动作后生成。
  24. 一种存储介质，用于存储计算机可执行指令，所述计算机可执行指令在被处理器执行时实现以下流程：
    获取用户通过手掌支付渠道进行自助订单支付的支付核身请求；所述支付核身请求在检测到基于商家配置的支付机具执行支付核身动作后生成；
    响应于所述支付核身请求，将所述用户在所述支付机具进行支付核身的核身权限转移至用户终端；
    接收所述用户终端调用后置摄像头采集的手掌图像，并根据所述手掌图像的手掌类型在所述用户的基准手掌图像中确定目标手掌图像；
    基于所述手掌图像和所述目标手掌图像对所述用户进行支付核身，以在支付核身成功后进行订单支付处理。
  25. 一种存储介质，用于存储计算机可执行指令，所述计算机可执行指令在被处理器执行时实现以下流程：
    获取服务器下发的图像采集指令，并基于所述图像采集指令进入图像采集页面；
    获取通过所述图像采集页面调用后置摄像头采集的用户的手掌图像；
    将所述手掌图像向所述服务器发送，以根据所述手掌图像和基于手掌类型在所述用户的基准手掌图像中确定的目标手掌图像对所述用户进行支付核身；所述支付核身成功后进行订单支付处理；
    其中，所述图像采集指令，在检测到所述用户通过手掌支付渠道进行自助订单支付的支付核身请求后下发；所述支付核身请求在基于商家配置的支付机具执行支付核身动作后生成。
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